Search found 216 matches

by jhogue
Wed Jul 04, 2018 1:04 pm
Forum: Variable Portfolio Discussion
Topic: Dual Momentum GEM + HBPP a great combo, easy to test
Replies: 202
Views: 31313

Re: Dual Momentum GEM + HBPP a great combo, easy to test

Let the buyer beware! Marilyn Cohen is promoting the sale of municipal and corporate bonds in this book. These are not suitable for the HBPP. 1. Anyone tempted to buy munis because they are free of federal, state, and local taxes should read up on Puerto Rico and Chicago or ask pug chief for a tutor...
by jhogue
Sun Jul 01, 2018 7:40 pm
Forum: Variable Portfolio Discussion
Topic: Dual Momentum GEM + HBPP a great combo, easy to test
Replies: 202
Views: 31313

Re: Dual Momentum GEM + HBPP a great combo, easy to test

See "Treasury Bond Buying Tutorial," the first thread under "Bonds"

or:

viewtopic.php?f=3&t=1670
by jhogue
Sun Jul 01, 2018 2:52 pm
Forum: Other Discussions
Topic: Trump as tragicomedy
Replies: 620
Views: 52233

Re: Trump as tragicomedy

Kriegsspiel, 1. Can’t think of one great president whose historical stature rested upon his relationship with the Supreme Court. Can you? 2. What is surprisingly missing from banisharma’s own analysis is the disappearing role of Congress. I find it amazing that our most republican of branches could ...
by jhogue
Sun Jul 01, 2018 8:14 am
Forum: Other Discussions
Topic: Flying !st class with a free upgrade?
Replies: 20
Views: 2219

Re: Flying !st class with a free upgrade?

The cruise option is definitely pricey and scheduling is severely limited (1 trip/month), but I will absolutely keep it in mind for my next trip to Europe. I'd only use it for the outbound leg, which is where I try to get first class upgrades wherever possible. It is SO worth it: you get a seat tha...
by jhogue
Sat Jun 30, 2018 1:23 pm
Forum: Variable Portfolio Discussion
Topic: Dual Momentum GEM + HBPP a great combo, easy to test
Replies: 202
Views: 31313

Re: Dual Momentum GEM + HBPP a great combo, easy to test

Talk to someone else at Schwab. I buy both LTTs and STTs through my Fidelity brokerage account. Fidelity's minimum bond purchase is $1,000. The Bond Desk will talk to you over the phone if you have questions. I think Vanguard has roughly the same deal. Even though Treasury bonds are liquid and can b...
by jhogue
Tue Jun 26, 2018 5:42 pm
Forum: Bonds
Topic: The Bond Dream Room
Replies: 347
Views: 62125

Re: The Bond Dream Room

The only way 10y is going to 6% is if inflation is over 5%. Unlikely. And if it is, you will still want the PP. Aren’t rising home prices, medical expenses, and college tuition a form of inflation? Not if you are the US government and want to keep Social Security increases to a minimum. Actually, t...
by jhogue
Sat Jun 09, 2018 1:01 pm
Forum: Bonds
Topic: vanguard vs fidelity
Replies: 35
Views: 4098

Re: vanguard vs fidelity

Following the bouncing ball here... if tax deferral is not an issue right now then is it best to buy I bonds or 1 yr t-bills or what? Thx I think of Cash as the most customized and personalized part of the HBPP. Both I bonds and and 1 yr T-bills are US Treasury issued debt, so they are equally as s...
by jhogue
Fri Jun 08, 2018 1:54 pm
Forum: Bonds
Topic: vanguard vs fidelity
Replies: 35
Views: 4098

Re: vanguard vs fidelity

Hogue, you are to I-bonds what Mathjak is to Fidelity Insight. A relentless cheerleader. :P Nah, I actually think that I bonds are the worst form of Cash equivalent, except for all others. Besides, Medium Tex holds the tenured chair in I Bond Cheerleading. I still laugh to myself when I think about...
by jhogue
Fri Jun 08, 2018 11:41 am
Forum: Bonds
Topic: vanguard vs fidelity
Replies: 35
Views: 4098

Re: vanguard vs fidelity

Tax simplification: yet another reason to buy I bonds! With I bonds, you get 30 years of tax deferral outside the increasing complications of an IRA. And that means no RMDs after age 70 ½. Besides that, in a rising interest rate environment a ladder of I bonds is the best guaranteed protection again...
by jhogue
Fri Jun 08, 2018 8:55 am
Forum: Bonds
Topic: vanguard vs fidelity
Replies: 35
Views: 4098

Re: vanguard vs fidelity

So the T-bills I purchased are zero coupon, i.e., they were sold at a discount and mature at $1000 in 3 months. Does anyone know if you hold these over Dec 31/Jan1, is there imputed interest that tax has to be paid on, or how does that work tax-wise? The IRS taxes phantom income on zero coupon bond...
by jhogue
Thu Jun 07, 2018 11:05 pm
Forum: Bonds
Topic: vanguard vs fidelity
Replies: 35
Views: 4098

Re: vanguard vs fidelity

So the T-bills I purchased are zero coupon, i.e., they were sold at a discount and mature at $1000 in 3 months. Does anyone know if you hold these over Dec 31/Jan1, is there imputed interest that tax has to be paid on, or how does that work tax-wise? The IRS taxes phantom income on zero coupon bond...
by jhogue
Tue Jun 05, 2018 11:57 pm
Forum: Other Discussions
Topic: Annuities?
Replies: 139
Views: 9554

Re: Annuities?

Cortopassi: 1. Terrific charts! So much for the notion that gold has been "dragging down" the HBPP. 2. I can identify with your feelings about living through the crash of 2008. I "stayed the course" while my stock heavy portfolio fell by 41%. I did not sell during that equity depression, but it did ...