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Forum: FIRE and Money Yesterday, 01:53 PM
Replies: 15
Views: 668
Posted By pb4uski
I'm aware of that... but was responding to his...

I'm aware of that... but was responding to his question of what would happen if a bunch of (retail) investors wanted to cash out.

Also, as I understand it, a fund is not required to do these...
Forum: FIRE and Money Yesterday, 01:47 PM
Replies: 76
Views: 1,799
Posted By pb4uski
60.7% as of last night, but declining with each...

60.7% as of last night, but declining with each passing minute today.
Forum: Stock Picking and Market Strategy Yesterday, 01:43 PM
Replies: 7
Views: 180
Posted By pb4uski
+1 with looking at CDs as well. For the first...

+1 with looking at CDs as well. For the first rung (one-year) online savings accounts are paying about the same as one-year corporates and have no credit risk.

One alternative to consider given...
Forum: FIRE and Money 08-31-2015, 07:19 PM
Replies: 15
Views: 668
Posted By pb4uski
But it is an ETF, not a fund so they have no...

But it is an ETF, not a fund so they have no obligation to provide liquidity for investors who want out and as a result would have no need to sell bonds... people who want out would need to find a...
Forum: FIRE and Money 08-31-2015, 04:36 PM
Replies: 9
Views: 1,115
Posted By pb4uski
Some people who study interest rates for a living...

Some people who study interest rates for a living seem to have a different view that I found interesting. ;D
...
Forum: FIRE and Money 08-31-2015, 04:26 PM
Replies: 15
Views: 668
Posted By pb4uski
If you hold individual bonds to maturity, then...

If you hold individual bonds to maturity, then decreases in the market value resulting from increase in interest rates don't really affect you... the change in value only affects you if you sell...
Forum: FIRE and Money 08-30-2015, 05:00 PM
Replies: 9
Views: 1,115
Posted By pb4uski
FWIW, I'm 40% fixed income.. it is just that I...

FWIW, I'm 40% fixed income.. it is just that I have looked to mitigate interest rate risk by using CDs (jumped on that 5 year 2% PenFed CD from a couple years ago) and target maturity bond funds...
Forum: Health and Early Retirement 08-30-2015, 08:33 AM
Replies: 13
Views: 663
Posted By pb4uski
Not sure what you mean by this. Also, medical...

Not sure what you mean by this. Also, medical loss ratios constrain what a health insurer can charge and take as profit.
Forum: FIRE and Money 08-29-2015, 02:44 PM
Replies: 94
Views: 4,211
Posted By pb4uski
And there is the rub... not realistic for most...

And there is the rub... not realistic for most people.
Forum: FIRE and Money 08-29-2015, 02:41 PM
Replies: 9
Views: 1,115
Posted By pb4uski
Nords, I'm not familiar with TSP... do they have...

Nords, I'm not familiar with TSP... do they have a fixed income fund similar to a stable value fund with no interest rate risk? If so, I would use that for the bond allocation until rates normalize...
Forum: Health and Early Retirement 08-29-2015, 09:43 AM
Replies: 13
Views: 663
Posted By pb4uski
BCBS Vermont's 2016 premium increases range from...

BCBS Vermont's 2016 premium increases range from 0.5% to 11.5% depending on plan, and 5.9% on average (from a proposed 8.6%).

Luckily, my plan is only increasing 0.5% in 2016.:dance:
Forum: FIRE and Money 08-29-2015, 06:40 AM
Replies: 67
Views: 2,393
Posted By pb4uski
Unlikely that we'll ever buy a SPIA. Once SS and...

Unlikely that we'll ever buy a SPIA. Once SS and my pension are online they will cover ~60-65% of our expenses so our portfolio only has to cover the gap at a conservatively projected 3.6% WR but...
Forum: FIRE and Money 08-29-2015, 06:25 AM
Replies: 13
Views: 729
Posted By pb4uski
It sounds like your are trying to talk yourself...

It sounds like your are trying to talk yourself into buying the land with a market timing rationalization.

Why not just buy the land and finance it with a conventional mortgage on the property or...
Forum: FIRE and Money 08-28-2015, 05:40 PM
Replies: 7
Views: 895
Posted By pb4uski
You probably don't need to get too scientific...

You probably don't need to get too scientific about it. Online savings, fully FDIC insured are paying 1% or a tad more or less. 2 and 3 year CDs are 1.25%-1.65% so on a $100k CD the difference is...
Forum: FIRE and Money 08-28-2015, 05:33 PM
Replies: 94
Views: 4,211
Posted By pb4uski
Well, it was an Executive Summay after all.......

Well, it was an Executive Summay after all.... what did you expect? :laugh:
Forum: FIRE and Money 08-28-2015, 05:27 PM
Replies: 94
Views: 4,211
Posted By pb4uski
Actually, cash generation is on the Statement of...

Actually, cash generation is on the Statement of Cash Flows.... you're showing your age Michael.... the Statement of Changes in Financial Position (aka Sources and Applications of Funds) was changed...
Forum: FIRE and Money 08-28-2015, 04:30 PM
Replies: 94
Views: 4,211
Posted By pb4uski
But with reference to principal they dumbed down...

But with reference to principal they dumbed down the Executive Summary and get more precise later in the paper (did you get past the first page? ;D ):
Forum: FIRE and Money 08-28-2015, 04:19 PM
Replies: 94
Views: 4,211
Posted By pb4uski
and how often they will fondly remember you!

and how often they will fondly remember you!
Forum: FIRE and Money 08-28-2015, 04:18 PM
Replies: 94
Views: 4,211
Posted By pb4uski
That is weird.... most 401k statements that I...

That is weird.... most 401k statements that I have seen (ours, DD, DS, friend whose taxes I do) are akin to a mutual fund statement and explicitly show dividends and their reinvestment. Has she ever...
Forum: FIRE and Money 08-28-2015, 04:15 PM
Replies: 17
Views: 864
Posted By pb4uski
+1 In my case I can buy catastrophic coverage...

+1 In my case I can buy catastrophic coverage for a reasonable cost compared to the subsidized cost of a silver plan so my benefit of subsidies is not so great.

I pay $5,100/year for catastrophic...
Forum: FIRE and Money 08-28-2015, 03:56 PM
Replies: 94
Views: 4,211
Posted By pb4uski
I'll probably be flamed for this but if you work...

I'll probably be flamed for this but if you work until your dividends are sufficient to cover your living expenses you are probably working longer than necessary.
Forum: FIRE and Money 08-28-2015, 03:54 PM
Replies: 94
Views: 4,211
Posted By pb4uski
I'm not sure I agree with the total return...

I'm not sure I agree with the total return definition... I would say it is more:

uses both [-]principal[/-] capital appreciation and income to cover expenses

My point is that one doesn't...
Forum: FIRE and Money 08-28-2015, 03:42 PM
Replies: 94
Views: 4,211
Posted By pb4uski
I suspect that if you dig a little deeper into...

I suspect that if you dig a little deeper into your 401k transactions that they are there because all three tickers pay dividends. I know that in my 401k you had to dig a little but you can find...
Forum: FIRE and Money 08-28-2015, 03:36 PM
Replies: 94
Views: 4,211
Posted By pb4uski
Yes, you can think of the NAV as essentially the...

Yes, you can think of the NAV as essentially the value of the underlying portfolio marked to market.... there are a few other things as well (transactions in process, accrued expenses, etc) but they...
Forum: FIRE and Money 08-28-2015, 03:30 PM
Replies: 94
Views: 4,211
Posted By pb4uski
The market cap indices certainly were in descent...

The market cap indices certainly were in descent last week and earlier this week. ;D
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