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  • March 18, 2008 at 3:20 PM #172538
    cr
    Participant

    I don’t think housepoor was insinuating this is a great investment just pointing out the massive price drop.

    The Question is, is that the bottom?

    March 18, 2008 at 4:24 PM #172917
    waterboy
    Participant

    asianautica- you would have to be in the highest tax brackets for Fed & State and get around 4.75% tax free from the muni’s to see an 8% taxable equivalent. I’m not sure what current muni rates are but I doubt they are in the high 4%

    For example: Say your total effective rate is 41.045%

    Select a tax-free yield on the left, and look across to find the taxable yield you would need to get the equivalent after-tax return.

    Tax-Free
    Yield Taxable-Equivalent
    Yield
    1.00% 1.70%
    1.50% 2.54%
    2.00% 3.39%
    2.50% 4.24%
    3.00% 5.09%
    3.50% 5.94%
    4.00% 6.78%
    4.50% 7.63%
    5.00% 8.48%

    If your total effective rate is 31.000%

    Tax-Free
    Yield Taxable-Equivalent
    Yield
    1.00% 1.45%
    1.50% 2.17%
    2.00% 2.90%
    2.50% 3.62%
    3.00% 4.35%
    3.50% 5.07%
    4.00% 5.80%
    4.50% 6.52%
    5.00% 7.25%

    March 18, 2008 at 4:24 PM #172920
    waterboy
    Participant

    asianautica- you would have to be in the highest tax brackets for Fed & State and get around 4.75% tax free from the muni’s to see an 8% taxable equivalent. I’m not sure what current muni rates are but I doubt they are in the high 4%

    For example: Say your total effective rate is 41.045%

    Select a tax-free yield on the left, and look across to find the taxable yield you would need to get the equivalent after-tax return.

    Tax-Free
    Yield Taxable-Equivalent
    Yield
    1.00% 1.70%
    1.50% 2.54%
    2.00% 3.39%
    2.50% 4.24%
    3.00% 5.09%
    3.50% 5.94%
    4.00% 6.78%
    4.50% 7.63%
    5.00% 8.48%

    If your total effective rate is 31.000%

    Tax-Free
    Yield Taxable-Equivalent
    Yield
    1.00% 1.45%
    1.50% 2.17%
    2.00% 2.90%
    2.50% 3.62%
    3.00% 4.35%
    3.50% 5.07%
    4.00% 5.80%
    4.50% 6.52%
    5.00% 7.25%

    March 18, 2008 at 4:24 PM #172578
    waterboy
    Participant

    asianautica- you would have to be in the highest tax brackets for Fed & State and get around 4.75% tax free from the muni’s to see an 8% taxable equivalent. I’m not sure what current muni rates are but I doubt they are in the high 4%

    For example: Say your total effective rate is 41.045%

    Select a tax-free yield on the left, and look across to find the taxable yield you would need to get the equivalent after-tax return.

    Tax-Free
    Yield Taxable-Equivalent
    Yield
    1.00% 1.70%
    1.50% 2.54%
    2.00% 3.39%
    2.50% 4.24%
    3.00% 5.09%
    3.50% 5.94%
    4.00% 6.78%
    4.50% 7.63%
    5.00% 8.48%

    If your total effective rate is 31.000%

    Tax-Free
    Yield Taxable-Equivalent
    Yield
    1.00% 1.45%
    1.50% 2.17%
    2.00% 2.90%
    2.50% 3.62%
    3.00% 4.35%
    3.50% 5.07%
    4.00% 5.80%
    4.50% 6.52%
    5.00% 7.25%

    March 18, 2008 at 4:24 PM #172940
    waterboy
    Participant

    asianautica- you would have to be in the highest tax brackets for Fed & State and get around 4.75% tax free from the muni’s to see an 8% taxable equivalent. I’m not sure what current muni rates are but I doubt they are in the high 4%

    For example: Say your total effective rate is 41.045%

    Select a tax-free yield on the left, and look across to find the taxable yield you would need to get the equivalent after-tax return.

    Tax-Free
    Yield Taxable-Equivalent
    Yield
    1.00% 1.70%
    1.50% 2.54%
    2.00% 3.39%
    2.50% 4.24%
    3.00% 5.09%
    3.50% 5.94%
    4.00% 6.78%
    4.50% 7.63%
    5.00% 8.48%

    If your total effective rate is 31.000%

    Tax-Free
    Yield Taxable-Equivalent
    Yield
    1.00% 1.45%
    1.50% 2.17%
    2.00% 2.90%
    2.50% 3.62%
    3.00% 4.35%
    3.50% 5.07%
    4.00% 5.80%
    4.50% 6.52%
    5.00% 7.25%

    March 18, 2008 at 4:24 PM #173019
    waterboy
    Participant

    asianautica- you would have to be in the highest tax brackets for Fed & State and get around 4.75% tax free from the muni’s to see an 8% taxable equivalent. I’m not sure what current muni rates are but I doubt they are in the high 4%

    For example: Say your total effective rate is 41.045%

    Select a tax-free yield on the left, and look across to find the taxable yield you would need to get the equivalent after-tax return.

    Tax-Free
    Yield Taxable-Equivalent
    Yield
    1.00% 1.70%
    1.50% 2.54%
    2.00% 3.39%
    2.50% 4.24%
    3.00% 5.09%
    3.50% 5.94%
    4.00% 6.78%
    4.50% 7.63%
    5.00% 8.48%

    If your total effective rate is 31.000%

    Tax-Free
    Yield Taxable-Equivalent
    Yield
    1.00% 1.45%
    1.50% 2.17%
    2.00% 2.90%
    2.50% 3.62%
    3.00% 4.35%
    3.50% 5.07%
    4.00% 5.80%
    4.50% 6.52%
    5.00% 7.25%

    March 18, 2008 at 4:51 PM #172941
    an
    Participant

    Does the yield change daily? Does the lowering of the FED fund rate affect the bond yield? How often does interest get calculated? Is it daily or monthly? Do you have to keep your money in there for a fixed period of time? Do you know of any site that have the rates in real time?

    March 18, 2008 at 4:51 PM #172605
    an
    Participant

    Does the yield change daily? Does the lowering of the FED fund rate affect the bond yield? How often does interest get calculated? Is it daily or monthly? Do you have to keep your money in there for a fixed period of time? Do you know of any site that have the rates in real time?

    March 18, 2008 at 4:51 PM #172945
    an
    Participant

    Does the yield change daily? Does the lowering of the FED fund rate affect the bond yield? How often does interest get calculated? Is it daily or monthly? Do you have to keep your money in there for a fixed period of time? Do you know of any site that have the rates in real time?

    March 18, 2008 at 4:51 PM #173048
    an
    Participant

    Does the yield change daily? Does the lowering of the FED fund rate affect the bond yield? How often does interest get calculated? Is it daily or monthly? Do you have to keep your money in there for a fixed period of time? Do you know of any site that have the rates in real time?

    March 18, 2008 at 4:51 PM #172965
    an
    Participant

    Does the yield change daily? Does the lowering of the FED fund rate affect the bond yield? How often does interest get calculated? Is it daily or monthly? Do you have to keep your money in there for a fixed period of time? Do you know of any site that have the rates in real time?

    March 18, 2008 at 5:13 PM #173057
    Raybyrnes
    Participant

    8 % wouldn’t be3 that hard of a stretch especially if you are in a high tax bracket.

    http://municipalbonds.com/archive/CA/

    http://treasurydirect.gov/
    http://www.zionsbank.com/zd_bonds_less.jsp

    March 18, 2008 at 5:13 PM #172616
    Raybyrnes
    Participant

    8 % wouldn’t be3 that hard of a stretch especially if you are in a high tax bracket.

    http://municipalbonds.com/archive/CA/

    http://treasurydirect.gov/
    http://www.zionsbank.com/zd_bonds_less.jsp

    March 18, 2008 at 5:13 PM #172975
    Raybyrnes
    Participant

    8 % wouldn’t be3 that hard of a stretch especially if you are in a high tax bracket.

    http://municipalbonds.com/archive/CA/

    http://treasurydirect.gov/
    http://www.zionsbank.com/zd_bonds_less.jsp

    March 18, 2008 at 5:13 PM #172956
    Raybyrnes
    Participant

    8 % wouldn’t be3 that hard of a stretch especially if you are in a high tax bracket.

    http://municipalbonds.com/archive/CA/

    http://treasurydirect.gov/
    http://www.zionsbank.com/zd_bonds_less.jsp

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