Search found 3840 matches

Return to advanced search

Re: Can I have two Roth IRAs at Vanguard?

Yes, I've had multiple IRA accounts at Vanguard. For example, it is a good idea to create a new Roth IRA each time you do a conversion from a TIRA to a Roth if you are doing annual conversions. That way, if you decide later to recharacterize a conversion back to a TIRA it is easy to do since the con...
by Browser
Sat Apr 25, 2015 5:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I have two Roth IRAs at Vanguard?
Replies: 8
Views: 772

Re: Should I use Roth funds for new car purchase?

Check exactly where you are in the SS phase-in. You might be able to take a large withdawal from the traditional IRA without having a significant amount taxed at 46.25% (25% tax bracket and still in the phase-in). If this is the case, you might even take more than you need out of the traditional IR...
by Browser
Sat Apr 25, 2015 10:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I use Roth funds for new car (lump sum) purchase?
Replies: 15
Views: 1187

Re: Should I use Roth funds for new car purchase?

About a year ago, I got a 0% interest car loan after negotiating to pay cash. It certainly helps with cash flow and taxes. So I would rethink the idea of not financing. If that happened, I'd do it. I don't like to mess up the price negotiations so I go in there planning to negotiate a cash deal. If...
by Browser
Sat Apr 25, 2015 10:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I use Roth funds for new car (lump sum) purchase?
Replies: 15
Views: 1187

Re: Required minimum distributions from after-tax plan

A non qualified annuity is not subject to the usual RMDs under Sec 401(a)(9) that applies to qualified plans and IRA accounts. RMDs generally begin at age 70.5. However, a NQ annuity cannot be left in place indefinitely to be inherited by beneficiaries. At an age determined by either state requirem...
by Browser
Fri Apr 24, 2015 11:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Required minimum distributions from after-tax plan
Replies: 3
Views: 362

Required minimum distributions from after-tax plan

I have an after-tax annuity plan with TIAA. Not an employer plan, based on my own after-tax contributions over the years. Is this type of plan subject to RMDs (required minimum distributions) or can it be left untouched?
by Browser
Fri Apr 24, 2015 10:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Required minimum distributions from after-tax plan
Replies: 3
Views: 362

Re: Should I use Roth funds for new car purchase?

If you need to spend your RMDs anyway, then the traditional IRA money is no more valuable than the Roth money after you adjust for the portion of the traditional IRA that is owned by the IRS. If you normally pay 30% tax on withdrawals from the traditional IRA, then you can withdraw $3500 from the R...
by Browser
Fri Apr 24, 2015 8:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I use Roth funds for new car (lump sum) purchase?
Replies: 15
Views: 1187

Re: Can Shiller's PE10 (CAPE) Get Any More Discredited?

Here's the rub with using valuation metrics to increase or decrease equity allocation. As the OP's linked article points out, measures such as PE10 are mostly responsive to changes in the "P" part of the equation (the numerator), because the data used for the "E" part of the equa...
by Browser
Fri Apr 24, 2015 6:58 pm
 
Forum: Investing - Theory, News & General
Topic: Can Shiller's PE10 (CAPE) Get Any More Discredited?
Replies: 81
Views: 5628

Should I use Roth funds for new car (lump sum) purchase?

Like most retirees taking Social Security, I have a dilemma regarding a lump sum purchase I am contemplating. Because of the way SS is taxed, the marginal tax on additional retirement account distributions can end up being pretty high. In my case, I'm planning to take about $5,000 in additional TIRA...
by Browser
Fri Apr 24, 2015 12:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I use Roth funds for new car (lump sum) purchase?
Replies: 15
Views: 1187

Brett Arends: The search for a great stock picker is over!

Another ingenius post from Brett Arends that proves index fund investing is really pap and you can readily beat the market with a genius stock picker. Of course, that requires that you are a genius picker of stock pickers and that once you have picked the right picker, the picker continues to be a g...
by Browser
Fri Apr 24, 2015 10:35 am
 
Forum: Investing - Theory, News & General
Topic: Brett Arends: The search for a great stock picker is over!
Replies: 1
Views: 434

Re: Best (Available)Red Wine for under $15 preferrably under

Does anyone actually expect any kind of consensus to emerge from this thread? If you posters actually did a blind tasting, you wouldn't even agree with yourself about the best wine! De gustibus non est disputandum.
by Browser
Fri Apr 24, 2015 10:24 am
 
Forum: Personal Consumer Issues
Topic: Best (Available)Red Wine for under $15 preferrably under $10
Replies: 56
Views: 3929

Re: Can Shiller's PE10 (CAPE) Get Any More Discredited?

...with prices across a lot of asset classes looking expensive... What do phrases like "looking expensive" actually mean? Is this a matter of perception and intuition? "I shall not today attempt further to define the kinds of material I understand to be embraced within that shorthand...
by Browser
Fri Apr 24, 2015 10:15 am
 
Forum: Investing - Theory, News & General
Topic: Can Shiller's PE10 (CAPE) Get Any More Discredited?
Replies: 81
Views: 5628

Re: Leave an IRA through a Trust?

Trusts as beneficiaries are not only useful for creditor protection purposes, but to allow distribution of inherited assets to be managed in cases where it might be inappropriate for the beneficiary or beneficiaries to directly inherit an IRA. There are many cases where this might apply based on the...
by Browser
Fri Apr 24, 2015 10:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Leave an IRA through a Trust?
Replies: 17
Views: 1311

Re: U.S. stocks in freefall

I love my allocation! I really do. I feel super agnostic despite my tilts. International up or down? Small losing to or beating large? Doesn't matter LOVE my allocation???? Wow, you need to get out more. It may not be the best approach to investing to become emotionally attached to your allocation....
by Browser
Thu Apr 23, 2015 9:53 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1261
Views: 241178

Re: cleaning plastic eyeglass lenses

Anti reflective coating is supposed to improve the clarity of your vision by cutting out reflective glare as you look through them. Don't know if that's really true or not. I went for this when I got prescription polarized sunglasses. It does make glasses look better on your face because it reduces ...
by Browser
Thu Apr 23, 2015 7:29 pm
 
Forum: Personal Consumer Issues
Topic: cleaning plastic eyeglass lenses
Replies: 30
Views: 1464

Re: MB vs Volvo vs. Other?

We spent a few hours test driving yesterday and really liked the Volvo V60. Seems like a nice compromise. 37mpg highway. 4 year/50,000 mile warranty. Volvo safety. They have some impressive discounts now. Are big discounts a good sign? Maybe having trouble moving them. There's always the rumor with...
by Browser
Thu Apr 23, 2015 7:21 pm
 
Forum: Personal Consumer Issues
Topic: MB vs Volvo vs. Other?
Replies: 48
Views: 3280

Re: Can Shiller's PE10 (CAPE) Get Any More Discredited?

If you just tilt slightly based on PE10, it's really not worth your time. So you really have to tilt heavily (if you believe in it). Given how poorly PE10 has tested when used in isolation, I would liken heavily tilting in that direction to picking stocks by throwing darts. For the PE10 crowd to cl...
by Browser
Thu Apr 23, 2015 2:32 pm
 
Forum: Investing - Theory, News & General
Topic: Can Shiller's PE10 (CAPE) Get Any More Discredited?
Replies: 81
Views: 5628

Re: Can Shiller's PE10 (CAPE) Get Any More Discredited?

You must recall that PE10 is related to returns over a 7-10 year period. If PE10 is relatively high (as it is today), then we would expect returns over the next 7-10 year period to be mediocre. But nobody said how you'll get there. You might have consistent blah returns, or you might have up and dow...
by Browser
Thu Apr 23, 2015 10:58 am
 
Forum: Investing - Theory, News & General
Topic: Can Shiller's PE10 (CAPE) Get Any More Discredited?
Replies: 81
Views: 5628

Re: cleaning plastic eyeglass lenses

Slightly different question. I have high-index plastic lenses in my glasses and I notice that after about a year (current and last pair) there is slight yellowing of the material. They have had anti-reflective coating applied. Last two pair have been different brands but no difference - both yellowe...
by Browser
Thu Apr 23, 2015 10:33 am
 
Forum: Personal Consumer Issues
Topic: cleaning plastic eyeglass lenses
Replies: 30
Views: 1464

Shiller PE website not displaying chart - screwball Chrome?

I've used this website a lot and for some reason it no longer displays the chart of PE/10 for me. I've checked my browser settings and can't figure out why. I'm using Chrome and apparently an update was downloaded recently that seems to have done screwy things to my bookmarking, so maybe it has some...
by Browser
Wed Apr 22, 2015 11:07 pm
 
Forum: Investing - Theory, News & General
Topic: Shiller PE website not displaying chart - screwball Chrome?
Replies: 2
Views: 177

Re: MB vs Volvo vs. Other?

If some folks don't like CR, what other publications rating vehicle reliability are better? I looked at JD Power's 2015 Vehicle Dependability Study. This compares 3-year old vehicles (2012 models) based on the number and type of problems reported by owners within the last 12 months. Here are some th...
by Browser
Wed Apr 22, 2015 8:09 pm
 
Forum: Personal Consumer Issues
Topic: MB vs Volvo vs. Other?
Replies: 48
Views: 3280

Re: What is safest vehicle on the road today?

I would not consider a motorcycle -- even with rollbars installed. You can be killed by a bird with it's beak forward at 60 mph. Like a dagger to the heart. :oops: I assume most people on motorcycles have helmets. Helmet doesn't help much when the bird hits you in the chest. Based on my actual expe...
by Browser
Wed Apr 22, 2015 6:26 pm
 
Forum: Personal Consumer Issues
Topic: [What is safest vehicle on the road today that I can buy?]
Replies: 83
Views: 4516

Re: MB vs Volvo vs. Other?

The Mercedes diesel will last virtually forever. It's like buying a German tank without a machine gun on the hood. Don't believe the wussies at Consumer Reports, who wouldn't understand a car if it ran over them. CR is more concerned about cup holders than engine performance. Do you actually read C...
by Browser
Wed Apr 22, 2015 6:21 pm
 
Forum: Personal Consumer Issues
Topic: MB vs Volvo vs. Other?
Replies: 48
Views: 3280

Re: MB vs Volvo vs. Other?

1. Safety 2. Some sort of luxury status. My wife visits people's homes for work and pulling up in a nicer car makes an excellent impression 3. Reliability 4. Room for kids and strollers 5. Reasonable gas mileage Thanks. If reliability is on the list, I wouldn't consider the MB. It may not leave you...
by Browser
Wed Apr 22, 2015 5:13 pm
 
Forum: Personal Consumer Issues
Topic: MB vs Volvo vs. Other?
Replies: 48
Views: 3280

Re: Can Shiller's PE10 (CAPE) Get Any More Discredited?

PE10 indication that US stocks were overvalued in 2011 is enough to convince it's not a winning approach. Why? Stocks were over-valued in 1997, that didn't mean that you should automatically dump your whole equity portfolio. You're confusing "over-valued" with "will crash tomorrow&qu...
by Browser
Wed Apr 22, 2015 4:52 pm
 
Forum: Investing - Theory, News & General
Topic: Can Shiller's PE10 (CAPE) Get Any More Discredited?
Replies: 81
Views: 5628

Re: Can Shiller's PE10 (CAPE) Get Any More Discredited?

Lots of bather. It boils down to two questions: (1) do stock valuations matter, and (2) can you estimate stock valuations? If you don't think that valuations matter in any way, then move on and get a life. If you do think that valuations matter in some way or other but can't be estimated, then move ...
by Browser
Wed Apr 22, 2015 11:00 am
 
Forum: Investing - Theory, News & General
Topic: Can Shiller's PE10 (CAPE) Get Any More Discredited?
Replies: 81
Views: 5628

Re: Another TREA question

Consider that TREA is a direct investment in real estate, and not a basket of stocks. What is that worth to you as an asset class in your portfolio? Think about the ER of directly owning real estate - is it going to be .09%? Probably not.
by Browser
Wed Apr 22, 2015 9:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Another TREA question
Replies: 6
Views: 440

Re: Broken Oxygen Sensor on Car

depends on the car. On some BMW's the O2 code is usually an indicator of another problem "upstream" and not the O2 sensor itself. I have personally seen this happen and the fix was absurdly cheap and the dealer wanted $3k... Exactly so. When I was having the problem the diagnostic code di...
by Browser
Wed Apr 22, 2015 9:43 am
 
Forum: Personal Consumer Issues
Topic: Broken Oxygen Sensor on Car
Replies: 43
Views: 2635

Re: Can Shiller's PE10 (CAPE) Get Any More Discredited?

lee1026 wrote:If you buy and sell the board market based on P/E, you would have about zero market beating returns.

https://personal.vanguard.com/pdf/s338.pdf

Is investing in the board market the same as holding timber?
by Browser
Tue Apr 21, 2015 11:53 pm
 
Forum: Investing - Theory, News & General
Topic: Can Shiller's PE10 (CAPE) Get Any More Discredited?
Replies: 81
Views: 5628

Re: [What is safest vehicle on the road today that I can buy

You certainly have to consider Volvos. Safety is one of their main claims to fame and the reason that many purchase one. More and more new vehicles are coming equipped with an array of electronic safety features as well, and you should consider models that include these.
by Browser
Tue Apr 21, 2015 7:30 pm
 
Forum: Personal Consumer Issues
Topic: [What is safest vehicle on the road today that I can buy?]
Replies: 83
Views: 4516

Re: Broken Oxygen Sensor on Car

There are a bunch of different gizmos that are involved with the emission control system on vehicles in addition to the O2 sensor. I was told I had a bad O2 sensor (there's more than one), but it turned out it was some other gizmo involving manifold fuel-oxygen control that had to be replaced. I too...
by Browser
Tue Apr 21, 2015 3:11 pm
 
Forum: Personal Consumer Issues
Topic: Broken Oxygen Sensor on Car
Replies: 43
Views: 2635

Re: U.S. stocks in freefall

House Blend wrote:Bump.

What are you bumping, anyway? The thread had already become reactivated. Are you a serial bumper, or a pile-on bumper?
by Browser
Tue Apr 21, 2015 12:30 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1261
Views: 241178

Re: MB vs Volvo vs. Other?

I've owned non-US vehicles since 1986, but I have the sneaking suspicion that many US vehicles are now on par with foreign brands based on reliability, engineering and performance. For example, Buick is gathering some very good ratings these days on Consumer Reports and elsewhere. One thing I've not...
by Browser
Tue Apr 21, 2015 12:26 pm
 
Forum: Personal Consumer Issues
Topic: MB vs Volvo vs. Other?
Replies: 48
Views: 3280

Re: Can Shiller's PE10 (CAPE) Get Any More Discredited?

A lot of posts seem to be critical of PE10 as a market timing tool. Where did I miss the part where someone was claiming that? Seems kinda boring to read arguments refuting a claim that nobody made.
by Browser
Tue Apr 21, 2015 12:07 pm
 
Forum: Investing - Theory, News & General
Topic: Can Shiller's PE10 (CAPE) Get Any More Discredited?
Replies: 81
Views: 5628

Re: MB vs Volvo vs. Other?

Check out Consumer Reports ratings. IMO, more useful than random anecdotal reports. In the case of MB and Volvo, the ratings are middling. Not as good as you'd expect given the purchase price and cost of routine maintenance on these vehicles. German cars in particular are known for expensive mainten...
by Browser
Tue Apr 21, 2015 10:57 am
 
Forum: Personal Consumer Issues
Topic: MB vs Volvo vs. Other?
Replies: 48
Views: 3280

Re: Can Shiller's PE10 (CAPE) Get Any More Discredited?

I wonder how discredited PE10 was when it kept climbing to the moon and exceeded 44 in 1999? It would be typical that such indicators become more and more disdained as they become more and more relevant. Two things are important, First, CAPE is a lot more useful for predicting long term returns (7-1...
by Browser
Tue Apr 21, 2015 10:52 am
 
Forum: Investing - Theory, News & General
Topic: Can Shiller's PE10 (CAPE) Get Any More Discredited?
Replies: 81
Views: 5628

Re: MB vs Volvo vs. Other?

I looked at the Volvo XC-60 and liked it also. A few nitpicks. I test drove it 3 different times, and made sure to drive on a stretch of pretty bumpy pavement. I wasn't overwhelmed by the smoothness of the ride on that surface. I'm looking for a pretty high quality ride in vehicles of this class. I ...
by Browser
Tue Apr 21, 2015 10:14 am
 
Forum: Personal Consumer Issues
Topic: MB vs Volvo vs. Other?
Replies: 48
Views: 3280

Re: What is safest vehicle on the road today?

I would not consider a motorcycle -- even with rollbars installed. You can be killed by a bird with it's beak forward at 60 mph. Like a dagger to the heart. :oops:
by Browser
Mon Apr 20, 2015 8:43 pm
 
Forum: Personal Consumer Issues
Topic: [What is safest vehicle on the road today that I can buy?]
Replies: 83
Views: 4516

Re: Bernstein: "If you've won the game, stop playing."

It's interesting that a number of studies have shown that public employees overwhelming prefer a defined benefit to a defined contribution retirement plan when given a choice between either. One study included public employees from seven different states. DB uptake rates ranged from 98% to 75%. On t...
by Browser
Mon Apr 20, 2015 12:07 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein: "If you've won the game, stop playing."
Replies: 146
Views: 14772

Re: U.S. stocks in freefall

Aaaaaaiiiiiiiiiiiiiiiiiiiiiiiiiii!!!

Image
by Browser
Fri Apr 17, 2015 8:23 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1261
Views: 241178

Bernstein: "If you've won the game, stop playing."

William Bernstein advises retirees and near-retirees to avoid investing in risky assets such as stocks, at least with money needed to provide an adequate income stream. Is anybody acting on this advice and what is your strategy? In other words, once the game has been won by accumulating enough safe ...
by Browser
Fri Apr 17, 2015 9:20 am
 
Forum: Investing - Theory, News & General
Topic: Bernstein: "If you've won the game, stop playing."
Replies: 146
Views: 14772

Re: Do REITs really offer effective portfolio diversificatio

Fryxell - Thanks for your detailed and informative analysis. It helps to shed further light on the topic. As you pointed out, and I agree, there seems to be idiosyncratic risk associated with REITs that is not represented by factors such as small, value, and term. I inferred this from the fact that ...
by Browser
Thu Apr 16, 2015 8:43 pm
 
Forum: Investing - Theory, News & General
Topic: Do REITs really offer effective portfolio diversification?
Replies: 56
Views: 4930

Re: Do REITs really offer effective portfolio diversificatio

Do REITs really offer effective portfolio diversification? Over the last 15 or so years, they have for me. They are also the best-returning asset class I own. Volatile, but worth it (for the last 15 years anyway). That's just because you didn't know you could have done better replacing your REIT al...
by Browser
Thu Apr 16, 2015 7:02 pm
 
Forum: Investing - Theory, News & General
Topic: Do REITs really offer effective portfolio diversification?
Replies: 56
Views: 4930

Re: [retired guy said] terrible crash is coming

Beware of politicians bearing predictions. At least in the case of economists, you know they're just wrong and have no ulterior motives...
by Browser
Thu Apr 16, 2015 6:54 pm
 
Forum: Investing - Theory, News & General
Topic: [retired guy said] terrible crash is coming
Replies: 71
Views: 8360

Re: [retired guy said] terrible crash is coming

Under my pseudonym "Mega Bear" I have predicted a gigantic market crash that will ruin every investor in the world. Under my other pseudonym "Mega Bull" I have predicted a gigantic parabolic market rise that will make every investor in the world as rich as King Midas. I have mail...
by Browser
Thu Apr 16, 2015 1:54 pm
 
Forum: Investing - Theory, News & General
Topic: [retired guy said] terrible crash is coming
Replies: 71
Views: 8360

Re: Do REITs really offer effective portfolio diversificatio

Everyone is familiar with the Larry portfolio, generally a 30% allocation to SCV with a 70% allocation to intermediate term fixed income (Portfolio 2 below). This allocation has produced about the same return as 100% in TSM over time (Portfolio 1 below), excepting the market runup in the late 1990s ...
by Browser
Thu Apr 16, 2015 1:29 pm
 
Forum: Investing - Theory, News & General
Topic: Do REITs really offer effective portfolio diversification?
Replies: 56
Views: 4930

Re: Buy new Acura? Nearest dealer service is 125 miles away

I've heard that dealerships may be making more money servicing cars than selling them. If that's the case, it's unlikely that an Acura dealer is going to tell you that it's OK to get your maintenance work done somewhere else; maybe not even to sell you a new vehicle. Just wondering.
by Browser
Thu Apr 16, 2015 11:07 am
 
Forum: Personal Consumer Issues
Topic: Buy new Acura? Nearest dealer service is 125 miles away
Replies: 23
Views: 1893

Re: Do REITs really offer effective portfolio diversificatio

I think the point is that the returns of REITs can be primarily accounted for by the risk factors: smallcap, value, and interest rate term. There's nothing unique about REIT returns at all, and no reason to add REITs as an "asset class" to one's portfolio. If you want to add REITs that's f...
by Browser
Thu Apr 16, 2015 11:03 am
 
Forum: Investing - Theory, News & General
Topic: Do REITs really offer effective portfolio diversification?
Replies: 56
Views: 4930

Re: Do REITs really offer effective portfolio diversificatio

Here are the returns from 1972-2014 for 50% TSM/10% REIT/40% Bond allocation (Portfolio 1) when 6.5% SCV+3.5% Long Treasuries is substituted for the 10% REIT allocation (Portfolio 2). Both improved portfolio returns compared to a 60% TSM/ 40% Bond allocation (Portfolio 3), but there is no meaningful...
by Browser
Thu Apr 16, 2015 9:38 am
 
Forum: Investing - Theory, News & General
Topic: Do REITs really offer effective portfolio diversification?
Replies: 56
Views: 4930

Re: Do REITs really offer effective portfolio diversificatio

Chart comparing the returns of REITs (Portfolio 1) to 65% SCV + 35% Long Treasuries (Portfolio 2). As you can see they track pretty closely. Portfolio 2 was less volatile than Portfolio 1 and had much smaller drawdowns. Holding some SCV and increasing bond duration appears to me to be a pretty good ...
by Browser
Wed Apr 15, 2015 10:40 pm
 
Forum: Investing - Theory, News & General
Topic: Do REITs really offer effective portfolio diversification?
Replies: 56
Views: 4930

Re: Do REITs really offer effective portfolio diversificatio

Actually, using Portfolio Visualizer you can see that REITS load on small, value, and term risk factors. Also have a positive loading on MOM. I expect that these factor exposures account for the returns of REITS. The "backtesting" had the purpose of seeing if a simplistic allocation to SCV...
by Browser
Wed Apr 15, 2015 7:14 pm
 
Forum: Investing - Theory, News & General
Topic: Do REITs really offer effective portfolio diversification?
Replies: 56
Views: 4930
Next

Return to advanced search