Search found 2111 matches

Return to advanced search

Re: How high of an allocation to REITs?

OP, I would suggest you first ask yourself why you would want REITs to an extent more than the Total Stock Index Fund. If your reason is that you think real estate will do well or something like that, I suggest that you or I have no more knowledge about that than a dart throwing monkey or a Wall Str...
by Calm Man
Thu Apr 17, 2014 9:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: How high of an allocation to REITs?
Replies: 13
Views: 1198

Re: How to avoid ads and not get tracked

One other thing. I have a facebook "account" in that they ahve my name and that's it. They used to have more and I presume have kept it somewhere. I had logged onto facebook from a prior computer and somehow wherever I went, it knew I was on facebook. (The way you can tell is some newspape...
by Calm Man
Thu Apr 17, 2014 9:39 pm
 
Forum: Personal Consumer Issues
Topic: How to avoid ads and not get tracked
Replies: 20
Views: 1053

Re: Little to no income for 2 years- take IRA RMDs up to 37k

I offer and additional factor for consideration. I believe it should be acceptable under forum guidelines because I have never heard of any proposed legislation involving this. I heard this within the last few weekends on the radio while jogging and I happened to hit a preset, arrive at WABC radio N...
by Calm Man
Thu Apr 17, 2014 9:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Little to no income for 2 years- take IRA RMDs up to 37k?
Replies: 14
Views: 1052

Re: Asset allocation over time

I think that once over 40 or so, you could just go 50/50 for life. It is easy to do and probably just fine.
by Calm Man
Thu Apr 17, 2014 6:06 pm
 
Forum: Investing - Theory, News & General
Topic: Asset allocation over time
Replies: 22
Views: 903

Re: Vanguard Total International (VTSAX) - Taxable Account

I think if you are going to hold international, it still belongs in taxable unless your marginal tax rate at RMD time will be less than your current tax rate. If international is held in deferred accounts, you will eventually pay tax on the dividends without benefit of the tax credit. The tax burde...
by Calm Man
Thu Apr 17, 2014 5:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total International (VTSAX) - Taxable Account
Replies: 14
Views: 1090

Re: Draft email to investment advisor re outperforming Total

You are giving the adviser "cruel and unusual punishment". Seriously, OP, you know that no adviser is going to beat the indices and after fees and taxes generated, any adviser will lose to the index. I think you are wasting your time with these letters and the adviser cannot possibly meet ...
by Calm Man
Thu Apr 17, 2014 3:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Draft email to investment advisor re outperforming Total Mar
Replies: 20
Views: 1679

Re: Vanguard Total International (VTSAX) - Taxable Account

Indeed, we have had many discussions about this. I have been extremely vocal about the relatively high amount of nonqualified dividends. When coupled with a higher yield than the US total market fund, I (and others) have elected to not use this fund in the taxable accounts.
by Calm Man
Thu Apr 17, 2014 3:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total International (VTSAX) - Taxable Account
Replies: 14
Views: 1090

Re: "At Vanguard my voice is my password"

It is great. I had to do some things that I couldn't believe they let me do over the phone but only because I had voice recognition. And I used to never make mistakes but this year when I made my self employed 401K contribution at Vanguard for tax year 2013, I did it as 2014. It took a little work t...
by Calm Man
Wed Apr 16, 2014 10:35 pm
 
Forum: Personal Consumer Issues
Topic: "At Vanguard my voice is my password"
Replies: 19
Views: 1774

Re: Asness & Fama on Bloomberg TV NOW

I didn't know at the time or watch. I am interested always in academic discussions for the sake of education. Is this not, though, financial porn? Did anybody who watch this today change anything they did one iota? It seems either one buys into the DFA approach or believes in the Total stock market ...
by Calm Man
Tue Apr 15, 2014 10:23 pm
 
Forum: Investing - Theory, News & General
Topic: Asness & Fama on Bloomberg TV NOW
Replies: 23
Views: 1119

Re: Anyone use Fidelity as their bank account?

I hate it beyond belief !!! I did it with Vanguard for years and stopped. I realized that if my checks were coming out of the brokerage account that any money there wsa potentially accessible to anybody who simply used the routing and account #s or even just printed checks. The money in the money m...
by Calm Man
Tue Apr 15, 2014 8:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use Fidelity as their bank account?
Replies: 27
Views: 1724

Re: Stocks: How Bad It Can Get

Look at this psychological statement. Isn`t it funny how this question arises after the correction which sort of tells me that people are probably not allocated correctly. No one mentions rebalancing during this correction which the academics suggest. After what correction ? Indeed. I think we were...
by Calm Man
Tue Apr 15, 2014 8:24 pm
 
Forum: Investing - Theory, News & General
Topic: Stocks: How Bad It Can Get
Replies: 72
Views: 5302

Re: Stocks: How Bad It Can Get

As a young investor in my infancy years of investing, I can't wait for another financial crisis. 60-80% drop for next 2-3 years? I can only hope. :wink: I indeed hope your job doesn't get affected. But really, I hear this too much from younger people. I do not believe they really think through the ...
by Calm Man
Tue Apr 15, 2014 6:58 pm
 
Forum: Investing - Theory, News & General
Topic: Stocks: How Bad It Can Get
Replies: 72
Views: 5302

Re: Anyone use Fidelity as their bank account?

I hate it beyond belief !!! I did it with Vanguard for years and stopped. I realized that if my checks were coming out of the brokerage account that any money there wsa potentially accessible to anybody who simply used the routing and account #s or even just printed checks. The money in the money ma...
by Calm Man
Tue Apr 15, 2014 6:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use Fidelity as their bank account?
Replies: 27
Views: 1724

Re: 22 Y/O Cadet Advise

Thank you for your service, especially in the future when you go to battle and return unharmed. I know that the service academies, with taxpayer funding, pay the full freight for the education and training. I am not familiar with all of the academies but the two I am familiar with have such intense ...
by Calm Man
Tue Apr 15, 2014 4:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: 22 Y/O Cadet Advise
Replies: 8
Views: 522

Re: the President's savings rate

OP, you have Interpreted the information incorrectly. That was the amount in one account. I presume he is saving almost everything else after tax as well as he does not have any other expenses except maybe gifts and expenses for his kids..
by Calm Man
Sun Apr 13, 2014 1:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: the President's savings rate
Replies: 19
Views: 2603

Re: Income for no capital gains tax

It would not be a tragedy to pay 15 % tax on the gain if required. The gift likely will have only some of it being gain. You're probably right. However, if I indeed don't need to pay capital gains because of my income, it would make sense for my parents to gift me stock they they would have otherwi...
by Calm Man
Sat Apr 12, 2014 8:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Income for no capital gains tax
Replies: 16
Views: 727

Re: Woodpeckers...I'm desperate!

I really don't know but some thoughts. Would a cat help? Also, although it is a federally protected species, what are the penalties if you somehow trap the woodpecker, blindfold him so he doesn't know where you are taking him, and then drive him 25 miles away and release him?
by Calm Man
Sat Apr 12, 2014 7:58 pm
 
Forum: Personal Consumer Issues
Topic: Woodpeckers...I'm desperate!
Replies: 52
Views: 3366

Re: Income for no capital gains tax

It would not be a tragedy to pay 15 % tax on the gain if required. The gift likely will have only some of it being gain.
by Calm Man
Sat Apr 12, 2014 6:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Income for no capital gains tax
Replies: 16
Views: 727

Re: squirrel question

I wouldn't hurt a fly. I assure you though that if you drive the squirrels to New Jersey they will never find their way home. Just avoid Elizabeth as they might suffer from pollution in the air.
by Calm Man
Sat Apr 12, 2014 4:26 pm
 
Forum: Personal Consumer Issues
Topic: squirrel question
Replies: 13
Views: 1138

Re: Stock markets in free fall?

Can't speak for others, but being 37 yrs. old I hope the market is down for the next 20 yrs. An accumulator job is to accumulate SHARES and NOT balances on your account. I could care less what my balance is or what the market does, but if I have a choice it is to accumulate during a rough few decad...
by Calm Man
Sat Apr 12, 2014 11:33 am
 
Forum: Investing - Theory, News & General
Topic: Stock markets in free fall?
Replies: 92
Views: 6491

Re: Losing job-financial advice

Boglemama, what about your job? Please don't tell me you don't have one because your husband does. Pretty please or you will depress me to no end. Because I always plead with women not to stop working because their husbands can lose their job, die or leave them.
by Calm Man
Thu Apr 10, 2014 8:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Losing job-financial advice
Replies: 18
Views: 1890

Re: Preventing Office Theft of Food and Other Stuff

Today, I committed theft from a community refrigerator at a company I consult with. I did not have time for lunch. I had run this AM and not eaten anything. At 2 PM I was feeling weak as in I better eat something. In the community freezer part of the refrigerator, I saw my favorite bread: Ezekiel br...
by Calm Man
Thu Apr 10, 2014 8:43 pm
 
Forum: Personal Consumer Issues
Topic: Preventing Office Theft of Food and Other Stuff
Replies: 77
Views: 4992

Re: Blog: Total World Index and the two fund portfolio

Thank you for posting Barry. And do you have a conclusion??
by Calm Man
Thu Apr 10, 2014 8:38 pm
 
Forum: Investing - Theory, News & General
Topic: Blog: Total World Index and the two fund portfolio
Replies: 3
Views: 702

Re: Should I Switch Tips Fund To Short Term Tips?

I know one fact only on this. If you switch from long to short you can guarantee yourself a change from a guaranteed loss of 0.2 % per year of real return to a loss of -1.3%. As far as rates rising or not, we know none of this. Certainly I do not know more than the people who set the prices in the b...
by Calm Man
Wed Apr 09, 2014 6:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I Switch Tips Fund To Short Term Tips?
Replies: 4
Views: 425

Re: Property investment: should my name be on the deed?

stanleyj wrote:Thank you all for your help! Was hoping that I won't need a lawyer but evidently I was wrong :(


You don't need a lawyer !!! Don't do it - this deal is not in your best interests.
by Calm Man
Tue Apr 08, 2014 1:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Property investment: should my name be on the deed?
Replies: 15
Views: 693

Re: Being a trustee for a friend's estate

I would tell my friend that you two will likely age together and it is better to have somebody younger handle it. You could add that you know basically nothing about how to be a trustee. I have done that on a few occasions.
by Calm Man
Tue Apr 08, 2014 1:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Being a trustee for a friend's estate
Replies: 14
Views: 1132

Re: Credit Threatened By Mega Cell Carrier After Bill Disput

How much money are we talking about? It looks like you are not getting your messages back. So if it's not a lot of money, even though you are right, I would prefer to be done with these people, pay them off and move on as long as my record was going to be clean. Just my opinion as I like to put ugly...
by Calm Man
Tue Apr 08, 2014 1:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Threatened By Mega Cell Carrier After Bill Dispute
Replies: 14
Views: 1107

Re: Expensive med. test not covered by insurance

This is a huge problem. You have been charged what I call the "crazy rate". Meaning if you look at an Explanation of Benefits for a regular covered test, like a complete blood count,k you will see something like: charged $150. Negotiated insurance rate $10. Paid by insurance $10. You owe: ...
by Calm Man
Mon Apr 07, 2014 10:16 pm
 
Forum: Personal Consumer Issues
Topic: Expensive med. test not covered by insurance
Replies: 71
Views: 3322

Re: Minimizing Taxes

Join the club. You just have to pay the taxes. Indeed one could take a mortgage to reduce taxes but end up giving it to a bank instead. Figure if you are in the 1% that you keep about 1/2 of what you earn. If it ever gets to keeping only 1/3 of what you earn, I suspect you will stop earning.....
by Calm Man
Sat Apr 05, 2014 12:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Minimizing Taxes
Replies: 17
Views: 981

Re: Cold Feet Investing

One quarter of the assets in a church bond? That seems much more risky to me than a higher percentage of stocks, but I am an index investor and have never even known that churches issued bonds !!!!
by Calm Man
Fri Apr 04, 2014 10:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Cold Feet Investing
Replies: 9
Views: 1249

Re: Two Apartments, One FiOS Account

So your father will spend let's say a few thousand dollars to have a man cave and store things and is asking you to help him figure out how to save $50 a month and concoct some scheme for FIOS? Why waste so much energy on something like this?
by Calm Man
Fri Apr 04, 2014 10:24 pm
 
Forum: Personal Consumer Issues
Topic: Two Apartments, One FiOS Account
Replies: 15
Views: 1142

Re: Death of co-worker

OP, Learn something from it. When your doctor tells you [medical advice removed by admin LadyGeek] JW I would never [response to medical advice removed by admin LadyGeek] I will not comment on this other than to suggest that if anybody reads this and thinks they should heed these statements, then p...
by Calm Man
Mon Mar 31, 2014 10:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Death of co-worker
Replies: 94
Views: 9271

Re: Buying a house with a partner, not married

The whole thing makes me nervous. Mixed families, joint home without marriage, way different levels of down payments. Renting would be a heck of a lot better I think.
by Calm Man
Fri Mar 28, 2014 6:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying a house with a partner, not married
Replies: 23
Views: 1289

Re: Financial risks of adding someone to auto insurance poli

OP, I don't know if your MIL is a good or bad driver. But for $400 I'd have her buy the insurance or buy it for her. Older people, I am getting there and may be there, do not drive that well and you will be on the hook for any uncovered damage caused.
by Calm Man
Fri Mar 28, 2014 4:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financial risks of adding someone to auto insurance policy?
Replies: 17
Views: 746

Re: Equity-only compensation and self employment

I know of people if my state (NJ) who have worked at no salary because a startup had little cash and only got paid in options. Regardless of whether the state would allow it, there would be no value to you to receive and immediately flip stock options. Unless the board of directors is a pack of fool...
by Calm Man
Fri Mar 28, 2014 4:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Equity-only compensation and self employment
Replies: 3
Views: 380

Re: (Lack of) Emergency Fund - Are We Crazy?

I think you are fine. I think the concept of an emergency fund is more for a Suzy Orman type audience where she is concerned that these people will actually have no money available if needed.
by Calm Man
Fri Mar 28, 2014 2:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: (Lack of) Emergency Fund - Are We Crazy?
Replies: 44
Views: 3443

Re: New partner eligible for solo 401K?

czeckers, thanks, I talked to the practice accountant after posting and he told me the same thing. Also, according to him, it does not matters if she sends in the check from her personal account or ask the practice to send it to the SEP-IRA, it is all the same money. Calm Man, of course I have to a...
by Calm Man
Fri Mar 28, 2014 2:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: New partner eligible for solo 401K?
Replies: 14
Views: 759

Re: How much do I need? What's good enough?

OP, forget what you just did. Save as much as you can and invest according to your risk tolerance. You plan discounts any major upsides or downsides. One or more of both of these will happen in your life. Expenses and income are not as smooth as you are proposing.
by Calm Man
Thu Mar 27, 2014 9:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: How much do I need? What's good enough?
Replies: 14
Views: 2451

Re: New partner eligible for solo 401K?

I hate this arrangement. A K1? Yuck.
by Calm Man
Thu Mar 27, 2014 9:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: New partner eligible for solo 401K?
Replies: 14
Views: 759

Re: Can't get brokerage tax documents from Vanguard

Wow, this is crazy, What does the Flagship person say? Usually they are quite sincere in solving problems. If this is a mutual fund or brokerage account without complications, it makes no sense. But you have to file for an extension until you get the correct info but you still have 3 weeks or so.
by Calm Man
Wed Mar 26, 2014 9:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can't get brokerage tax documents from Vanguard
Replies: 11
Views: 716

Re: Where do you buy organic nuts

I am a health nut. I have reviewed everything I can in the literature. I honestly cannot conclude that "organic" anything is of value healthwise. That does not mean i don't approve of free range animals, although I eat no animal products but prefer animals are as free as possible. Nuts are...
by Calm Man
Wed Mar 26, 2014 7:33 pm
 
Forum: Personal Consumer Issues
Topic: Where do you buy organic nuts
Replies: 11
Views: 565

Re: Were These Investment Advisors Lying or Incompetent?

There could be a few people with a pocket to be lined from the winner if not Vanguard, Maybe not. I stopped donating to my alma mater when they announced they were more than 50% in alternative investments. Why for any reason they couldn't just go with Vanguard's balanced or Life Strategy Moderate gr...
by Calm Man
Wed Mar 26, 2014 7:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Were These Investment Advisors Lying or Incompetent?
Replies: 90
Views: 5886

Re: Why does a Boglehead move to an adviser at 1.25% AUM?

OP, I am missing the intent of your post. Is it whether you should do what your friend is doing? Whether you should try to convince him otherwise? Or (what I think it is) WHY did your friend change? The latter question involves your friend's psychological and behavioral makeup and you couldn't answe...
by Calm Man
Wed Mar 26, 2014 7:14 pm
 
Forum: Investing - Theory, News & General
Topic: Why does a Boglehead move to an adviser at 1.25% AUM?
Replies: 63
Views: 4224

Re: Investment questions/concerns

OP, are your finances and that of your husband totally separate as you are asking about his retirement funding? If combined, you need to give us a sense of your assets and earnings, not just his, if you would like advice.
by Calm Man
Wed Mar 26, 2014 7:08 pm
 
Forum: Investing - Theory, News & General
Topic: Investment questions/concerns
Replies: 4
Views: 395

Re: Do you work part time in retirement?

The greatest thing is to be "old" with experience in an area where you have specialized skills. Companies love you as you can get paid hourly or daily (and they know they can stop at any time), they don't have to "develop" or train you, and they don't have to pay any benefits. I ...
by Calm Man
Tue Mar 25, 2014 7:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you work part time in retirement?
Replies: 59
Views: 3890

Re: Domestic vs. International Stock Allocation

Regarding the "sweet spot" of 20-50% international. I was walked through the paper by a CFP that Flagship provided as part of a review. I requested to be walked through the paper because I read it and concluded that there was no difference between 0 and 50% international. I was then shown ...
by Calm Man
Tue Mar 25, 2014 7:16 pm
 
Forum: Investing - Theory, News & General
Topic: Domestic vs. International Stock Allocation
Replies: 37
Views: 2928

Re: Legal recourse for vehicle sold with undisclosed issues?

This is an excellent cheap life lesson. You noticed a symptom, allowed it to be dismissed. You bought something without having it inspected. Unless there is some written contract specifying the representation of certain aspects of the motorcycle, I"d forget about it. Also, another lesson is don...
by Calm Man
Tue Mar 25, 2014 5:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Legal recourse for vehicle sold with undisclosed issues?
Replies: 21
Views: 1612

Re: Rate of DCA with a large lump sum in a savings account?

OP, I would suggest the person under discussion her should not be investing anything, not a single dollar, UNTIl, he/she has spent every penny needed to change the premise of the post. Why in the name of the lord a person in the 20s would be anticipating an early demise because of an unhealthy lifes...
by Calm Man
Mon Mar 24, 2014 10:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rate of DCA with a large lump sum in a savings account?
Replies: 30
Views: 1163

Re: Installing Win8.1 on an old PC - one successful data poi

I am furious about this. I have a relatively new Toshiba Satellite that came with 8.0. I want to go to 8.1. Everything says that the "store" should have upgrade to 8.1 "prominently shown". Well its not. i called support. this of course require the specialists. Guess what? They ca...
by Calm Man
Mon Mar 24, 2014 9:36 pm
 
Forum: Personal Consumer Issues
Topic: Installing Win8.1 on an old PC - one successful data point
Replies: 24
Views: 1560
Next

Return to advanced search