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Re: Rebalancing - investment choices

So more than you asked for, but I don't think I really ever summarized how I got to where I am now. Kevin M: The whole commentary is really very useful! Thank you for taking the time! As I am completing my first year of BH-style investing, I realize that I am learning more while structuring my port...
by Copernicus
Mon Oct 13, 2014 8:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing - investment choices
Replies: 6
Views: 709

Re: FEZ - concentrated ETF

I just found AIA that also appears interesting.
by Copernicus
Mon Oct 13, 2014 12:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: FEZ - concentrated ETF
Replies: 4
Views: 605

Re: Rebalancing - investment choices

Kevin M wrote: This isn't what I do now, but it formed the basis of the evolution into what I do now.
Kevin


Would you comment on why you stopped slice/dice and what you do now? Thank you.
by Copernicus
Mon Oct 13, 2014 12:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing - investment choices
Replies: 6
Views: 709

Re: Losing money, please advise

what should i do? Given the original DCA is completely arbitrary, i am not sure what "rule" i should invoke to decide the next step!! Please help! :confused 1) stay the course and implement the 6 month DCA 2) change the DCA to 12 months 3) Postpone it my a month and reevaluate stay the co...
by Copernicus
Mon Oct 13, 2014 12:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Losing money, please advise
Replies: 36
Views: 5021

Re: Rebalancing - investment choices

Unless you are talking about significant sums of money in each account, it seems that the work to do all this rebalancing by sector would probably not be worth it. Laura Very true. Work and trading costs and taxes. That is why I was not suggesting using sector ETFs. However, I think it should be ea...
by Copernicus
Sun Oct 12, 2014 6:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing - investment choices
Replies: 6
Views: 709

Rebalancing - investment choices

I have a BH portfolio for a year now, and currently in the process of first rebalancing. I am asking myself the following questions. Please comment: - It is known that value and growth segments do not grow at the same pace. So, even when both value and growth segments go up, they dont go up to the s...
by Copernicus
Sun Oct 12, 2014 1:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing - investment choices
Replies: 6
Views: 709

Concentrated ETFs

Great suggestions! Thank you!
Any suggestions for concentrated ETFs for foreign equities (other than FEZ that I had found)?
by Copernicus
Sun Oct 12, 2014 12:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: FEZ - concentrated ETF
Replies: 4
Views: 605

Re: Losing money, please advise

Lot of good comments already from others. My two bits: - Build some experience in investing. When I was new to investing, I found it useful to move available money in 3 to 5 portions into new investments, once every month (called "dollar cost averaging" technique"). Moving all money i...
by Copernicus
Sun Oct 12, 2014 12:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Losing money, please advise
Replies: 36
Views: 5021

FEZ - concentrated ETF

I have a BH kind of portfolio. I want to tilt my portfolio slightly (no more than 2%) with megacap stocks, with the premise that in worsening economies, megacaps will have the financial wherewithal to continue to do well. But I do not want to buy either individual companies or buy ETF with hundreds ...
by Copernicus
Sat Oct 11, 2014 12:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: FEZ - concentrated ETF
Replies: 4
Views: 605

Reducing picture file size in kb

Help! - I am trying to reduce file size of a few pictures from large kilobytes size to less than 12 kb. I tried the solutions suggested by goggled answers, but they just reduce the dimensions of the picture, not the kb. Current file formats are jpeg, tiff, etc.
by Copernicus
Sat Jul 26, 2014 2:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reducing picture file size in kb
Replies: 14
Views: 649

Re: Have a million to transfer, thinking of doing 100% stock

Trevor,

Have you considered any tax impact on inheritance? Or, is it total inheritance minus taxes=almost a mil?
by Copernicus
Sat Jul 26, 2014 2:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Have a million to transfer, thinking of doing 100% stocks
Replies: 38
Views: 4061

Other forums of same high Quality?

I am always thrilled to visit BH forum as it is full of engaging posts with insightful conversations, conducted in very helpful yet polite manner! I am interested in similar forums for other kinds of topics. Is there a way to find top-rated forums on various interests? For example, I am interested i...
by Copernicus
Sun Jul 13, 2014 1:57 pm
 
Forum: Personal Consumer Issues
Topic: Other forums of same high Quality?
Replies: 6
Views: 1600

Re: Have you quit your job because of your boss?

squirm, It is great that you are not viewing your situation as a unique problem, since people routinely face these kind of situations. Solutions are as varied as the people facing them. It is commendable that you are reaching out to others to find a solution. - Nothing is more valuable than good hea...
by Copernicus
Sun Jul 13, 2014 1:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Have you quit your job because of your boss?
Replies: 66
Views: 7500

Re: Portfolio Review and Other Investment Questions

bhramer, Looks like you and spouse are young, have good careers, living within your means, and saving substantially. Congratulations! If you both are in good health, have at least 6 months of expenses as emergency funds - If the stock market takes a dive, you probably can wait it out to recover. You...
by Copernicus
Mon Jun 16, 2014 8:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review and Other Investment Questions
Replies: 13
Views: 1094

AMT Planning Strategies

http://www.kitces.com/blog/evaluating-exposure-to-the-alternative-minimum-tax-and-strategies-to-reduce-the-amt-bite/?utm_source=Nerd’s+Eye+View+%7C+Kitces.com&utm_campaign=e544dbe0cf-NEV_MAILCHIMP_LIST&utm_medium=email&utm_term=0_4c81298299-e544dbe0cf-57004849#more-3351 I wonder whether ...
by Copernicus
Wed May 21, 2014 8:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: AMT Planning Strategies
Replies: 13
Views: 1375

When to stop tax-deferred savings?

I have saved maximum allowed in 401k accounts throughout our careers. I need to calculate whether it is better to pay taxes now and avoid large required minimum distributions after 70 years, or continue 401k contributions and pay taxes later on larger required minimum distributions. How to decide? I...
by Copernicus
Mon Feb 03, 2014 8:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: When to stop tax-deferred savings?
Replies: 12
Views: 1781

Re: Streamliner coming down the track. What to do?

Congratulations....., assuming you are excited to start a new phase in life after a productive, long-term employment. I have never heard of severance going into IRA as, if it is correctly called 'severance', is always regular income. I never had pension, but friends have always opted for lump sum so...
by Copernicus
Mon Feb 03, 2014 8:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Streamliner coming down the track. What to do?
Replies: 4
Views: 535

Re: The Bogleheads Investment Philosophy

I joined this forum in 2013. I have found the forum one of the top three great learning experiences! I have one comment to attempt to make it even more useful: Very few people are fortunate enough to learn the BH philosophy early enough in their lives. They may begin saving wisely and investing fool...
by Copernicus
Wed Jan 01, 2014 6:41 pm
 
Forum: Investing - Theory, News & General
Topic: The Bogleheads Investment Philosophy
Replies: 7
Views: 634

Rebalancing spreadsheet

2014 will be my first year to consider rebalancing. I need a spreadsheet to trigger rebalancing when the balances change sufficiently relative to my original AA. I use Excel to track my investments. Instead of preparing my own new spreadsheet, I will appreciate if there is shared spreadsheet, or gui...
by Copernicus
Wed Jan 01, 2014 1:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing spreadsheet
Replies: 2
Views: 372

Just Donated!! - Who is Alex Frakt?

This is an amazing forum! Members are polite, but eager to help. Almost all posts present information that may take hours to dig out from the web! I just donated to support the site and I am so happy I remembered to do that! Hope all other visitors do too! BTW, the Paypal payment was sent to "A...
by Copernicus
Tue Dec 24, 2013 2:15 pm
 
Forum: Personal Consumer Issues
Topic: Just Donated!! - Who is Alex Frakt?
Replies: 7
Views: 1398

Re: Executor of will -- dealing with investment portfolio

The law does not require an executor (also called a personal representative) to be a legal or financial expert, but it does require the highest degree of honesty, impartiality, and diligence. This is called a "fiduciary duty" -- the duty to act with scrupulous good faith and honesty on be...
by Copernicus
Tue Dec 24, 2013 1:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Executor of will -- dealing with investment portfolio
Replies: 119
Views: 3868

Re: Total Return vs. Yield ?

Ryan: Bonds and bond funds are very efficient. Higher yield nearly always means higher risk. It has been said: "More money has been lost searching for higher yield than has been lost at the point of a gun." It makes little difference if income is from yield/dividends or from capital gains...
by Copernicus
Mon Nov 04, 2013 9:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I use Interm-Term Tax Exempt as my only bond holding?
Replies: 11
Views: 1421

Re: Pull-ups and Push-ups

Anyone else out there who likes Bodyweight exercises? (PS--I get respect from the weight-lifters when I meet them--they like a guy in his 60s who can do 80 pull-ups in 30 minutes.) +1 Ditto ...for three decades by now, except I don't do bar pull-ups.! But I supplement those exercises with a simple ...
by Copernicus
Sat Nov 02, 2013 8:28 pm
 
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 350
Views: 46476

Re: Tax-efficient ? fund placement

Calm Man, Thank you for the clarification. There is so much to learn on this board!
by Copernicus
Sat Nov 02, 2013 2:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax-efficient ? fund placement
Replies: 7
Views: 968

Re: Tax-efficient ? fund placement

International stock funds are more tax-efficient than US stock funds with an equal yield because of the foreign tax credit. However, in recent years, international stock yields have been significantly higher, and thus international stock funds have become less tax-efficient than US stock funds. I d...
by Copernicus
Fri Nov 01, 2013 2:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax-efficient ? fund placement
Replies: 7
Views: 968

Re: Good Fidelity fund focused on International Bonds

I plan to buy BNDX in my Schwab account when more money becomes available. The small spread does not bother me. On the other hand, for several small amounts invested in BNDX in Fidelity would mean a separate commission each time. That would be something to think about.
by Copernicus
Thu Oct 31, 2013 11:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Good Fidelity fund focused on International Bonds
Replies: 5
Views: 897

Re: Tax-efficient ? fund placement

Comments: 1. The yields in Yahoo Finance are probably wrong. 2. There is a difference in the way bond dividends are taxed (non-qualified) and equity fund dividends are taxed (a mix of qualified and non-qualified). 3. There are the foreign taxes paid by most international funds that one can take the...
by Copernicus
Thu Oct 31, 2013 4:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax-efficient ? fund placement
Replies: 7
Views: 968

Tax-efficient ? fund placement

I have read in the Wiki that,fixed income funds should go into tax-advantaged accounts and stocks into taxable account. International stocks would be more preferred in taxable account than US stocks. However, when I compare yields listed in Yahoo Finance for the following, it looks like the Internat...
by Copernicus
Thu Oct 31, 2013 3:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax-efficient ? fund placement
Replies: 7
Views: 968

Re: Dog can't walk on hardwood floors

retiredjg » Sun Oct 20, 2013 6:16 pm Sounds like you've solved your problem, but I thought I'd throw out one more idea. There are products that are made for show dogs that make their pads "grippier" so they are sure-footed in the show ring. I've never used any, but if you google something...
by Copernicus
Mon Oct 21, 2013 2:26 pm
 
Forum: Personal Consumer Issues
Topic: Dog can't walk on hardwood floors
Replies: 22
Views: 3953

Re: Overlapping Holdings among VB, VBR and VTV

Doesn't a Morningstar portfolio X-ray do this? Actually, I am new to Morningstar site as well. I was thinking of how good alternatives these might be to each other in tax loss harvesting exercise. I was able to see the holdings list of each ETF, but I thought there might be some source stating that...
by Copernicus
Mon Oct 21, 2013 2:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Overlapping Holdings among VB, VBR and VTV
Replies: 2
Views: 370

Overlapping Holdings among VB, VBR and VTV

New to Vanguard. Is information available on how much overlap is there among holdings of these ETF's or corresponding Vanguard funds? How can I get it?
by Copernicus
Sun Oct 20, 2013 8:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Overlapping Holdings among VB, VBR and VTV
Replies: 2
Views: 370

Re: Dog can't walk on hardwood floors

Im am the OP. Interesting, low-cost option:
Wife found inexpensive exercise/yoga mats made of rubber in Ross for less than $10 each. The dog does not have to walk on hardwood floors more than a couple feet, mats are easy to clean or hose down, easily portable, don't soil easily. Problem solved!
by Copernicus
Sun Oct 20, 2013 5:19 pm
 
Forum: Personal Consumer Issues
Topic: Dog can't walk on hardwood floors
Replies: 22
Views: 3953

Re: Talk me down

I am not being flippant or rude, but please make sure you are not putting decimal in the wrong place. Have someone else check your calculations. If these gains are correct, you would have to pick a new portfolio of different companies, based on today's market values and see if you can repeat the per...
by Copernicus
Fri Oct 11, 2013 5:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Talk me down
Replies: 77
Views: 5899

Re: career guidance, new to US, husband is radiology residen

Looks like you both can manage your expenses and live without your having to take a job. My comments are based on this assumption. Consider an undergraduate degree program that helps you earn a degree from a US institution. Do first two years in community college, which is usually inexpensive. Confi...
by Copernicus
Wed Oct 09, 2013 11:19 pm
 
Forum: Personal Consumer Issues
Topic: career guidance, new to US, husband is radiology resident
Replies: 23
Views: 3253

Re: Your opinion about diversifying a 100% muni-bond portfol

The state income tax deduction is huge in CA, NY, etc., but it's just too much credit risk to go above that, IMO. Help me understand - If the single state muni fund is reasonably diversified, does that not significantly reduce the risks? The risk will still be greater than a national muni fund. How...
by Copernicus
Mon Oct 07, 2013 3:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Your opinion about diversifying a 100% muni-bond portfolio?
Replies: 29
Views: 1733

Lump sum - fixed income options

I will be getting a lump sum this week, a portion will go into tax-advantaged and the rest in taxable account. I plan to maintain my original asset allocation for the total portfolio. State: California Taxes: High bracket because of lump sum Emergency funds have been set aside. All accounts in Schwa...
by Copernicus
Sun Oct 06, 2013 2:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lump sum - fixed income options
Replies: 0
Views: 255

Re: Music Career - More savvy approaches?

EyeYield, Thank you for a very insightful reply! We appreciate the interest and effort to write a detailed reply! My son probably is not able to connect with many people with real-life experience in the field. Therefore, your comments are very useful. He said that he has bought and read the two book...
by Copernicus
Fri Oct 04, 2013 11:31 pm
 
Forum: Personal Consumer Issues
Topic: Music Career - More savvy approaches?
Replies: 12
Views: 1318

Re: TIPS vs Municipal vs. GNMA vs. TBM for top tax bracket

Thank you for the suggestions! I will look those up!
by Copernicus
Fri Oct 04, 2013 11:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIPS vs Municipal vs. GNMA vs. TBM for top tax bracket
Replies: 15
Views: 1467

Re: TIPS vs Municipal vs. GNMA vs. TBM for top tax bracket

Investo: Assuming you have no room in your tax-advantaged accounts for bonds, in a 39.6% tax bracket you should almost certainly use tax-exempt bonds in your taxable account. A few comments: * It would be nice to have safe state and Chicago municipal bonds, but bonds are primarily for safety and I ...
by Copernicus
Fri Oct 04, 2013 3:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIPS vs Municipal vs. GNMA vs. TBM for top tax bracket
Replies: 15
Views: 1467

Re: Music Career - More savvy approaches?

"Working hard to make a career in music" That's a pretty broad statement as there are many careers to be had in the music industry. If I knew what his specific goals were and what skill sets he already possesses, I might be able to offer some advice. Thank you! Your effort to give guidanc...
by Copernicus
Wed Oct 02, 2013 11:27 pm
 
Forum: Personal Consumer Issues
Topic: Music Career - More savvy approaches?
Replies: 12
Views: 1318

Re: How to unwind a profitable position and rebalance?

[quote="grabiner"]Wiki article link: Paying a tax cost to switch funds Wiki article link: Placing cash needs in a tax-advantaged account Thank you! Wiki is an amazing source! However, I read these posts and find out another important article from the Wiki that I did not think of looking up...
by Copernicus
Tue Oct 01, 2013 11:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to unwind a profitable position and rebalance?
Replies: 14
Views: 1262

Re: Music Career - More savvy approaches?

Scouter:

Thank you for the reply. I am accumulating feedback from different sources. It is very useful to know the views of the people in the music business.

Regards!
by Copernicus
Tue Oct 01, 2013 5:44 pm
 
Forum: Personal Consumer Issues
Topic: Music Career - More savvy approaches?
Replies: 12
Views: 1318

Music Career - More savvy approaches?

I am at a loss about what advice to give my son, who is working hard to make a career in music. I think there must be more savvy ways to deal with challenges of making a career in music. Based on your own experiences or new ideas, I would welcome any advice you might have for us (parents) of a music...
by Copernicus
Mon Sep 30, 2013 1:22 pm
 
Forum: Personal Consumer Issues
Topic: Music Career - More savvy approaches?
Replies: 12
Views: 1318

Re: Dog has difficulty [with medical condition]

I am the OP. Thank you all for the helpful, encouraging, and realistic comments. When writing the OP, I had some hope that, who knows, there might be some technique or product that alleviates the problem. This is our first dog. We do not have friends and relatives who have had to make such observati...
by Copernicus
Sun Sep 29, 2013 1:24 pm
 
Forum: Personal Consumer Issues
Topic: Dog has difficulty [with medical condition]
Replies: 35
Views: 1979

Dog has difficulty [with medical condition]

Background: I have an 15-year old mutt, rescued, with short legs like a dachshund. He has arthritis all over and especially in legs. He walks slowly. He limps only just before and during rainstorms. All this is manageable with proper patience and assistance. Problem: Lately, he finds it hard to lift...
by Copernicus
Sat Sep 28, 2013 6:12 pm
 
Forum: Personal Consumer Issues
Topic: Dog has difficulty [with medical condition]
Replies: 35
Views: 1979

Re: Economical car buy

I would gift her an additional $7-10K, if you can afford to do so, and buy her a car that should last her another decade. I concur. Considering her needs, safety rating of the car may be more important than gas mileage. It seems better to look for her safety than making the most economical decision.
by Copernicus
Fri Sep 27, 2013 11:23 pm
 
Forum: Personal Consumer Issues
Topic: Economical car buy
Replies: 8
Views: 1006

Re: Dog can't walk on hardwood floors

To everyone, Thank you for your responses! The suggestion of putting rugs/ runners for him to walk on makes complete sense. Its doable since I have a small, 2000 sq ft home! The idea of the nail rings and sticky pads are also very good. I did not know of those products. I will save that info. About ...
by Copernicus
Fri Sep 27, 2013 11:11 pm
 
Forum: Personal Consumer Issues
Topic: Dog can't walk on hardwood floors
Replies: 22
Views: 3953

Dog can't walk on hardwood floors

I have an 15-year old mutt, rescued, with short legs like a dachshund. We changed over from carpets to hardwood floors. He slips on the floor, and can not walk when he is tired or when arthritis flares up. Even then, he does fine on the deck or backyard. Vet says this happens on hardwood floors. Tri...
by Copernicus
Fri Sep 27, 2013 8:06 pm
 
Forum: Personal Consumer Issues
Topic: Dog can't walk on hardwood floors
Replies: 22
Views: 3953

Re: career in music?

I've worked in the music business all my life, in one form or another. The last twenty years I've been a music editor and part time composer in the tv and film industry. Since your niece expresses an interest in film music, allow me to speak to that and quote Hans Zimmer from another forum I'm a me...
by Copernicus
Fri Sep 27, 2013 3:13 pm
 
Forum: Personal Consumer Issues
Topic: career in music?
Replies: 45
Views: 2833

Re: Tax (2013) planning

Sidney wrote:I would take a look at this

viewtopic.php?f=2&t=123579&newpost=1810434

Trying to emulate the various interactions of tax rules with a spreadsheet is risky.


Thank you all!
I will check tax spftware. Thank you especially the link to Tax-Caster!
by Copernicus
Wed Sep 25, 2013 2:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax (2013) planning
Replies: 5
Views: 933
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