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Re: Loan Terms -- Helping a friend going through Divorce?

Thanks for reporting in - and glad you are not "off". We will be sure to tune into the next episode :happy .

Dale
by Dale_G
Sat Mar 28, 2015 12:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Loan Terms -- Helping a friend going through Divorce?
Replies: 38
Views: 3136

Re: Son graduating college-what to do?

I favor a one time "gift" or "graduation present" whatever you choose to call it. My number might be $5,000, but you can make up your own number. The virtue of giving a gift rather than paying expenses is that it forces encourages the son to learn how to allocate the funds. Yeah,...
by Dale_G
Sat Mar 28, 2015 12:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Son graduating college-what to do?
Replies: 37
Views: 2736

Re: Buying a house to save on taxes?

Buying a house is entirely reasonable. Given your income level the "cost" is either "peanuts" or "pin money" depending on how old you are. But, I would put tax savings at about #14 on the list of considerations in deciding whether to rent or to buy. I rented for 1 year ...
by Dale_G
Fri Mar 27, 2015 11:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying a house to save on taxes?
Replies: 14
Views: 1304

Re: Help convince me to transfer a Met-life VA

... a.) Life Annuity with 10 years of payments guaranteed: $3.97 b.) Life Annuity with 10 years of payments guaranteed (assuming account value is fully withdrawn): $5.00 (how does an account that's fully withdrawn get more?) c.) Joint and Survivor Annuity with 10 years of payments guaranteed: $3.39...
by Dale_G
Fri Mar 27, 2015 10:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help convince me to transfer a Met-life VA
Replies: 20
Views: 959

Re: A Vanguard transfer issue... Thoughts?

Another reason not to ever buy a non-traded REIT. I am sorry that you were misinformed, but I don't think it rises to a level that is actionable. Figure out what the fees will be at Ameriprise and how much of a haircut you will take by selling the non-traded REIT. Do whatever is less expensive. And ...
by Dale_G
Thu Mar 26, 2015 4:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: A Vanguard transfer issue... Thoughts?
Replies: 12
Views: 948

Re: "Looming Crisis" in Corporate Bond Fund Liquidity

There is no doubt that mutual funds can redeem "in kind". However I am quite sure that the redemption would be done at whatever the fair market value of the bond is deemed to be at the close of the market on the day of redemption. I worry a lot more about cucumber beetles and the fate of t...
by Dale_G
Thu Mar 26, 2015 12:35 am
 
Forum: Investing - Theory, News & General
Topic: "Looming Crisis" in Corporate Bond Fund Liquidity
Replies: 16
Views: 2576

Re: U.S. cash pouring into international

I'm glad to see it for a change. I haven't changed my international allocation but I have been "pouring" money into International via rebalancing for nearly 4 years. Of course this could just be a little blip, if so I will continue to rebalance as required to maintain my international allo...
by Dale_G
Wed Mar 25, 2015 1:47 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. cash pouring into international
Replies: 23
Views: 2408

Re: International stock dividend cut. Why?

It looks like most of the international dividends were less than half of what was paid in March of last year. For fun, I usually try to predict the quarterly dividends for all of my funds based on the previous year and the "trend". This March I failed miserably with the international predi...
by Dale_G
Tue Mar 24, 2015 11:38 pm
 
Forum: Investing - Theory, News & General
Topic: International stock "dividend variability" Why?
Replies: 37
Views: 2932

Re: "Looming Crisis" in Corporate Bond Fund Liquidity

My signature is: Volatility is my friend I sell liquidity if I can get a good enough price for it. Volatility is good for long term investors who can reinvest dividends or rebalance into the temporarily(?) illiquid securities. It is not so great for decumulators spending down their assets. Fortunate...
by Dale_G
Tue Mar 24, 2015 6:27 pm
 
Forum: Investing - Theory, News & General
Topic: "Looming Crisis" in Corporate Bond Fund Liquidity
Replies: 16
Views: 2576

Re: Retirement income/disbursements question

My thought is to basically continue investing as above, and when I get to retirement, come up with an amount wanted/needed (say 100k a year), subtract SS, FERS pension, Wife's pension, and start pulling out the remainder from investments, and increase it year to year to cover inflation and expenses...
by Dale_G
Tue Mar 24, 2015 5:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement income/disbursements question
Replies: 3
Views: 472

Re: Portfolio help please

Thanks again Dale. Unfortunately, I am locked in to a small selection of funds since this is through work (no options to take this to Fidelity or Vanguard). What are some red flags about this fund if you don't mind me asking? The fund is not a disaster, but the underlying funds are those that someo...
by Dale_G
Mon Mar 23, 2015 11:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio help please
Replies: 8
Views: 796

Re: Portfolio help please

Sorry about that, but it would not be my favorite Target Retirement fund :)

Dale
by Dale_G
Mon Mar 23, 2015 9:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio help please
Replies: 8
Views: 796

Re: Tax Differed Variable Annuity

With annuities you change long term capital gains into income rates. You can't tax loss harvest. You don't get a step up basis at death. Those are additional facts. They still have higher fees then taxable although some are more reasonable than others. Best use is IF you want to purchase a very tax...
by Dale_G
Mon Mar 23, 2015 9:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Differed Variable Annuity
Replies: 16
Views: 1130

Re: Portfolio help please

Total Stock Market and Total International are the premier choices for a taxable fund. You might find a municipal bond fund is a good place to store some of your emergency fund. Why on earth do you use 18 funds in your 401k? I am sure you don't prescribe 18 different medications for your average pat...
by Dale_G
Mon Mar 23, 2015 8:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio help please
Replies: 8
Views: 796

Re: Company Savings plan-was Riffed, Now what

You may want to look at the expense ratio of the fund on your 401k website. It is possible that the 401k provider tacks on an additional fee to the expense ratio. The $80 may be a small part of your actual fee. The expense ratio for the Vanguard Target Retirement funds vary from 0.16% to 0.18%. If y...
by Dale_G
Mon Mar 23, 2015 5:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Company Savings plan-was Riffed, Now what
Replies: 14
Views: 1915

Re: 1st Taxable Account with Vanguard. Investing Strategy.

The expense ratios for the 401k funds are terrible. What is the quoted interest rate on the Putnam Stable Value fund. The interest rate stated will be after expenses. What is the relative size of the 401k compared to the sum of your IRAs and the money destined for the taxable account? What is the co...
by Dale_G
Mon Mar 23, 2015 12:26 am
 
Forum: Investing - Help with Personal Investments
Topic: 1st Taxable Account with Vanguard. Investing Strategy.
Replies: 19
Views: 2257

Re: FA needs investment advice

MN, I seen many of your thoughtful posts and always assumed that you were an FA. You are not alone though with variable income as markets and the economy wax and wane. Farmers, fishermen, independent truckers and all manner of consultants are likely to see the same variability. But how to reduce you...
by Dale_G
Sun Mar 22, 2015 11:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: FA needs investment advice
Replies: 25
Views: 2305

Re: Timing for taking RMDs

I think it is a matter of personal preference. In general, the theory is that the longer money is in tax deferred accounts the better. That is why people are encouraged to make IRA contributions at the beginning of the year rather than wait until April 15th of the following tax year. In the long run...
by Dale_G
Sat Mar 21, 2015 12:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Timing for taking RMDs
Replies: 18
Views: 1668

Re: which funds to keep - moving from EJ to Vanguard

This is a traditional IRA, so there are no tax costs associated with selling the EJ funds. The only question is whether the costs to sell them at EJ is greater than the cost to sell them once they are at Vanguard. What are the names of the funds in question? EJ could have closed them for a number of...
by Dale_G
Fri Mar 20, 2015 11:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: which funds to keep - moving from EJ to Vanguard
Replies: 13
Views: 877

Re: breaking down VXUS

jimishooch wrote: ...pretty darn close. if indeed these are the index funds inside VXUS (thru morningstar X-ray) = 71% VEU,10% VSS and 19% VWO...


Just a clarification. VXUX if not a "fund of funds", it does not own VEU, VSS or VWO.

Dale
by Dale_G
Fri Mar 20, 2015 10:16 pm
 
Forum: Investing - Theory, News & General
Topic: breaking down VXUS [Vanguard Total Int'l Stock Index]
Replies: 13
Views: 1317

Re: MetLife Annuity

My mother recently inherited a MetLife Annuity that is paying 5-6% interest. She has the option of either keeping it as is or taking a lump sum. I have heard some members on this board suggest MetLife may not be so secure. She really would prefer the higher interest rate, but she does not want to l...
by Dale_G
Thu Mar 19, 2015 12:31 am
 
Forum: Investing - Help with Personal Investments
Topic: MetLife Annuity
Replies: 9
Views: 1044

Re: Moving Money Between Vanguard Accounts

Do you have a brokerage account at Vanguard - or only a mutual fund account? I am not sure why you want to sell index mutual funds to buy ETFs. Have you looked into the taxes you may owe by selling the mutual funds. But if you are determined to do this, your best course would be to call Vanguard and...
by Dale_G
Wed Mar 18, 2015 6:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving Money Between Vanguard Accounts
Replies: 4
Views: 788

Re: Help needed with Edward Jones and 401/403 accounts

Hi Monica - and welcome to the Bogleheads. I am a ex-buckeye who fled to the sunny south :D You have a lot of accounts, with a lot of moving parts. The good thing is that you have your thinking cap on and are ready to address the issues. I'll only deal with a few of them. ... snip ...Edward Jones: ...
by Dale_G
Wed Mar 18, 2015 1:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Help needed with Edward Jones and 401/403 accounts
Replies: 20
Views: 1505

Re: 15 yr cd, would you?

Not quite the same as a CD, but the wife and I have fixed term annuities at 4% that have 8 and 21 years to run respectively. Because the monthly payments consist of a fixed ratio of interest and return of capital, the durations are 6.6 and 14.2 years. I won't like it if inflation rears its ugly head...
by Dale_G
Tue Mar 17, 2015 11:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: 15 yr cd, would you?
Replies: 17
Views: 2030

Re: Newbie knows nothing, feedback appreciated.

This education business probably seems daunting Sonomasmiles. It does take time, and maybe you don't feel comfortable doing everything yourself in the near future. I suggest you take a look at Vanguard's Personal Advisor Services (PAS). The web page is here: https://investor.vanguard.com/financial-a...
by Dale_G
Tue Mar 17, 2015 9:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie knows nothing, feedback appreciated.
Replies: 21
Views: 1550

Re: Newbie knows nothing, feedback appreciated.

... snip ... My husband set me up with a Broker who talks Greek to me, have read books, taken classes, still feel so stupid, for all I know my money is investing in marshmelllows. ... There is no reason to feel stupid, your broker speaks Greek to you on purpose and he has you in a whole bunch of ma...
by Dale_G
Tue Mar 17, 2015 5:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie knows nothing, feedback appreciated.
Replies: 21
Views: 1550

Re: 60 Minutes, Dead or Alive

And if you plant grandma and grandpa somewhere on the back forty near the creek they loved so much, there won't be any funeral director's report to SS. :annoyed
by Dale_G
Mon Mar 16, 2015 10:46 pm
 
Forum: Personal Consumer Issues
Topic: 60 Minutes, Dead or Alive
Replies: 15
Views: 3358

Re: Bad Bond Behavior

... snip ...If the Fed raised interest rates .25% ... and the expectation of that is probably partially baked in already, you might see a drop or $ettling over a month or two equal to a couple to a few months of reinvested dividends. No one knows how the rest of the yield curve will change based on...
by Dale_G
Mon Mar 16, 2015 12:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Bad Bond Behavior
Replies: 36
Views: 2436

Re: keep advisor or do it myself

... snip ...You don't necessarily have to sell your DFA funds if you drop your advisor. While you wouldn't be able to contribute new money to those funds or transfer the funds to Vanguard , you could gradually reduce your position in the funds over time. The DFA funds can be transferred "in ki...
by Dale_G
Sun Mar 15, 2015 10:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: keep advisor or do it myself
Replies: 28
Views: 2185

Re: ?'s aoubt Vanguard's First Muni Bond Index & ETF Fund

The odds are good that the ETF will trade at a premium of about 0.5% for some time. The underlying municipal securities shares must be purchased by someone and there is a cost involved. The securities backing the Vanguard Investor and Admiral fund shares are purchased directly by Vanguard - and they...
by Dale_G
Sat Mar 14, 2015 3:42 pm
 
Forum: Investing - Theory, News & General
Topic: ?'s aoubt Vanguard's First Muni Bond Index & ETF Fund
Replies: 3
Views: 602

Re: Bad Bond Behavior

What was going on with bonds during between 1972 and 1981 that would cause a almost a 30% decline... and could we see that again? Those are inflation adjusted returns. Inflation is the enemy :x And yes, you could see that again. If real rates rise, that is good for investors in the long run. If nom...
by Dale_G
Fri Mar 13, 2015 4:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bad Bond Behavior
Replies: 36
Views: 2436

Re: Bad Bond Behavior

One "fear" is that if people begin to redeem in mass, the bond funds themselves might not be able to find buyers for the bonds they own quickly enough to cover the redemptions. This could lead to a cascade effect, where the funds might need to accept lower and lower prices just to find wi...
by Dale_G
Fri Mar 13, 2015 3:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bad Bond Behavior
Replies: 36
Views: 2436

Re: Bad Bond Behavior

When interest rates rise, I don't expect to see much "running for the hills", principally because there won't be many hills to run to. Money Markets will tend to follow rates up, but CDs will be sticky on the upside. That is to say, banks will be very slow to raise rates. I've owned Total ...
by Dale_G
Fri Mar 13, 2015 12:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bad Bond Behavior
Replies: 36
Views: 2436

Re: Ideas/Strategies to Invest in Taxable Account

PatrickJoseph, if you have an account at Vanguard, there is no fee to buy Vanguard funds or Vanguard ETFs. Just send your $20,000 per month to your Money Market account, and buy Total Stock Market, Total International and whatever amount of Muni bonds you need to maintain your desired asset allocati...
by Dale_G
Thu Mar 12, 2015 11:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ideas/Strategies to Invest in Taxable Account
Replies: 27
Views: 2487

Re: Dip? What Dip? Did you catch it?

The S&P500 has to be down another 260 points to get to my rebalancing point. A little 80 point dip - peak to trough is meaningless. I am not even sure that it rises to the level of "noise".

Dale
by Dale_G
Thu Mar 12, 2015 11:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dip? What Dip? Did you catch it?
Replies: 121
Views: 10463

Re: Help moving AA to 50/50 with tax deferred and new taxabl

Questions: 1. I only have one Bond Fund choice in my 401K so I would be putting a large sum the one fund to get my AA more to the 50/50 target. Is there any concerns with putting that much into the one Bond Fund? I would not be concerned at all. 2.I can also change both Roths to 100% bonds with Van...
by Dale_G
Thu Mar 12, 2015 10:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help moving AA to 50/50 with tax deferred and new taxable
Replies: 16
Views: 1278

Re: various views of the markets

It is truly amazing that the media in all forms of communication indicates that business is getting better and so will the stock market. Other media indicate that business statistics are phony and getting worse and the truth is being hidden from the public and that the stock market is do to collaps...
by Dale_G
Thu Mar 12, 2015 3:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: various views of the markets
Replies: 5
Views: 264

Re: How much house can we afford by Boglehead standards?

With your combined income, modest living style, and propensity to save, I think you can easily afford to buy a $250,000 home (which will be a rather nice one in Ohio).

Go for whatever works for you - and good luck.

Dale (ex-buckeye)
by Dale_G
Wed Mar 11, 2015 8:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much house can we afford by Boglehead standards?
Replies: 31
Views: 4540

Re: What are some common misconceptions found in this forum?

"I'll take my risk in equities"

The bond market is not efficient, therefor it doesn't know how to price high yield bonds.

Dale
by Dale_G
Wed Mar 11, 2015 5:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: What are some common misconceptions found in this forum?
Replies: 207
Views: 16648

Re: Credit Check to Rent an Apartment?

So, the renter has virtually no choices. Maybe your son can go camping instead. :(


The weekly rent motels generally don't do credit checks, but they have "friends" who help people move out if they don't pay for the next week.
by Dale_G
Wed Mar 11, 2015 4:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Check to Rent an Apartment?
Replies: 23
Views: 1519

Re: Credit Check to Rent an Apartment?

There is not much sense in blanking out the bank account number if the rent will be paid by check. Anyway, the credit check is now common practice. But the youngster might not have much credit history. Don't be surprised if mom and/or dad don't have to sign the lease and undergo their own credit che...
by Dale_G
Wed Mar 11, 2015 4:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Check to Rent an Apartment?
Replies: 23
Views: 1519

Re: 1099 Employee for 1+ Year?

It is not a matter of time. It is a matter of the relationship. From the IRS: The general rule is that an individual is an independent contractor if the payer has the right to control or direct only the result of the work and not what will be done and how it will be done. ... snip ... You are not an...
by Dale_G
Wed Mar 11, 2015 11:44 am
 
Forum: Investing - Help with Personal Investments
Topic: 1099 Employee for 1+ Year?
Replies: 10
Views: 768

Re: Help ESCAPE from FA; details provided

They must have changed policy. If you enter a DFA ticker into the search box at the upper right of Vanguard's main page, this is what comes up: DFA Emerging Markets Portfolio Institutional Class (DFEMX) This fund can be transferred to your Vanguard brokerage account but isn't available for purchase ...
by Dale_G
Wed Mar 11, 2015 10:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Help ESCAPE from FA; details provided
Replies: 17
Views: 1403

Re: Help ESCAPE from FA; details provided

Hi sl2, welcome to the forum. You need to be patient, it will take a while, but we will help you move to a better place. I only checked a few of your DFA funds, but each of them can be "moved in kind" to Vanguard, so you don't need to sell them. You can't buy more however. The ETFs can all...
by Dale_G
Tue Mar 10, 2015 11:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help ESCAPE from FA; details provided
Replies: 17
Views: 1403

Re: Would this margin interest be deductible?

Do you expect to use the private stock as collateral for the margin load?
by Dale_G
Tue Mar 10, 2015 12:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Would this margin interest be deductible?
Replies: 6
Views: 368

Re: From DIY to Advisor/Assistance - where is the tipping po

Hi Barefootgirl, I am familiar with your name, but I haven't looked at your older posts, so I don't really know where you are coming from. I have been a DIY guy for 50 years and I don't see anything magic in the "new" investment tools. I do see the value of Vanguard's PAS program for unsea...
by Dale_G
Mon Mar 09, 2015 11:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: From DIY to Advisor/Assistance - where is the tipping point?
Replies: 20
Views: 1503

Re: Goldman Sachs Strategic Income Fund Class A

If it weren't for the 3.75% load, I might put 1% of my portfolio into this fund. I mean, what other fund can you invest in that has 17.56% invested in the Cayman Islands? Actually, the fund has a great five year returns - only a few percent behind Barclays AGG (Total Bond Market) , but that is befor...
by Dale_G
Mon Mar 09, 2015 10:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Goldman Sachs Strategic Income Fund Class A
Replies: 4
Views: 366

Re: What's Wrong With This Portfolio ?

Your uncle is young pup of only 60, so he has a fairly long time horizon. I would not be concerned about the duration of the bonds in Wellington and Wellesley. The fund managers have been around long enough so that they also have a long term view.

Dale
by Dale_G
Mon Mar 09, 2015 10:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: What's Wrong With This Portfolio ?
Replies: 6
Views: 614

Re: UBS QGARP Help

.... Although I would like index, I have to be realistic that I do not have the time or knowledge currently to successfully index passively on my own and be diversified, etc. Anyone have knowledge about the UBS QGARP? Thoughts? Opinions? I have no knowledge of QGARP and have no interest in anything...
by Dale_G
Mon Mar 09, 2015 9:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: UBS QGARP Help
Replies: 3
Views: 184

Re: How to create a 3% return portfolio?

I think 3% is entirely reasonable for a 30/70 portfolio over the long haul. If equities provide a 5% return and bonds manage 2%, the portfolio will return 3.5%. Nominal returns of course.

Dale
by Dale_G
Mon Mar 09, 2015 1:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to create a 3% return portfolio?
Replies: 52
Views: 5475
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