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Re: Get 17% in russian savings account?

What's the real return on that 17% nominal rate?
by John3754
Mon Jan 26, 2015 6:58 pm
 
Forum: Investing - Theory, News & General
Topic: Get 17% in russian savings account?
Replies: 20
Views: 1656

Re: Drinking water

livesoft wrote:One could put tap water in jugs and put in the fridge. See what happens to the chlorine taste after a few days of cold storage?


Many municipalities treat their water with chloramine these days, which does not evaporate off like chlorine does.
by John3754
Sun Jan 25, 2015 2:08 pm
 
Forum: Personal Consumer Issues
Topic: Drinking water
Replies: 44
Views: 2419

Re: Short term taxable investment- Disadvantage to Muni fund

How much will it bother you if you need the money 7-8 months from now and you have less than you do today?
by John3754
Fri Jan 23, 2015 11:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Short term taxable investment- Disadvantage to Muni fund?
Replies: 9
Views: 503

Re: Need a good place to store my cash

Bonds are where you hold cash that you don't want to expose to equity risk.
by John3754
Wed Jan 21, 2015 6:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need a good place to store my cash
Replies: 20
Views: 1306

Re: Simplified UB&H has been underperforming the S&P500 - Wh

That fund is 38% foreign stocks and foreign stocks have underperformed domestic stocks over the past few years. That's why.
by John3754
Tue Jan 20, 2015 11:15 pm
 
Forum: Investing - Theory, News & General
Topic: Simplified UB&H has been underperforming the S&P500 - Why?
Replies: 6
Views: 666

Re: Bored when market is closed

How's that fool-proof roulette strategy of yours working out? Why not make some money that way while the market is closed?
by John3754
Tue Jan 20, 2015 1:34 pm
 
Forum: Investing - Theory, News & General
Topic: Bored when market is closed
Replies: 28
Views: 2088

Re: question about income funds

Capital gains due to falling interest rates.
by John3754
Sun Jan 18, 2015 1:45 pm
 
Forum: Investing - Theory, News & General
Topic: question about income funds
Replies: 4
Views: 516

Re: Why invest in International funds? It's a mystery

If only your 40 years of past data could tell me anything at all about what the next 40 years will look like. It all makes sense. The question I'm asking is whether we're simply trading off return when we invest internationally. 40 years of data seems to suggest we are. It's worth noting that int'l ...
by John3754
Sat Jan 17, 2015 12:18 pm
 
Forum: Investing - Theory, News & General
Topic: Why invest in International funds? It's a mystery
Replies: 121
Views: 10403

Re: Why invest in International funds? It's a mystery

I side with Jack and don't feel it is necessary. I never held it and I have been investing in my 401K for 20 years. On a side note John Bogle and Warren Buffett don't think it is necessary either. I think I'm in good company. And I agree. For the people that spout "past results do not predict ...
by John3754
Fri Jan 16, 2015 7:11 pm
 
Forum: Investing - Theory, News & General
Topic: Why invest in International funds? It's a mystery
Replies: 121
Views: 10403

Re: Why invest in International funds? It's a mystery

I side with Jack and don't feel it is necessary. I never held it and I have been investing in my 401K for 20 years. On a side note John Bogle and Warren Buffett don't think it is necessary either. I think I'm in good company. Two statements that are never logically valid arguments are: 1) Person A ...
by John3754
Fri Jan 16, 2015 6:22 pm
 
Forum: Investing - Theory, News & General
Topic: Why invest in International funds? It's a mystery
Replies: 121
Views: 10403

Re: Why invest in International funds? It's a mystery

It doesn't surprise me at all, given the recent outperformance of domestic stocks over international stocks, that we're having this conversation here on a weekly basis. I suspect that if the opposite were true and international had beaten domestic recently, that these threads wouldn't exist.
by John3754
Fri Jan 16, 2015 10:22 am
 
Forum: Investing - Theory, News & General
Topic: Why invest in International funds? It's a mystery
Replies: 121
Views: 10403

Re: Is Vanguard STAR appropriate for someone retired?

Not enough info to give a meaningful answer.
by John3754
Thu Jan 15, 2015 10:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is Vanguard STAR appropriate for someone retired?
Replies: 5
Views: 781

Re: 3%, 10-year CD bought today

tainted-meat wrote:The yield on VTIAX is 3.4%


Apples to oranges.
by John3754
Thu Jan 15, 2015 3:16 pm
 
Forum: Investing - Theory, News & General
Topic: 3%, 10-year CD bought today
Replies: 35
Views: 3380

Re: VFWAX, VTIAX AND TLH

shawcroft wrote:I'm considering a TLH from VTIAX into VFWAX. While not massive, the tax loss would be useful. Has anyone done that recently?
Shawcroft


Yes, many of us did this recently.
by John3754
Wed Jan 14, 2015 11:46 pm
 
Forum: Investing - Theory, News & General
Topic: VFWAX vs. VTIAX
Replies: 9
Views: 1561

Re: 3%, 10-year CD bought today

obgyn65 wrote:It's a brokered CD, yes.


Good luck to you, a lot can happen in a decade.
by John3754
Wed Jan 14, 2015 7:36 pm
 
Forum: Investing - Theory, News & General
Topic: 3%, 10-year CD bought today
Replies: 35
Views: 3380

Re: 3%, 10-year CD bought today

What is the early withdrawal penalty?
by John3754
Wed Jan 14, 2015 7:22 pm
 
Forum: Investing - Theory, News & General
Topic: 3%, 10-year CD bought today
Replies: 35
Views: 3380

Re: financial advisor

He responded by saying he does not work with no load funds...he explained it would be around $600.00 to get an analysis and he would likely suggest actively managed funds. If you want to hold low cost index funds, and he only works with actively managed load funds, then I don't see whats left to di...
by John3754
Wed Jan 14, 2015 4:27 pm
 
Forum: Investing - Theory, News & General
Topic: financial advisor
Replies: 12
Views: 1230

Re: When your spouse isn't quite as frugal as you

Sounds like you've already said your piece and made your position clear to him, so continuing forward with the discussion at this point would be nagging in my opinion.
by John3754
Wed Jan 14, 2015 12:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: When your spouse isn't quite as frugal as you
Replies: 94
Views: 8606

Re: Why not just let cash be cash?

Toons wrote:I know more than one individual that keeps 10-20k hidden in their house,,,,,why?,,,,,,"Just in case" they say. :shock:


Just in case of what?
by John3754
Mon Jan 12, 2015 6:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why not just let cash be cash?
Replies: 27
Views: 2509

Re: Why not just let cash be cash?

If my expenses and debts are covered then why would I want to hold a large allocation of cash that is losing value to inflation, rather than have it working for me and gaining value?
by John3754
Mon Jan 12, 2015 6:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why not just let cash be cash?
Replies: 27
Views: 2509

Re: How much in I bonds do you own?

I'm not sure I see the value of knowing absoute numbers without knowing what they mean relative to the individual's net worth. If someone has $20k in I bonds doesn't it mean something different if their net worth is $50k vs $500k?
by John3754
Mon Jan 12, 2015 11:32 am
 
Forum: Investing - Theory, News & General
Topic: How much in I bonds do you own?
Replies: 29
Views: 3101

Re: 2000-2014

Now if only you could tell me anything at all about the next 15 years...
by John3754
Thu Jan 08, 2015 7:05 pm
 
Forum: Investing - Theory, News & General
Topic: 2000-2014 [15 year returns]
Replies: 26
Views: 4107

Re: Rick Ferri looking to internationalize his portfolio

TheTimeLord wrote:I don't know about the 2nd half of the decide but recently went from 60/40 to 70/30 domestic/international. So I guess I am the guy on the other side of the trades. I may end up 75/25 plus to be even more domestic increased Small Caps.


And your reason for doing this was....?
by John3754
Wed Jan 07, 2015 7:54 pm
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 224
Views: 24722

Re: Should I be slightly worried (401k bond choices)

TN_Boy wrote:
John3754 wrote:My 401k has no decent bond choices, so I simply buy my bonds elsewhere.


But, my stock choices are weak also.....


You said you have an S&P500 index fund, nothing wrong with that.
by John3754
Sun Jan 04, 2015 3:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I be slightly worried (401k bond choices)
Replies: 19
Views: 949

Re: Should I be slightly worried (401k bond choices)

My 401k has no decent bond choices, so I simply buy my bonds elsewhere.
by John3754
Sun Jan 04, 2015 2:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I be slightly worried (401k bond choices)
Replies: 19
Views: 949

Re: what to do with actively managed funds in taxable accoun

Do you have any losses that you could harvest to offset the gains?
by John3754
Sun Jan 04, 2015 2:54 am
 
Forum: Investing - Help with Personal Investments
Topic: what to do with actively managed funds in taxable accounts
Replies: 5
Views: 1016

Re: Why not just follow John Bogle

If you tilt, market time, or use active management, you're not a true Bogle follower. Bogle uses a corporate bond fund, the dreaded tilt. Bogle drastically reduced his stock allocation in response to high valuations in the 90s, the dreaded market timing. Bogle uses the Wellington fund, the dreaded ...
by John3754
Sat Jan 03, 2015 6:31 pm
 
Forum: Investing - Theory, News & General
Topic: Why not just follow John Bogle
Replies: 78
Views: 5905

Re: bucket #1 investing for short term

Short term bonds and/or CD ladder.
by John3754
Thu Jan 01, 2015 5:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: bucket #1 investing for short term
Replies: 10
Views: 934

Re: Stacked up some more silver bullion today

I am going to take some guesses at the answers you are going to get. At one point I believe Silver had a run from like $5 to near $50. Let that soak in. Yup, and then it had a run from $50 to $15. I a going to guess he might use the next step up in security which is renting a private safe. Sounds e...
by John3754
Thu Jan 01, 2015 3:10 pm
 
Forum: Investing - Theory, News & General
Topic: Stacked up some more silver bullion today
Replies: 86
Views: 11013

Re: Stacked up some more silver bullion today

I don't consider silver an investment and so isn't apart of my portfolio. What I do is always make a point to keep 5% of my whole net worth in Silver, no more no less. This has worked out quite well for me, even before I became a stock and bond investor. Three questions: 1) Why? What is the rationa...
by John3754
Thu Jan 01, 2015 2:19 pm
 
Forum: Investing - Theory, News & General
Topic: Stacked up some more silver bullion today
Replies: 86
Views: 11013

Re: Boglehead Recommended Vanguard Fund doing Poorly

Whenever I see a post like this, I go over to Vanguard's site and look at the ten year behavior. I'd look further back, but they don't graph that. I compare them to Wellesley. Now your two have not done quite as well as Wellesley over ten years, but they are doing well, and there may be tax implica...
by John3754
Thu Jan 01, 2015 11:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Boglehead Recommended Vanguard Fund doing Poorly
Replies: 32
Views: 5683

Re: Vanguard REITS

livesoft wrote:What restriction are you writing about? To my knowledge there is no restriction on buying shares back after you have sold them for a gain. You can buy them back 1 second later if you are fast enough. :)


How about Vanguard's frequent trading policy?
by John3754
Thu Jan 01, 2015 10:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard REITS
Replies: 4
Views: 603

Re: Airlines: Could 2015 be another great year?

My thought is that there is uncompensated risk in speculating on individual stocks. What do you know that the rest of the market doesn't?
by John3754
Wed Dec 31, 2014 10:56 am
 
Forum: Investing - Theory, News & General
Topic: Airlines: Could 2015 be another great year?
Replies: 16
Views: 2474

Re: Tax Loss Harvesting- But Not Buying Back Immediately?

And what happens if you're wrong and the market does go up significantly while you're sitting on the sidelines?
by John3754
Tue Dec 30, 2014 1:07 pm
 
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting- But Not Buying Back Immediately?
Replies: 31
Views: 2211

Re: Do you usually order beverage at restaurants?

Usually yes, depending on the occasion and my mood it'll typically either be hot tea, unsweetened iced tea, beer, sake, or wine.
by John3754
Sun Dec 28, 2014 10:28 am
 
Forum: Personal Consumer Issues
Topic: Do you usually order (not-free) beverage at restaurants?
Replies: 89
Views: 7630

Re: Goodish frozen supermarket chicken nuggets?

The reason that store bought chicken nuggets don't taste as good as fast food chain chicken nuggets is because the fast food ones have an absolutely incredible amount of fat and salt in them.
by John3754
Sun Dec 28, 2014 9:47 am
 
Forum: Personal Consumer Issues
Topic: Goodish frozen supermarket chicken nuggets?
Replies: 23
Views: 1978

Re: Poll: How important is rebalancing?

Not so much between 60/40 and 50/50 and ZERO difference between 59/41 and 60/40. There absolutely are "good enough" solutions for those who aren't OCD. Well, by definition there is not "ZERO difference between 59/41 and 60/40", but there's certainly no significant difference. :w...
by John3754
Mon Dec 22, 2014 1:46 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: How important is rebalancing?
Replies: 51
Views: 5630

Re: Poll: How important is rebalancing?

The point of rebalancing is to maintain your chosen risk level, given that you hold 100% equities, rebalancing would probably not be as important for you as for someone who holds a portfolio of both equities and fixed income.
by John3754
Mon Dec 22, 2014 12:08 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: How important is rebalancing?
Replies: 51
Views: 5630

Re: re: backdoor roth conversion

It doesn't matter what time of year you do it.
by John3754
Mon Dec 22, 2014 12:04 pm
 
Forum: Investing - Theory, News & General
Topic: re: backdoor roth conversion
Replies: 2
Views: 493

Re: Who should pay for this meal?

When the check comes simply offer to split the bill.
by John3754
Sun Dec 21, 2014 3:16 pm
 
Forum: Personal Consumer Issues
Topic: Who should pay for this meal?
Replies: 79
Views: 7915

Re: Active or Not, I Love Wellington

Well it is another great year for Wellington (up 8.98% YTD ER 0.18% Admiral). To me this fund continues to demonstrate active management with low fees can work. Seriously is there any legit reason to avoid this fund with its very long history of success? Dividends and capital gains distributions if...
by John3754
Sat Dec 20, 2014 1:09 pm
 
Forum: Investing - Theory, News & General
Topic: Active or Not, I Love Wellington
Replies: 82
Views: 9219

Re: Performed backdoor Roth and accountant did not file 8606

Did you have any TIRAs w/ deductible contributions at the end of last year? If you didn't and you did a "real" backdoor Roth conversion and didn't take a deduction for the non-deductible TIRA contribution, it sounds like your taxes are ok in amount but a bit sketchy in details so you migh...
by John3754
Wed Dec 17, 2014 10:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Performed backdoor Roth and accountant did not file 8606
Replies: 52
Views: 4292

Re: Performed backdoor Roth and accountant did not file 8606

The accountant says the form was not filed and that it is not required. He says the contribution was characterized as a rollover on my return and that should be fine. The amount that was "backdoored" was listed on line 16a. What do I need to do to fix this? What are the consequences here?
by John3754
Wed Dec 17, 2014 9:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Performed backdoor Roth and accountant did not file 8606
Replies: 52
Views: 4292

Re: Performed backdoor Roth and accountant did not file 8606

When you say last year, do you mean your traditional IRA contribution for tax year 2013? When was this contribution made (in calendar 2013 or in calendar 2014)? When was the conversion done? In early 2013 I made a traditional IRA contribution and as soon as the funds cleared I converted it to Roth....
by John3754
Sun Dec 14, 2014 9:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Performed backdoor Roth and accountant did not file 8606
Replies: 52
Views: 4292

Performed backdoor Roth and accountant did not file 8606

Last year I made a backdoor Roth IRA contribution (conversion was done immediately and there were no gains) and I do not believe that my accountant filed form 8606. Is this a problem? Are there any consequences? Is there any action I need to take?
by John3754
Sun Dec 14, 2014 8:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Performed backdoor Roth and accountant did not file 8606
Replies: 52
Views: 4292

Does AMT affect using harvested loss against regular income?

I'm subject to the AMT, does this have any effect on my ability to write harvested losses from my taxable account off against $3k of regular income for the year?
by John3754
Sun Dec 14, 2014 7:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does AMT affect using harvested loss against regular income?
Replies: 1
Views: 253

Re: do people still steal portable GPSs from cars?

People will steal anything that they can walk away with, I've seen cars broken into for pocket change.
by John3754
Sun Dec 14, 2014 11:51 am
 
Forum: Personal Consumer Issues
Topic: do people still steal portable GPSs from cars?
Replies: 13
Views: 1963
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