Search found 187 matches

Return to advanced search

Re: Switching Banks

Thanks for the replies. Interesting about the recommendation to have more than one credit card. My credit rating is very good so I'm not trying to build it up and I prefer the simplicity of a single credit card, but I thought I had read somewhere that opening up additional credit cards was a negativ...
by Middle
Thu Apr 17, 2014 12:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Switching Banks
Replies: 13
Views: 849

Switching Banks

I have had a BofA checking account since 1992 without any troubles at all. I try to manage my accounts there such that I pay no fees but that has required keeping some cash there which currently pays nothing. I am considering switching to a local credit union that pays 2.25% interest on balances up ...
by Middle
Wed Apr 16, 2014 8:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Switching Banks
Replies: 13
Views: 849

Re: Pay Off Mortgage? Better Advice?

There are many ways to look at the dilemma of paying off a mortgage or investing in terms of concrete numbers. Search around this forum and you'll probably find a few threads. Here are the reasons why if I were you, I wouldn't make extra payments on mortgage: 1. It's a less liquid asset. 2. Your cur...
by Middle
Thu Apr 03, 2014 8:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay Off Mortgage? Better Advice?
Replies: 11
Views: 1150

Re: My "Motley Fool" Interview

Everyone seemed to have liked the interview, but perhaps you have deleted it? The link doesn't link to the interview or did I miss something?
by Middle
Wed Mar 26, 2014 7:08 pm
 
Forum: Investing - Theory, News & General
Topic: My "Motley Fool" Interview
Replies: 8
Views: 1864

Cash in Roth

I need some clarification on best location of different assets. It's probably not the best idea to keep much cash in a Roth account, right? I'm thinking in terms of someone who still has 15 years to retirement, you want to give that Roth the opportunity to grow with assets that have a higher expecte...
by Middle
Wed Mar 26, 2014 1:02 pm
 
Forum: Investing - Theory, News & General
Topic: Cash in Roth
Replies: 12
Views: 1571

Re: Statement of the Retirement Funding Problem

I'd agree the cases in which it would be optimal to fork everything over seem limited. However, realize that by creating an appropriate floor with partial annuitization allows one to get higher return in the remaining portfolio by taking a higher equity share. Dollar per dollar an annuity for someo...
by Middle
Tue Mar 25, 2014 7:04 pm
 
Forum: Investing - Theory, News & General
Topic: Statement of the Retirement Funding Problem
Replies: 89
Views: 5668

Re: Statement of the Retirement Funding Problem

@Middle - You'll want to read up a bit more on annuities and what mortality credits are. SPIAs are really a longevity insurance policy and their return and utility to the individual comes from pooled longevity risk. If you think SPIAs are "betting against a corporation" then cancel all yo...
by Middle
Tue Mar 25, 2014 3:46 pm
 
Forum: Investing - Theory, News & General
Topic: Statement of the Retirement Funding Problem
Replies: 89
Views: 5668

Re: Statement of the Retirement Funding Problem

I have a couple of thoughts on this. For one, it is my understanding that this idea that all our parents had a defined benefit plan pension is a little misleading. I wish I could recall exactly, but I read somewhere that at its peak, something like 34% of American workers had a defined pension. And ...
by Middle
Tue Mar 25, 2014 1:15 pm
 
Forum: Investing - Theory, News & General
Topic: Statement of the Retirement Funding Problem
Replies: 89
Views: 5668

Re: Understanding the LT Cap Gains Tax

Oh ok, sorry I don't have the tax return in front of me, but so the loss carryover actually does count even though LTCP are taxed at 0%.

Then that makes perfect sense. Thanks!

Edit: Now I have looked at my own return and see where it all falls in.
by Middle
Mon Mar 24, 2014 1:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Understanding the LT Cap Gains Tax
Replies: 11
Views: 663

Re: Understanding the LT Cap Gains Tax

But whether or not my hypothetical gain exceeds the loss carryover it shouldn't matter, right? Because even though it is added to the income line, it is later taken out in the tax worksheet because of being in the 15% bracket (as noted by earlyout above).
by Middle
Mon Mar 24, 2014 12:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Understanding the LT Cap Gains Tax
Replies: 11
Views: 663

Understanding the LT Cap Gains Tax

Here's what I understand:For someone in the 15% Fed tax bracket it means they pay 0 long term cap gains tax provided that the cap gains don't push them over the ceiling of the 15% tax rate. I recently experimented with this using Turbo tax, and with a return that had some carryover of losses, I stil...
by Middle
Thu Mar 20, 2014 12:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Understanding the LT Cap Gains Tax
Replies: 11
Views: 663

Re: interesting article on rebalancing using vanguard data

It might be worthwhile to check into a Vanguard study that was more thorough than this one by Arends and determined basically the differences in returns is not that great among the various rebalancing periods. The bottom line was "that for most broadly diversified stock and bond fund portfolios ...
by Middle
Tue Feb 18, 2014 1:21 pm
 
Forum: Investing - Theory, News & General
Topic: interesting article on rebalancing using vanguard data
Replies: 6
Views: 584

Watch Transfers or Double Trouble

Just happened to look into my VG account today and I'm glad I did. The cash balance was notably higher and after I dug a little deeper it turns out that a transfer to the Prime Money Market account went in twice. I'm pretty darn sure I only made the one transfer but it's possible that it's my error....
by Middle
Tue Feb 04, 2014 3:14 pm
 
Forum: Investing - Theory, News & General
Topic: Watch Transfers or Double Trouble
Replies: 2
Views: 352

Re: Bonds - Throw it all on the table!!!

1) Total Bond Fund Index, Short Term Inv Grade Index, Loomis Sayles Strategic Income, Pimco Total Return. 2) All held in Roth, tIRA, and 401k. 3) I actually don't know the breakdown but I listed them in roughly descending order of allocation. 4) Age-40%. More aggressive than most, but I haven't like...
by Middle
Thu Jan 30, 2014 8:08 pm
 
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 84
Views: 7445

Re: best financial podcasts for bogleheads?

I have downloaded Stitcher on my iphone to catch podcasts of This American Life, Radiolab, Freakonomics, and a couple of others. However, I have found that I just can't get into a podcast rhythm. I much prefer to read the blogoshpere.
by Middle
Tue Jan 28, 2014 12:51 pm
 
Forum: Investing - Theory, News & General
Topic: best financial podcasts for bogleheads?
Replies: 10
Views: 1117

Re: Is cash trash or king? Market timing

I think the pithy wall street sayings can only take you so far and once you dig deeper often don't work for your personal situation.
by Middle
Mon Jan 27, 2014 8:20 pm
 
Forum: Investing - Theory, News & General
Topic: Is cash trash or king? Market timing
Replies: 30
Views: 2429

The PenFed Craze

I don't know if its really a craze but my perception is that a lot of folks are excited about these PenFed 3% 5 yr CDs and have been piling in. Anyone know if PenFed has taken on too much or whether there is any reason to have concern over this and their subsequent obligations? They did extend the o...
by Middle
Tue Jan 21, 2014 4:51 pm
 
Forum: Investing - Theory, News & General
Topic: The PenFed Craze
Replies: 32
Views: 4722

Re: Rebalancing into Bonds

True enough midareff. My post is a little tongue in cheek, but also just an acknowledgement at how it can be hard to do. At least I think its a little hard.
by Middle
Mon Dec 23, 2013 6:37 pm
 
Forum: Investing - Theory, News & General
Topic: Rebalancing into Bonds
Replies: 6
Views: 624

Rebalancing into Bonds

I did some more rebalancing today. I'm doing this probably slower than I should, partly because its hard, partly because I wrestle with the Bonds picture between trying to think I can outguess the future and sticking to a simple plan, partly because my portfolio is up much more and it takes relative...
by Middle
Mon Dec 23, 2013 5:00 pm
 
Forum: Investing - Theory, News & General
Topic: Rebalancing into Bonds
Replies: 6
Views: 624

Re: Vanguard hauls in 98% of new money in 2013?

Noyo - I think the distinction there is that this article is only focused on mutual funds. So does not include ETFs.
by Middle
Thu Dec 19, 2013 7:41 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard hauls in 98% of new money in 2013?
Replies: 8
Views: 1831

Re: Vanguard hauls in 98% of new money in 2013?

JP Morgan had $10.4 billion of inflows and was only one of two with a net positive flow.
by Middle
Thu Dec 19, 2013 6:04 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard hauls in 98% of new money in 2013?
Replies: 8
Views: 1831

Re: Vanguard hauls in 98% of new money in 2013?

Point taken, but nonetheless, there are still a lot of mutual funds out there being funded through 401ks with limited options.
by Middle
Thu Dec 19, 2013 5:58 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard hauls in 98% of new money in 2013?
Replies: 8
Views: 1831

Vanguard hauls in 98% of new money in 2013?

I just read that 98% of U.S. equity fund inflows went to Vanguard in 2013. 98%? Could that be correct? That seems astounding to me. I mean, aren't there still a ton of 401ks that don't offer Vanguard funds? Or does this illustrate how many active managers are also using Vanguard funds ? I knew that ...
by Middle
Thu Dec 19, 2013 5:30 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard hauls in 98% of new money in 2013?
Replies: 8
Views: 1831

Re: When has Total Intl outperformed Total US?

Fair enough cb474. I was not suggesting that 70/30 is the gospel and I merely noted that the reason for my questions on International allocation stem from the very points that Rick starts his post with in terms of how over long term measures international indexes have lagged U.S. equity indexes. And...
by Middle
Thu Dec 05, 2013 5:17 pm
 
Forum: Investing - Theory, News & General
Topic: When has Total Intl outperformed Total US?
Replies: 17
Views: 3094

Re: Feedback Requested on Long-term Investing Strategy

Your 401k has terrific choices which may mean that you are getting hit with other administrative fees. I would just double check if nothing else just to know what fees you might be responsible for. With ERs that low, the provider is not making any money. Could be your employer is paying the provider...
by Middle
Tue Dec 03, 2013 5:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feedback Requested on Long-term Investing Strategy
Replies: 14
Views: 1042

Re: "Is a Roth IRA conversion on your year-end checklist?"

For me, it is not on my list. I did a big conversion in 1999 (or thereabouts) which I'm not even sure was a good choice for me, but it's done. So even though my tax deferred accounts have now outgrown the tax exempt, there is still a sizable portion that should provide me with a little flexibility i...
by Middle
Tue Dec 03, 2013 3:34 pm
 
Forum: Investing - Theory, News & General
Topic: "Is a Roth IRA conversion on your year-end checklist?"
Replies: 28
Views: 1840

Re: When has Total Intl outperformed Total US?

Even though I doubt that Rick Ferri has seen this post, he has a post on his blog today that sure seems to go right at what I am mulling here (http://www.rickferri.com/blog/investments/foreign-stocks-for-the-long-run/). It's a good read with a nice little study on risk adjusted returns that seem to ...
by Middle
Tue Dec 03, 2013 1:29 pm
 
Forum: Investing - Theory, News & General
Topic: When has Total Intl outperformed Total US?
Replies: 17
Views: 3094

Re: What are the consequences of Fed's tapering?

Tapering has little to do with inflation. If the Fed starts tapering it just signals they may soon follow with higher real interest rates to prevent inflation. The Fed can raise real rates as high as necessary to maintain their target of 2% inflation. Yes, although this is the message that the Fed ...
by Middle
Wed Nov 27, 2013 5:32 pm
 
Forum: Investing - Theory, News & General
Topic: What are the consequences of Fed's tapering?
Replies: 12
Views: 885

Re: What are the consequences of Fed's tapering?

I just read that the Fed's monthly purchases represent about 6% of the bond market, which while significant, is hardly dominant.
by Middle
Wed Nov 27, 2013 5:29 pm
 
Forum: Investing - Theory, News & General
Topic: What are the consequences of Fed's tapering?
Replies: 12
Views: 885

Re: When has Total Intl outperformed Total US?

Yes, sorry about the typo, I have fixed it in the OP.

And yes, of course the admiral fund is better, it was more of a general theory question.

My limited research of returns could not produce an international outperformance over 6m, 2yr, 5yr or 10yr.
by Middle
Wed Nov 27, 2013 5:25 pm
 
Forum: Investing - Theory, News & General
Topic: When has Total Intl outperformed Total US?
Replies: 17
Views: 3094

When has Total Intl outperformed Total US?

I am revisiting my AA and began wondering about the International portion. My basic question is, in a more globally connected world, does the International equities allocation still offer diversification? If the US equity market does poorly, won't global markets suffer as well? When has VGTSX outper...
by Middle
Wed Nov 27, 2013 3:17 pm
 
Forum: Investing - Theory, News & General
Topic: When has Total Intl outperformed Total US?
Replies: 17
Views: 3094

Re: Roth IRA vs Taxable Account

Gotcha, thank you! I think I'm starting to get all this figured out. So say I invested $10,000 in a taxable account. I received $500 in dividends (reinvested) and it gained $1,000 in year one by share price. I pay taxes on the dividends, $500, at the end of the year and it's added to my basis. So t...
by Middle
Wed Sep 11, 2013 1:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA vs Taxable Account
Replies: 20
Views: 1477

Re: Selling in Taxable to Invest in Tax Deferred

This is what you are missing: even though line 13 gets added to taxable income which end up on line 43. Line 13 then gets SUBTRACTED OUT again when calculating the tax using the schedule D worksheet. If you have any capital gains, you do NOT use the tax tables. You use the worksheet. Yes! Thank you...
by Middle
Tue Sep 10, 2013 8:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Selling in Taxable to Invest in Tax Deferred
Replies: 19
Views: 1087

Re: Selling in Taxable to Invest in Tax Deferred

Hmmm, I must be missing something here because when I look at my return I see that capital gains are included on line 13 as part of income to determine AGI which becomes the basis for your taxable income after the deductions are made. So my understanding is that if the taxable income exceeds that $7...
by Middle
Tue Sep 10, 2013 7:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Selling in Taxable to Invest in Tax Deferred
Replies: 19
Views: 1087

Re: Selling in Taxable to Invest in Tax Deferred

The better deal is: sell appreciated shares to get zero % gains --> 401k or deductible IRA --> ability for more zero % gains due to having lowered your taxable income further below the top of the 15% bracket. :D But I'm just remembering that it's not really zero % gains in that the LTCG are still f...
by Middle
Tue Sep 10, 2013 6:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Selling in Taxable to Invest in Tax Deferred
Replies: 19
Views: 1087

Re: Selling in Taxable to Invest in Tax Deferred

I stand corrected. I do qualify for the zero percent capital gains tax. I'm not sure how I got that confused. In which case, I would benefit by incurring a capital gains tax at zero percent and lowering my current taxable income amount, right? The only downside being the loss of access to that money.
by Middle
Tue Sep 10, 2013 3:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Selling in Taxable to Invest in Tax Deferred
Replies: 19
Views: 1087

Re: Selling in Taxable to Invest in Tax Deferred

I do not qualify for zero percent capital tax gains. I'm in the 15% bracket with an additional almost 10% state tax.

I seem to recall reading somewhere that there is a period of time (maybe before 70 1/2) where you can pay zero percent cap gains.
by Middle
Tue Sep 10, 2013 2:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Selling in Taxable to Invest in Tax Deferred
Replies: 19
Views: 1087

Selling in Taxable to Invest in Tax Deferred

I might be trying to draw a fine line here, but I really want to get the most edge I can. I'm 49 with investment goals of funding for retirement and assisting with college for my one daughter. I am maxing out my 401k contributions, contributing to 529, and the last 5 years I have been getting out of...
by Middle
Tue Sep 10, 2013 2:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Selling in Taxable to Invest in Tax Deferred
Replies: 19
Views: 1087

Re: Think I Could Consider a Branded Title Used Car

As I understand it, insurance companies will only cover liability on a branded vehicle which is fine by me because I wouldn't waste money on collision coverage for an older less expensive car.
by Middle
Wed Jul 24, 2013 12:16 pm
 
Forum: Personal Consumer Issues
Topic: Think I Could Consider a Branded Title Used Car
Replies: 9
Views: 851

Think I Could Consider a Branded Title Used Car

"Branded/Reconstructed car? What are you crazy? Stay Away! Not worth it" Okay, that's a basic response I am expecting but here's my reasoning and let me know where the holes are. We are a two car family: 2000 Toyota Echo with 150k miles and a 1991 Mitsubishi Galant with 111k miles on it. W...
by Middle
Tue Jul 23, 2013 1:53 pm
 
Forum: Personal Consumer Issues
Topic: Think I Could Consider a Branded Title Used Car
Replies: 9
Views: 851

Re: Tapering Hysteria

....that the fed would not be interested in raising rates anytime soon. But now this is something else I'm wondering about. We're not even close to talking about the Fed raising the funds rates (aka ending ZIRP), are we? Prior to that, they need to taper off on Operation Twist and the $85b bond pur...
by Middle
Fri Jun 28, 2013 12:06 pm
 
Forum: Investing - Theory, News & General
Topic: Tapering Hysteria
Replies: 14
Views: 1940

When are Foreign Taxes Paid

For holders of say Total International Stock Index, when are the foreign taxes paid? Do they coincide with the dividend distribution?
by Middle
Thu Jun 27, 2013 8:06 pm
 
Forum: Investing - Theory, News & General
Topic: When are Foreign Taxes Paid
Replies: 2
Views: 286

Tapering Hysteria

Why does it seem so naive to me that there is any surprise to the markets reacting negatively to the end of QE? And a corollary to that question is why does the media suggest that the Fed is overly concerned with a market drop (note I said drop and not crash)? I know for most on this site, it doesn'...
by Middle
Thu Jun 27, 2013 1:54 pm
 
Forum: Investing - Theory, News & General
Topic: Tapering Hysteria
Replies: 14
Views: 1940

Re: Question about capital gains

Got it. Thanks!
by Middle
Tue Jun 25, 2013 7:01 pm
 
Forum: Investing - Theory, News & General
Topic: Question about capital gains
Replies: 14
Views: 852

Re: Question about capital gains

Sorry to have hijacked this thread, but I think the OP got his/her answer. And I'm finding this very helpful. So thanks for the replies, this makes sense. Now there's one more scenario I want to understand and that is for when the AGI is in the 25% bracket (or higher). The capital gains are still fi...
by Middle
Tue Jun 25, 2013 4:59 pm
 
Forum: Investing - Theory, News & General
Topic: Question about capital gains
Replies: 14
Views: 852

Re: Question about capital gains

I'd be curious to just get clarification on the 0% tax rate for long term capital gains in the 15% tax bracket. Does that really mean, for someone with taxable income that falls in the 15% tax bracket, they would pay no taxes on any long term capital gains? Such that they could even incur additional...
by Middle
Tue Jun 25, 2013 2:29 pm
 
Forum: Investing - Theory, News & General
Topic: Question about capital gains
Replies: 14
Views: 852

Re: The Wrong Kind Of Diversification

Yes Whomever. I had similar thoughts when I started to post on this too, though I couldn't get it out as eloquently as you did. I'd be interested to hear the response from Rick, but it seems to me he's not saying that there is an expected higher return and hence the use of the phrase "hope for ...
by Middle
Tue Jun 25, 2013 1:10 pm
 
Forum: Investing - Theory, News & General
Topic: The Wrong Kind Of Diversification
Replies: 17
Views: 2413

Re: Socially responsible investing

Not to mention, that when you buy mutual fund shares or index shares, very little is going to your hated business and you are only going to be holding shares that someone else is holding. It will be of no real measurable benefit to that tobacco company. It is possible that Daniel M. Delen of R. J. ...
by Middle
Mon Jun 24, 2013 3:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Socially responsible investing
Replies: 38
Views: 1889

Re: Socially responsible investing

I was once interested in socially responsible investing, largely because it seemed like it would be...well responsible. But a conversation I had with someone changed my view. Between the generally higher expense ratios, the historic poor performance, I would have a much more powerful impact by not p...
by Middle
Mon Jun 24, 2013 1:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Socially responsible investing
Replies: 38
Views: 1889

Re: The Wrong Kind Of Diversification

This makes sense to me if you look at it from the perspective of the active managed funds are more often than not going to underperform, then by doubling or tripling up on that you are increasing your chances of underperforming. But that's when you take everything in aggregate. At the practical leve...
by Middle
Mon Jun 24, 2013 1:44 pm
 
Forum: Investing - Theory, News & General
Topic: The Wrong Kind Of Diversification
Replies: 17
Views: 2413
Next

Return to advanced search