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Re: Kimchi

The Personal Consumer Issues board is open to all sorts of different questions, so as I am staying the course on the investment side of the house, I thought I'd bring up the issue of kimchi. I've never tried it, but am interested, and considering making a batch myself. So a few questions: 1. Do you...
by Phineas J. Whoopee
Thu Aug 21, 2014 6:13 pm
 
Forum: Personal Consumer Issues
Topic: Kimchi
Replies: 40
Views: 1634

Re: Bogleheads and Dividend Paying Stocks

... Another narrow sense in which it's a good message: don't spend the dividends and still expect good returns. You'll be sorely disappointed. While dividend-less stocks do just fine, if you take away the dividends of dividend payers or the S&P at large, the returns are badly affected. And, if ...
by Phineas J. Whoopee
Thu Aug 21, 2014 5:08 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads and Dividend Paying Stocks
Replies: 18
Views: 1508

Re: Gold, Silver, Copper

... Now I want to buy more. :greedy I want a 1/10 oz, a 1/4 oz, a full oz, a Buffalo and a British sovereign and I want enough Silver eagles that I can make two small stacks of them on my kitchen table. :twisted: Please let the price go down, please let the price go down, please let the price go do...
by Phineas J. Whoopee
Thu Aug 21, 2014 5:03 pm
 
Forum: Investing - Theory, News & General
Topic: Gold, Silver, Copper
Replies: 113
Views: 6800

Re: Defining "Stay the Course"

... So, did I stay the course? ... You stayed the course if your IPS says to consider such moves should your job situation change, or if you re-evaluated your IPS in light of the new development. Staying the course is navigating efficiently between Queenstown and NYC. It is not running right into t...
by Phineas J. Whoopee
Thu Aug 21, 2014 3:45 pm
 
Forum: Investing - Theory, News & General
Topic: Defining "Stay the Course"
Replies: 32
Views: 2385

Re: Dividend income strategy: Pick the fund with highest yie

... Vanguard's highest yield ETF that isn't Bonds is Utilities (VPU) with a 3.5% yield. It had a higher yield. Nobody, including you, knows what its yield will be in the future. The next 3 highest non-Bond yield ETFs are Telecom (VOX- 3.1% yield), High Dividend Yield (VYM- 3%), and Consumer Staples...
by Phineas J. Whoopee
Thu Aug 21, 2014 3:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dividend income strategy: Pick the fund with highest yield?
Replies: 9
Views: 805

Re: Defining "Stay the Course"

... fine we do that and what happens, my husband dies at 54 before ever retiring. I'm very sorry to hear about your loss. That must be terrible. Now when it seems like I've got a halfway decent chance of retiring, oops nope can't do it because now I may get my knickers sued off because my elderly d...
by Phineas J. Whoopee
Thu Aug 21, 2014 3:07 pm
 
Forum: Investing - Theory, News & General
Topic: Defining "Stay the Course"
Replies: 32
Views: 2385

Re: Defining "Stay the Course"

[OT comments removed by admin LadyGeek] I'm merely curious why it's ok to deviate from one's IPS if there is a change which impacts only the deviatee but not ok if there is some kind of change which impacts the community in general. I've never heard it discussed. No hidden agenda with me. One's IPS...
by Phineas J. Whoopee
Thu Aug 21, 2014 3:01 pm
 
Forum: Investing - Theory, News & General
Topic: Defining "Stay the Course"
Replies: 32
Views: 2385

Re: Bogleheads and Dividend Paying Stocks

I have been reading a variety of boglehead threads for awhile and I often leave with the impression that it is near heresy to consider dividend paying stocks as a good thing or a way to generate income by individuals on these threads when talking about how to manage your assets and was curious as t...
by Phineas J. Whoopee
Wed Aug 20, 2014 8:44 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads and Dividend Paying Stocks
Replies: 18
Views: 1508

Re: Credit Union(s) Lowering rate on existing certificate (C

Perhaps "theoretical" was not the best word to use. My point was that the thread title implied that a credit union had actually lowered rates on existing CDs. They have previously changed EWPs, but your thread title is about rates. I rise in support of dm200. A higher E(arly)W(ithdrawal)P...
by Phineas J. Whoopee
Wed Aug 20, 2014 8:19 pm
 
Forum: Investing - Theory, News & General
Topic: Credit Union(s) Lowering rate on existing certificate (CD)
Replies: 10
Views: 1346

Re: Dow Jones Index Fund?

I wouldn't want to own the dow dawgs in my portfolio outside total market index. I believe it's the 30 largest qualifying companies of the S&P500. price-weighted, not value-weighted. It is not the 30 largest. That has nothing to do with anything. The DJIA has no relation to the S&P 500 othe...
by Phineas J. Whoopee
Wed Aug 20, 2014 7:32 pm
 
Forum: Investing - Theory, News & General
Topic: Dow Jones Index Fund?
Replies: 41
Views: 2046

Re: Closest index to VTSAX?

Which Major index would have the closest results to VTSAX? DJIA, Nasdaq, S and P 500? Since VTSAX essentially "buys the market," I would think that it would very somewhat closely to one of those 3 main indexes, if not all 3? Which would be the closest? Thanks! Why do you ask? Why list onl...
by Phineas J. Whoopee
Wed Aug 20, 2014 7:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Closest index to VTSAX?
Replies: 16
Views: 773

Re: Credit Union(s) Lowering rate on existing certificate (C

Yes, by all means, read the fine print, believe it, and adjust your expectations accordingly. Just because somebody, not so many as everybody, but more than nobody, tells you depository institutions can't change CD or share certificate terms doesn't mean it's true. What do you personally expect? Wil...
by Phineas J. Whoopee
Wed Aug 20, 2014 6:46 pm
 
Forum: Investing - Theory, News & General
Topic: Credit Union(s) Lowering rate on existing certificate (CD)
Replies: 10
Views: 1346

Re: Vanguard Managed Payout Fund

Hi, I still like the Life Strategy or 3 fund portfolio but see that this one allows for the 4% withdrawal, so it would be a good possibility for someone once they have enough money in it and are ready to take the withdrawal amount in retirement, ongoing. Then I noticed it's an actively managed fund...
by Phineas J. Whoopee
Wed Aug 20, 2014 5:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Managed Payout Fund
Replies: 4
Views: 537

Re: B&H Photo - NY City Experience

Great store, I've brought a number of camera lenses from them. Word of warning: not sure if this is still the practice but last time I was there, they were closed on Saturdays (jewish Sabbath I believe). If you go double check and make sure they are open they day you want to visit. C And yet they'r...
by Phineas J. Whoopee
Wed Aug 20, 2014 4:34 pm
 
Forum: Personal Consumer Issues
Topic: B&H Photo - NY City Experience
Replies: 35
Views: 2172

Re: B&H Photo - NY City Experience

My experience with B&H, with the caveat that our most recent interaction was around six years ago, is they're hard to beat in terms of price + service + reliability + standing behind what they sell for big ticket items. They're terrible for small-ticket items (even if I'm coining a compound word...
by Phineas J. Whoopee
Wed Aug 20, 2014 4:10 pm
 
Forum: Personal Consumer Issues
Topic: B&H Photo - NY City Experience
Replies: 35
Views: 2172

Re: TIPS vs SVF

I have been thinking a lot lately about inflation being the biggest risk to my retirement portfolio. I probably have about 20 years left until retirement starts, and then another 25 years of life expectancy after that. So I've been thinking that I need to make sure my asset allocation strategy incl...
by Phineas J. Whoopee
Wed Aug 20, 2014 3:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIPS vs SVF
Replies: 12
Views: 1292

Re: Dow Jones Index Fund?

Also remember that companies in the DJIA change over time. When GM went bankrupt its contribution did not contribute 0 to the DJIA as it would in an index fund, it would have been replaced by the formerly 31st largest company, which would not have had a value of 0. ... Little as largest has to do w...
by Phineas J. Whoopee
Wed Aug 20, 2014 3:06 pm
 
Forum: Investing - Theory, News & General
Topic: Dow Jones Index Fund?
Replies: 41
Views: 2046

Re: Any reason I should not pick the admiral funds equivalen

For example, someone might have a very negative reaction to anything referring to the sea, so they wouldn't want to have Admiral shares. Ok, that's my contribution. Who else has something even more far-fetched? "I've memorized all of the fund numbers and ticker symbols and don't want to have t...
by Phineas J. Whoopee
Wed Aug 20, 2014 2:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Any reason I should not pick the admiral funds equivalent?
Replies: 18
Views: 1616

Re: Defining "Stay the Course"

... Why does a change only have to be about YOU before it's actionable? What about a change in circumstances (i.e. PE10 hits 50) which arguably effects everybody? Why does the change in circumstances have to be personal before a Boglehead gets a pass from the stay the course mantra? Just curious :c...
by Phineas J. Whoopee
Wed Aug 20, 2014 2:07 pm
 
Forum: Investing - Theory, News & General
Topic: Defining "Stay the Course"
Replies: 32
Views: 2385

Re: Any reason I should not pick the admiral funds equivalen

... In theory, if Vanguard can switch investor shares to Admiral shares, shouldn't be able to convert the other way too? I tried searching for it but the only results are for the investor to admiral direction (and for good reason) And Vanguard can convert a mutual fund to its equivalent ETF. Yes, V...
by Phineas J. Whoopee
Wed Aug 20, 2014 1:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Any reason I should not pick the admiral funds equivalent?
Replies: 18
Views: 1616

Re: Daily Telegraph: World War One Archive

... Very, very few military visionaries foresaw the shape of the war they were getting into. 'Home before the leaves fall' was the general sentiment. Hoping this isn't taken as political commentary, because it surely isn't meant to be, rhetorically speaking how many times in history have military v...
by Phineas J. Whoopee
Wed Aug 20, 2014 12:44 pm
 
Forum: Personal Consumer Issues
Topic: Daily Telegraph: World War One Archive
Replies: 89
Views: 5754

Re: The Worst Investment You Can Make: Buying a Home

A home that is your residence is not an investment, it is an expense plain and simple. If you make the mistake of viewing it as an investment you'll make a number of behavioral errors, the most common one being buying too much house. It is in part an investment, because someday you are going to sel...
by Phineas J. Whoopee
Wed Aug 20, 2014 12:35 pm
 
Forum: Investing - Theory, News & General
Topic: The Worst Investment You Can Make: Buying a Home
Replies: 85
Views: 9293

Re: [live off dividends?] How the rich stay/get richer??

How does the rich person ensure their "principal" invested in equities holds its value or continues to supply cash dividends? Nobody has any contractual obligation to pay them anything, unlike with non-scare-quoted bond principal. It's capital, but not principal, and it's common for compan...
by Phineas J. Whoopee
Wed Aug 20, 2014 12:06 pm
 
Forum: Investing - Theory, News & General
Topic: [live off dividends?] How the rich stay/get richer??
Replies: 62
Views: 4778

Re: Dow Jones Index Fund?

To add my own take, the S&P500 is the Standard and Poors 500 Index . It was arbitrarily set to a value of 100 upon its inception on 4 March 1957. It's a price-centric cap-weighted indicator (but not simply the 500 largest-cap stocks, which causes Larry and I to disagree over whether funds follow...
by Phineas J. Whoopee
Mon Aug 18, 2014 10:14 pm
 
Forum: Investing - Theory, News & General
Topic: Dow Jones Index Fund?
Replies: 41
Views: 2046

Re: Bogleheads Featured in Money Article

So for tip #3, the article (Mel) is recommending I-Bonds and TIPS for pre-retires. Is that regardless of timeframe and goals? I would think that TIPS and I-Bonds would be more important for retires than pre-retires. I'm not Mel, but I think it depends very much on how exposed one is to inflation ri...
by Phineas J. Whoopee
Mon Aug 18, 2014 8:39 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads Featured in Money Article
Replies: 21
Views: 3004

Re: 3.3% Vanguard 10 year CD

^ Nauseating = "such as to cause contempt, disgust, loathing." It is true that it is non-analytical. But I would resent paying taxes on an investment that has given me no money in my pocket. Being taxed on phantom income is something that I personally would avoid but others may feel diffe...
by Phineas J. Whoopee
Thu Aug 14, 2014 2:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3.3% Vanguard 10 year CD
Replies: 90
Views: 8057

Re: Do Ex-US funds rebalance to maintain Dev:EM ratio?

... So then what is the point of an Ex-US fund or a Global equity fund? I could just as well buy the parts separately and never rebalance them. What's the point of any index fund if you could just as well buy the stocks separately and never rebalance them? Simplicity. Cost. Might as well do less wo...
by Phineas J. Whoopee
Thu Aug 14, 2014 2:35 pm
 
Forum: Investing - Theory, News & General
Topic: Do Ex-US funds rebalance to maintain Dev:EM ratio?
Replies: 12
Views: 594

Re: 401K in American Fund AMCAP A (growth fund)

I recently re balanced my pre-tax 401K to AMCAP A large growth fund based on its performance, sector split and the companies it picked. I know the fund only covers mostly US and a little Non US equities and has a high risk. I am 33 and felt like I could take a chance. I appreciate any comments and ...
by Phineas J. Whoopee
Thu Aug 14, 2014 2:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K in American Fund AMCAP A (growth fund)
Replies: 6
Views: 515

Re: Do Ex-US funds rebalance to maintain Dev:EM ratio?

Rebalancing, per se, isn't necessary in a market-cap weighted fund, including ex-US ones that include emerging markets. Setting aside customer cashflows and the constant background of companies and their shares appearing and disappearing, the market prices keep everything in a cap-weighted balance. ...
by Phineas J. Whoopee
Thu Aug 14, 2014 1:32 pm
 
Forum: Investing - Theory, News & General
Topic: Do Ex-US funds rebalance to maintain Dev:EM ratio?
Replies: 12
Views: 594

Re: a number of questions on indexing

As Alex noted elsewhere in his post Vanguard minimizes trading by swapping cash and assets among its customers who are buying and selling each day. I understand that if there is $1 million of inflows to a fund and $1 million in outflows from the same fund on the same day that Vanguard does not need...
by Phineas J. Whoopee
Wed Aug 13, 2014 6:14 pm
 
Forum: Investing - Theory, News & General
Topic: a number of questions on indexing
Replies: 20
Views: 2742

Re: Annuity as Part of RMD

A QLAC, a Qualifying Longevity Annuity Contract, is just an ordinary deferred annuity. An IRA, contrary to how they're usually spoken about, is an Individual Retirement Arrangement , which may take the form of an Account or an Annuity . For purposes of R(equired)M(inimum)D(istributions) all IRA acco...
by Phineas J. Whoopee
Wed Aug 13, 2014 5:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Annuity as Part of RMD
Replies: 2
Views: 337

Re: Is the 401k 10% early withdrawal penalty worth it?

OP: Plenty of posters have referred to 72(t), and its Substantially Equal Periodic Payments, SEPP, rule. If you expect your federal+state income tax rate to be lower in early retirement than while you're building up your savings it makes sense to save the maximum into tax-deferred as well as more in...
by Phineas J. Whoopee
Wed Aug 13, 2014 5:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is the 401k 10% early withdrawal penalty worth it?
Replies: 32
Views: 1436

Re: Is the 401k 10% early withdrawal penalty worth it?

Here's an article on the 10% penalty exceptions from a retirement account. Note there is an age 55 exception for qualified retirement plans, NOT IRAs. h ttp://www.401khelpcenter.com/401k_education/Early_Dist_Options.html#.U-uBfo1dVmg The exception only applies if one separates from service from the...
by Phineas J. Whoopee
Wed Aug 13, 2014 4:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is the 401k 10% early withdrawal penalty worth it?
Replies: 32
Views: 1436

Re: Can't decide to keep 401k with previous employer or move

At 6% that would be one heck of a stable value fund! That's why I asked who pays. And anyway, stable value funds do face risk, just not interest rate risk, unless things get bad in which case it comes into play.
PJW
by Phineas J. Whoopee
Wed Aug 13, 2014 4:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can't decide to keep 401k with previous employer or move
Replies: 48
Views: 4434

Re: Where do you store your important documents?

... "If a box is jointly leased, the death of a lessee does not affect the right to access the box or to remove the contents thereof for the surviving lessee unless there is a contract clause to the contrary." That may easily be. Will you be so kind as to tell us precisely what you're quo...
by Phineas J. Whoopee
Wed Aug 13, 2014 4:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where do you store your important documents?
Replies: 38
Views: 3202

Re: Renting forever: financial suicide?

DonCamillo wrote:...
I wonder if it is "lifestyle suicide" to make this decision on financial grounds.
...

It's entirely possible to rent a house. It's entirely possible to buy an apartment.

The rent vs. own decision is independent of the house vs. apartment decision.

PJW
by Phineas J. Whoopee
Wed Aug 13, 2014 4:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting forever: financial suicide?
Replies: 90
Views: 9433

Re: BI: High Yield six-sigma event

... I am sure the US is no different in this regard. The authorities are just not going to bail out a bank without inflicting pain on everyone but the depositors. That, in fact, is the whole point behind the $80bn of CoCos (Contingent Convertibles) being issued by banks at the behest of regulators....
by Phineas J. Whoopee
Wed Aug 13, 2014 3:59 pm
 
Forum: Investing - Theory, News & General
Topic: BI: High Yield six-sigma event
Replies: 24
Views: 2015

Re: BI: High Yield six-sigma event

... Not exactly- Full vote of SEC Commissioners is required to suspend redemption of shares. See link. That takes time. http://ftalphaville.ft.com/2014/07/28/1909172/redemption-is-a-mutual-fund-story/ When was the last time the SEC allowed MFs to suspend redemptions of bond funds, if ever? Right. A...
by Phineas J. Whoopee
Wed Aug 13, 2014 3:53 pm
 
Forum: Investing - Theory, News & General
Topic: BI: High Yield six-sigma event
Replies: 24
Views: 2015

Re: BI: High Yield six-sigma event

Y'all forget the markets were all closed for more than a week after 9/11. L. Four business days. Closed on a Tuesday morning, opened the following Monday. The part which took the longest was installing temporary communications lines, because Verizon's facilities were severely damaged and they're wh...
by Phineas J. Whoopee
Tue Aug 12, 2014 8:09 pm
 
Forum: Investing - Theory, News & General
Topic: BI: High Yield six-sigma event
Replies: 24
Views: 2015

Re: [Help with I-bonds vs. TIPS]

Welcome to the forum washerdryer! And are you ever in luck!

We have a wiki article on precisely that topic: I Bonds vs TIPS.

I suggest reading it, then coming back to us with any remaining questions.

PJW
by Phineas J. Whoopee
Tue Aug 12, 2014 7:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Help with I-bonds vs. TIPS]
Replies: 7
Views: 860

Re: BI: High Yield six-sigma event

... I haven't seen this utilized yet, but a snowfall exceeding 1/2" is regarded as an emergency in Wash. DC. I mean they do send home a couple of million non-essential employees, right. If the NYSE is closed or the SEC has determined an emergency, good luck with disposing of your GO muni. ... ...
by Phineas J. Whoopee
Tue Aug 12, 2014 6:56 pm
 
Forum: Investing - Theory, News & General
Topic: BI: High Yield six-sigma event
Replies: 24
Views: 2015

Re: BI: High Yield six-sigma event

... As for limiting excessive redemptions in bond funds I thought the SEC rule required funds to redeem sales within 7 days. This is one of the risks of owning a bond fund that I avoid. Seven day redemptions may be in kind. What the SEC can do is suspend the usual rule, under emergency circumstance...
by Phineas J. Whoopee
Tue Aug 12, 2014 6:43 pm
 
Forum: Investing - Theory, News & General
Topic: BI: High Yield six-sigma event
Replies: 24
Views: 2015

Re: Where do you store your important documents?

... State laws differ, but here in New Jersey whenever any of the owners of a safe deposit box die, it is sealed. Getting access requires signing a statement that all owners are still living. Thoroughly correct, and that's the most crucial point about storing estate documents in a safe deposit box....
by Phineas J. Whoopee
Tue Aug 12, 2014 6:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where do you store your important documents?
Replies: 38
Views: 3202

Re: Where do you store your important documents?

I use a safe deposit box, and my choice of local brick and mortar bank was based on who charged the least for the size I need. Their checking and savings provisions are a little worse than the best in the vicinity, but the SDB rent is enough lower that I come out ahead anyway, even with giving up a ...
by Phineas J. Whoopee
Tue Aug 12, 2014 5:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where do you store your important documents?
Replies: 38
Views: 3202

Re: Can't decide to keep 401k with previous employer or move

Sorry, Doc7, but I got lost somewhere in the middle of this thread. What does cash balance mean? Is it in some vehicle? Who pays the 6%? Does its value only ever go up, and never down regardless of circumstance? Does it face any risk at all? 30-year treasuries yield 3.27%. Are you saying you get alm...
by Phineas J. Whoopee
Tue Aug 12, 2014 4:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can't decide to keep 401k with previous employer or move
Replies: 48
Views: 4434

Re: I...I don't even know where to begin.

With savings accounts yielding a pity .90% at the most, I decided to turn to the stock market. ... Welcome to the forum Invest92! Just to add a little commentary to previous posts giving you good advice, the stock market and savings accounts are not interchangable. One involves knowingly making ver...
by Phineas J. Whoopee
Tue Aug 12, 2014 3:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: I...I don't even know where to begin.
Replies: 19
Views: 2960

Re: Does domestic over weighting qualify as active managemen

I'm beginning to think part of the misunderstanding problem may be many of us using "active management" as a snarl word.
PJW
by Phineas J. Whoopee
Tue Aug 12, 2014 1:52 pm
 
Forum: Investing - Theory, News & General
Topic: Does domestic over weighting qualify as active management?
Replies: 26
Views: 1205

Re: Roth IRA Allocations - New Bogleheads Member

... We max out both Roth IRA accounts every year and plan to do so moving forward. Joint Account has Mutual Funds that were transferred in kind that I would like to get out of once they are at Vanguard (In a week or so), but they were purchased in January of 2014 so I'd like to wait until next year...
by Phineas J. Whoopee
Tue Aug 12, 2014 12:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Allocations - New Bogleheads Member
Replies: 2
Views: 345

Re: Does domestic over weighting qualify as active managemen

any tilt away from market cap weighting is active management. ... Thanks for that Larry, because now I see you and I weren't disagreeing over the S&P 500, but rather about the meaning of the term active management. You've not convinced me, I've probably not convinced you, but at least it's clea...
by Phineas J. Whoopee
Tue Aug 12, 2014 11:05 am
 
Forum: Investing - Theory, News & General
Topic: Does domestic over weighting qualify as active management?
Replies: 26
Views: 1205

Re: First Timer

... Phineas, what would be considered "relatively low" vs when you'd decide to start taking a look at moving it out of a savings account? ... Allow me to clarify. I didn't mean to say you should use a savings account until your balance reaches a preset number or anything like that. What I...
by Phineas J. Whoopee
Tue Aug 12, 2014 10:50 am
 
Forum: Investing - Help with Personal Investments
Topic: First Timer
Replies: 23
Views: 1952
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