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Re: Is it safe to use a credit card at Target?

Anyone still concerned about Target's credit card system vulnerabilities? Hi Non7WoodUser, and welcome to the forum! Target may still be vulnerable, but so might anybody else. In the US credit cards have good fraud protection, and their issuers are intermediaries in the transactions, so no, other t...
by Phineas J. Whoopee
Fri Dec 19, 2014 6:23 pm
 
Forum: Personal Consumer Issues
Topic: Is it safe to use a credit card at Target?
Replies: 2
Views: 47

Re: VWINX declining, any ideas why?

... We may well be talking around each other. Of course the $ value of the portfolio, market action notwithstanding, is the same before and after the distribution. If that is what you are saying I agree. However, you are giving the impression, IMO, that therefore, the dividend and CG is meaningless...
by Phineas J. Whoopee
Fri Dec 19, 2014 2:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: VWINX declining, any ideas why?
Replies: 40
Views: 3041

Re: Performed backdoor Roth and accountant did not file 8606

So you're suggesting we might chuck obfuscation out the window, are you?

It's such a crazy idea it just might work!

PJW
by Phineas J. Whoopee
Thu Dec 18, 2014 10:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Performed backdoor Roth and accountant did not file 8606
Replies: 42
Views: 2510

Re: Term life insurance- I don't have it. Do I need it?

Term rather than whole is right. I don't know enough to validate the rest of your numbers. I'd err on the side of caution, if it were me (which it isn't because I have no dependents now; and there are enough tissues to educate medical students and feed whatever's left to the fishies; and money enoug...
by Phineas J. Whoopee
Thu Dec 18, 2014 10:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term life insurance- I don't have it. Do I need it?
Replies: 15
Views: 852

Re: Brokerage option for 401k question

When held directly Fidelity Spartan funds have a minimum of $2500. Spartan Advantage funds, with lower expense ratios, require $10,000 each.

In a 401(k) brokerage window it may be, I don't know if it's the case for you, the minimums are lower. It's best to check directly with your employer.

PJW
by Phineas J. Whoopee
Thu Dec 18, 2014 8:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Brokerage option for 401k question
Replies: 1
Views: 241

Re: Performed backdoor Roth and accountant did not file 8606

I'm reminded of reports here, years ago, that people went to their bank tellers and asked for iBonds [sic] and the tellers didn't even know what they were talking about! Just because something is Bogleheads slang doesn't necessarily mean everybody else in the world recognizes the term. "Backdoo...
by Phineas J. Whoopee
Thu Dec 18, 2014 8:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Performed backdoor Roth and accountant did not file 8606
Replies: 42
Views: 2510

Re: ACA insurance Q... for 26 yo child coming off my insuran

What will this 26-year-old child do when, not if, you're no longer available to manage her financial affairs?
PJW
by Phineas J. Whoopee
Thu Dec 18, 2014 7:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: ACA insurance Q... for 26 yo child coming off my insurance
Replies: 7
Views: 846

Re: Term life insurance- I don't have it. Do I need it?

... The answer is yes. But how much do I need? My employment has life insurance for 0.5 M. Wiki has a work sheet but is there something simpler? Or is that enough? Thanks How much are your family's annual expenses; how much has to be available for college tuition and when; how many years is it befo...
by Phineas J. Whoopee
Thu Dec 18, 2014 7:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term life insurance- I don't have it. Do I need it?
Replies: 15
Views: 852

Re: VWINX declining, any ideas why?

... Distributions are not "cash flows it already received as dividends and interest from its underlying holdings" only. They also include cash flows from realized capital gains. Very true, and a valid criticism of my post. Most of Wellesley's distribution yesterday was not dividends but C...
by Phineas J. Whoopee
Thu Dec 18, 2014 6:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: VWINX declining, any ideas why?
Replies: 40
Views: 3041

Re: Real Estate property vs index funds for kids

Are "the kids" interested in real estate management careers? If not, you'll be constraining them. Even though for a price much of the day to day detail can be farmed out, they'll still be owners and landlords and therefore will bear the burdens, legal and otherwise. I'd go with the funds a...
by Phineas J. Whoopee
Thu Dec 18, 2014 6:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Real Estate property vs index funds for kids
Replies: 10
Views: 902

Re: VWINX declining, any ideas why?

Every year this question arises, without fail. Therefore I'll take advantage of it as a potentially teachable moment. OP - when an equity-including fund makes distributions, they're of cash flows it already received as dividends and interest from its underlying holdings. The value of that cash is r...
by Phineas J. Whoopee
Thu Dec 18, 2014 5:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: VWINX declining, any ideas why?
Replies: 40
Views: 3041

Re: myRA up and running, but worth it?

From the terms link: Termination at $15,000 or Thirty (30) years. The Retirement Savings Bond held in your myRA will stop earning interest when your myRA balance reaches $15,000 in value or thirty (30) years after your myRA is opened and first funded, whichever comes first. Furthermore: ... At that...
by Phineas J. Whoopee
Thu Dec 18, 2014 4:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: myRA is now open
Replies: 31
Views: 1742

Re: VWINX declining, any ideas why?

Might it be partially due to the $0.672 (investor shares) or $1.639 (Admiral shares) per share, 2.7% distribution that just took place?
PJW
by Phineas J. Whoopee
Thu Dec 18, 2014 3:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: VWINX declining, any ideas why?
Replies: 40
Views: 3041

Re: myRA up and running, but worth it?

Note that it's only available to those ... whose employers do not offer their own retirement plan, like a 401(k) or 403(b). Where do you see that? (The rest I agree with). It says "it is a good option for people without access to employer-sponsored retirement savings plans" but I can't se...
by Phineas J. Whoopee
Thu Dec 18, 2014 3:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: myRA is now open
Replies: 31
Views: 1742

Re: myRA up and running, but worth it?

There will be a few bogleheads who use this to put $14,500 in the G fund. That's probably worth a few hundred a year over the alternatives. We see plenty of cases of jumping through smaller hoops for a lot less. Note that it's only available to those with earned income, and whose employers do not o...
by Phineas J. Whoopee
Thu Dec 18, 2014 3:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: myRA is now open
Replies: 31
Views: 1742

Re: myRA is now open

Barry's response is better than mine was.
PJW
by Phineas J. Whoopee
Thu Dec 18, 2014 2:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: myRA is now open
Replies: 31
Views: 1742

Re: Help me choose a bond fund

If her 401(k) offers a better bond fund than PIMCO Total Return (and not all of us will agree on what's better, as evidenced by mptfan's post above), you could allocate all 16% there to it, and reduce PIMCO in your 401(k), replacing it with, presumably, a good stock fund. Other than that I can see y...
by Phineas J. Whoopee
Thu Dec 18, 2014 2:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me choose a bond fund
Replies: 9
Views: 1245

Re: Timing to rebalance portfolio

Hi js101, and welcome to the forum! Three points in response: 1) Nobody successfully times the market in any persistent manner. It's better to adopt a strategy which doesn't depend on predicting future returns; 2) Because one's income and often healthcare are bound to one's employer, it's extra risk...
by Phineas J. Whoopee
Thu Dec 18, 2014 2:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Timing to rebalance portfolio
Replies: 4
Views: 565

Re: Max my 401K early, how to maximize employer match?

When I was under those constraints, with an employer that didn't allow after-tax contributions, I worked out how much setting the percentage to get the full match added up to, subtracted that from my maximum contribution, and upped the percentage during the early part of the year to make up the diff...
by Phineas J. Whoopee
Thu Dec 18, 2014 2:20 pm
 
Forum: Investing - Theory, News & General
Topic: Max my 401K early, how to maximize employer match?
Replies: 13
Views: 1341

Re: Jim Otar's Retirement Optimizer Calculator

I've not paid the money to find out about the calculator, but one thing I will say based on reading his book is Otar doesn't like Gaussian distribution assumptions, that is, assuming a normal distribution, for future financial returns; so he invented, in his word, aftcasting, to replace forecasting....
by Phineas J. Whoopee
Wed Dec 17, 2014 11:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Jim Otar's Retirement Optimizer Calculator
Replies: 1
Views: 563

Re: 2x Leveraged ETFS

Thanks, the consensus seems unanimous --- I'll sell my shares tomorrow and then maybe just stick what's leftover into United States Oil ETF (USO) (what I should of done instead of UCO) or just stop investing in oil altogether. :| :oops: Stop investing in instruments you don't understand altogether....
by Phineas J. Whoopee
Wed Dec 17, 2014 11:10 pm
 
Forum: Investing - Theory, News & General
Topic: 2x Leveraged ETFS
Replies: 16
Views: 1060

Re: 2x Leveraged ETFS

Well I'm sure I'm not the only one who has been fooled by leverage funds by thinking double the return double the money right? So the million dollar question is should I sell and take my loss? I'm sure you're right on the first, and the answer to the second is absolutely yes. What difference would ...
by Phineas J. Whoopee
Wed Dec 17, 2014 10:40 pm
 
Forum: Investing - Theory, News & General
Topic: 2x Leveraged ETFS
Replies: 16
Views: 1060

Re: Risk-Adjusted Equity Returns - CAPM vs. Fama-French

Hello Bogleheads, I'm newly register on the forum, and this is my first post. Please bear with me while I try to get the hang of this... Welcome! For quite some time I've been trying to get a concise answer to the following question: "On a risk-adjusted basis , how does the single-factor capit...
by Phineas J. Whoopee
Wed Dec 17, 2014 10:30 pm
 
Forum: Investing - Theory, News & General
Topic: Risk-Adjusted Equity Returns - CAPM vs. Fama-French
Replies: 15
Views: 900

Re: 2x Leveraged ETFS

Short term means less than one trading day. It means not staying in them overnight. They don't work the way people think they might based just on their names. They have built-in losses all but guaranteed over time, and the longer the time, outside of a single trading day, the more certain the losses...
by Phineas J. Whoopee
Wed Dec 17, 2014 10:15 pm
 
Forum: Investing - Theory, News & General
Topic: 2x Leveraged ETFS
Replies: 16
Views: 1060

Re: Bogle: How Bond Indexing Could Be Better

Question: Didn't Mr Bogle develop Vanguard's TBM product? ... To the extent he and his team chose Lehman's US Bond Index to follow, yes. To the extent Barclays bought that part of Lehman's business after the latter's bankruptcy in the financial crisis, and later introduced the US Aggregate Float Ad...
by Phineas J. Whoopee
Wed Dec 17, 2014 8:11 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle: How Bond Indexing Could Be Better
Replies: 14
Views: 1252

Re: Vanguard's stockpickers outperform.... [news article]

toto238 wrote:...
Did you remember to include investor and Admiral shares?

And Institutional and Institutional Plus shares, and Signal shares if there are any left?
PJW
by Phineas J. Whoopee
Wed Dec 17, 2014 7:58 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's stockpickers outperform.... [news article]
Replies: 14
Views: 1814

Re: Bogle: How Bond Indexing Could Be Better

toto238 wrote:...
It's a philosophical question more than anything else.

And as I noted above the philosophical question, to the extent it is one, has been answered for TBM, and it doesn't count Treasury debt held by the US government, the Fed, or any other national government.
PJW
by Phineas J. Whoopee
Wed Dec 17, 2014 6:39 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle: How Bond Indexing Could Be Better
Replies: 14
Views: 1252

Re: Help me understand taxes with non-retirement accounts

In reply to your other question, rebalancing from total stock to total bond will most likely realize a capital gain, given what's happened with stocks in the past few years, mostly long-term but maybe some short-term as well depending on which cost basis method you use, and that also will need to be...
by Phineas J. Whoopee
Wed Dec 17, 2014 6:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me understand taxes with non-retirement accounts
Replies: 25
Views: 1830

Re: Managed Growth Portfolio

Vanguard's Managed Payout Fund invests very aggressively, much more so than many retirees would want. It strives to keep pace with inflation but uses no mechanism by which it can reliably do so, especially not over the short to intermediate term. Its method of paying out 4% annually will include ret...
by Phineas J. Whoopee
Wed Dec 17, 2014 6:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Managed Growth Portfolio
Replies: 3
Views: 617

Re: Total stock market funds - is real estate accounted for?

You've exposed a rift that sometimes shows up here. In terms of the total stock market, real estate is included at market cap, including real estate held by non-REIT firms for their own purposes. In terms of its share in the total economy real estate is not well represented. The "total" re...
by Phineas J. Whoopee
Wed Dec 17, 2014 6:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total stock market funds - is real estate accounted for?
Replies: 8
Views: 702

Re: Investing advice for retired MIL

The first, most obvious move is from her present 0.12% money market account to a money market or savings account that yields more. Depositaccounts is a good place to go to research them. CDs could make sense, see Depositaccounts again to find good ones, if the $150,000 emergency fund isn't likely to...
by Phineas J. Whoopee
Wed Dec 17, 2014 5:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing advice for retired MIL
Replies: 11
Views: 753

Re: Bogle: How Bond Indexing Could Be Better

... The point being made is that the majority of holders of U.S. Treasuries are foreign governments and branches of the federal government itself. The index Vanguard's total bond market index fund / ETF tracks is the Barclays U.S. Aggregate Float Adjusted Index, which consequently includes all of t...
by Phineas J. Whoopee
Wed Dec 17, 2014 5:11 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle: How Bond Indexing Could Be Better
Replies: 14
Views: 1252

Re: Help me choose a bond fund

Hi vivekv, and welcome to the forum! I realize you asked what seems like a simple question, but nobody will be able to give good advice without more context. We have a recommended format for asking portfolio questions . Now, I'll say a couple of things, but I'm going to assume your situation is that...
by Phineas J. Whoopee
Wed Dec 17, 2014 4:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me choose a bond fund
Replies: 9
Views: 1245

Re: Better inflation-indexed guaranteed options?

PJW, have you tried using inflation swaps? I have not, but I do like to bring them up when people say there are no direct ways to hedge a portfolio against inflation. They're a true hedge, therefore have an expected negative return for the price taker. Like any other hedge, one pays somebody else t...
by Phineas J. Whoopee
Mon Dec 15, 2014 7:26 pm
 
Forum: Investing - Theory, News & General
Topic: Better inflation-indexed guaranteed options?
Replies: 31
Views: 2382

Re: Performed backdoor Roth and accountant did not file 8606

You confirm my position that becoming a professional's customer is no substitute for filling out one's own tax forms. In a former employment arena, several of my colleagues bragged, bragged , how they had CPAs do their taxes. It was a matter of social status. I mentioned one state tax credit I happe...
by Phineas J. Whoopee
Sun Dec 14, 2014 8:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Performed backdoor Roth and accountant did not file 8606
Replies: 42
Views: 2510

Re: Using EE and/or I Bonds Instead of Bond Funds

Speaking of remembering options, it's even possible, having paid tax annually, to go back to paying only at the end for whatever's left to earn. The requirements are pretty detailed, but they're unambiguous, so if one wants to do that they just follow them. It has to do with the IRS granting permiss...
by Phineas J. Whoopee
Fri Dec 12, 2014 11:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Using EE and/or I Bonds Instead of Bond Funds
Replies: 48
Views: 4251

Re: VXUS [Vanguard Total International Stock Index]

... I promise I am not trying to give the impression I haven't read it :) I have and agree best idea is to stick to allocation. but my question I still have is: is there an advantage to rebalancing often / as I like vs. on a set schedule like quarterly or by a set % departure from allocation? Alrig...
by Phineas J. Whoopee
Fri Dec 12, 2014 10:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: VXUS [Vanguard Total International Stock Index]
Replies: 15
Views: 1141

Re: How do you factor entitlements into your investing plan?

The "entitlement" word sometimes is politically loaded, so I won't use it. It's simply a matter of benefits one gets if one meets certain objective criteria, as opposed to benefits one might get at the discretion of local officials. When I was starting, and middling, I didn't take any of t...
by Phineas J. Whoopee
Fri Dec 12, 2014 9:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you factor entitlements into your investing plan?
Replies: 50
Views: 3971

Re: Savings Bond Tax Reporting Question

You're allowed, if you wish, to report the interest each year. If you start now, for example, you'll report all the interest earned up until now as 2014 income, then declare it year by year thereafter.

You don't have to cash them just in order to pay the tax on the interest. :)

PJW
by Phineas J. Whoopee
Fri Dec 12, 2014 8:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Savings Bond Tax Reporting Question
Replies: 2
Views: 325

Re: Using EE and/or I Bonds Instead of Bond Funds

Well, Angst, I'm pretty sure nisi was responding to what was your most recent post in this thread, not your original one. It was directed at me, so I'll stand up and say so. ... I don't care so much that it perhaps doesn't unequivocally support or prove "negative correlation", but it does ...
by Phineas J. Whoopee
Fri Dec 12, 2014 8:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Using EE and/or I Bonds Instead of Bond Funds
Replies: 48
Views: 4251

Re: You folks think the big one is coming?

Michael_Fisher1 wrote:...
well I had a lot of caffeine and sugar today which is why i came on an investment forum and asked that question ;)

And I fell for it and fed you. :oops:
PJW
by Phineas J. Whoopee
Fri Dec 12, 2014 6:39 pm
 
Forum: Investing - Theory, News & General
Topic: You folks think [a market crash] is coming?
Replies: 64
Views: 5669

Re: You folks think the big one is coming?

"The big one" is always coming. Account for it in your plan and stay the course.
PJW
by Phineas J. Whoopee
Fri Dec 12, 2014 6:36 pm
 
Forum: Investing - Theory, News & General
Topic: You folks think [a market crash] is coming?
Replies: 64
Views: 5669

Re: Using EE and/or I Bonds Instead of Bond Funds

... I don't like bond funds because I have no control over interest rate risk. You can explain to me why that is illogical but I don't care, that is what I feel, and no amount of arithmetic will convince me otherwise . Treasuries have no credit risk, unless you consider "policy" risk, cre...
by Phineas J. Whoopee
Fri Dec 12, 2014 6:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Using EE and/or I Bonds Instead of Bond Funds
Replies: 48
Views: 4251

Re: VBMFX - International Exposure?

And, as noted above , those are Yankees, that is, US Dollar denominated bonds issued inside the US by US branches of foreign banks, under US laws and regulatory supervision. They are not issues from foreign companies on foreign shores . I'll also note the M in Total Bond Market stands for Market . T...
by Phineas J. Whoopee
Fri Dec 12, 2014 6:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: VBMFX - International Exposure?
Replies: 11
Views: 658

Re: VXUS [Vanguard Total International Stock Index]

... I have actually established it - 60% VTI, 20% VXUS, 13% BND, 7% BNDX. So my question is, can i rebalance to that allocation whenever I feel there has been a significant departure or should I wait and do it on a schedule? I know both are possible - is one or the other "better" ? Then y...
by Phineas J. Whoopee
Fri Dec 12, 2014 5:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: VXUS [Vanguard Total International Stock Index]
Replies: 15
Views: 1141

Re: VBMFX - International Exposure?

Vanguard's generic recommendation is that 20% of one's bonds be international. On balance, posters here seem to disagree. I think using something like Vanguard's total international bond fund probably makes little difference. It's a little more expensive than Total Bond, and a little riskier, so I f...
by Phineas J. Whoopee
Fri Dec 12, 2014 4:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: VBMFX - International Exposure?
Replies: 11
Views: 658

Re: VXUS [Vanguard Total International Stock Index]

Thank you for the responses! My other question is - how often should I rebalance (assuming no commissions) - is there any benefit to doing this more or less frequently? Can I do it as soon as I notice a big swing or should I limit myself to 2x a year or some such schedule? Here's a good discussion ...
by Phineas J. Whoopee
Fri Dec 12, 2014 4:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: VXUS [Vanguard Total International Stock Index]
Replies: 15
Views: 1141

Re: VXUS [Vanguard Total International Stock Index]

Hi tzakiel, and welcome to the forum! When you put 20% into international stocks, was that a decision you made about how you want your portfolio to look? If so you should maintain it. If not, if you put it in because you thought a stock fund would go up in a few months, you may have unrealistic expe...
by Phineas J. Whoopee
Fri Dec 12, 2014 4:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: VXUS [Vanguard Total International Stock Index]
Replies: 15
Views: 1141
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