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Re: madsinger monthly report (January 2014)

Thanks!

Anyone know what is in the "Hot Hands" portfolio?
by ProfessorX
Tue Feb 04, 2014 10:22 am
 
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (January 2014)
Replies: 32
Views: 3104

Re: Bought in, and then they start tumbling

What do I do? First thing, whenever I make a large contribution I also "rebalance my AA". So even if the market starts tumbling, and it was high, I likely sold stocks and bought Bonds and I remind myself that I just took some stocks off the table. Second thing, I never buy stocks if I don'...
by ProfessorX
Tue Feb 04, 2014 10:11 am
 
Forum: Investing - Theory, News & General
Topic: Bought in, and then they start tumbling
Replies: 51
Views: 6473

Re: Keurig vs normal coffeemaker?

I've had my Keurig for over six years, using it every day several times. It is still going strong. I know other people whose broke after a while though. The machines are not too expensive though.
by ProfessorX
Sat Feb 01, 2014 7:15 pm
 
Forum: Personal Consumer Issues
Topic: Keurig vs normal coffeemaker?
Replies: 128
Views: 6282

Re: Keurig vs normal coffeemaker?

I don't understand the comments about being able to make a single cup without wasting the rest of the pot. I make a single cup of great tasting coffee every morning in our 12-cup coffee maker, with no waste. You don't have to brew a full pot just because that's the max. When we've stayed with frien...
by ProfessorX
Sat Feb 01, 2014 7:02 pm
 
Forum: Personal Consumer Issues
Topic: Keurig vs normal coffeemaker?
Replies: 128
Views: 6282

Re: Keurig vs normal coffeemaker?

If you only drink one cup a day you don't end up throwing out the eleven cups you didn't drink from your twelve cup coffee maker. Now if you drink twelve cups a day, the one cup Keurig is not the best idea. I have a keurig and this is not true IMO. They make decent coffee. This is coming from someo...
by ProfessorX
Sat Feb 01, 2014 6:56 pm
 
Forum: Personal Consumer Issues
Topic: Keurig vs normal coffeemaker?
Replies: 128
Views: 6282

Re: Will Vanguard Asset Management keep legacy assets?

toddclaussen wrote:I know I should be asking VG this question, but nobody will call me back!


Did you tell them it's about transferring substantially more than $800K? They called me back numerous times, and assigned me a transfer advisor, about transferring a small fraction of that amount.
by ProfessorX
Thu Jan 30, 2014 2:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Will Vanguard Asset Management keep legacy assets?
Replies: 3
Views: 507

Re: My annualized returns are better than yours. Why?

krick wrote:
kerplunk wrote:Image

kerplunk, if you don't mind me asking... What software/site did you use to generate these images?


That's just the google finance web interface. Plus any random free screen grab image utility.
by ProfessorX
Wed Jan 29, 2014 6:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: My annualized returns are WORSE than yours. Why?
Replies: 87
Views: 6358

Re: TurboTax discount for Vanguard users

Nice! Thanks! That's a good discount!
by ProfessorX
Wed Jan 29, 2014 2:50 pm
 
Forum: Personal Consumer Issues
Topic: TurboTax discount for Vanguard users
Replies: 2
Views: 430

Re: 2013 TurboTax: Which Product? New Rules?

Kevin... Thanks for your thorough and thoughtful response. My response was removed by the admin because it was not in response to a factual error. Nevertheless, your response is much better than mine. My effort to provide meaningful responses to questions posted here is quite frustrating. Bob Meigh...
by ProfessorX
Wed Jan 29, 2014 12:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2013 TurboTax: Which Product? New Rules?
Replies: 302
Views: 28952

Re: "MyRA": in addition to the limits of ROTH and 401k?

IFKC wrote:What legislation is pending? This is an Executive action, not Congressional legislation.

Seriously, I don't see the threads. Can you point to one?


That's a slight technicality that is not currently allowed by the site administrators, since it is a pending action.
by ProfessorX
Wed Jan 29, 2014 11:57 am
 
Forum: Investing - Theory, News & General
Topic: MYRA OFF TOPIC UNTIL ACTIONABLE (merged threads)
Replies: 68
Views: 4067

Re: 2013 TurboTax: Which Product? New Rules?

And I was wondering if I can download my tax information from the "web edition" from previous years into the "download edition" for this year? bmeighan has answered your question. See this post. http://www.bogleheads.org/forum/viewtopic.php?p=1941770#p1941770 In a follow up, he ...
by ProfessorX
Wed Jan 29, 2014 11:53 am
 
Forum: Personal Finance (Not Investing)
Topic: 2013 TurboTax: Which Product? New Rules?
Replies: 302
Views: 28952

Re: "MyRA": in addition to the limits of ROTH and 401k?

It is against the TOS to discuss pending legislation.
by ProfessorX
Wed Jan 29, 2014 11:52 am
 
Forum: Investing - Theory, News & General
Topic: MYRA OFF TOPIC UNTIL ACTIONABLE (merged threads)
Replies: 68
Views: 4067

Re: 2013 TurboTax: Which Product? New Rules?

Sorry if I am confusing people with my posts. Here is what I wanted to know. In previous years I have used the turbo tax "web edition" (https://turbotax.intuit.com). This year, as a result of the price increases for people with investments on the "web edition", I am thinking abou...
by ProfessorX
Wed Jan 29, 2014 11:35 am
 
Forum: Personal Finance (Not Investing)
Topic: 2013 TurboTax: Which Product? New Rules?
Replies: 302
Views: 28952

Re: 2013 TurboTax: Which Product? New Rules?

The transfer from 2012 will carry all historical information to 2013. That includes all key data from earlier years provided you used TurboTax in those years. This is no different than year over year transfer that you've done in the past. Bob Meighan, VP TurboTax Thanks! So it doesn't matter if I s...
by ProfessorX
Wed Jan 29, 2014 11:07 am
 
Forum: Personal Finance (Not Investing)
Topic: 2013 TurboTax: Which Product? New Rules?
Replies: 302
Views: 28952

Re: 2013 TurboTax: Which Product? New Rules?

If I have been using the web site for a while, and I use the download purchase this year due to the gauging tactics, then will the program be able to see all my info from previous years? Thanks! What does see mean? I don't use the program, but can you not go look at your 2010 return in the cloud? I...
by ProfessorX
Wed Jan 29, 2014 11:01 am
 
Forum: Personal Finance (Not Investing)
Topic: 2013 TurboTax: Which Product? New Rules?
Replies: 302
Views: 28952

Re: 2013 TurboTax: Which Product? New Rules?

If I have been using the web site for a while, and I use the download purchase this year due to the gauging tactics, then will the program be able to see all my info from previous years? Thanks!
by ProfessorX
Wed Jan 29, 2014 10:10 am
 
Forum: Personal Finance (Not Investing)
Topic: 2013 TurboTax: Which Product? New Rules?
Replies: 302
Views: 28952

Re: Family Inheritance / (Family Feud)

Impossible to say without looking at the specific trust. Who has the legal papers? Your Mom should consult a lawyer.
by ProfessorX
Tue Jan 28, 2014 11:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Family Inheritance / (Family Feud)
Replies: 16
Views: 2309

Re: My annualized returns are better than yours. Why?

Not a troll. Serious seeker/learner. Thank you all for the insight. I am admittedly new here and ignorant, but am quickly learning. My wife and I have been on the actively managed advisor route since 2008. Here's a better snapshot of our financial situation: Emergency fund: 6 months Debt: 40K mortg...
by ProfessorX
Tue Jan 28, 2014 5:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: My annualized returns are WORSE than yours. Why?
Replies: 87
Views: 6358

Re: Age in Bonds - Who Follows a Different Strategy?

I have tenure so I figured I should take some more risk. Currently 20% Bonds. Not counting Social Security
by ProfessorX
Tue Jan 28, 2014 2:06 pm
 
Forum: Investing - Theory, News & General
Topic: Age in Bonds - Who Follows a Different Strategy?
Replies: 132
Views: 6603

Re: Mortgage shopping? Online vs local?

I work at a bank and originate mortgages and I have a few insights here: 1. Your realtor wants you to work with a local lender most likely because a lot of the big banks have gotten really bad raps in the industry (mainly among realtors who see a lot of closings) for not closing on time. This can b...
by ProfessorX
Tue Jan 28, 2014 1:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage shopping? Online vs local?
Replies: 23
Views: 1059

Re: My annualized returns are better than yours. Why?

It sounds like the OP got robbed and was deluded about it. He or she is whistling down the street smiling about a very high risk portfolio with substantially lower than average returns for the level of risk taken.

OP please read the Boglehead wiki and save yourself some money.
by ProfessorX
Tue Jan 28, 2014 1:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: My annualized returns are WORSE than yours. Why?
Replies: 87
Views: 6358

Re: Mortgage shopping? Online vs local?

First point, your realtor (the buyers agent) is primarily concerned with making the transaction happen because that is how they make their money. If the deal doesn't go down then they have wasted a whole lot of time with nothing to show for it. They are not and never will be on your side, even thoug...
by ProfessorX
Tue Jan 28, 2014 12:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage shopping? Online vs local?
Replies: 23
Views: 1059

Re: USAA for term life insurance?

EmergDoc wrote:One of my two policies is with USAA.

How does an insurance policy weasel out of paying for a dead guy? It's pretty black and white. This isn't disability insurance. Did you lie on your application or something?


You see insurance companies trying to do it all the time on TV shows.
by ProfessorX
Thu Jan 23, 2014 10:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: USAA for term life insurance?
Replies: 17
Views: 874

Re: USAA for term life insurance?

Thanks for everyone's comments! I guess I'll wait to see what USAA says after everything is done and the final paperwork is in my hands. If the quote doesn't change I'll use them.
by ProfessorX
Thu Jan 23, 2014 10:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: USAA for term life insurance?
Replies: 17
Views: 874

Re: USAA for term life insurance?

mickeyd wrote:
they say most term policies don't pay if it's a suicide.


I thought that all LI policies had this provision.


The USAA rep told me on a recorded line that they still pay after two years into the policy. I didn't read the paperwork yet though.
by ProfessorX
Thu Jan 23, 2014 9:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: USAA for term life insurance?
Replies: 17
Views: 874

Re: USAA for term life insurance?

USAA also told me they cover you in the case of suicide after the first two years of the policy because a lot of their military members worry about PTSD... Not that anyone wants that but they say most term policies don't pay if it's a suicide.
by ProfessorX
Thu Jan 23, 2014 8:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: USAA for term life insurance?
Replies: 17
Views: 874

USAA for term life insurance?

Anyone use them for term life insurance? I have two questions. I got a very nice quote from them. It was lower than or equal to the best quotes on termforsale.com for someone at in the top health category at my age. Is it OK to just use USAA without getting additional actual quotes? (I took me over ...
by ProfessorX
Thu Jan 23, 2014 4:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: USAA for term life insurance?
Replies: 17
Views: 874

Re: Bought Investor Class by accident at Fidelity

IM takes less time. Very busy.
by ProfessorX
Thu Jan 23, 2014 7:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Bought Investor Class by accident at Fidelity
Replies: 26
Views: 1623

Re: Bought Investor Class by accident at Fidelity

Ok I'm writing to tell you all about the follow up... so I logged in to Fidelity today planning to IM a representative to ask them to convert my shares and to my surprise my account says that I am holding FSTVX, the lower ER shares. I have no idea what happened. Anyway I am happy to be holding the c...
by ProfessorX
Wed Jan 22, 2014 11:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bought Investor Class by accident at Fidelity
Replies: 26
Views: 1623

Re: Bought Investor Class by accident at Fidelity

WillyMcG wrote:One time I could only buy 9000 of Investor class and in a follow-on conversation with Fidelity I was told they convert Investor to Advantage automatically as I exceed 10k and they will send a letter.


Ok, maybe I'll just wait for the automatic conversion then. Even better.
by ProfessorX
Fri Jan 17, 2014 11:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bought Investor Class by accident at Fidelity
Replies: 26
Views: 1623

Re: Bought Investor Class by accident at Fidelity

Thanks for all your help everyone! I'm gonna IM Fido on Monday or Tuesday morning while I'm drinking a cappuccino made by my Jura-Capresso. :D

Their IM service seems to be closed right now. I think they closed at 10PM... just missed it.
by ProfessorX
Fri Jan 17, 2014 11:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bought Investor Class by accident at Fidelity
Replies: 26
Views: 1623

Re: Bought Investor Class by accident at Fidelity

Do they answer the phone at this hour?
by ProfessorX
Fri Jan 17, 2014 9:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bought Investor Class by accident at Fidelity
Replies: 26
Views: 1623

Bought Investor Class by accident at Fidelity

I bought FSTMX instead of FSTVX by accident yesterday. The funds have a 90 day early redemption fee. I want to use the lower ER Advantage class shares. Will Fidelity convert me automatically? What can I do to convert my shares? Thanks!
by ProfessorX
Fri Jan 17, 2014 9:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bought Investor Class by accident at Fidelity
Replies: 26
Views: 1623

Re: thinking about removing the slice and dice from my AA

After some reflection I've decided not to change my AA. Thanks for all your advice!
by ProfessorX
Mon Jan 13, 2014 11:44 am
 
Forum: Investing - Help with Personal Investments
Topic: thinking about removing the slice and dice from my AA
Replies: 19
Views: 1137

Re: thinking about removing the slice and dice from my AA

Thanks again!

Is there any type of low cost or index "Total International Small Value" fund available at Vanguard or Fidelity?
by ProfessorX
Sun Jan 12, 2014 11:24 am
 
Forum: Investing - Help with Personal Investments
Topic: thinking about removing the slice and dice from my AA
Replies: 19
Views: 1137

Re: Bogleheads.org Homepage

Count me as one who thinks the /forum webpage annoying and likes the simplicity of the listing of all the threads on http://www.bogleheads.org I'm a little dubious that new users find the "landing page" hard to figure out. At any rate, in general, I dislike websites that change well estab...
by ProfessorX
Sun Jan 12, 2014 9:24 am
 
Forum: Forum Issues and Administration
Topic: Bogleheads.org Homepage
Replies: 76
Views: 4240

Re: thinking about removing the slice and dice from my AA

I started with slice and dice in 2008. I simplified to VTI and VEU somewhere around 2011-- after reading Jack Bogle's "Common Sense on Mutual Funds", I wasn't sold on the idea of the small cap/value premium. Bogle's advice to buy the haystack stuck with me. Also, I found dealing with more...
by ProfessorX
Sun Jan 12, 2014 9:21 am
 
Forum: Investing - Help with Personal Investments
Topic: thinking about removing the slice and dice from my AA
Replies: 19
Views: 1137

Re: thinking about removing the slice and dice from my AA

I think you should keep the slice and dice. If you want to simplify it, just stop all the rebalancing of the small tilts you have. Forget it's there for the next 30 years. It will probably surprise you how much is there. Just continue to add new contributions into the 3 or 4 fund portfolio you want...
by ProfessorX
Sun Jan 12, 2014 12:17 am
 
Forum: Investing - Help with Personal Investments
Topic: thinking about removing the slice and dice from my AA
Replies: 19
Views: 1137

Re: thinking about removing the slice and dice from my AA

I don't think the slice-and-dice is the issue. It's what you have in the 7 different investment accounts. We have more than 7 accounts, but several of the accounts have a single fund in them. For example, our Vanguard joint account has only Vanguard Large-cap index, an inherited IRA has only Total ...
by ProfessorX
Sun Jan 12, 2014 12:11 am
 
Forum: Investing - Help with Personal Investments
Topic: thinking about removing the slice and dice from my AA
Replies: 19
Views: 1137

Re: thinking about removing the slice and dice from my AA

I'm not a big Value tilt guy, though I do tilt to Mid/Small. But those who do see a value premium agree that it's not there every year. So you have to stay the course if you believe in this... I have seen a big small value premium over the last 2.5 years, so I have gotten it in my time frame. That ...
by ProfessorX
Sun Jan 12, 2014 12:08 am
 
Forum: Investing - Help with Personal Investments
Topic: thinking about removing the slice and dice from my AA
Replies: 19
Views: 1137

Re: thinking about removing the slice and dice from my AA

I am probably 30 years from retirement. I have been into it for the past two years somewhat. Thanks.
by ProfessorX
Sat Jan 11, 2014 11:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: thinking about removing the slice and dice from my AA
Replies: 19
Views: 1137

thinking about removing the slice and dice from my AA

For the last two and a half years, since I started index investing, I have had a slice and dice portfolio that included six funds: Vanguard Emerging Markets Stock Index Fund Institutional Shares Vanguard REIT Index Fund Investor Shares Vanguard Small-Cap Value Index Fund Vanguard Total International...
by ProfessorX
Sat Jan 11, 2014 11:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: thinking about removing the slice and dice from my AA
Replies: 19
Views: 1137

Re: How much a baby costs?

Double post
by ProfessorX
Mon Jan 06, 2014 3:57 pm
 
Forum: Personal Consumer Issues
Topic: How much a baby costs?
Replies: 86
Views: 4036

Re: How much a baby costs?

And 8 or 9 diapers a day sounds excessive to me. That's one every 2 to 3 hours. Diaper technology was much better than that 20 years ago. Actually that is very accurate for a newborn. As they say, if its yellow let it mellow but if its blackish green, change it! Meconium works its way out in a coup...
by ProfessorX
Mon Jan 06, 2014 3:56 pm
 
Forum: Personal Consumer Issues
Topic: How much a baby costs?
Replies: 86
Views: 4036

Re: Best Calender App For the Ipad???

The apple one.
I usually find apples apps to be superior to 3rd party apps on Apple hardware.
by ProfessorX
Mon Jan 06, 2014 3:51 pm
 
Forum: Personal Consumer Issues
Topic: Best Calender App For the Ipad???
Replies: 4
Views: 369

Re: 1st Time Investor--Fidelity or Vanguard?

This question gets asked a lot around this forum. I have accounts at both places, I actively use both places, and I like both places and I plan to stay at both places. I will try not to repeat what other people have already said and instead just add my own 2c about my personal experience. Vanguard h...
by ProfessorX
Sat Jan 04, 2014 9:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: 1st Time Investor--Fidelity or Vanguard?
Replies: 60
Views: 5331

Re: [Poll] What was your 2013 return?

Anyway to retroactively check my exact balances on 12/31/13?
by ProfessorX
Sat Jan 04, 2014 1:38 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] What was your 2013 return?
Replies: 209
Views: 8535

Re: Any advice on recent identity theft?

Were you a Target customer? They got hacked and 40 million cc and debit card accounts were compromised between Nov. 27th and Dec 15th. http://www.businessinsider.com/target-investigating-black-friday-data-breach-2013-12#ixzz2nxc9rC4g Yeah I heard about that. I had no charges from Target on my CC. T...
by ProfessorX
Thu Dec 19, 2013 6:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any advice on recent identity theft?
Replies: 13
Views: 826
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