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Re: need advice on soon to retire parents

I am not fully thrilled at taking on this responsibility because we all know the market will drop one day and I don't want them blaming me for any lost assets. They say they wont, but who knows what reality will bring. Historically in the several recessions they have been investing in, they have no...
by Sidney
Sat Aug 16, 2014 7:46 am
 
Forum: Investing - Help with Personal Investments
Topic: need advice on soon to retire parents
Replies: 8
Views: 1188

Re: 3.3% Vanguard 10 year CD

skepticalobserver wrote:Yes, you are missing something. A good trial law heeds this advice.

That's all well and good but we are not witnesses, this isn't a trial and there is no jury.
by Sidney
Thu Aug 14, 2014 9:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3.3% Vanguard 10 year CD
Replies: 90
Views: 8035

Re: Golf School Recommendations, East Coast?

RooseveltG wrote:I am new to golf and have not improved with self instruction. Can anyone recommend good golf schools in the eastern half of the US?

Thanks in advance.

Roosevelt.

Many public courses have golf pros who give lessons. Have you considered that option?
by Sidney
Thu Aug 14, 2014 2:54 pm
 
Forum: Personal Consumer Issues
Topic: Golf School Recommendations, East Coast?
Replies: 11
Views: 697

Re: More yield chasing - securitized delinquent mortgages

thx1138 wrote:it sure seems like another sign of rampant yield chasing in the markets these days!


I read the article in the morning paper. That was my take as well. The article pretty much stated that.

But the demand is expected to grow as institutional investors search for yield
by Sidney
Thu Aug 14, 2014 2:23 pm
 
Forum: Investing - Theory, News & General
Topic: More yield chasing - securitized delinquent mortgages
Replies: 2
Views: 225

Re: Do you hold cash/money market outside of your emergency

I would be inclined to account for working capital for your business as a separate set of accounts from your personal capital.
by Sidney
Thu Aug 14, 2014 1:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you hold cash/money market outside of your emergency fund
Replies: 31
Views: 1963

Re: Do you hold cash/money market outside of your emergency

I see different advice in articles varying from 0% of portfolio to 15-20%. Also, is anyone investing in MM/CDs rather than bonds in anticipation of a rate hike? Forgive me if these are dumb questions. I'm trying to get a grasp on the non-equity allocation of my portfolio. There is no right answer t...
by Sidney
Thu Aug 14, 2014 9:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Do you hold cash/money market outside of your emergency fund
Replies: 31
Views: 1963

Re: 3.3% Vanguard 10 year CD

skepticalobserver wrote:you’ll never get what you paid for them.


That's why it is called a spread.
by Sidney
Thu Aug 14, 2014 8:59 am
 
Forum: Investing - Help with Personal Investments
Topic: 3.3% Vanguard 10 year CD
Replies: 90
Views: 8035

Re: Where do you store your important documents?

Our originals (wills) are held by the law firm that prepared them.

I have a copy and key relatives have the name, address and phone number of the firm.
by Sidney
Tue Aug 12, 2014 1:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where do you store your important documents?
Replies: 38
Views: 3184

BI: High Yield six-sigma event

http://www.businessinsider.com/high-yield-fund-outflows-a-6-sigma-event-2014-8 I don't usually read investing news but I loved this quote: "[T]he US high yield house is not burning down," said UBS's Matthew Mish. "The real panic will come with a more severe downturn in credit and econ...
by Sidney
Tue Aug 12, 2014 12:23 pm
 
Forum: Investing - Theory, News & General
Topic: BI: High Yield six-sigma event
Replies: 24
Views: 2007

Re: Where to buy little plastic bottles?

Drugstores usually have them. I get them at CVS.
by Sidney
Mon Aug 11, 2014 8:22 am
 
Forum: Personal Consumer Issues
Topic: Where to buy little plastic bottles?
Replies: 24
Views: 1599

Re: Two factor identification and your password safe

So can a keylogger detect the file I select on the login screen as the 2nd part of my "password"? It is my understanding that it is preferable to have the 2nd factor be different for each login. I understand the issue with losing the picture. I wouldn't worry about it except for an encryp...
by Sidney
Sun Aug 10, 2014 3:37 pm
 
Forum: Personal Consumer Issues
Topic: Two factor identification and your password safe
Replies: 31
Views: 1985

Re: Two factor identification and your password safe

Unfortunately two-factor is not nearly invincible. All they have to do is take over your computer and then wait for you to log in. Once you've done the two-factor authentication for them, they can do anything you can. Keeping a low profile will reduce this risk. I use a Linux bootable USB drive whe...
by Sidney
Sun Aug 10, 2014 3:20 pm
 
Forum: Personal Consumer Issues
Topic: Two factor identification and your password safe
Replies: 31
Views: 1985

Re: 3.3% Vanguard 10 year CD

1) Why not purchase annuities (SPIA or SPDA) then? @ age 40 [guessing here], a $100K investment gets you ~400/month for life immediately... It might not be the totality of your portfolio but it could be an attractive based if $1K/month income is your goal. 2) You might want to spend more time think...
by Sidney
Sun Aug 10, 2014 1:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3.3% Vanguard 10 year CD
Replies: 90
Views: 8035

Re: Dividend Strategy Ain't For Everyone

nedsaid wrote: A business owner takes cash out of his business to live on and doesn't sell off his interest in his company in little pieces bit by bit.


Often. Startup entrepreneurs often sell off slices to keep enough money flowing to both pay their rent and sustain the business.
by Sidney
Sun Aug 10, 2014 12:26 pm
 
Forum: Investing - Theory, News & General
Topic: Dividend Strategy Ain't For Everyone
Replies: 149
Views: 10415

Re: What are you doing re charitable giving (money, not time

A few years ago I consolidated the bulk of my giving through my company's United Way campaign for 3 reasons: I can select any qualified charity I have always wondered if this is just a marketing ploy by UW. Money is fungible, so, to the extent that people designate amounts to specific charities, do...
by Sidney
Sun Aug 10, 2014 12:12 am
 
Forum: Personal Consumer Issues
Topic: What are you doing re charitable giving (money, not time)
Replies: 26
Views: 1503

Re: cash reserves

No, you're welcome.
by Sidney
Sat Aug 09, 2014 5:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: cash reserves
Replies: 19
Views: 1825

Re: Poll: What's the name of Argentina's stock market?

nisiprius wrote:My point (which may get undercut if an overwhelming number of people give the correct answer!) is that really we need to have some humility about our understanding of international finance.

Is that why there is no option for those who don't know and are willing to admit it?
by Sidney
Sat Aug 09, 2014 8:26 am
 
Forum: Investing - Theory, News & General
Topic: Poll: What's the name of Argentina's stock market?
Replies: 37
Views: 2234

Re: Dividend Strategy Ain't For Everyone

This is accurate ONLY when the market ALWAYS trades at a P/B of 1 without any fluctuations. You are not paying whatever the company is worth in terms of book value you are paying whatever the market is willing to sell the stock for. I guess the best strategy is to not hold the stock at all. Just bu...
by Sidney
Fri Aug 08, 2014 9:11 pm
 
Forum: Investing - Theory, News & General
Topic: Dividend Strategy Ain't For Everyone
Replies: 149
Views: 10415

Re: Dividend Strategy Ain't For Everyone

My take is, it's an illusion because, while you aren't ACTIVELY selling part of your shares when the market is down, the company is paying you a certain amount of it's equity as a dividend. You are effectively passively selling a portion your shares. And really, that's the basic point of all of thi...
by Sidney
Fri Aug 08, 2014 4:40 pm
 
Forum: Investing - Theory, News & General
Topic: Dividend Strategy Ain't For Everyone
Replies: 149
Views: 10415

Re: Your Favorite charity organization...? please

I have recently been looking into this question, as I've slowed/stopped charitable contributions now but want to add to my will. The Gates Foundation will accept unsolicited donations that follow strict guidelines. The foundation is a much wiser and more thorough donor than I could be, so I'm think...
by Sidney
Fri Aug 08, 2014 12:38 pm
 
Forum: Personal Consumer Issues
Topic: Your Favorite charity organization...? please
Replies: 91
Views: 3933

Re: Dividend Strategy Ain't For Everyone

Why do you need to sell stocks in a down market? I am 85 equities/15% fixed which generates increasing income each year. Spending dividend income is identical to selling stock. In fact, it is economically equivalent to selling a specific lot of stock that has zero cost basis. I have no taxation on ...
by Sidney
Fri Aug 08, 2014 12:30 pm
 
Forum: Investing - Theory, News & General
Topic: Dividend Strategy Ain't For Everyone
Replies: 149
Views: 10415

Re: Finding witnesses for a trust document

We had an para-legal from the same firm that did our wills witness the documents. The PL had not worked on the docs but I doubt that made any difference. As far as I know, they are only witnessing your signature, not the content of the doc.
by Sidney
Fri Aug 08, 2014 9:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Finding witnesses for a trust document
Replies: 31
Views: 1212

Re: Dividend Strategy Ain't For Everyone

manwithnoname wrote:Why do you need to sell stocks in a down market? I am 85 equities/15% fixed which generates increasing income each year.

Spending dividend income is identical to selling stock. In fact, it is economically equivalent to selling a specific lot of stock that has zero cost basis.
by Sidney
Fri Aug 08, 2014 9:01 am
 
Forum: Investing - Theory, News & General
Topic: Dividend Strategy Ain't For Everyone
Replies: 149
Views: 10415

Re: Telephone Calls! Help!

Caller ID? Looking up numbers? Why waste any of your time? Just don't answer the phone. Let your machine record a message if they leave one. If they don't leave a message, so much the better. Our phone allows us to customize the ring based on the incoming caller ID. So if it is a family member or s...
by Sidney
Fri Aug 08, 2014 12:26 am
 
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Telemarketing phone calls]
Replies: 97
Views: 5707

Re: Dividend Strategy Ain't For Everyone

nedsaid wrote: The idea is to not sell your stocks in down markets.

Right, the idea is to buy more stock in down market by selling bonds. Except for those with high/all equity portfolios, the worry about having to "sell stocks in down markets" shouldn't be a real worry.
by Sidney
Thu Aug 07, 2014 11:55 pm
 
Forum: Investing - Theory, News & General
Topic: Dividend Strategy Ain't For Everyone
Replies: 149
Views: 10415

Re: Investing In A Specific Country

iShares has a couple Brasil ETFs, I think.
by Sidney
Sat Aug 02, 2014 12:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing In A Specific Country
Replies: 3
Views: 350

Re: How Much Did You Lose Today?

sscritic wrote:You confused me with your 0.2%. That was my loss today's today, not yesterday's today.

If you had posted before today's (that's today's today, not yesterday's today) close, I wouldn't have been confused (as much).

That was today's loss or the todays' loss? One is cumulative.
by Sidney
Fri Aug 01, 2014 9:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 14025

Re: How Much Did You Lose Today?

Now you might start checking the values at some point like Year 15 and liquidate early if the stock market is way up. That is about the only reason to be checking, i.e. if you have some plan to sell if your goal is reached ahead of schedule. People nearing retirement maybe should be checking their ...
by Sidney
Fri Aug 01, 2014 12:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 14025

Re: How Much Did You Lose Today?

Now you might start checking the values at some point like Year 15 and liquidate early if the stock market is way up. That is about the only reason to be checking, i.e. if you have some plan to sell if your goal is reached ahead of schedule. People nearing retirement maybe should be checking their ...
by Sidney
Fri Aug 01, 2014 11:44 am
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 14025

Re: Inherited accounts

The point is, for a sizable amount, this won't work. 2. If one disburses more than $14K, the whole point is to avoid the gift tax, and it seems there is no way aroud this even though the deceased intended to distribute it to more than one person as stated in the Will, yet the details of the Will ar...
by Sidney
Fri Aug 01, 2014 11:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Inherited accounts
Replies: 42
Views: 2181

Re: Central AC replacement decision

mikep wrote:Replace it in the spring/fall/winter, you will get a lot more than the 10% off of peak pricing now. Especially if it is working fine.

In winter, at least in my area, AC contractors are also heating contractors.
by Sidney
Fri Aug 01, 2014 10:35 am
 
Forum: Personal Consumer Issues
Topic: Central AC replacement decision
Replies: 54
Views: 3942

Re: Tell me why I shouldn't buy individual muni bonds

I agree with you about the bid/ask issue. If I did buy some individual bonds, I'd buy them when they're offered and hold them to maturity. Assuming efficient markets, wouldn't the price of the bonds and their interest rates reflect all of the hidden gotchas? Would fund buyers to be able to get bett...
by Sidney
Tue Jul 29, 2014 1:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tell me why I shouldn't buy individual muni bonds
Replies: 32
Views: 2350

Re: Do Bogleheads Ladder CDs Anymore?

I didn't answer. I inferred that you were thinking of still although you didn't use the word. Since I never did, I can neither still nor not still. Or was your question one for the collective and not for the individual? If your question was for the collective, you can count my vote as no, not now, ...
by Sidney
Sun Jul 27, 2014 11:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Do Bogleheads Ladder CDs Anymore?
Replies: 25
Views: 2398

Re: What is it like to live in Charlottesville, VA?

This will give you and idea on averages

http://www.weather.com/weather/wxclimat ... h/USVA0143

Warm and humid in the summer - not as bad as DC
by Sidney
Sat Jul 26, 2014 11:55 am
 
Forum: Personal Finance (Not Investing)
Topic: What is it like to live in Charlottesville, VA?
Replies: 20
Views: 1944

Re: What is it like to live in Charlottesville, VA?

Right now it is 80 degrees and mostly cloudy.
by Sidney
Sat Jul 26, 2014 11:51 am
 
Forum: Personal Finance (Not Investing)
Topic: What is it like to live in Charlottesville, VA?
Replies: 20
Views: 1944

Re: Experimenting with LibreOffice Calc [Importing fund pric

LadyGeek wrote:^^^ You also don't have any privacy...

If you use a separate Google account with nothing linking it to your name, who will know what about you?
by Sidney
Sat Jul 26, 2014 11:36 am
 
Forum: Investing - Theory, News & General
Topic: Experimenting with LibreOffice Calc [Importing fund prices]
Replies: 15
Views: 736

Re: Better to not rollover 401k to IRA for better protection

Thanks hoppy. I have just rolled over the 401k into an existing IRA. I'm not sure if the existing IRA was pretax as the amount is from years ago. Is there a way to check? Thanks again for your guidance. John If the IRA was pre-tax you should be able to reconcile the contributions on your statements...
by Sidney
Sat Jul 26, 2014 11:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Better to not rollover 401k to IRA for better protection?
Replies: 16
Views: 1191

Re: Experimenting with LibreOffice Calc [Importing fund pric

Why not change it to Google Docs? Then you have revision control and cloud backup.
by Sidney
Sat Jul 26, 2014 11:21 am
 
Forum: Investing - Theory, News & General
Topic: Experimenting with LibreOffice Calc [Importing fund prices]
Replies: 15
Views: 736

Re: RMD's

brak wrote: And where can I find some good reading on how RMDs work

I would start with IRS Publication 590 which is available via the IRS web site

www.irs.gov
by Sidney
Sat Jul 26, 2014 9:51 am
 
Forum: Investing - Help with Personal Investments
Topic: RMD's [Required Minimum Distributions]
Replies: 11
Views: 1085

Re: Android smartphone with physical keyboard

Even for texting, if you send lots of them, a physical keyboard is far superior in my experience. It took me a little while to convert from a Blackberry physical keyboard but eventually I got used to the virtual KB. The key for me was to really lighten up the touch. Also, my screen protector provid...
by Sidney
Fri Jul 25, 2014 11:55 am
 
Forum: Personal Consumer Issues
Topic: Android smartphone with physical keyboard
Replies: 38
Views: 1866

Re: POLL: Do you own corporate bonds?

I own them as part of Investment Grade funds. But that wasn't an option in the poll.
by Sidney
Fri Jul 25, 2014 11:43 am
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you own corporate bonds?
Replies: 35
Views: 2138

Re: Gardening question

We just get a bag of top soil, throw in a little sand and peat moss (or compost if we have it) and mix it well. Seems to do fine.
by Sidney
Thu Jul 24, 2014 11:56 am
 
Forum: Personal Consumer Issues
Topic: Gardening question
Replies: 6
Views: 686

Re: 35K maximum retirement contribution a year for a person?

DonCamillo wrote:But when I stop working, the RMD will be substantial.


Unless you stop early and convert out to ROTH for a while.
by Sidney
Tue Jul 22, 2014 6:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: 35K maximum retirement contribution a year for a person?
Replies: 16
Views: 1481

Re: If Argentina Defaults

You might be better off investing it in Argentinian wine. Even if it doesn't appreciate in value, you can always drink it.
by Sidney
Tue Jul 22, 2014 5:48 pm
 
Forum: Investing - Theory, News & General
Topic: If Argentina Defaults
Replies: 21
Views: 2026

Re: 35K maximum retirement contribution a year for a person?

Wow, so that means I will pay very little in taxes if any since I only make 42K. Because after pension, health insurance and other stuff nothing left to tax. You have no living expenses??????????? Taxable accounts maybe. I put away 90% of my pre-tax during my part-time years prior to full retirement.
by Sidney
Tue Jul 22, 2014 4:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: 35K maximum retirement contribution a year for a person?
Replies: 16
Views: 1481

Re: P/E Ratio: How do YOU interpret/use it?

Rodc wrote:In retirement it might have some value in that when something like P/E10 is high be careful about how much you sell to generate income because the size of your portfolio just might be artificially high.

So you think buying low and selling high is a bad idea?
by Sidney
Tue Jul 22, 2014 11:43 am
 
Forum: Investing - Theory, News & General
Topic: P/E Ratio: How do YOU interpret/use it?
Replies: 26
Views: 1366

Re: P/E Ratio: How do YOU interpret/use it?

gkaplan wrote:I don't interpret it, and I don't use it.

This
by Sidney
Tue Jul 22, 2014 8:25 am
 
Forum: Investing - Theory, News & General
Topic: P/E Ratio: How do YOU interpret/use it?
Replies: 26
Views: 1366

Re: how often do you look at your account

I'm surprised to see so many people checking frequently due to concerns about fraud. Has there been a lot of fraud with Vanguard accounts being accessed without authorization? I didn't realize that was a significant issue. It only takes 15-30 seconds. I try to check banks, credit cards etc a couple...
by Sidney
Mon Jul 21, 2014 5:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: how often do you look at your account
Replies: 70
Views: 3653

Re: Vanguard Client Dispute Resolution Dept.

client -p wrote:That's why I was just trying to find out if anyone else's had a similar experience to mine at VGd or has suggestions about how to address it.

Almost impossible to say since you have told us virtually nothing about it.
by Sidney
Mon Jul 21, 2014 4:08 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Client Dispute Resolution Dept.
Replies: 10
Views: 1635
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