Search found 277 matches

Return to advanced search

Re: Beware Vanguard DOES NOT update all your account values

Livesoft,

That's a great find. While I'm with Fidelity, I sure hope Vanguard fixes this.

:sharebeer
by Spades
Sat Apr 19, 2014 10:45 am
 
Forum: Investing - Theory, News & General
Topic: Beware Vanguard DOES NOT update all your account values
Replies: 56
Views: 5588

Re: Risks and costs of Tax Loss Harvesting

I haven't ever used a TLH strategy, but I know that if/when I position myself to have taxable investments again, I will do so in a manner that will allow me to immediately repurchase a similar but not substantially identical investment. I don't personally like the 'out of the market for 31 days' me...
by Spades
Thu Feb 27, 2014 9:58 am
 
Forum: Investing - Theory, News & General
Topic: Risks and costs of Tax Loss Harvesting
Replies: 18
Views: 1500

Re: Risks and costs of Tax Loss Harvesting

Thank you for the response DBR. I think your recommendation for not worrying about being out the market for 1/12th of the time is a good one. I would like to point out that I listed both costs and risks. The certainties are the costs, or benefits. What do you think is a reasonable opportunity for TL...
by Spades
Mon Feb 24, 2014 11:00 am
 
Forum: Investing - Theory, News & General
Topic: Risks and costs of Tax Loss Harvesting
Replies: 18
Views: 1500

Re: Risks and costs of Tax Loss Harvesting

Just a quick update since I've submitted my taxes. I'm happy to report that Tax Loss Harvesting lowered my income a decent amount this year. Hopefully, if the situation arises for more TLH this year I can move the funds into a reallocation to my Asset Allocation Plan.

:sharebeer
by Spades
Mon Feb 24, 2014 9:50 am
 
Forum: Investing - Theory, News & General
Topic: Risks and costs of Tax Loss Harvesting
Replies: 18
Views: 1500

Re: If you were retired, how would you spend your time?

Great thread.

1. I'm going to start a small business to keep me occupied

2. Volunteer more (church probably)

3. Spend time with family

4. Drink beer and sit on a rocking chair

:sharebeer
by Spades
Thu Nov 21, 2013 8:01 am
 
Forum: Personal Consumer Issues
Topic: If you were retired, how would you spend your time?
Replies: 90
Views: 7264

Re: Allan Roth Investigative Reporting -- Wow.

Great article. I really appreciated the thoroughness of the follow through of the author. It shows motivation and wisdom.

:sharebeer
by Spades
Mon Oct 14, 2013 11:30 am
 
Forum: Investing - Theory, News & General
Topic: Allan Roth Investigative Reporting -- Wow.
Replies: 18
Views: 2960

Re: TSP Lazy Porfolio with 4 funds

When I read that it makes me feel better about the long term viability of the Roth IRA's in general. So I'm trolling through old updated threads I haven't read for awhile. +1, I didn't think about that. It makes a lot of sense that the Roth IRA will be politically protected more now since it is par...
by Spades
Sun Oct 13, 2013 8:23 pm
 
Forum: Investing - Theory, News & General
Topic: TSP Lazy Porfolio with 4 funds
Replies: 41
Views: 4542

Re: TSP Lazy Porfolio with 4 funds

Additionally, what are fellow TSP'ers thoughts on not even using G or F funds? At 44 and 20+ years of service, aside from the first couple of years everything has been in C, S, and I, even the down years around 2008. I know there's the rule of thumb about having a bond percentage equivalent to your...
by Spades
Tue Sep 17, 2013 8:32 pm
 
Forum: Investing - Theory, News & General
Topic: TSP Lazy Porfolio with 4 funds
Replies: 41
Views: 4542

Re: I just don't get this rise in interest rates

I think our best guess is because everyone thinks that rates will go up when QE stops. So rates are going up because people are demanding lower prices on bonds now because they say they'll just wait till QE stops.

Nice avatar Johnny Ringo; I'm your huckleberry.

:sharebeer
by Spades
Thu Sep 05, 2013 4:18 pm
 
Forum: Investing - Theory, News & General
Topic: I just don't get this rise in interest rates
Replies: 104
Views: 7086

Re: Risks and costs of Tax Loss Harvesting

I would have no problems doing TLH of a bond fund ... if I had a bond fund in a taxable account and it lost money. Indeed, I would not buy any fund in taxable unless I already had earmarked the fund that I would use to TLH it. For example, suppose I bought Vanguard Total Bond Market Index in taxabl...
by Spades
Mon Aug 26, 2013 8:35 pm
 
Forum: Investing - Theory, News & General
Topic: Risks and costs of Tax Loss Harvesting
Replies: 18
Views: 1500

Re: Choice Of Weapon For Personal Home Self Defense

From the FBI: 703.2 burglaries per 100,000 people annually. So your chance is about .7%. Of those 60% are forcible entries meaning if someone is coming to burglarize you're home they are most liking bringing force and violence with them. Thus, you need the ability to respond to their force and viole...
by Spades
Mon Aug 26, 2013 9:00 am
 
Forum: Personal Consumer Issues
Topic: Choice Of Weapon For Personal Home Self Defense
Replies: 123
Views: 5958

Risks and costs of Tax Loss Harvesting

Howdy All, So I did my first round of purposeful tax loss harvesting (TLH) with my bonds. I was curious what everyone thought were the risk and costs of TLH. Risks: 1. The biggest risk I can think of is if the investments that are sold are repurchased at a new price greater than the net tax savings....
by Spades
Mon Aug 26, 2013 8:37 am
 
Forum: Investing - Theory, News & General
Topic: Risks and costs of Tax Loss Harvesting
Replies: 18
Views: 1500

Re: Choice Of Weapon For Personal Home Self Defense

I agree with the shotgun recommendations. That is a great personal defense weapon and the racking of a round will help deter people as well. I also recommend a good fixed blade knife because you might run out of ammo. For the crazy folks like me.... get a side arm with a aiming point laser filled wi...
by Spades
Mon Aug 26, 2013 8:33 am
 
Forum: Personal Consumer Issues
Topic: Choice Of Weapon For Personal Home Self Defense
Replies: 123
Views: 5958

Re: USAA disappoints!

Oh if the munchkin man is making comments here we must be onto something. I still think USAA's customer service is great. I used them two days ago when the State of Georgia [messed up --admin LadyGeek] and said my insurance was expired and wanted to charge me. USAA sent my information to Georgia and...
by Spades
Wed Aug 14, 2013 8:41 pm
 
Forum: Personal Consumer Issues
Topic: USAA disappoints!
Replies: 67
Views: 5549

Re: Frugal vs. do it yourself

I need exercise, so I do yardwork. My doctor said that walking, bending, digging and lifting is just what my body needs, plus I breathe in fresh air, get some sunshine and do not get exposed to bad air and germs in a gym. Hmm, health and fitness benefits. I need to think about those too, but I love...
by Spades
Sun Aug 11, 2013 11:03 am
 
Forum: Personal Consumer Issues
Topic: Frugal vs. do it yourself
Replies: 41
Views: 3708

Re: Frugal vs. do it yourself

Paying someone else to do yard work is one of the most enjoyable things I spend money on. I hate yard work. I've seen plumbers work replacing water heaters and such, the things a pro can do in an hour would take me all day (and I still may not get it right). I'll fix my own computer, if my car's &q...
by Spades
Sun Aug 11, 2013 8:22 am
 
Forum: Personal Consumer Issues
Topic: Frugal vs. do it yourself
Replies: 41
Views: 3708

Re: Frugal vs. do it yourself

I am not handy at all, but I pretty much refuse to pay anybody to do something I am capable of doing myself even if technically my time is worth more than what I would be spending to have a "professional" handle it. That's what I'm thinking, it's finding the unskilled chores like cleaning...
by Spades
Sun Aug 11, 2013 8:20 am
 
Forum: Personal Consumer Issues
Topic: Frugal vs. do it yourself
Replies: 41
Views: 3708

Frugal vs. do it yourself

Howdy All, I was just wanting to try and see what ideas y'all had that were frugal in long run that focused on having other people doing the work. The idea popped in my head while I was reading The Millionaire Mind. For example, I hire a plumber to fix my water heater and all other plumbing stuff. I...
by Spades
Sat Aug 10, 2013 7:24 pm
 
Forum: Personal Consumer Issues
Topic: Frugal vs. do it yourself
Replies: 41
Views: 3708

Re: Is this a good rental property? Would you buy?

As a renter, I would use the RUBs system. I like paying my own utility bills and puts responsibility on the renter. You want to encourage responsible renters going into your place. How much area is there for mowing? Renters in a duplex setting don't want to take care of a yard much. Is the area a de...
by Spades
Sun Jul 21, 2013 11:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Is this a good rental property? Would you buy?
Replies: 25
Views: 1483

Re: Shoe recommendation

No idea. I wear boots and athletic shoes for work now, but when I was a car hop I used Rock port grandpa style shoes. I'd give Rock port a try.

:sharebeer
by Spades
Sun Jul 21, 2013 11:37 am
 
Forum: Personal Consumer Issues
Topic: Shoe recommendation
Replies: 20
Views: 2912

Re: 24 year old new to investing

Wow, good replies! I live in Chicago, Illinois. Now to read up on some of these links you've all posted, and research how much Emerging Markets is included within the International fund my 401k plan has. :D Sorry to hear you live surrounded by cubs, Go Cardinals! :twisted: If you have any problems ...
by Spades
Thu Jul 18, 2013 7:51 am
 
Forum: Investing - Help with Personal Investments
Topic: 24 year old new to investing
Replies: 11
Views: 1363

Re: 24 year old new to investing

In my opinion your proposed allocation to Emerging Markets is way too high. Remember that Total Int'l is already 16% Emerging Markets, VTIAX, on Morningstar , (15 X .16 = 2.4), so adding that the amount of Emerging Mkts fund you propose (10%) gives you a total of about 50% of your international in ...
by Spades
Tue Jul 16, 2013 4:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: 24 year old new to investing
Replies: 11
Views: 1363

Re: 24 year old new to investing

Kevin, Sounds great. If you're looking at emerging markets here are two recent articles by Larry Swedroe you might want to read. http://www.cbsnews.com/8301-505123_162-57564107/should-you-be-active-in-emerging-markets/ http://seekingalpha.com/article/1081411-larry-swedroe-positions-for-2013-resist-t...
by Spades
Tue Jul 16, 2013 7:43 am
 
Forum: Investing - Help with Personal Investments
Topic: 24 year old new to investing
Replies: 11
Views: 1363

Re: 24 year old new to investing

Index Allocation Strategy for next few years is… Small Cap Value 25% (Expense Ratio: 0.24) – Roth IRA Total International 25% (Expense Ratio: 0.10) – Company Roth 401k Large Cap Value 15% (Expense Ratio: 0.08) – Company Roth 401k Small Cap Index 20% (Expense Ratio: 0.06) – Company Roth 401k Large G...
by Spades
Fri Jul 12, 2013 9:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: 24 year old new to investing
Replies: 11
Views: 1363

Re: Reverse mortgages, are they good, bad or ??

My first impression would be that they are terrible and lead to the loss of your home no matter what. Why not sell the house and move into a cheaper living space that is affordable and stable? I had a family do just that by selling her home and moving into a retirement community apartment. :sharebeer
by Spades
Sun Jul 07, 2013 4:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reverse mortgages, are they good, bad or ??
Replies: 9
Views: 1594

Re: Bogleheads Without Avatars

htdrag11 wrote:Done, but it's not painless.


I've heard you can't teach old dogs new tricks, but what about cats?

:sharebeer
by Spades
Sun Jul 07, 2013 4:07 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads Without Avatars
Replies: 197
Views: 14311

Re: Bogleheads Without Avatars

I don't know... a standard start avatar will make it more confusing to figure out who is posting to me because a lot of people will have the same avatar.

I like the way it is. Let people who want avatars to put them up. Still, it is easier when people have avatars.

:sharebeer
by Spades
Thu Jun 27, 2013 7:04 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads Without Avatars
Replies: 197
Views: 14311

Re: Holding on bonds. You agree?

The fed has said that they will continue buying bonds til at least the fall of this year and not raise interest rates til next year . The drop you are seeing in bonds is from everybody panic selling, not interest rates. It could also be that people who are buying are saying, sell to me at this rate...
by Spades
Sun Jun 23, 2013 3:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Holding onto bonds. You agree?
Replies: 31
Views: 3554

Re: "Why yes, yes I am."

After reading hundreds (thousands?) of successful Bogleheads post here over the past half dozen years or so, I think the common thread that occurs in all of their tales of success is that they started saving/investing early and often. It's not magic; just common sense. Agreed. Assumer, I think you ...
by Spades
Sun Jun 23, 2013 3:46 pm
 
Forum: Personal Consumer Issues
Topic: "Why yes, yes I am."
Replies: 39
Views: 6709

Re: U.S. stocks in freefall

ofcmetz wrote:
Rick Ferri wrote:Darn! My US total stock market index fund is only up 12% for the year now. How can I live on that? :wink:

Rick Ferri



Stop putting things in perspective :oops:

This thread is about running for the hills to avoid the doom!


+1 for both of y'all

:sharebeer
by Spades
Thu Jun 20, 2013 7:37 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 742
Views: 125695

Re: Survivorship bias essay

There are literally thousands of stock indexes, and there must in fact be indexes that have been discontinued... and index funds and ETFs that have been discontinued. Here's one I just found. http://www.indexuniverse.com/sections/news/18856-first-trusts-fdv-folds-into-new-etf-monday.html It looks l...
by Spades
Tue Jun 18, 2013 9:06 pm
 
Forum: Investing - Theory, News & General
Topic: Survivorship bias essay
Replies: 3
Views: 487

Survivorship bias essay

I read an interesting eassy on Survivorship bias here: http://youarenotsosmart.com/2013/05/23/ ... ship-bias/

Any ideas on how we can collect data on bad index investing strategies to make ourselves better?

:sharebeer
by Spades
Tue Jun 18, 2013 8:29 am
 
Forum: Investing - Theory, News & General
Topic: Survivorship bias essay
Replies: 3
Views: 487

Re: Bond Funds Tanking

PS56k,

How did you get the legend from your chart to show? Are you using M*? It's very interesting to see the change in your graphs when May began. Did something happen in May?

:sharebeer
by Spades
Mon Jun 17, 2013 7:55 am
 
Forum: Investing - Theory, News & General
Topic: Bond Funds Tanking
Replies: 99
Views: 7984

Re: Bond Funds Tanking

Alright here goes my first attempt to put a M* chart on here.... http://globalquote.morningstar.com/globalcomponent/GenerateStockChart.ashx?chart=custom&w=955&h=266&range=2013-5-19|2013-6-14&ticker=ARCX%3ANKY%2CXNAS%3AVBMFX&color=0|3|&lan=en-US&region=USA&cfg=GF:7&...
by Spades
Sun Jun 16, 2013 8:35 am
 
Forum: Investing - Theory, News & General
Topic: Bond Funds Tanking
Replies: 99
Views: 7984

Re: Bond Funds Tanking

Another thing I'd like to add. It is always a puzzle. I have posted before on the "two-humped camel," bond interest rates go through cycles that are so slow that there have only been two complete cycles since 1900. Certainly one cannot ignore the likelihood, the seeming certainty that one...
by Spades
Sat Jun 15, 2013 6:43 am
 
Forum: Investing - Theory, News & General
Topic: Bond Funds Tanking
Replies: 99
Views: 7984

Re: Frontline--The Retirement Gamble

Interesting. Hard to believe that lower compensation correlates with poor 401k investment choices. I think you're implying that lower-paid employees are less educated and therefore make poor choices because of that. But i think it's more likely that the correlation isn't due to education but rather...
by Spades
Thu Jun 13, 2013 11:32 am
 
Forum: Investing - Theory, News & General
Topic: Frontline--The Retirement Gamble
Replies: 318
Views: 34283

Re: Frontline--The Retirement Gamble

Good article. I agree the Frontline piece was trying to scare it's viewers, but that was probably to keep them watching and interested. The author is right in that Frontline could have expanded how Americans can start saving, why we save so little, and how to involve that with retirement plans. I'm ...
by Spades
Wed Jun 12, 2013 9:26 pm
 
Forum: Investing - Theory, News & General
Topic: Frontline--The Retirement Gamble
Replies: 318
Views: 34283

Re: The Boglehead Car -- What is It?

Ugh, how often have we argued on this?! I'm a conflicted man.... I want an H1 and a prius.....

:sharebeer
by Spades
Tue Jun 04, 2013 7:44 pm
 
Forum: Personal Consumer Issues
Topic: The Boglehead Car -- What is It?
Replies: 150
Views: 11369

Re: New to investing *military *TSP

You also need a short-term-needs fund for other upcoming expenses like a new car, grad school, fancy vacation, house down-payment, etc. Depending on when you will need the money you can use the above accounts and maybe add a short-term bond fund like ( VBISX ) Vanguard Short-Term Bond Index Fund In...
by Spades
Sun Jun 02, 2013 8:38 am
 
Forum: Investing - Help with Personal Investments
Topic: New to investing *military *TSP
Replies: 40
Views: 1499

Re: France - Paris / Nice - Must do List

IIRC, there's a Rodin museum in Paris as well that is exquisite. I recently visited Normandy and that was a blast, but you ain't heading that way. Mont St. Michel is must up there after the D-Day beaches.

:sharebeer
by Spades
Sun Jun 02, 2013 8:29 am
 
Forum: Personal Consumer Issues
Topic: France - Paris / Nice - Must do List
Replies: 92
Views: 4283

Re: Top 1% Control 39% of World's Wealth

makes sense that people who figure out how to retain wealth have a larger portion of it

eh, no big deal to me

:sharebeer
by Spades
Sat Jun 01, 2013 12:22 pm
 
Forum: Investing - Theory, News & General
Topic: Top 1% Control 39% of World's Wealth
Replies: 5
Views: 653

Re: New to investing *military *TSP

Mustaine, Don't rush yourself, make a plan together, and execute it. Now, if I were you... I'd transfer those CDs as fast as possible with minimal fees to Vanguard to start building your roths. I'm in the Army and I love the TSP. It is a great way to do index investing (which is what we on this foru...
by Spades
Sat Jun 01, 2013 12:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: New to investing *military *TSP
Replies: 40
Views: 1499

Re: If I pay off my mortgage... I can save more...

As for "I can save more..." that doesn't make any sense. Suppose I have a savings account with $100,000 in it and mortage balance of $100,000. That means I have a net position of zero. You can save more from your paycheck by taking the mortgage payment from your $100,000. So let's say pay...
by Spades
Wed May 29, 2013 9:19 pm
 
Forum: Investing - Theory, News & General
Topic: If I pay off my mortgage... I can save more...
Replies: 43
Views: 3536

Re: Investing: Is it an art or science?

I know the author is plugging his fee only service, but I thought this article was interesting regarding the art and science of investing http://www.centralpennbusiness.com/article/20130426/CPBJ01/304259989/Investing:-Is-it-an-art-or-science?-Or-can-financial-planning-be-both? I believe investing i...
by Spades
Wed May 29, 2013 9:07 pm
 
Forum: Investing - Theory, News & General
Topic: Investing: Is it an art or science?
Replies: 47
Views: 2162

Re: Personal Finance Press

by Spades
Tue May 28, 2013 8:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Personal Finance Press
Replies: 6
Views: 453

Re: Am I on the right track?

I would build a dedicated emergency fund that'll last you six months. You can afford that luxury! Also, what about a future home? I think the next step is to start saving in your taxable for a 20% down payment. You might want to wait to buy the actual home until you are married, but you can begin bu...
by Spades
Tue May 28, 2013 6:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I on the right track?
Replies: 46
Views: 3031

Re: Should you tip at walk-up-to-order restaurants?

There seems to be a rise in places where one walks up to order, pays, and they then bring the food to the table. They have a tip jar and a tip field on the credit card slip. Should you tip at such places? Just go with how you feel. There was one Thai truck that I went to that was like this (Opal's)...
by Spades
Mon May 27, 2013 9:53 am
 
Forum: Personal Consumer Issues
Topic: Should you tip at walk-up-to-order restaurants?
Replies: 12
Views: 1248

Re: Audiophile or not??! How much to spend question

I don't exactly what would be best for your audio situation, but if you're looking at a new tv. I'd recommend what this guys says is good: http://homecinemaguru.com/?p=3548.

Warning, I'm biased and he calibrated my home theater.
:sharebeer
by Spades
Sun May 12, 2013 6:18 pm
 
Forum: Personal Consumer Issues
Topic: Audiophile or not??! How much to spend question
Replies: 31
Views: 2374

Re: Buffet says no to bonds - recommends equities and cash

If people actually made money listening to Buffet, could Buffet sue Altrucher and make millions for libel for the book he published?

:sharebeer
by Spades
Tue May 07, 2013 8:22 am
 
Forum: Investing - Theory, News & General
Topic: Buffet says no to bonds - recommends equities and cash
Replies: 70
Views: 7332

Re: Military Investor. Want to Move to Passive Funds

grabiner and Duckie: I think pushing everything into the F/G Fund in TSP until I get to my target is a good idea. I guess my main question and what is causing the most indecision is over the best way to handle my AA. Should I divide my investments in accordance with my ideal AA right away and then ...
by Spades
Mon May 06, 2013 8:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Military Investor. Want to Move to Passive Funds
Replies: 9
Views: 775
Next

Return to advanced search