Search found 1145 matches

Return to advanced search

Re: Wise move to move some $ to cash before bear market?

I will go against what everyone else is saying and tell you to go ahead. Either way you will probably be okay -- at the very worst it will be a learning experience. Do you have a plan for when you will buy back in?
by Stonebr
Thu Mar 26, 2015 1:28 pm
 
Forum: Investing - Theory, News & General
Topic: Wise move to move some $ to cash before bear market?
Replies: 57
Views: 3839

Re: Looking for some good advice.

Here's advice, maybe not good, but... 1. Asset Allocation of 80% stock and 20% bonds is fine. It's on the aggressive side, but you are both young so it's within the appropriate range. Low cost Fidelity Spartan funds are a great choice as are the TSP funds. You really can't go wrong, but one word of ...
by Stonebr
Wed Mar 25, 2015 4:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Looking for some good advice.
Replies: 10
Views: 981

Re: Vanguard index fund security lending in 2014

"Borrowers are typically large financial institutions, such as investment banks, market makers and broker dealers. "

... like Lehman Brothers? :twisted:
by Stonebr
Tue Mar 24, 2015 2:24 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard index fund security lending in 2014
Replies: 23
Views: 1651

Re: "Financial Simplicity: What is Your Time Worth?"

Another point: " So, you can make an extra 5 cents by postponing your electric bill for 21 days. The amounts are minimal, while the potential headaches and penalties for late payments are substantial. Micromanaging cash flow is fine for big business but, personally, if I have a debt, I get it p...
by Stonebr
Fri Mar 20, 2015 4:01 pm
 
Forum: Investing - Theory, News & General
Topic: "Financial Simplicity: What is Your Time Worth?"
Replies: 27
Views: 3472

Re: "Financial Simplicity: What is Your Time Worth?"

I've been on board for several years now, Taylor. My light-bulb moment came when I realized that for the first time in more than 30 years I did not have to file a Schedule D with my taxes. It was a revelation how much it changed the way I thought about my investments.
by Stonebr
Fri Mar 20, 2015 3:35 pm
 
Forum: Investing - Theory, News & General
Topic: "Financial Simplicity: What is Your Time Worth?"
Replies: 27
Views: 3472

Re: Purchasing mutual funds

jwelton2 wrote: if I purchase $1000 of that mutual fund on Sunday, will the order be for $11.12/share on Monday morning?


If you purchase on Sunday, they will use the Monday closing price. If you purchase during the day on Friday, they'll use Friday closing price. You always purchase at the next closing price.
by Stonebr
Fri Mar 20, 2015 12:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Purchasing mutual funds
Replies: 6
Views: 405

Re: What won't you pay with Credit Card?

I pay cash at Farmers' Markets because it's the right thing to do. They make it a pain to use credit, which is also the right thing to do.
by Stonebr
Thu Mar 19, 2015 8:34 pm
 
Forum: Personal Consumer Issues
Topic: What won't you pay with Credit Card?
Replies: 77
Views: 8115

Re: Need a sanity check

No reason to change the international allocation; but, are you aware Vanguard is going to 40% international in its target date funds? That's primarily I wanted to check whether it makes sense to increase the allocation. No, it doesn't make sense. There's at least one thread on the various changes V...
by Stonebr
Thu Mar 19, 2015 8:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need a sanity check
Replies: 13
Views: 1540

Re: Too good to be true? vgenx or vgpmx

One reminder about precious metals is that when the bear market in gold started in about 1981, it went on for a long time. It was, I think, about 25 years before gold broke over the previous all-time high of $800 an ounce.
by Stonebr
Wed Mar 18, 2015 8:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Too good to be true? vgenx or vgpmx
Replies: 25
Views: 2751

Re: Did you buy a house because of low interest rate?

I bought my first home because there was a recession and Boston condominiums were being given away. Interest rates were over 12%, but it was still cheaper than renting when all the costs and credits were included -- interest, utilities, property tax, condo fees, tax deductions. I analyzed it like an...
by Stonebr
Mon Mar 16, 2015 3:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you buy a house because of low interest rate?
Replies: 25
Views: 1725

Re: Retired - When to Sell to Generate Cash

I retired at the end of August several years ago. I replenish the cash account in September each year as needed. It was handy this year because the market was good, and then a few weeks later went down sharply. This made me look like a genius for a few months. We keep about two years of withdrawals ...
by Stonebr
Mon Mar 16, 2015 3:15 pm
 
Forum: Investing - Theory, News & General
Topic: Retired - When to Sell to Generate Cash
Replies: 30
Views: 1932

Re: Laptop: Windows based vs. Apple

I don't use a lot of storage. I hate clutter in the house and in the computer. For me the flash storage of Macbook Air is perfect. Powering up the Mac takes only a few seconds. With the Windows machine I used to use at work, I could drink a mug of coffee in the time it took to boot up in the morning.
by Stonebr
Mon Mar 16, 2015 12:19 pm
 
Forum: Personal Consumer Issues
Topic: Laptop: Windows based vs. Apple
Replies: 81
Views: 5640

Re: Why the popularity of dividends? What's the counterargum

toto238 wrote:I like to point out that Berkshire Hathaway has never paid out a dividend. Is it a "bad" company?


On the other hand Berkshire lives off the "dividends" of the companies it owns.
by Stonebr
Sun Mar 15, 2015 4:20 pm
 
Forum: Investing - Theory, News & General
Topic: Why the popularity of dividends? What's the counterargument?
Replies: 70
Views: 4961

Re: Best 4-6 person tent

The best? Who the heck knows? I only know about 2. We bought a cheap Eddie Bauer tent at Target that lasted one summer before the poles started breaking, then replaced it with a Kelty Yellowstone 6 from REI that has lasted for many years. It's big enough that the two of us can spend an rainy evening...
by Stonebr
Fri Mar 13, 2015 5:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best 4-6 person tent
Replies: 20
Views: 1135

Re: Fidelity Contrafund

Dilemma. My wife has her own ideas about investing and she has owned Fidelity Contra for her IRA since about 1990 and has kicked my butt with it. I've never tried to convince her to move to indexing since her ideas have worked out at least as well as my Boglehead ideas. If Will Danoff ever quits, al...
by Stonebr
Thu Mar 12, 2015 1:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Contrafund
Replies: 28
Views: 3235

Re: How do you use your email?

This is topical for various reasons, but I have been wondering .... how should I treat my email correspondence, and do you behave as if your email is private? Are you more careful when putting something down in writing? I assume that every email I send could someday be read by a Federal Judge or a ...
by Stonebr
Wed Mar 11, 2015 3:50 pm
 
Forum: Personal Consumer Issues
Topic: How do you use your email?
Replies: 16
Views: 1354

Re: Why not use inflation-adjusted SPIA?

But if you can get inflation-adjustments, from a reliable source, what's the problem? Sure it may not be as safe as the US Government, but it's pretty darn close, and you can split it between 2 or 3 different places if that makes you feel better. I would agree with you, but I don't believe you can ...
by Stonebr
Wed Mar 11, 2015 3:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why not use inflation-adjusted SPIA?
Replies: 117
Views: 4748

Re: Edward Jones

The basic question is which class of shares do you currently own, and which will they switch you into? The share class is what defines the commission schedule and the expense ratio that you pay. Here's an article on the subject: http://news.morningstar.com/articlenet/article.aspx?id=346727 If you're...
by Stonebr
Tue Mar 10, 2015 5:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Edward Jones
Replies: 2
Views: 570

Re: Legg Mason Survey

Noise from the Gotrocks family helpers.
by Stonebr
Tue Mar 10, 2015 4:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Legg Mason Survey
Replies: 2
Views: 376

Re: Vanguard et al disintermediated?

The audit thing is what bothers me the most. With Vanguard and PricewaterhouseCoopers (PWC), I have some assurance that VTSAX actually owns the stocks it says it owns. With robo-advisor through some brokerage, this could just be some derivative product that blows up at the next crash. We then find o...
by Stonebr
Mon Mar 09, 2015 12:23 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard et al disintermediated?
Replies: 39
Views: 2682

Re: How is Your Pension Counted when Calculating Net Worth.

I don't understand the purpose of calculating and tracking net worth. Is it just a feel good kind of thing? Maybe I should start a thread to investigate, but I digress :happy Net worth is handy for doing things like asset allocation and, in retirement, determining withdrawal amounts. Also, there's ...
by Stonebr
Sun Mar 08, 2015 8:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: How is Your Pension Counted when Calculating Net Worth.
Replies: 40
Views: 2844

Re: Best Classical Music Box Sets?

Beethoven. 9 Symphonies. Karajan - Berlin Philharmonic, recorded in the 1960s. Very inexpensive.
by Stonebr
Sun Mar 08, 2015 7:20 pm
 
Forum: Personal Consumer Issues
Topic: Best Classical Music Box Sets?
Replies: 29
Views: 1978

Re: SScalculation

If her income is low enough, she might not need to file at all. There's also an IRS worksheet for this:

http://www.irs.gov/uac/Do-I-Need-to-Fil ... -Return%3F
by Stonebr
Sun Mar 08, 2015 12:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Social Security] calculation
Replies: 12
Views: 1016

Re: High Cost of Fruits and Vegetables

If your goal is to maximize nutrient intake, consider adding organ meats and home made broth, both of which have extremely high nutrient densities. I think the point here is that the FDA now recommends 7-9 servings a day of fruits and Vegetables. It used to be 5 a day. The average American doesn't ...
by Stonebr
Sun Mar 08, 2015 12:42 pm
 
Forum: Personal Consumer Issues
Topic: High Cost of Fruits and Vegetables
Replies: 126
Views: 6972

Re: My attic air leak blocking checklist

This project is a really good idea, and it sounds like you have a pretty good handle on it. 1. I think you can use regular Great Stuff around your bath vent. You might be able to find out your local code by using Google on this question. 2. You need to define where your thermal barrier is. Wherever ...
by Stonebr
Sun Mar 08, 2015 12:24 pm
 
Forum: Personal Consumer Issues
Topic: My attic air leak blocking checklist
Replies: 22
Views: 1665

Re: Time of Use Electrical Rates

mw1739 wrote:Average use is ~ 2000 kwh per month.


Not to be snarky, but if I were you I'd look at this as the problem -- not the rates the utility company charges.
by Stonebr
Sat Mar 07, 2015 2:51 pm
 
Forum: Personal Consumer Issues
Topic: Time of Use Electrical Rates
Replies: 22
Views: 1448

Re: Balance of bonds

How much in stocks and how much in bonds is the age-old question. We each answer this for ourselves -- usually according to something we've read, a formula, a recommendation from a book or somebody with a Nobel Prize or a billion dollars. Or maybe what we end up with after sleepless nights, a market...
by Stonebr
Fri Mar 06, 2015 8:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Balance of bonds
Replies: 3
Views: 522

Re: Weird deposit for 401k

I think you need to ask your plan administrator. There's no generic meaning for this term that I know of, so it may be an internal accounting code specific to the record keeper.
by Stonebr
Fri Mar 06, 2015 8:13 pm
 
Forum: Investing - Theory, News & General
Topic: Weird deposit for 401k
Replies: 4
Views: 728

Re: Boglehead degree status

I'm not sure I agree with any of this.

Look at Taylor, our Professor Emeritus, our Dean of the College of Bogleheads. Does he spend his time fussing with backdoor Roths, Fama French, tax triangles or super complexities?

Keep it simple. That's the message I get.
by Stonebr
Fri Mar 06, 2015 8:04 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead degree status
Replies: 52
Views: 4832

Re: Mac reliability?

Here is something I have noticed over time: I have yet to meet one person who switched to Apple from Windows, move back to Windows. Best. +1 That's the bottom line. I used DOS/Windows/Linux for 30 years at work. When I retired I bought myself a MacBook Air and now live a life of peace and tranquili...
by Stonebr
Fri Mar 06, 2015 8:41 am
 
Forum: Personal Consumer Issues
Topic: Mac reliability?
Replies: 89
Views: 4660

Re: Help with Revamping Husband's retirement?

I guess my other thought was VG Total Stock Market and VG Total Bond Market in proportions that were equivalent, so I would save on fees. But then I'd have to go in and mess with it every so often, which I don't trust myself to do! That is a good thought too. You might want to include International...
by Stonebr
Thu Mar 05, 2015 8:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Revamping Husband's retirement?
Replies: 16
Views: 942

Re: Help with Revamping Husband's retirement?

My inclination is to put everything into the VG Total Retirement Fund 2030 (this is what I do with my own). Any reason this is a bad idea? Any better allocations? Other ! I assume this is the same as VG Target Retirement 2030. As long as the 75% stock 25% bond allocation lets you sleep soundly, it ...
by Stonebr
Thu Mar 05, 2015 8:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Revamping Husband's retirement?
Replies: 16
Views: 942

Re: Betting on your life expectancy with an SPIA

Sure, but don't purchase the SPIA until you are at least age 75 and you can hedge it by requiring a term certain return of principal. That may lower the return paid to you but should still be worth it, if you believe you will outlive the 20 year guarantee period. These hedges can be useful in some ...
by Stonebr
Thu Mar 05, 2015 11:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Betting on your life expectancy with an SPIA
Replies: 18
Views: 1673

Re: How to handle a defined benefit pension plan

I have a DB plan and I never counted it in my AA at all. To me it's an income stream, just like SS is and just like the money you will draw from your portfolio. I set my portfolio's AA to match my need, ability and willingness to take risk. I would not count a DB plan as part of an investment portf...
by Stonebr
Thu Mar 05, 2015 11:07 am
 
Forum: Investing - Help with Personal Investments
Topic: How to handle a defined benefit pension plan
Replies: 12
Views: 1460

Re: Synchrony Bank for short term investment

Looks like GE Capital has a new name for their retail banking. The high rates are probably a temporary thing to attract new money. http://www.bbb.org/dayton/business-reviews/credit-cards-and-plans/synchrony-bank-formerly-ge-capital-retail-bank-in-kettering-oh-5001136 Might be worth a try. I'd note t...
by Stonebr
Wed Mar 04, 2015 8:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Synchrony Bank for short term investment
Replies: 11
Views: 1287

Re: new car battery

I bought a second-hand Honda nearly 20 years ago, when I eventually changed the battery the person doing the work commented that the outgoing battery was original, and had therefore lasted 11 years. Apparently replacement batteries are not made to the same standards, presumably because the car isn'...
by Stonebr
Wed Mar 04, 2015 7:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: new car battery
Replies: 45
Views: 2751

Re: Gold Coins for FUN, I mean.... investing

Notice the extremely low mintage of the 1991 1/2 ounce coin. This one is what coin collectors call the "Key date" to the series. Where do you make your purchases? I don't anymore. I bought most of my Eagles on eBay before 2005-6, a few direct from bullion dealers. Back then it was a cold ...
by Stonebr
Tue Mar 03, 2015 8:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Gold Coins for FUN, I mean.... investing
Replies: 53
Views: 4751

Re: ...it is madness to risk losing what you need in pursuin

malabargold wrote:hmmmm . . .
isn't Berkshire-Hathaway nearly 100% stock holding?


True, but the holdings include big insurance subsidiaries that, in turn, hold huge amounts of fixed income in their reserve account portfolios.
by Stonebr
Tue Mar 03, 2015 4:16 pm
 
Forum: Investing - Theory, News & General
Topic: ...it is madness to risk losing what you need in pursuing wh
Replies: 48
Views: 5051

Re: What source do you use for nursing care feedback?

For nursing homes, online ratings are provided by US News (linked above by another poster) and by Medicare/Medicaid:

http://www.medicare.gov/nursinghomecomp ... eSupport=1

Once you have 3 or 4 candidates, visit them all.
by Stonebr
Tue Mar 03, 2015 8:39 am
 
Forum: Personal Consumer Issues
Topic: What source do you use for nursing care feedback?
Replies: 6
Views: 493

Re: Gold Coins for FUN, I mean.... investing

Notice the extremely low mintage of the 1991 1/2 ounce coin. This one is what coin collectors call the "Key date" to the series.
by Stonebr
Mon Mar 02, 2015 8:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Gold Coins for FUN, I mean.... investing
Replies: 53
Views: 4751

Re: Re:

Why were those particular years scarce vs others? I suppose it will be a rarity that any modern years would experience the same scarcity - as they're so readily available. Demand. When sales are slow, they don't mint as many. 2001 was another low mintage year. 1998 and 1999 were high because of the...
by Stonebr
Mon Mar 02, 2015 8:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Gold Coins for FUN, I mean.... investing
Replies: 53
Views: 4751

Re:

You can collect two things - gold for bullion value, or gold for its numismatics. Or both. Back when they were relatively cheap, like 10-15 years ago, I collected all the US Gold Eagles by date. Some of them are quite scarce, like the 1991 and 1992 fractionals, and now command a hefty premium over ...
by Stonebr
Mon Mar 02, 2015 8:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Gold Coins for FUN, I mean.... investing
Replies: 53
Views: 4751

Re: What can I expect in return?

As I understand it, real return (adjusted for inflation) is what's used by calculators like Firecalc and the Otar Retirement Calculator (ORC). This would work out to something about equal to the dividend yield on stocks and the bond yield. Figure 2-3% right now, max. This may seem conservative, but ...
by Stonebr
Mon Mar 02, 2015 7:42 am
 
Forum: Investing - Help with Personal Investments
Topic: What can I expect in return?
Replies: 7
Views: 952

Re: Honda fit vs VW GTI

But the GTI still gets very good mileage and its reliability is not too bad for a German car. The GTi is a gas guzzler compared to the Fit. Reliability will be way worse and VW mechanics around here have a reputation for cluelessness. The Fit will be a boring drive -- handling, braking and accelera...
by Stonebr
Sun Mar 01, 2015 12:56 pm
 
Forum: Personal Consumer Issues
Topic: Honda fit vs VW GTI
Replies: 54
Views: 3954

Re: 401k Max-out Strategy

I spread it over the year, except in the last year when I retired at the end of summer. That year I front loaded. As for filling up to the limit, we could actually go over. The excess would go into an old legacy, pre-401k plan that accepted after tax dollars. So the excess contributions would be aft...
by Stonebr
Wed Feb 25, 2015 9:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Max-out Strategy
Replies: 16
Views: 1884

Re: newbie, help!

Welcome to the forum! Resident physician with a 2-year-old? You must be busy. I've read through your profile and have a few comments on the 5 questions you asked: 1. Your financial health doesn't need much improvement. You are doing a great job. First and foremost, your debt load is low and under co...
by Stonebr
Wed Feb 25, 2015 8:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: newbie, help!
Replies: 7
Views: 805

Re: Out-of-state bank account

This reminds me of an IRA account I opened back in the 1980s. A savings and loan (remember those?) based in Kansas ran advertisements in the WSJ once a week during the days of high interest rates. They were offering LONG-term CDs of 25 or 30 years at 12+%. You'd deposit $800 and get $25,000 on matur...
by Stonebr
Wed Feb 25, 2015 3:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Out-of-state bank account
Replies: 2
Views: 291

Re: Recommend a quality (and reasonably priced) knife set

We have both Cutco and Chicago Cutlery. Both are excellent and American made. Not cheap, however.
by Stonebr
Wed Feb 25, 2015 11:39 am
 
Forum: Personal Consumer Issues
Topic: Recommend a quality (and reasonably priced) knife set
Replies: 64
Views: 2566

Re: Helping simplify and minimize fees

Vanguard Balance Index is 60% in stocks, so going with 90% allocated to it puts the US Equity portion at about 55% rather than the desired 50%. You get closer to the desired asset allocation by going to 85% Vanguard Balanced Index. Then 5% in EuroPacific and the rest in Stable Value or Baird Core Pl...
by Stonebr
Tue Feb 24, 2015 1:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Helping simplify and minimize fees
Replies: 2
Views: 184
Next

Return to advanced search