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Re: Vanguard Total International (VTSAX) - Taxable Account

However, I just came across the Vanguard page for qualified distributions for each fund. That one lists the QDI percentage at only about 67%, while the total stock market index is listed at 94%. If total stock market is much better at generating qualified returns, I would rather have that in my tax...
by Stonebr
Thu Apr 17, 2014 3:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total International (VTSAX) - Taxable Account
Replies: 24
Views: 2146

Re: Advantage of 50/50 Wellington/Wellesley in Roth IRA?

I guess the two together would give an AA of about 50/50? Also, can someone show me where I can find all the stocks that are currently being held in the Wellington fund? I see the top 10 or so, which make up about 25% of the equity portion, but would like to see the whole picture if possible. 1. To...
by Stonebr
Tue Apr 08, 2014 9:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advantage of 50/50 Wellington/Wellesley in Roth IRA?
Replies: 8
Views: 1371

Re: Car Loan Paydown or Roth IRA?

And another thing.

There may be all kinds of smart reasons why you want to pay the car loan first, but I found that watching the IRA balance grow was a powerful psychological reinforcement of "good behavior."
by Stonebr
Sun Mar 23, 2014 8:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car Loan Paydown or Roth IRA?
Replies: 16
Views: 783

Re: Car Loan Paydown or Roth IRA?

I don't know what the right thing to do is, but what I did in your shoes back 30+ years ago was to put the top priority on my IRA. As long as I was "paying myself first" in amounts that mattered, I let the other stuff take care of itself. Like you, I always held a grudge against debt and p...
by Stonebr
Sun Mar 23, 2014 8:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car Loan Paydown or Roth IRA?
Replies: 16
Views: 783

Re: Phone calls trying to sell me stocks

Cold calling is as old as the hills. Fraudulent cold calling is too. When the phone was invented these guys got them. I think Alexander Graham Bell's brother-in-law started it all.
by Stonebr
Sun Mar 23, 2014 8:05 pm
 
Forum: Personal Consumer Issues
Topic: Phone calls trying to sell me stocks
Replies: 36
Views: 2000

Re: Edward Jones Advisory Solutions account

My ex-oil burner maintenance guy is an Edward Jones fan. He's told me twice that all his money is with Edward Jones. I'd say he's a nice guy anyway, but he isn't. I'm retired and all my money's with Vanguard. He's working and all his money's with EJ. 2+2=4.

I switched to natural gas.
by Stonebr
Sun Mar 23, 2014 7:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Edward Jones Advisory Solutions account
Replies: 58
Views: 10195

Re: Do you have a Tax Advisor?

A Boglehead should have simple taxes. A retired Boglehead should have even simpler taxes.
by Stonebr
Fri Mar 21, 2014 10:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you have a Tax Advisor?
Replies: 21
Views: 1655

Re: Population Decline and International Exposure

The good news is, market have certainly priced this in, and in any case distant, uncertain cash flows don't count for much when deriving current valuations, since they're so heavily discounted. I think you are taking this market efficiency idea way too far. Nobody at those big investment houses is ...
by Stonebr
Fri Mar 21, 2014 10:48 am
 
Forum: Investing - Theory, News & General
Topic: Population Decline and International Exposure
Replies: 19
Views: 1567

Re: if you have switched from bonds to cash.....

Honestly, I've never seen the appeal of bond market mutual funds -- never understood why anyone would take on that kind of market risk in fixed. For fixed I've always (35 years and counting) used the stable value account in my company's 401k, I-bonds, and CDs.
by Stonebr
Thu Mar 20, 2014 9:41 am
 
Forum: Investing - Help with Personal Investments
Topic: if you have switched from bonds to cash.....
Replies: 9
Views: 1149

Re: Anyone experienced problems with Honda V-6 VCM engines?

Consumer Reports latest Auto issue has negative things to say about the V6 Accord reliability. They love the Accord, of course, but not the EX-LV6.
by Stonebr
Wed Mar 19, 2014 8:35 pm
 
Forum: Personal Consumer Issues
Topic: Anyone experienced problems with Honda V-6 VCM engines?
Replies: 36
Views: 1788

Re: Leftover funds in Roth IRA that I transferred

I would suggest you call Vanguard. You can bet they've dealt with circumstances like this many times.

I had a residual amount left behind at Franklin/Templeton/Mutual Series several years ago. I had to make a separate request to Vanguard to pull it into my IRA. As I recall it was not a big deal.
by Stonebr
Wed Mar 19, 2014 8:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Leftover funds in Roth IRA that I transferred
Replies: 2
Views: 146

Re: LED lights currently worth it personal financewise?

earlyout wrote:Are you going to take all these LED bulbs with you when you move in 5 years?


You can unscrew them like any other bulb, so why not take them? Heck, maybe you can pass them on to your grandchildren.
by Stonebr
Sat Mar 15, 2014 6:15 pm
 
Forum: Personal Consumer Issues
Topic: LED lights currently worth it personal financewise?
Replies: 55
Views: 2487

Re: LED lights currently worth it personal financewise?

mhc wrote:Do you know that corporate America is developing the technology to make LED lights possible?


Duh.

But I've seen products cheapened by bean counters all my life. And the bean counters are in control.

That's why I'm buying LEDs now -- the engineers still have some say.
by Stonebr
Sat Mar 15, 2014 5:47 pm
 
Forum: Personal Consumer Issues
Topic: LED lights currently worth it personal financewise?
Replies: 55
Views: 2487

Re: LED lights currently worth it personal financewise?

what three way bulb you go with? Two brands -- FEIT and Switch. (Sounds like an old cigarette commercial. :wink: ) One reason I'm converting now is that I'm concerned that our American corporate leaders will do what they always do when they bring prices down -- compromise on quality. I want to get ...
by Stonebr
Sat Mar 15, 2014 4:24 pm
 
Forum: Personal Consumer Issues
Topic: LED lights currently worth it personal financewise?
Replies: 55
Views: 2487

Re: LED lights currently worth it personal financewise?

I'm just about finished converting the whole house to LEDs. The quality of light is wonderful, especially the GU10 LED bulbs that replaced the old halogens in our track lighting. The improvement over the slow to start, flickering, buzzing CFLs is even greater. I've even found a source for 3-way bulb...
by Stonebr
Sat Mar 15, 2014 3:37 pm
 
Forum: Personal Consumer Issues
Topic: LED lights currently worth it personal financewise?
Replies: 55
Views: 2487

Re: Emergency savings strategy

Keeping emergency savings in stocks and market value bond accounts is great when you are affluent, retired, and care-free. Or even when you are working, affluent and loaded with $. But when starting out, use FDIC accounts -- CDs and money market funds. Nowadays you'll find that online savings and CD...
by Stonebr
Thu Mar 13, 2014 10:43 pm
 
Forum: Investing - Theory, News & General
Topic: Emergency savings strategy
Replies: 8
Views: 1428

Re: Anyone on the TaxAlmanac.org forum?

I hear it's an NSA front.
by Stonebr
Thu Mar 13, 2014 10:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone on the TaxAlmanac.org forum?
Replies: 5
Views: 338

Re: Cousin's Wedding

Have some fun at the wedding.

Costs are relative, and relatives are costs. This is one area where you may want to spend.
by Stonebr
Thu Mar 13, 2014 10:02 pm
 
Forum: Personal Consumer Issues
Topic: Cousin's Wedding
Replies: 53
Views: 3571

Re: Tax Managed Balanced Fund - Dividend distribution

Calm Man wrote:In my never-ending quest for simplicity


A never-ending quest for simplicity should not be a long, drawn out process. I think you've achieved simplicity. Live with it.
by Stonebr
Thu Mar 13, 2014 9:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Managed Balanced Fund - Dividend distribution
Replies: 6
Views: 762

Re: Did you retire in your 30s?

Videogames wrote:Favorite seen in office space when they said if you had a million dollars what would you do? Nothing. Lol
Nothing = whatever I feel like that day.


[OT comment removed by admin LadyGeek]
by Stonebr
Thu Mar 13, 2014 9:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you retire in your 30s?
Replies: 55
Views: 5302

Re: Did you retire in your 30s?

This thread is making me sick to my stomach.

I think it should be locked.
by Stonebr
Thu Mar 13, 2014 9:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you retire in your 30s?
Replies: 55
Views: 5302

Re: Anti-virus for Mac?

I have Sophus and have used it for several years.
by Stonebr
Tue Mar 11, 2014 4:00 pm
 
Forum: Personal Consumer Issues
Topic: Anti-virus for Mac?
Replies: 80
Views: 3571

Re: Stopping Junk Mail

When I get really frustrated, I've been known to send it back.
by Stonebr
Tue Mar 11, 2014 12:26 pm
 
Forum: Personal Consumer Issues
Topic: Stopping Junk Mail
Replies: 17
Views: 1132

Re: Forbes Article Disagreeing with Buffett

How can one adjust for inflation and not dividends? Obviously easy enough to do, and he acknowledges the necessity near the end. But of course that would only dilute the message. Come to think of it, what exactly was the message? Dividends are a huge part of historical return data. The editors of F...
by Stonebr
Mon Mar 10, 2014 12:40 pm
 
Forum: Investing - Theory, News & General
Topic: Forbes Article Disagreeing with Buffett
Replies: 7
Views: 941

Re: anyone read any of these???

Like Mountain Man, I've read Jack Schwager's books on market "wizards." They've been around for a couple of decades. They are a good read. A better book on trading is the classic Reminiscences of a Stock Operator by Edwin Lefevre. It came out in 1923 and is still fresh. edit -- Understand,...
by Stonebr
Mon Mar 10, 2014 11:33 am
 
Forum: Investing - Help with Personal Investments
Topic: anyone read any of these???
Replies: 9
Views: 945

Re: Savers remorse ?

I sure am glad I didn't buy that top-of-the-line Onkyo Stereo Cassette Deck back in 1980, or that Heathkit build-it-yourself home computer in 1984, or the time-share in New Hampshire. Or, for that matter, the used Fiat X1/9 that I was going to use for SCCA racing. Boats? Forgetaboutit! Maybe now, wh...
by Stonebr
Thu Mar 06, 2014 6:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savers remorse ?
Replies: 91
Views: 11175

Re: Confusion about reinvesting dividends in taxable

I do it like Sam does. However, the paperwork associated with reinvesting is much easier today than it was many years ago when many of us started investing. In those days you had to do all the record keeping work yourself, and it was, literally, paperwork. Now the fund companies are required to prov...
by Stonebr
Thu Mar 06, 2014 5:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Confusion about reinvesting dividends in taxable
Replies: 37
Views: 2160

Re: Trip through New England

Portland- We'll only be in Portland for one night but we were thinking about the Allagash Brewery tour and possibly wandering around the city. Boothbay- We were hoping to find a captain who could take us out on a lobster boat tour. We're staying in Boothbay for three nights and a lobster tour is de...
by Stonebr
Wed Mar 05, 2014 6:19 pm
 
Forum: Personal Consumer Issues
Topic: Trip through New England
Replies: 39
Views: 1421

Re: Retirement looming

3. Recommendations on increasing the return while decreasing risk would be appreciated. This, of course, is the Holy Grail of investing. If you find it, let us all know. The ease and simplicity of total market index funds trumps all the second-guessing you'll have to live with in Sequoia, Dodge &am...
by Stonebr
Tue Mar 04, 2014 11:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement looming
Replies: 6
Views: 1147

Re: Get ready for the Dow at 6,000 by 2016: Pro

claver wrote:My nominees:

Peter Schiff
Harry Dent
Paul Farrell
Nouriel Roubini (who has successfully predicted 37 of the last 2 recessions)
Bill Gross (who does nothing but talk his own book and who recently predicted DOW 5000 to try to sucker people into his fund)
Marc Faber

Who else?


Gary Shilling
by Stonebr
Tue Mar 04, 2014 10:31 pm
 
Forum: Investing - Theory, News & General
Topic: Get ready for the Dow at 6,000 by 2016: Pro
Replies: 46
Views: 4500

Re: Vacuum cleaner advice

hoppy08520 wrote:
ClevrChico wrote:We love our Miele!

It wasn't cheap, but I love our Miele canister as well.


Our Miele is 25 years old and still going strong.
by Stonebr
Fri Feb 28, 2014 9:56 pm
 
Forum: Personal Consumer Issues
Topic: Vacuum cleaner advice
Replies: 34
Views: 1895

Re: any objective studies on how long CFL bulbs last?

I converted our previous home to CFLs about 5 years before we moved. After 5 years, 4 out of about 20 bulbs had burned out. We have good habits, turning lights out when we don't need them, etc. The CFLs in our table lamps made the move, and another one burned out this year. In a previous home, actua...
by Stonebr
Thu Feb 27, 2014 9:59 pm
 
Forum: Personal Consumer Issues
Topic: any objective studies on how long CFL bulbs last?
Replies: 26
Views: 936

Re: 2010 Volvo V50 2.4i

I am a long time Volvo owner. They can be very expensive to repair -- similar to other European cars like Audi, Mercedes, BMW. I have no experience with the V50, but can tell you that my S60, now 11 years old, can whack me pretty good. Nothing costs less than $400, and $1200 can happen at any time. ...
by Stonebr
Thu Feb 27, 2014 9:41 pm
 
Forum: Personal Consumer Issues
Topic: 2010 Volvo V50 2.4i
Replies: 12
Views: 610

Re: Withdrawal policy statement

I have a goal one day that the withdrawal part will be easy. The total dividends will be more than we need to fund retirement. That's probably true for a majority of the "usual suspects" on this forum. But we need to keep in mind that these people are far from average (in a number of ways...
by Stonebr
Thu Feb 27, 2014 6:55 pm
 
Forum: Investing - Theory, News & General
Topic: Withdrawal policy statement
Replies: 10
Views: 648

Re: Attic Insulation Retrofit: Spray Foam Insulation

Dan, I had this done in our home, built around 1940 in the DC area. I researched it a lot and read hundreds of articles and exchanged correspondence with building scientists and spray foam experts because I wanted to get it right. I have to say there is a lot of misinformation or more likely misund...
by Stonebr
Thu Feb 20, 2014 9:01 am
 
Forum: Personal Consumer Issues
Topic: Attic Retrofit: Spray Foam Insulation [Updated w Images]
Replies: 40
Views: 2977

Re: How to determine the asset allocation of a fund?

Just to follow through with this example. Even though M* says it is Large Blend, the Holdings Style map shows a greater weight on the Value side than on the Growth side. So this would count as Large Value. Correct? Correct. I've looked at zillions of these style maps and have never seen a "pur...
by Stonebr
Fri Feb 14, 2014 11:29 pm
 
Forum: Investing - Theory, News & General
Topic: How to determine the asset allocation of a fund?
Replies: 8
Views: 515

Re: Getting rid of wife's Target Date fund - questions

LAlearning wrote:--I know they are "entitled" to it, but it is interesting none the less.


What is so interesting about collecting on an insurance policy? After all, that's what unemployment benefits are. Premiums are paid, a hazard occurs, you collect. Period.
by Stonebr
Fri Feb 14, 2014 9:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Getting rid of wife's Target Date fund - questions
Replies: 22
Views: 2092

Re: How to determine the asset allocation of a fund?

Have you used Morningstar's "Style Details" section? After you enter the ticker symbol, just click on the "Portfolio" tab. Style maps give the breakdown of the fund by capitalization and style. For bond funds you get a similar breakdown, but for duration and risk. example: http:/...
by Stonebr
Fri Feb 14, 2014 6:19 pm
 
Forum: Investing - Theory, News & General
Topic: How to determine the asset allocation of a fund?
Replies: 8
Views: 515

Re: Getting rid of wife's Target Date fund - questions

I don't see how trading your wife's one Target fund for two or three other funds gets you to your goal of simple . Maybe her Roth could go 100% to international (taking advantage of admiral class shares of VTIAX with its lower expense ratio) and you adjust your own Roth to balance out to your desire...
by Stonebr
Fri Feb 14, 2014 5:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Getting rid of wife's Target Date fund - questions
Replies: 22
Views: 2092

Re: Synthetic engine oil worth better/cheaper in the long ru

My Volvo has 148k miles and the engine, in the words of my mechanic, "ees lik-a new!" Mobil 1 is fine stuff, but I've used others -- Castrol, Valvoline, Pennzoil. As long as it's synthetic, it works for me. The "true synthetic" thing is kind of a myth. There are oils like Castrol...
by Stonebr
Wed Feb 12, 2014 11:44 am
 
Forum: Personal Consumer Issues
Topic: Synthetic engine oil worth better/cheaper in the long run?
Replies: 89
Views: 8994

Re: POLL: Do you do you own taxes?

Longtimelurker wrote:Given the obvious complexity of a typical boglehead's taxes (backdoor Roth's etc), I am curious how many of you do you own taxes. Please add any commentary you think is valuable.


I disagree with your premise. A Boglehead's taxes should be really simple.
by Stonebr
Wed Feb 12, 2014 10:11 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Do you do your own taxes?
Replies: 54
Views: 3107

Re: Going all into Emerging Markets

John3754 wrote:Are there any authorities on investing that recommend a 100% EM portfolio? If the answer is no can you or your friend explain why not?


Question Authority :beer
by Stonebr
Wed Feb 12, 2014 10:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Going all into Emerging Markets
Replies: 63
Views: 5824

Re: What is the usual time to do your taxes?

Keep it simple and you will have only a very short list of 1099's to wait for. If you don't sell anything you don't have to do Schedule D.

I've had everything for a couple of weeks already.
by Stonebr
Wed Feb 12, 2014 9:57 am
 
Forum: Personal Finance (Not Investing)
Topic: What is the usual time to do your taxes?
Replies: 29
Views: 1881

Re: Wow! Jim Cramer HATES passive index investing

swimirvine wrote:and he uses one example of a stock he recommended that went from 5 to over 300 to prove why passive index investing isn't as good as stock picking.


and that stock was probably in my index fund...
by Stonebr
Tue Feb 11, 2014 5:41 pm
 
Forum: Investing - Theory, News & General
Topic: Wow! Jim Cramer hates passive index investing
Replies: 52
Views: 5628

Re: international allocation

Seems like a no-brainer to me. Spartan Index. I've invested in mutual funds since 1982. I can tell you from bitter experience that funds with great track records can continue their good performance for a while -- or not. I've never been able to determine why one will continue to do well and another ...
by Stonebr
Thu Feb 06, 2014 9:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: international allocation
Replies: 10
Views: 933

Re: Another Social Security spin......

Dave C. wrote:What do you folks think of my though[sic] process here?


Not much. I plan on hiking the AT when I'm 100.
by Stonebr
Sat Feb 01, 2014 6:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another Social Security spin......
Replies: 48
Views: 2906

Re: Keurig vs normal coffeemaker?

I'm still surprised people find normal coffemakers such a waste. I use a regular not-expensive coffemaker, and I don't drink more than 1 mug a day. I just add enough water to make a small amount - usually 3 cups of water will yield about 2/3rds that, so it's only a hair more than one serving mug. I...
by Stonebr
Sat Feb 01, 2014 2:44 pm
 
Forum: Personal Consumer Issues
Topic: Keurig vs normal coffeemaker?
Replies: 128
Views: 6268

Re: Tell me why I should not be overweight midcap index

Here's a reason I don't: If I did tilt toward Midcap today, two years from now I'd forget why I did it. Then I'd read some articles by a bunch of smart know-it-alls with a Nobel Prize. Then I'd switch to the smart know-it-alls' wonderful proven strategy. Been there, done that. I know it's just waste...
by Stonebr
Fri Jan 31, 2014 5:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tell me why I should not be overweight midcap index
Replies: 29
Views: 2135

Re: Bonds - Throw it all on the table!!!

1. Stable Value in 401k. 2. Ally Bank -- combination of CD and Online Savings 3. iBonds. 50/50 I don't like market value bond funds and avoid them like a plague. If I had to be in one I'd probably stay short. Retired and taking distributions. So, obviously, no plans to buy bonds other than rebalanci...
by Stonebr
Wed Jan 29, 2014 10:14 pm
 
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 84
Views: 7455

Re: Low Income Budget

My investments started with $10 per week deposited to a savings account when I was in my 20s. After a year I had $520. That $520 is still compounding 35 years later.

Start small, and be persistent.
by Stonebr
Wed Jan 29, 2014 9:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Low Income Budget
Replies: 70
Views: 3872
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