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Re: Holding FI in a taxable account for simplicity?

Thank you! No I'm healthy I just have to be prepared, cuz I might die before I finish this senten

8-)

This is something I have been working on for about a year, she wondered too! It's just my nature to have everything in order, too many people leave a mess behind.
by VeremchukA
Tue Feb 25, 2014 10:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Holding FI in a taxable account for simplicity?
Replies: 11
Views: 974

Re: Holding FI in a taxable account for simplicity?

Couple of thoughts: If in a low tax bracket, can just use a taxable bond fund. With a low tax bracket, cost of capital gains for rebalancing is low. (I'd specify some pretty wide bands, though, and just keep reinvesting dividends towards the need.) Seems like it would be reasonable to keep a target...
by VeremchukA
Tue Feb 25, 2014 5:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Holding FI in a taxable account for simplicity?
Replies: 11
Views: 974

Re: Holding FI in a taxable account for simplicity?

I sympathize. Lots of accounts means lots of headaches. Why not put life strategy funds in each of the sheltered accounts and put a mix of TSM, TISM, and Int Term Tax Exempt in the taxable account? That means the only rebalancing would be in the taxable account and the simple instructions would be ...
by VeremchukA
Tue Feb 25, 2014 12:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Holding FI in a taxable account for simplicity?
Replies: 11
Views: 974

Holding FI in a taxable account for simplicity?

I'm teaching my sister how to handle the investments she will inherit one day. She is a right brained person but intelligent enough to do what I think is simple math (percentages for rebalancing her AA) and I am a right brained person. I've told her to use just 3 Vanguard funds – Total Stock Market ...
by VeremchukA
Sun Feb 23, 2014 9:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Holding FI in a taxable account for simplicity?
Replies: 11
Views: 974

Re: Lynn Jimenez On Money Talk

I stopped listening to Brinker a few years ago. His "advice" is sketchy at best and dangerous at worst. Back then his subs were as bad as him. One died but was replaced with another. [OT comments removed by admin LadyGeek] I'm surprised she wasn't discussing raising the minimum wage! I'd l...
by VeremchukA
Mon Jan 13, 2014 9:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Lynn Jimenez On Money Talk
Replies: 34
Views: 7363

Re: [T. Rowe Price] TR Price X-Ray Tool

I couldn't modify anything in "my portfolio". After a while I decided to try to create a "new portfolio" to see if that would be better. I was able to enter stuff but it was fraught with issues. I then tried to create another holding in the new portfolio - MAJOR BS, I refuse to s...
by VeremchukA
Sun Sep 15, 2013 2:53 pm
 
Forum: Investing - Theory, News & General
Topic: [T. Rowe Price] TR Price X-Ray Tool
Replies: 17
Views: 1910

Re: T Rowe Price Portfolio Manager gone bad?

I have had it with TRP. These morons have ruined all the data I have entered over the past few years. I see today they migrated from where is was CORRECTLY stored into a new place/portfolio that is all screwed up, entries are all deposits vs reinvest or interest, individual entries are missing for s...
by VeremchukA
Sat Sep 14, 2013 6:33 pm
 
Forum: Investing - Theory, News & General
Topic: T Rowe Price Portfolio Manager gone bad?
Replies: 6
Views: 1644

T Rowe Price Portfolio Manager gone bad?

Does anyone use this? http://individual.troweprice.com/public/Retail/Planning-&-Research/Tools-&-Resources/Investment-Planning/Portfolio-Manager I have been using this for a few years and have a ton of info in it. It has been available for free even if you aren't a TRP customer which I am no...
by VeremchukA
Sat Aug 31, 2013 2:18 pm
 
Forum: Investing - Theory, News & General
Topic: T Rowe Price Portfolio Manager gone bad?
Replies: 6
Views: 1644

Re: Vanguard increasing password length

Jeff7, Thanks for your post, very interesting. as well as have the ability to distinguish between upper and lower case ...for real? They don't do that already? Yeah I thought that was wrong when she told me that and it was in the email. Currently I have upper and lower case letters and I am positive...
by VeremchukA
Sun Mar 24, 2013 2:44 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard increasing password length
Replies: 58
Views: 12733

Re: Vanguard increasing password length

Gee I am surprised at so many negative comments. I would have thought everyone would have welcomed this change. I have read a lot of complaining about only 10 characters and the issue of case sensitivity. I viewed this as a great thing and thought everyone would be happy to know this is in the works...
by VeremchukA
Sun Mar 24, 2013 12:20 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard increasing password length
Replies: 58
Views: 12733

Vanguard increasing password length

Sorry if this has been discussed, I don't come here very often so I may have missed it. When asked to fill out a survey due to a recent call to Vanguard, they had an other comments section. I complained that for some time we have wanted a stronger password. I received a call from Vanguard and I aske...
by VeremchukA
Wed Mar 20, 2013 6:11 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard increasing password length
Replies: 58
Views: 12733

Re: Buy XD9 local or online for best price? [Pistol]

I want to thank the moderators for their review of my thread and for reinstating it. I was surprised when I received a message about it being removed for review and felt disappointed this happened, I never expected it to return. I decided to check back tonight and was very surprised to see it back. ...
by VeremchukA
Tue Dec 18, 2012 12:07 am
 
Forum: Personal Consumer Issues
Topic: Buy XD9 local or online for best price? [Pistol]
Replies: 9
Views: 900

Re: Buy XD9 local or online for best price? [Pistol]

I went shooting at a range with 2 friends this week. I fired the XD9 so I do know how it feels and shoots. Also shot a Kimber 1911 .45 Caliber Handgun: Team Match II but I think 45 is more than I need for home defense and target shooting. It was smoother than the XD! But a very expensive pistol. Loc...
by VeremchukA
Sun Dec 16, 2012 7:16 pm
 
Forum: Personal Consumer Issues
Topic: Buy XD9 local or online for best price? [Pistol]
Replies: 9
Views: 900

Buy XD9 local or online for best price? [Pistol]

I want to buy a Springfield Amory XD9. Locally it's about $670 plus state tax. I have read threads about online dealers that offer good prices. I understand there's a shipping and handling charge plus the fee to deliver it to a FFL dealer. Are there online dealers that would make it cheaper to go th...
by VeremchukA
Sun Dec 16, 2012 6:30 pm
 
Forum: Personal Consumer Issues
Topic: Buy XD9 local or online for best price? [Pistol]
Replies: 9
Views: 900

The 3:33:33 Whoop

I thought this was done on any day prior to a holiday? I Googled this and all I can find is that this is done just on a Friday when there is a 3 day holiday. Has anyone ever worked on Wall Street and knows which is correct? I think the 3:33:33 Whoop has stopped. I say this because when the IPO listi...
by VeremchukA
Wed Nov 21, 2012 6:16 pm
 
Forum: Investing - Theory, News & General
Topic: The 3:33:33 Whoop
Replies: 1
Views: 882

Re: TIPS fund, why negative yield?

Sorry I have been busy and did not check this thread for a few days. Phineas J. Whoppee, wonderful explanation and I truly thank you for the time you spent to explain all that, I'm printing it out to save and putting with the paperwork on the TIPS fund. I follow a good amount but I still have a prob...
by VeremchukA
Thu Nov 15, 2012 7:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIPS fund, why negative yield?
Replies: 26
Views: 2869

Re: TIPS fund, why negative yield?

Either no one understands this either or I'm right and no one has replied for that reason? Life was so much simpler when all I did was be 100% in equities and had no concern about fixed income but that's not prudent now.
by VeremchukA
Tue Nov 13, 2012 5:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIPS fund, why negative yield?
Replies: 26
Views: 2869

Re: Which bond fund? Is there much of a difference?

DSInvestor nice chart, can you say rush to security. TBMI and GNMA have tracked very closely over the past 10 years. Munir I agree about the longer duration on the Intermediate-Term Bond Index Fund Admiral Shares (VBILX) so for that reason I prefer Intermediate-Term Investment-Grade Fund Admiral Sha...
by VeremchukA
Tue Nov 13, 2012 5:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which bond fund? Is there much of a difference?
Replies: 28
Views: 2132

Re: Which bond fund? Is there much of a difference?

Thanks for all your replies. Some see the greater diversification of the Vanguard Intermediate-Term Bond Index Fund Admiral Shares (VBILX) as a better choice vs the near total corporate allocation in the other fund which is what I thought too. Based on the two bond funds you are choosing from I like...
by VeremchukA
Mon Nov 12, 2012 10:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which bond fund? Is there much of a difference?
Replies: 28
Views: 2132

Re: TIPS fund, why negative yield?

So let's see if I do understand. Right now inflation is low so yield is negative, demand is high (expected inflation fears?) so the nav is high. Typical see saw action yield down nav up. But when inflation returns some day the yield will increase and eventually be positive this should drive the nav ...
by VeremchukA
Mon Nov 12, 2012 4:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIPS fund, why negative yield?
Replies: 26
Views: 2869

Re: TIPS fund, why negative yield?

Don't COUNT on the total return giving you a boost. At some point (I don't know when), TIPS will have to start giving a positive REAL yield again (and consequently the price of the bonds will go down). Whether it's 10 days or 10 years, I don't know. I bought a bunch of TIPS (thank you Larry, Mel, a...
by VeremchukA
Mon Nov 12, 2012 3:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIPS fund, why negative yield?
Replies: 26
Views: 2869

Re: TIPS fund, why negative yield?

Thank you. These concepts are hard to understand but your explanation helps. I feel this is a leap of faith so to speak, it seems that inflation will be a problem in the near future and TIPS will help retain purchasing power. I was thinking of doing this a year ago but it just didn't look right the ...
by VeremchukA
Sun Nov 11, 2012 11:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIPS fund, why negative yield?
Replies: 26
Views: 2869

Re: TIPS fund, why negative yield?

Sorry I don't understand. Isn't the TIPS fund return positive due to increased nav? If this was a regular bond fund I'd understand the price/yield movements but TIPS are confusing. I'm concerned I would put money into a fund that is obviously (to someone that does understand this) losing money yet t...
by VeremchukA
Sun Nov 11, 2012 11:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIPS fund, why negative yield?
Replies: 26
Views: 2869

Re: Which bond fund? Is there much of a difference?

The intermediate term index fund has greater diversification, and will be less correlated to equities if there is another financial crisis. The investement grade corporate fund might eek out a bit more return. Given that the primary purposes of bonds in most portfolios is to provide ballast and sta...
by VeremchukA
Sun Nov 11, 2012 11:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which bond fund? Is there much of a difference?
Replies: 28
Views: 2132

TIPS fund, why negative yield?

Why has the TIPS fund had a negative yield for several months (or is it years)? The return is positive so that must be due to nav appreciation, admiral shares 7.59% for 1 year. Is it normal for the TIPS fund to have a negative SEC yield? I pretty much understand how TIPS work but it is a bit confusi...
by VeremchukA
Sun Nov 11, 2012 9:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIPS fund, why negative yield?
Replies: 26
Views: 2869

Re: Which bond fund? Is there much of a difference?

What's your investment time horizon for these funds? Generally you want to align the duration of the bond fund with. Without that information its hard to say which fund makes more sense. Also, can you explain why you are limiting the choices to those two funds? I don't currently have a need to take...
by VeremchukA
Sun Nov 11, 2012 9:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which bond fund? Is there much of a difference?
Replies: 28
Views: 2132

Re: Which bond fund? Is there much of a difference?

Thank you for your reply.

OK I did not mention TBMI because I did not want to consider it so now I'd like to exclude it from this discussion. My focus is on the 2 named funds.

Thank you.
by VeremchukA
Sun Nov 11, 2012 7:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which bond fund? Is there much of a difference?
Replies: 28
Views: 2132

Which bond fund? Is there much of a difference?

Hi, I have had 1/3 of my fixed income allocation in the Vanguard GNMA fund in a rollover IRA for over 5 years and earlier this year I decided that I'd move out of it by year end. I am looking at the Vanguard Intermediate-Term Bond Index Fund Admiral Shares (VBILX) or the Vanguard Intermediate-Term I...
by VeremchukA
Sun Nov 11, 2012 6:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which bond fund? Is there much of a difference?
Replies: 28
Views: 2132

Re: We need a new forum just for retirement issues

HELL NO! I think a specific forum on retirement issues is not just a bad idea, it is a very bad idea. Most saving and investing done throughout one's life is done for retirement. We definitely do not need more subdivision of lifetime saving and investing decisions. Instead what we need is more inte...
by VeremchukA
Mon Aug 20, 2012 4:49 pm
 
Forum: Forum Issues and Administration
Topic: We need a new forum just for retirement issues
Replies: 115
Views: 10909

Re: Lately it's always something!

Thanks, the reply with the link to the 5/8 thread explained it. I thought I did something wrong and was in trouble! Recently I stumbled upon 2 warnings I got years ago and had forgotten about and since that was a couple of weeks ago I thought this was tied to that! Paranoid? All's well that ends well.
by VeremchukA
Tue May 08, 2012 9:54 pm
 
Forum: Forum Issues and Administration
Topic: Lately it's always something!
Replies: 7
Views: 860

Re: Lately it's always something!

Search for what?
by VeremchukA
Tue May 08, 2012 9:42 pm
 
Forum: Forum Issues and Administration
Topic: Lately it's always something!
Replies: 7
Views: 860

Lately it's always something!

I don't login here very often, usually once a month unless I have a thread to follow. So I just tried to log in and I got this message in red across the top of the screen and was not allowed to login until I answered a question. Last time I logged in was probably a couple of weeks ago. You exceeded ...
by VeremchukA
Tue May 08, 2012 9:36 pm
 
Forum: Forum Issues and Administration
Topic: Lately it's always something!
Replies: 7
Views: 860

Re: Upgrade from FireFox 3.6.28 to version 11.0?

Version 12: Silent updates -- Firefox will now automatically update to each version without any effort from you. This is how Chrome currently works and I have not had any issues. This can be disabled by going into Options -> Advanced -> Update. Thanks for the warning and how to stop that! I'll deci...
by VeremchukA
Wed Apr 25, 2012 5:53 pm
 
Forum: Personal Consumer Issues
Topic: Upgrade from FireFox 3.6.28 to version 11.0?
Replies: 34
Views: 1859

What does this mean?

I went into control panel and in the overview tab I saw "Your warning level: [2]". Does this mean I am getting warning for doing something to violate the rules here or is it a setting re something else? I try to behave and if I'm getting warnings I want to know what I did so I don't do it ...
by VeremchukA
Tue Apr 24, 2012 10:14 am
 
Forum: Forum Issues and Administration
Topic: What does this mean?
Replies: 5
Views: 782

Re: Upgrade from FireFox 3.6.28 to version 11.0?

I'm not sure how you could live to regret making your computer more secure against browser vulnerabilities. This whole topic reeks of Let Me Google That For You. Your comment reeks of another snarky reply. If you can't say something nice or helpful why bother? Not that I need to explain myself to y...
by VeremchukA
Tue Apr 24, 2012 10:08 am
 
Forum: Personal Consumer Issues
Topic: Upgrade from FireFox 3.6.28 to version 11.0?
Replies: 34
Views: 1859

Re: Upgrade from FireFox 3.6.28 to version 11.0?

April 24! I guess I have to! I figured I had many weeks to go before it was really going to be an issue. I tried the create a restore point and it went ok so I guess I'll upgrade to ver 11. I hope I don't live to regret this! :confused
by VeremchukA
Mon Apr 23, 2012 11:19 pm
 
Forum: Personal Consumer Issues
Topic: Upgrade from FireFox 3.6.28 to version 11.0?
Replies: 34
Views: 1859

Re: Upgrade from FireFox 3.6.28 to version 11.0?

I always have upgraded to the newest version of FF for years but this is the 1st time I have seen messages like this. Yeah I am pretty average nothing fancy but my concern is that these things are used by software I use. I did upgrade to v 11 6+ weeks ago and immediately disliked the looks and felt ...
by VeremchukA
Mon Apr 23, 2012 10:49 pm
 
Forum: Personal Consumer Issues
Topic: Upgrade from FireFox 3.6.28 to version 11.0?
Replies: 34
Views: 1859

Upgrade from FireFox 3.6.28 to version 11.0?

I have been getting a window about upgrading to Firefox 11.0 for the past few weeks but I am wondering if it is a mistake. My OS is Vista with a 64 bit OS. I'm currently running FF ver 3.6.28 and things are fine. I use Open Office not Microsoft Word, I use Norton Antivirus and after searching for 10...
by VeremchukA
Mon Apr 23, 2012 10:10 pm
 
Forum: Personal Consumer Issues
Topic: Upgrade from FireFox 3.6.28 to version 11.0?
Replies: 34
Views: 1859

SS and taxes, is this true?

I had my taxes done today by an AARP volunteer at the library in town. When he was done I asked how to adjust my 2012 withholding for state and federal taxes this year since SS will boost my income, I try to break close to even each year. He told me that I'd actually pay less in taxes due to my pens...
by VeremchukA
Tue Feb 21, 2012 11:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: SS and taxes, is this true?
Replies: 10
Views: 1455

Re: Intermediate-Term Tax-Exempt Fund vs Ally Online Savings

I agree, it was just an observation, just what if you had done this then... not that anyone could have known but doing it was like stepping in $^@! :shock:
by VeremchukA
Tue Jan 31, 2012 10:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Intermediate-Term Tax-Exempt Fund vs Ally Online Savings
Replies: 15
Views: 2167

Re: Intermediate-Term Tax-Exempt Fund vs Ally Online Savings

Boy it sure was a no brainer last year on this date! No it wasn't. What may not be obvious about the chart from a year ago is that we were in the aftermath of the Meredith Whitney prediction that there would be massive Muni Fund defaults, etc and there was a flight out of Municipal bonds. That dip ...
by VeremchukA
Sun Jan 29, 2012 3:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Intermediate-Term Tax-Exempt Fund vs Ally Online Savings
Replies: 15
Views: 2167

Re: Intermediate-Term Tax-Exempt Fund vs Ally Online Savings

Thanks. The money is not needed in 2 years, I might need some before that for various expenses. I said 2 years because that's how long the Fed will keep rates at this low level thinking in later 2014 moving funds out of this fund. I understand this fund does not have FDIC insurance like Ally online ...
by VeremchukA
Sun Jan 29, 2012 12:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Intermediate-Term Tax-Exempt Fund vs Ally Online Savings
Replies: 15
Views: 2167

Intermediate-Term Tax-Exempt Fund vs Ally Online Savings

I am curious what I am missing here. Instead of using my Ally online savings account that pays 1% and the dividends are taxable why not use the Vanguard Intermediate-Term Tax-Exempt Fund? The expense ratio for Investor shares is just 20 basis points. I am in the 15% federal tax bracket. Perhaps last...
by VeremchukA
Sun Jan 29, 2012 12:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Intermediate-Term Tax-Exempt Fund vs Ally Online Savings
Replies: 15
Views: 2167

Re: Firefox 3.6.25 to 9.0.1?

"Bigger is better" or some such silliness. Silliness? I think not. Try downloading the latest release of Netscape Navigator... I was referring to the inflation of the version number, not the quality of the product itself. Why follow up on version 9 with version 10 only 6 weeks later? If y...
by VeremchukA
Thu Jan 26, 2012 1:47 am
 
Forum: Personal Consumer Issues
Topic: Firefox 3.6.25 to 9.0.1?
Replies: 10
Views: 368

Firefox 3.6.25 to 9.0.1?

I was prompted to upgrade maybe 6 weeks ago so I did but immediately I thought a few 'things' looked a little different. Specifically I thought that the bookmarks and organizing them was different, I wasn't sure how to manage them as I had been and so I figured other things were going to be differen...
by VeremchukA
Thu Jan 26, 2012 12:01 am
 
Forum: Personal Consumer Issues
Topic: Firefox 3.6.25 to 9.0.1?
Replies: 10
Views: 368

Charter tv/phone/internet

I suppose there are good and bad reviews on this topic, anyone have Charter and do you like the TV, phone and internet service? I guess I'm curious to see if there are any horror stories like it looked great but it sucks and if I knew then what I know now I never would have done this. Seems pretty s...
by VeremchukA
Wed Jan 25, 2012 3:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Charter tv/phone/internet
Replies: 3
Views: 312

Re: Does fruit cake require refrigeration?

And by the way, some of you all may not realize that today, 12/27, is national fruitcake day. Hurray! I love fruit cake. :D Even cheap fruit cake is pretty good but good fruit cake is excellent! I thought the booze was the reason it wouldn't require any refrigeration this is why I asked. I'd be hea...
by VeremchukA
Wed Dec 28, 2011 1:51 am
 
Forum: Personal Consumer Issues
Topic: Does fruit cake require refrigeration?
Replies: 14
Views: 1679

Does fruit cake require refrigeration?

This is grocery store bought, no booze in it. Lots of dried fruit, cherries, green pineapple, nuts. I have 2 and both are very dense, heavy for their size. I have opened both and have kept them on the counter for 5 or 6 days. I love fruit cake (I know many don't) and I'd hate for them to get moldy.
by VeremchukA
Tue Dec 27, 2011 3:59 pm
 
Forum: Personal Consumer Issues
Topic: Does fruit cake require refrigeration?
Replies: 14
Views: 1679

Re: A food processor or a 'boat motor'?

Yeah pureeing soup would be the main use, pesto is nice but only in summer and probably not as often as for soup.

sscritic, you cracked me up! :lol:
by VeremchukA
Tue Dec 13, 2011 1:18 pm
 
Forum: Personal Consumer Issues
Topic: A food processor or a 'boat motor'?
Replies: 21
Views: 1156

A food processor or a 'boat motor'?

I would like a kitchen tool for pureeing soups and making pesto, nothing else. Which is better for my needs? A food processor seems like a good choice but they cost close to $100 and I don't want or need one for cutting/slicing things so they can do things I wouldn't use it for. A hand held mixer, E...
by VeremchukA
Tue Dec 13, 2011 12:27 pm
 
Forum: Personal Consumer Issues
Topic: A food processor or a 'boat motor'?
Replies: 21
Views: 1156
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