Bogleheads.org

Down to 385 and now on a tear back up from there, on the debt issuance and rich guy pouring $100M into AAPL...

Bacchus01 wrote:I don't have an option to put the money in cash, so I'll put it in a fund and pay taxes on any gains.

Money market fund?

Thanks. I usually hit the pre-tax max around September. That gives me 3+ months to then do the after-tax and hit about $16K over those 3 months. Actually, I could do this over about 2 months and avoid too much in the way of gain/loss fluctuation. I don't want the hassle of doing it every payroll an...

What is most people's approach to this? Do they do it once a year? Do it every two weeks? When? I have the ability to do this through the year and just move it all at once, or I could do this across about 4 paychecks and then move it all at once. Or move it every few weeks (not preferred because of...

this one is intriguing, so what is the advantage of rolling it over versus directly investing in the Roth? Can exceed the $5000 annual IRA limit? Yes, you can. Last year I contributed $23k after-tax, and I rolled them over to my Roth in january. My employer allows one "in-service withdrawal&qu...

I'm bumping this to the top and hoping for some simplicity. Assuming you can max the $17K pre-tax and have a 50% company match. And you do a $5.5K backdoor Roth, how much more could you do after-tax through your 401K after tax and then roll out to a Roth, assuming you can do in-service withdrawals?...

I'm bumping this to the top and hoping for some simplicity. Assuming you can max the $17K pre-tax and have a 50% company match. And you do a $5.5K backdoor Roth, how much more could you do after-tax through your 401K after tax and then roll out to a Roth, assuming you can do in-service withdrawals?...

I had at one point got it to populate as I had the same concern, but I think TT does this on purpose - we end up in the same place, and I have spent over an hour on this, till I found this post: https://ttlc.intuit.com/questions/1360544-why-does-line-10-of-form-8606-show-an-x-there-is-nothing-else-o...

If a former NJ resident has officially moved to another state, but continues to own real estate in NJ (say as rental property), which state's estate law applies? Will NJ estate taxes still apply to the real estate located in NJ? If the new state has an estate tax, it will tax the entire estate, exc...

Not everyone who lives in NJ is loaded. Therefore the estate tax would not apply to them. People who leave the state are doing for one of three reasons 1)property taxes are oppressive in NJ, 2)do you like shoveling or digging out from 2 foot+ snowstorms and bone chilling weather in your older ages ...

Although the fed limit is $5M per spouse, how do folks generally handle state estate taxes smartly ?

This can be a very significant tax, and probably the reason folks flock from NJ to Floida for retirement as an example of avoiding estate tax?

My conclusion (after studying the data intently for years) is to go 50/50 on US/International. Not so much because of CAGR, or any of the other stats... but mostly because of diversification. It's also simple (rebalancing is easy), and it's near Global allocation which IMO is more diversified than ...

Here is a few crunches from that data set on TSM and Total Intl... 1970-2012 (annual rebalancing). 100% TSM 545,800.07 = 10K Growth 9.75 = CAGR 17.86 = StDev 0.34 = Sharpe 100% Total Intl 555,573.65 = 10K Growth 9.79 = CAGR 22.92 = StDev 0.30 = Sharpe 75% TSM, 25% Total Intl (annual rebal) 595,712....

Below are some mixes of Total Markets (50/50 US/Intl) working in Total Bond. Again 1970-2012 (annual rebalancing) TSM...TotIntl...TotBond...10K.Growth....CAGR....StDev...Sharpe ============================================================== .50......50........00.....614,701.63....10.05...18.68....0....

Here is a few crunches from that data set on TSM and Total Intl... 1970-2012 (annual rebalancing). 100% TSM 545,800.07 = 10K Growth 9.75 = CAGR 17.86 = StDev 0.34 = Sharpe 100% Total Intl 555,573.65 = 10K Growth 9.79 = CAGR 22.92 = StDev 0.30 = Sharpe 75% TSM, 25% Total Intl (annual rebal) 595,712....

I think it would be great to marry this data to a chart that shows an international allocation returned better results than just domestic over the same long period, but I don't know how to arrive at that conclusion. ACWI and VT, as well as VTI and SPY only go back so far. Then perform the same exer...

I think it would be great to marry this data to a chart that shows an international allocation returned better results than just domestic over the same long period, but I don't know how to arrive at that conclusion. ACWI and VT, as well as VTI and SPY only go back so far. Then perform the same exerc...

So what do folks make of this very nice chart? The Callan Periodic Table of Investment Returns http://www.callan.com/research/download/?file=periodic%2ffree%2f655.pdf I tried to correlate to the below chart for a 5 year period, and why wouldn't the correlation be a bit closer over the 5 years given ...

Hmm, do these principles apply to luxury cars in the same fashion?

Lot easier to buy a new $30K car - than a $60K car that can be had for $45K used via CPO.

A 2 year old car isn't always 30% cheaper than a new car, and I'd venture to say that would be a rarity. I've never bought a new car (current vehicle was purchased at the end of 2005 as a 2005 model with 6k miles) but I will be looking at new trucks in about 3-5 years. As I'll be paying cash, I wil...

A 2 year old car isn't always 30% cheaper than a new car, and I'd venture to say that would be a rarity. I've never bought a new car (current vehicle was purchased at the end of 2005 as a 2005 model with 6k miles) but I will be looking at new trucks in about 3-5 years. As I'll be paying cash, I wil...

What's the justifications folks go through in buying a new car vs. a well kept/maintained 2 year old car that has already accounted for the 30%+ depreciation? Say the plan is to keep the car at least 7 years. Of course everyone would like new, but is that the primary reason to buy new and hit your w...

The root of the question was firstly curiosity. The second was that one can certainly hope to get to these milestones. The third, and I suppose not many such are on this board, but what do the folks with 10-20-50M do? I'd be willing to bet they get far more exotic, and as many have responded here, u...

Many discussions on the Two Fund or the Three Fund Portfolio. Suppose an investor agrees on either as their sole strategy and thus their sole investments. Is there a point in wealth accumulation that one should potentially think about deviating from this? $1M,$5M,$10M,$20M,$50M,$500M? And why? The o...

What does this cash announcement mean, recovery?

And... BND one of the only up ETFs today

BND is down 1% and at the same time SPY is up 3% since I've bought

chicagobear wrote:Has there ever been a 40 year period when an all equity portfolio (especially if diversified internationally) hasn't beaten a balanced portfolio?

I like this question. Is the answer no?

Consumer Reports has a new piece on washers & dryers in the February 2013 issue. I read it yesterday. In a nutshell, here's what CR recommends: If in the market for a high-efficiency washer, buy a front-loader, not a top-loader. Top loaders fail to clean the clothes as well and do more damage t...

Bottomed or dead cat bounce?

How about we turn the conversation to expertise that bogleheads know.

What would it take to make Aapl return to a growth stock versus becoming a value stock that gets stuck at the same price, yet pays out dividends?

LG front loaders all the way. My wife loves them more than she loves me. We also have LG fridge, micro, gas range, and ever so quiet dishwasher. Love em all. What model number do you have? Slightly older version of this, basically entry level LG and still all good http://www.lg.com/us/washers/lg-WM...

LG front loaders all the way. My wife loves them more than she loves me. We also have LG fridge, micro, gas range, and ever so quiet dishwasher. Love em all. What model number do you have? Slightly older version of this, basically entry level LG and still all good http://www.lg.com/us/washers/lg-WM...

LG front loaders all the way. My wife loves them more than she loves me. We also have LG fridge, micro, gas range, and ever so quiet dishwasher. Love em all.

Spanked. 700 in a year?

Had to bail. Sold the 1000 strike and bought the 700

Bloody aapl, let's see if it recovers

I'm a 100% indexer, except when I'm not, which in this case was to gamble on less than 2% of my portfolio on some long dated call options which could still pan out before 2014, but I wholeheartedly agree that guessing a stock's direction simply detracts from the simplicity of index investing for the...

Dam it Apple.

Closed a very even, oddly, 500.

cybernut wrote:I use some independent contractors (programmers/developers). I have used Xoom and Paypal. Works well.

Can they Paypal FROM the overseas country back to us in the US?

Xoom worked perfectly, am using it twice now, can send up to $2999 daily I believe.

Now to see how the Philippines can send money back, anyone?

Just tried Xoom. Looks great!

What's the best way to send money overseas from the US - particularly the Philippines?

Fair enough, but the additional yield is worth the risk of BND going down should one need to sell to cover... Risk shows up when you need the money most - unless you are willing to post 125% of the value needed to cover, I would say no it's not. Sounds high 125, right? - wrong, when markets went il...

We actually ALL get it. AAPL is an individual stock - thus a gamble to some, or a small allocation of their investment/portfolio for others.

Fair enough, but the additional yield is worth the risk of BND going down should one need to sell to cover...

Can BND be used as this "cash-equivalent" collateral?

Specifically for a cash secured naked put (aka written or short put), other than actual cash, what are some cash equivalents that can be / are recommended to use?

Yup

See thishttp://finance.yahoo.com/news/tom-demark-apples-stock-bottomed-141247142.html

We'll all know Jan 23rd right?