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

Invest Your Money In Gold/Bitcoin/Silver Gold is a great hedge against inflation, they say. Bitcoin and other cryptocurrencies are the future, they say. You need to put your money into these things for retirement, they say. Why It’s Wrong First of all, gold is incredibly volatile, even more so than ...
by airahcaz
Thu Mar 05, 2015 3:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Gold Coins for FUN, I mean.... investing
Replies: 53
Views: 4528

Re: Where's your Will?

Downeastah wrote:We have ours in the freezer

Seriously? Interesting - never seen that one.
by airahcaz
Wed Mar 04, 2015 8:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Where's your Will?
Replies: 42
Views: 2154

Re: Where's your Will?

We have duplicate originals at home and at lawyer's office Wills should never have duplicate originals. Are you sure it isn't duplicate originals of a revocable trust? Gill Nolo recommends that you have only one signed original. It is perfectly fine to have duplicates as long as they are not signed...
by airahcaz
Tue Mar 03, 2015 8:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where's your Will?
Replies: 42
Views: 2154

Re: What is the best way to buy physical gold and silver?

TheTimeLord wrote:Any buyers of physical gold left?


I'm interested.
by airahcaz
Mon Mar 02, 2015 10:54 pm
 
Forum: Investing - Theory, News & General
Topic: What is the best way to buy physical gold and silver?
Replies: 76
Views: 11512

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

Stonebr wrote: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?
by airahcaz
Mon Mar 02, 2015 8:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Gold Coins for FUN, I mean.... investing
Replies: 53
Views: 4528

Re: 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 airahcaz
Mon Mar 02, 2015 8:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Gold Coins for FUN, I mean.... investing
Replies: 53
Views: 4528

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

I'd actually like to buy specific years for my niece and nephews, e.g. 2009.

Suggestions on best place to do so?
by airahcaz
Mon Mar 02, 2015 8:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Gold Coins for FUN, I mean.... investing
Replies: 53
Views: 4528

Re: Where's your Will?

" You may select one option. " Doesn't work. We have duplicate originals at home and at lawyer's office, as well as scanned copy of original, which is on home & work PCs, stored in the cloud, and emailed to each of our sons, our parents, and one trusted sibling of DW. I think one or m...
by airahcaz
Mon Mar 02, 2015 3:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where's your Will?
Replies: 42
Views: 2154

Re: Where's your Will?

cheese_breath wrote:None of the above. I have a copy at home, but the original is on file with the county clerk.


How does one submit to county clerk and for what purpose?
by airahcaz
Mon Mar 02, 2015 3:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where's your Will?
Replies: 42
Views: 2154

Where's your Will?

POLL: Where's your Will? and where should you keep your Will?
by airahcaz
Mon Mar 02, 2015 3:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where's your Will?
Replies: 42
Views: 2154

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

What are the downfalls/disadvantages in buying an American Eagle every year for 30 years? Advantages, over 30 years, is hopefully accumulating an asset that has increased in value over the very long term, diversification, etc. For argument sake, let's say this amasses to today's spot ~$1200 x 30 yea...
by airahcaz
Mon Mar 02, 2015 3:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Gold Coins for FUN, I mean.... investing
Replies: 53
Views: 4528

Re: Re:

Even a fireproof safe at home is only fireproof for a set amount of hours. Then the gold melts and... Begs the serious question, where does one keep their gold, bank safety deposit box? Put the coins in a fireproof ceramic bowl in the safe. If they melt you'll have a bowl of gold soup. lol, but ser...
by airahcaz
Mon Mar 02, 2015 12:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Gold Coins for FUN, I mean.... investing
Replies: 53
Views: 4528

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

Who bumps a four year old thread, seriously? There are extensive reviews of fireproof safes online. Given the bogleheads dim view of precious metals, this is certainly not where I would look for advise. Finally, purchasing metals is pure speculation, not investment. Call it a hedge or whatever you ...
by airahcaz
Mon Mar 02, 2015 11:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Gold Coins for FUN, I mean.... investing
Replies: 53
Views: 4528

Re: Re:

You cannot buy simple bullion coins directly from the US Mint. They do, however, sell them in "uncirculated" and proof, at a higher price than the bullion value of course. Is this the "mark-up" to which you were referring? All these government minted bullion coins do have a mint...
by airahcaz
Mon Mar 02, 2015 7:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Gold Coins for FUN, I mean.... investing
Replies: 53
Views: 4528

Re: International is disappointing

So disappointing that I'm considering taking the risk and going 100% Vanguard TSM (Total Stock Market). That would imply selling your TISM. I am staying (my own) course of 100% stocks, 85% domestic and growing, 15% international and diminishing (unless TISM starts to outperform) . Excuse me, but yo...
by airahcaz
Sat Feb 28, 2015 5:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: International is disappointing
Replies: 72
Views: 4488

Re: International is disappointing

Vanguard Total International has underperformed the S&P 500 in the past 5 years by more than 60%? So disappointing that I'm considering taking the risk and going 100% Vanguard TSM (Total Stock Market). Straight from your signature: "1) Invest you must 2) Time is your friend 3) Impulse is y...
by airahcaz
Sat Feb 28, 2015 5:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: International is disappointing
Replies: 72
Views: 4488

Re: International is disappointing

Wait. How is letting your TISM allocation drop to 1% staying the course?[/quote] Not selling whatever I have in TISM now or ever.[/quote] There's no difference between not investing new money and selling. :happy Alice has $200,000 invested 80/20 in TSM and TISM. She sees that TISM has done badly, so...
by airahcaz
Sat Feb 28, 2015 3:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: International is disappointing
Replies: 72
Views: 4488

Re: International is disappointing

True, however, that if TISM is 15% now, that I have stopped contributing to it years ag o and only contribute to TSM, and will keep it that way (in my remaining lifetime), even if TISM's allocation goes to 1%. True that, lastly, I was blowing off steam, and will ultimately stay the course. Wait. Ho...
by airahcaz
Sat Feb 28, 2015 2:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: International is disappointing
Replies: 72
Views: 4488

Re: International is disappointing

I am staying (my own) course of 100% stocks, 85% domestic and growing, 15% international and diminishing (unless TISM starts to outperform) . This "course" clearly includes market timing. Bon voyage. Possibly market timing but not necessarily. The OP could be planning to buy and hold, whi...
by airahcaz
Sat Feb 28, 2015 2:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: International is disappointing
Replies: 72
Views: 4488

Re: International is disappointing

I am staying (my own) course of 100% stocks, 85% domestic and growing, 15% international and diminishing (unless TISM starts to outperform). This "course" clearly includes market timing. Bon voyage. Possibly market timing but not necessarily. The OP could be planning to buy and hold, whic...
by airahcaz
Sat Feb 28, 2015 1:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: International is disappointing
Replies: 72
Views: 4488

Re: International is disappointing

OP, stay the course! What's happening is actually a good thing - it's called diversification at work, and presumably that's the reason you bought TISM in the first place. If the reason is any other - i.e. increased returns - well, you are in it for the wrong reason, and you will continue making inv...
by airahcaz
Sat Feb 28, 2015 12:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: International is disappointing
Replies: 72
Views: 4488

Re: International is disappointing

Vanguard Total International has underperformed the S&P 500 in the past 5 years by more than 60%? So disappointing that I'm considering taking the risk and going 100% Vanguard TSM (Total Stock Market). The exact emotional wrong-headed thinking that causes most investors to realize poor long-ter...
by airahcaz
Sat Feb 28, 2015 12:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: International is disappointing
Replies: 72
Views: 4488

Re: IRA balance goes to zero immediately triggers taxes?

My fun in the investment world is watching my net worth continue growing over time and knowing it will be enough to support me through the rest of my retirement. I don't trade on margin. I don't jump off bridges attached to bungee cords either, although that's probably safer than trading on margin....
by airahcaz
Sat Feb 28, 2015 9:54 am
 
Forum: Investing - Theory, News & General
Topic: IRA balance goes to zero immediately triggers taxes?
Replies: 7
Views: 644

IRA balance goes to zero immediately triggers taxes?

Is this true when any time have an IRA account balance goes to zero? http://wiki.fool.com/Can_You_Trade_on_Margin_in_an_IRA%3F#Warnings There is no fun in the investment world without risk, and margin IRAs have high risks. If you at any time have an IRA account balance of zero, or if there is any ty...
by airahcaz
Sat Feb 28, 2015 7:52 am
 
Forum: Investing - Theory, News & General
Topic: IRA balance goes to zero immediately triggers taxes?
Replies: 7
Views: 644

Re: International is disappointing

Since you have International at 15% then it probably does not make a huge difference whether you rebalance that or not. I think much more disturbing is your thought to kick an asset class to the side when it has 5 years of relative under performance. I think that is the issue you need to give thoug...
by airahcaz
Sat Feb 28, 2015 7:42 am
 
Forum: Investing - Help with Personal Investments
Topic: International is disappointing
Replies: 72
Views: 4488

Re: International is disappointing

True, however, that if TISM is 15% now, that I have stopped contributing to it years ag o and only contribute to TSM, and will keep it that way (in my remaining lifetime), even if TISM's allocation goes to 1%. True that, lastly, I was blowing off steam, and will ultimately stay the course. Wait. Ho...
by airahcaz
Fri Feb 27, 2015 8:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: International is disappointing
Replies: 72
Views: 4488

Re: International is disappointing

True that I believed in the diversification and thus initially bought into TISM. True that I should not now buy high sell (it) low. True that I was pointing out disappointment with international returns over the past decade. True that I don't have any faith that international will ever beat TSM over...
by airahcaz
Fri Feb 27, 2015 8:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: International is disappointing
Replies: 72
Views: 4488

Re: International is disappointing

poker27 wrote:
Dutch wrote:You want to buy low and sell high.

Not the other way around.


x2

If international beats US returns by 60% over the next 5 years, will you go all in to international?



No, would reduce international exposure at that point.
by airahcaz
Fri Feb 27, 2015 4:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: International is disappointing
Replies: 72
Views: 4488

Re: Roth contributions as long as you can?

Why would you not (so long as you have the earned income for it?) Cause it's not immediately available for withdrawal without repercussions? What repercussions are there when withdrawing Roth contributions? OP didn't mention conversions. 5 years for Earnings. "A qualified distribution from a R...
by airahcaz
Fri Feb 27, 2015 4:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth contributions as long as you can?
Replies: 19
Views: 2179

Re: International is disappointing

airahcaz wrote:Vanguard Total International has underperformed the S&P 500 in the past 5 years by more than 60%?

So disappointing that I'm considering taking the risk and going 100% Vanguard TSM (Total Stock Market).


It's actually underperformed by more than 60%, correct?
by airahcaz
Fri Feb 27, 2015 4:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: International is disappointing
Replies: 72
Views: 4488

Re: International is disappointing

Of the slices you make of the market, some will wax and some will wane---and just when you notice the relativity, they change and do it again. More seriously, maybe, to combat worry and regret, you could make market churn less visible and just invest in stocks through total world. Total World has t...
by airahcaz
Fri Feb 27, 2015 4:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: International is disappointing
Replies: 72
Views: 4488

Re: Roth contributions as long as you can?

Why would you not (so long as you have the earned income for it?) Cause it's not immediately available for withdrawal without repercussions? What repercussions are there when withdrawing Roth contributions? OP didn't mention conversions. 5 years for Earnings. "A qualified distribution from a R...
by airahcaz
Fri Feb 27, 2015 3:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth contributions as long as you can?
Replies: 19
Views: 2179

Re: International is disappointing

This is surprising to you? Watch FNC for a little while if it is, you'll see why very shortly. Markets don't like hostilities and uncertainty. And while we have our fair share in the USA, the rest of the world is far worse. Stick to your AA. If you don't like the international exposure for other re...
by airahcaz
Fri Feb 27, 2015 3:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: International is disappointing
Replies: 72
Views: 4488

International is disappointing

Vanguard Total International has underperformed the S&P 500 in the past 5 years by more than 60%?

So disappointing that I'm considering taking the risk and going 100% Vanguard TSM (Total Stock Market).
by airahcaz
Fri Feb 27, 2015 3:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: International is disappointing
Replies: 72
Views: 4488

Re: Roth contributions as long as you can?

Dulocracy wrote:Why would you not (so long as you have the earned income for it?)


Cause it's not immediately available for withdrawal without repercussions?
by airahcaz
Fri Feb 27, 2015 2:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth contributions as long as you can?
Replies: 19
Views: 2179

Roth contributions as long as you can?

If one has the earned income and is still working into their 70's, doesn't it still make sense to contribute to Roth IRA, especially if the person doesn't need to tap it, and wants to leave it as maybe legacy?
by airahcaz
Fri Feb 27, 2015 7:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Roth contributions as long as you can?
Replies: 19
Views: 2179

Re: AAPL

airahcaz wrote:130 next week?

this panned out, then downward, but then back up because March 9th announcement, fickle market

I do wonder though, if every iPhone owner would also want a watch. I would want one.
by airahcaz
Thu Feb 26, 2015 2:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: AAPL
Replies: 209
Views: 45412

Fidelity IRA match up to $1950

Anyone have an opinion on the new Fidelity IRA match up to $1950?
More importantly, if IRA limit is governed by IRS annually, does a Fidelity match have to be accounted for, else one risks over contribution?
by airahcaz
Thu Feb 26, 2015 7:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity IRA match up to $1950
Replies: 1
Views: 449

Re: Betterment portfolio optimization

I have heard of Betterment recently and finally checked out their website thanks to this thread. Marketing aside, I do think that it could be a fine product. The problem with Target Retirement funds (as from Vanguard) as the default choice for newbies is the inability to optimize taxable and tax-sh...
by airahcaz
Wed Feb 25, 2015 4:59 pm
 
Forum: Investing - Theory, News & General
Topic: Betterment portfolio optimization
Replies: 71
Views: 8418

Re: Yet another how much to save for retirement question....

Welcome to the forum. If I'm reading this correctly you want an extra 90K / yr [150k - (5k x 12)] starting in 25 years and running for 30 years after that. Just a guess and it's not adjusted for inflation but - Assuming 3% SWR you'll need 3 mil in 25 years. Assuming a 4% SWR you'll need about 2.25 ...
by airahcaz
Tue Feb 24, 2015 11:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Yet another how much to save for retirement question.....
Replies: 5
Views: 695

Re: Buy and Hold Forever Stocks

Should I be exasperated or just "LOL" as the kids say? Is there a way to ask a question on this forum of those participants who perchance allow themselves some little exception or other to Generally Accepted Bogleheads Standards without getting inundated by the Holy Bogle Church's own sel...
by airahcaz
Tue Feb 24, 2015 10:35 pm
 
Forum: Investing - Theory, News & General
Topic: Buy and Hold Forever Stocks
Replies: 101
Views: 7709

Re: How much has Bogleheads contributed to your net worth?

Megabackdoor and indexing plus many more that I've learned from BH that has helped me from negative net worth to positive, so definitely more than 50%. What is ironic is if it were a paid service, I, and many of us, would not have joined. Knowing now the vast knowledge of BH, dare I say I'd pay a sm...
by airahcaz
Tue Feb 24, 2015 7:43 am
 
Forum: Personal Finance (Not Investing)
Topic: How much has Bogleheads contributed to your net worth?
Replies: 58
Views: 4123

Re: Tesla Motors Stock

Tesla does not have any magic technology that no one else has. Tesla has a wonderful halo effect going on. That's true and if they did before, they released their patents anyway. I don't think it's so much a "halo effect" as it is a "finally!" effect. A lot of people have wanted...
by airahcaz
Mon Feb 23, 2015 7:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tesla Motors Stock
Replies: 232
Views: 18926

Re: Sudden Millions in Retirement Account

surfstar wrote:I wanna know, is this pre or post options planning?

If you're asking me, it is a bit of both, AAPL has to really perform (even more) this year. :D
by airahcaz
Mon Feb 23, 2015 5:11 pm
 
Forum: Investing - Theory, News & General
Topic: Sudden Millions in Retirement Account
Replies: 15
Views: 3866

Re: Sudden Millions in Retirement Account

randomguy wrote:
airahcaz wrote:
security backed loans are not allowed on retirement accounts though?


No clue. But I am sure if you have 10million dollars that will be available in a certain time period, someone will lend you money.


lol :sharebeer
by airahcaz
Mon Feb 23, 2015 4:59 pm
 
Forum: Investing - Theory, News & General
Topic: Sudden Millions in Retirement Account
Replies: 15
Views: 3866

Re: Sudden Millions in Retirement Account

The hypothetical example: Your X thousand become Y million via a very risky and lucky options trade you did in an IRA. For this example, lets say Roth IRA. Assumedly one has enough to now retire or take a significantly less stressful and less paying job, but is not above 59 1/2. To avoid 10% penalt...
by airahcaz
Mon Feb 23, 2015 4:46 pm
 
Forum: Investing - Theory, News & General
Topic: Sudden Millions in Retirement Account
Replies: 15
Views: 3866

Re: Sudden Millions in Retirement Account

There really isn't enough information here for a reasonable answer. Certainly withdrawing from a Roth early should be a last resort because you give up a lot of very valuable tax benefits by doing so. The fact that you don't have to save anymore should free up at least 15-20% of your income if you ...
by airahcaz
Mon Feb 23, 2015 4:24 pm
 
Forum: Investing - Theory, News & General
Topic: Sudden Millions in Retirement Account
Replies: 15
Views: 3866

Re: Buying a house

We bought in Sept 2014 :)
by airahcaz
Mon Feb 23, 2015 4:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying a house
Replies: 16
Views: 2330

Re: What's your dream car?

Like a lot of you on the east coast, I am snowed in today. In the winter, a car nut's fancy lightly turns to thoughts of winding mountain roads and high powered automobiles. (Apologies to Tennyson) Cheer me up with your car fantasy. Your dream car and when/where you would want to be driving it. Rul...
by airahcaz
Mon Feb 23, 2015 4:12 pm
 
Forum: Personal Consumer Issues
Topic: What's your dream car?
Replies: 197
Views: 12518

Re: Tesla Motors Stock

knpstr wrote:
airahcaz wrote:Today AAPL up big, TSLA down even bigger percentage-wise...


Surely we all know daily fluctuations are just about meaningless for the long-term holder.



Absolutely, even owning individual stocks when we should all be indexed, still fun to watch.
by airahcaz
Mon Feb 23, 2015 2:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tesla Motors Stock
Replies: 232
Views: 18926
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