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Re: Apple Stock - Seems great, right?

This past year I'm up about $350k from my Apple stock (over 50% appreciation). I consider myself a wannabe boglehead but majority of my savings are in Apple stock. I must hold until June to wait for long term status to kick so i'll save about 20% taxes which is significant. I wish I had the guts to...
by bru
Mon Nov 24, 2014 11:22 pm
 
Forum: Investing - Theory, News & General
Topic: Apple Stock - Seems great, right?
Replies: 116
Views: 10923

Re: Help: Three Fund Portfolio at Fidelity

Use the Spartan Total Stock Index and the Spartan US bond Index at Fidelity because these are essentially identical to the Vanguard versions. Use Vanguard's Total International Index because it is more complete than the Fido funds. If you must hold international at Fido, use the Spartan Global Exce...
by bru
Sun Nov 23, 2014 2:40 pm
 
Forum: Investing - Theory, News & General
Topic: Help: Three Fund Portfolio at Fidelity
Replies: 36
Views: 3059

Re: Apple Stock - Seems great, right?

Every person has their own individual level of risk tolerance. There are fewer "I made a bunch of money on XYZ" threads because they're not as dramatic as losing 93% of your retirement assets. The problem is that a success is a success until it's not. What about AAPL's massive pullback fr...
by bru
Fri Nov 21, 2014 9:08 pm
 
Forum: Investing - Theory, News & General
Topic: Apple Stock - Seems great, right?
Replies: 116
Views: 10923

Re: Apple Stock - Seems great, right?

I was merely pointing out that it's pretty easy to come on a message board and tout all the great picks you made... and noting that I'd take those with a grain of salt without proof. I didn't come on a message board to "tout" anything. I posted in two different threads about AAPL. In the ...
by bru
Fri Nov 21, 2014 8:41 pm
 
Forum: Investing - Theory, News & General
Topic: Apple Stock - Seems great, right?
Replies: 116
Views: 10923

Re: Vanguard launches new offering ... [Vanguard merchandise

Many of us got a free Vanguard T-Shirt a few years back. Now they are charging?? So much for any more freebies.
by bru
Thu Nov 20, 2014 8:56 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 115
Views: 11251

Re: What to prepare for first baby due next month?

Have a 2 yr. old and my wife and me are both physicians and we both will EASILY admit being a first time parent is MUCH harder then any year of education or residency training we have had. Then I should have gone to medical school. Maybe being a later in life parent clouded my recollection but we r...
by bru
Thu Nov 20, 2014 8:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to prepare for first baby due next month?
Replies: 55
Views: 2751

Re: Apple Stock - Seems great, right?

I'm patiently waiting for this thread on AAPL to be a repeat of the GTAT thread :twisted: I also would love to see some trade confirms posted by all the people touting their great picks... and if somehow possible, proof of there not being any stocks they bet on that didnt do so hot. I figured there...
by bru
Thu Nov 20, 2014 3:03 pm
 
Forum: Investing - Theory, News & General
Topic: Apple Stock - Seems great, right?
Replies: 116
Views: 10923

Re: Apple Stock - Seems great, right?

There are numerous threads floating around about AAPL. Some going back several years, some more recent. I posted in this one and got raked over the coals. It seems people don't mind having long discussions about individual stock disasters but don't want to hear about the successes. Whatever. http://...
by bru
Thu Nov 20, 2014 2:14 pm
 
Forum: Investing - Theory, News & General
Topic: Apple Stock - Seems great, right?
Replies: 116
Views: 10923

Re: Which bond fund for a three-fund taxable portfolio?

This WIKI link may help http://www.bogleheads.org/wiki/Placing_cash_needs_in_a_tax-advantaged_account John From that article: "Depending on the interest rate, a typical money market fund yields anywhere from 2% to 5%" How long ago was it written? I think it needs updating. Makes me wonder...
by bru
Wed Nov 19, 2014 10:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which bond fund for a three-fund taxable portfolio?
Replies: 8
Views: 1576

Re: Heads up best reward credit card I've seen.

An additional 6% off of groceries would be nice. However, I already save 20%-40% by buying my groceries at Aldi's, which does not accept credit cards. 3% on gas year round is nice, but there are other offers out there. I walk to work, so likely wouldn't be able to outpace the $75/year fee too easil...
by bru
Tue Nov 18, 2014 9:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Heads up one of the better reward credit card I've seen.
Replies: 54
Views: 6285

Re: Electricity costs going up

Wow, here in Chicago I pay 5.99c/kWh with alternative provider, while ComEd has 7+c/KWh rate. Did not realize the discrepancy is so huge across the country. This is way more than cost of gas difference, nearly 3x. What provider gives you that rate? And how long will you have that rate? Seems to me ...
by bru
Tue Nov 11, 2014 10:54 pm
 
Forum: Personal Consumer Issues
Topic: Electricity costs going up
Replies: 46
Views: 3354

Re: 22, I want to be rich, looking for a high reward fund

You didn't give a timeframe of when you wanted to be rich. And for that matter what your definition of "rich" is. If you invest that $400 every month in to index funds that track the stock market you will most likely get a good yearly return on your money. After 20 years or so you will be ...
by bru
Sat Nov 08, 2014 1:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: 22, I want to be rich, looking for a high reward fund
Replies: 67
Views: 6230

Re: Electricity costs going up

My state allows one to pick their own electricity and natural gas suppliers. Many municipalities, with voter approval, did aggregation and got deals with the electricity suppliers. My city did this and got a great deal, 2 years ago. It really protected me from the rising rates, especially this past ...
by bru
Sat Nov 08, 2014 12:55 pm
 
Forum: Personal Consumer Issues
Topic: Electricity costs going up
Replies: 46
Views: 3354

Re: ObamaCare vs. Private Insurance??

There is a lot of confusion and misinformation about this topic. Doctors are confused. I should say the office staff is confused and don't realize that patients have policies that would not and could not be accepted by the provider. The doctors are catching on, and you will start to see signs poste...
by bru
Fri Nov 07, 2014 9:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: ObamaCare vs. Private Insurance??
Replies: 105
Views: 10621

Re: New vs. Used Honda CRV

5 months later and you are still debating? And I thought I had trouble making decisions. New. Or maybe the HR-V (there's that darn hyphen again) will meet your needs. Smaller than the CR-V, based on the Fit. http://www.forbes.com/sites/matthewdepaula/2014/10/31/will-the-2016-honda-hr-v-could-touch-o...
by bru
Mon Nov 03, 2014 10:19 pm
 
Forum: Personal Consumer Issues
Topic: New vs. Used Honda CRV
Replies: 76
Views: 6214

Re: For a 31.5 year old single guy, how am I doing?

Myself and many here wouldn't have that level of monthly expenses but if you take home $5800 the amount you are spending doesn't seem completely out of whack. At least you aren't spending more than you make. If you can reduce your expenses, all the better. But don't feel guilty that you spend some o...
by bru
Sun Nov 02, 2014 8:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: how am I doing?
Replies: 36
Views: 4123

Re: IBM: Stock Buybacks Gone Wrong?

So I should sell my IBM stock? And take my profit? A quick search shows IBM beating the S&P over the last 10 years. Even with its recent fall. "Past performance is no guarantee of future results". Brilliant response. People are saying IBM's buyback program didn't work. Seems to me it ...
by bru
Wed Oct 22, 2014 9:12 am
 
Forum: Investing - Theory, News & General
Topic: IBM: Stock Buybacks Gone Wrong?
Replies: 65
Views: 4151

Re: IBM: Stock Buybacks Gone Wrong?

So I should sell my IBM stock? And take my profit?

A quick search shows IBM beating the S&P over the last 10 years. Even with its recent fall.
by bru
Tue Oct 21, 2014 9:53 pm
 
Forum: Investing - Theory, News & General
Topic: IBM: Stock Buybacks Gone Wrong?
Replies: 65
Views: 4151

Re: Multiple Fake "Thank you for your order"?

The most popular themes in this batch were court appearance notices (with attached virus in zip file), penny stock touts, memory eating parasites, cures for diabetes, and Obama's refi program. I'm sure you and me are not alone in receiving those court appearance notices. They were coming in fast an...
by bru
Mon Oct 20, 2014 11:04 pm
 
Forum: Personal Consumer Issues
Topic: Multiple Fake "Thank you for your order"?
Replies: 35
Views: 2379

Re: funding roth ira for son

Hi, My son is college student. He worked over the summer and made around $2,300. We told him we'd match it if he puts the money into a roth and doesn't touch it until he retires. He has checks from his employer that have not been cashed. Can I deposit his checks into my account and fund the account...
by bru
Mon Oct 20, 2014 6:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: funding roth ira for son
Replies: 10
Views: 1177

Re: Multiple Fake "Thank you for your order"?

LeeMKE wrote:Take care, it's the Wild Wild West out there!
In the Wild Wild West chances are you knew who was about to shoot you or do you harm. Now the person trying to do you in is probably half way around the world.
by bru
Mon Oct 20, 2014 5:14 pm
 
Forum: Personal Consumer Issues
Topic: Multiple Fake "Thank you for your order"?
Replies: 35
Views: 2379

Re: Fidelity Investments Hacked

I used Target because it is the best known example, I have no negative opinion about Target. My point is that the hackers will be very busy to try every credit card numbers and your chances of getting hid are very small. Even if you get hit, you are not supposed to be responsible for that. The cred...
by bru
Mon Oct 13, 2014 12:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Investments Hacked
Replies: 21
Views: 2611

Re: Fidelity Investments Hacked

These days, there are lots of hacking stories in the news. In my opinion, if the hacker got 10 million credit card number from Target, for example, what are the chances that you will get an unrecognized charge on your statement? I guess the changes are much smaller than someone at the grocery store...
by bru
Mon Oct 13, 2014 11:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Investments Hacked
Replies: 21
Views: 2611

Question re: RMD

I have to take a RMD from an inherited IRA. Can I take the RMD piecemeal rather than all at once? And if I do I assume it is considered income in the month it was taken. I need to report monthly income so this is why I am asking. If I wait until say December to take the entire distribution my income...
by bru
Mon Oct 13, 2014 11:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Question re: RMD
Replies: 19
Views: 1291

Re: Fidelity Investments Hacked

First I've heard of it but a quick search shows that indeed, something occurred. Fidelity must have good PR to keep it under wraps. "We have no indication that any Fidelity customer sites, accounts, information, services or systems were affected by this matter," said a Fidelity spokesman. ...
by bru
Mon Oct 13, 2014 11:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Investments Hacked
Replies: 21
Views: 2611

Re: "Vanguard converting mutual fund accounts to brokerage?

So no you aren't understanding it correctly. Every account you have will have its own account number. Your roth has one account number, your non-retirement account has its own account number, etc. But previously, within each account there were two account numbers. One for VG mutual funds, and one f...
by bru
Sat Oct 11, 2014 1:51 pm
 
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 105
Views: 12318

Re: Cleaning Up Leaves

This was trending on Yahoo.

"Wait, Is It Actually a Mistake to Rake Leaves?"

https://homes.yahoo.com/news/wait-actua ... 15886.html
by bru
Sat Oct 11, 2014 10:29 am
 
Forum: Personal Consumer Issues
Topic: Cleaning Up Leaves
Replies: 40
Views: 3296

Re: "Vanguard converting mutual fund accounts to brokerage?

Am I understanding this correct? I specifically have and want different account numbers. I just opened a new individual account because I want the money invested to be considered separate from my other individual account. I have two different Roth IRA accounts as well. Why should I have to have one ...
by bru
Fri Oct 10, 2014 10:47 pm
 
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 105
Views: 12318

Re: Question - Vanguard's New Brokerage Account Numbers

So let me break this down: At the top is your Social Security number. Your social security number has only one username/password that can be associated with it. With that login, you see all the accounts that you either own or are an agent on. Each account (under the new structure) will have only on...
by bru
Fri Oct 10, 2014 6:54 pm
 
Forum: Investing - Theory, News & General
Topic: Question - Vanguard's New Brokerage Account Numbers
Replies: 7
Views: 1048

Re: Sixth anniversary of worst week ever for stocks

I don't even remember it.

I suppose if I look at my records I probably did some buying during that week.
by bru
Thu Oct 09, 2014 8:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sixth anniversary of worst week ever for stocks
Replies: 51
Views: 5420

Re: Headed for a 300+ point loss today?

I only care that I had no access to a computer until after the market closed and could not buy today.
by bru
Thu Oct 09, 2014 5:34 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 463
Views: 34867

Re: AAPL

If AAPL shares were zero tomorrow, I guarantee you'd be down far more than 3%. Apple is tethered to many companies and is a big part of the economy, directly and indirectly. Any general economy condition that causes Apple great harm will doubtlessly hit other companies just as hard (i.e. Verizon, A...
by bru
Thu Oct 09, 2014 12:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: AAPL
Replies: 190
Views: 41558

Re: AAPL

Good thing you're not posting in the GTAT thread :wink: If tomorrow my AAPL shares were worthless it would be disappointing but it wouldn't destroy me. I would still have 97% of my money. I've never even heard of GTAT. After reading about them for the past few minutes I wouldn't even be able to tel...
by bru
Wed Oct 08, 2014 10:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: AAPL
Replies: 190
Views: 41558

Re: AAPL

Like others I am over 90% indexed. Some of my 5-10% play money is invested in AAPL Jan 2015 options. Options. You are a trader. Once uppn a time I read up on the process but never did anything more than that. The majority of my investments are in index funds but I do own a few individual stocks, in...
by bru
Wed Oct 08, 2014 8:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: AAPL
Replies: 190
Views: 41558

Re: AAPL

airahcaz wrote:
What a rollercoaster, I almost bailed yesterday/today if it continued to go down.

I LOVE my IP6.

Are you a trader or an investor? There is nothing wrong with investing in a company for the long term.
by bru
Wed Oct 08, 2014 7:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: AAPL
Replies: 190
Views: 41558

Re: AAPL

oldzey wrote:Good time to sell (and exchange for total market index funds). :D

Since your post on 8/21/14 AAPL is essentially unchanged (up $0.06). The S&P 500 is down ~1.3%. DOW and NASDAQ also down. Even after todays huge gain.
by bru
Wed Oct 08, 2014 7:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: AAPL
Replies: 190
Views: 41558

Re: AAPL

My AAPL investment is up 563% (including reinvested dividends). Easily beating the return of any other investment I have in the same time frame by many multiples. Now that it split I actually have more than just a handful of shares. My cost basis is ~$16/sh. Still it accounts for less than 3% of my ...
by bru
Wed Oct 08, 2014 7:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: AAPL
Replies: 190
Views: 41558

Re: New 2% cash back Mastercard from Citi

selftalk wrote:Has anyone received their 2% back from CITI Double Cash Card yet and did it go smoothly?

Some people have had their DCB cards for about a month.

I got mine less than two weeks after converting. Online access was a little messed between the old and new account but now seems to be sorted.
by bru
Wed Oct 08, 2014 7:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 237
Views: 32881

Re: New 2% cash back Mastercard from Citi

slbnoob wrote:Request for an opinion from board members: should I convert my Citi Forward card to Double Cash? Currently, my card seems to be grandfathered to earn 5 points for restaurants and Amazon (places of relevance).

Many reports of Citi Forward not being eligible for conversion.
by bru
Mon Sep 29, 2014 8:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 237
Views: 32881

Re: Those under 35 with a child 5 or under: Costs of child?

Wondering why your title asked for only those under age 35? I am well over that age and have a 6 year old. Any reason you exclude later in life parents?
by bru
Mon Sep 29, 2014 7:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Those under 35 with a child 5 or under: Costs of child?
Replies: 58
Views: 4582

Re: The Roosevelts, PBS special

DVR'd this and finished watching it the other day. Thoroughly enjoyed it. Maybe it was the black and white photography and video but both TR and FDR looked much older than they actually were whenever they showed them. They say being President ages you but even when TR became president at 42 he looke...
by bru
Mon Sep 29, 2014 7:48 pm
 
Forum: Personal Consumer Issues
Topic: The Roosevelts, PBS special
Replies: 104
Views: 8711

Re: New 2% cash back Mastercard from Citi

I just called Citi and converted my Citi Dividend into a new Double Cash account. Since I already got DC card a couple weeks ago my intention was to have the Dividend card closed and the cash back and credit limit transferred to my DC card, but they said this can't be done. Looks like the only way ...
by bru
Sun Sep 28, 2014 12:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 237
Views: 32881

Re: New 2% cash back Mastercard from Citi

Also when you are talking auto pay are you talking about paying the CC bill automatically or having monthly bills paid automatically via the CC? I do both. I was talking about CC bill being paid automatically on designated date from my checking account. That is still the case after conversion, and ...
by bru
Fri Sep 26, 2014 4:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 237
Views: 32881

Re: New 2% cash back Mastercard from Citi

Not sure about mechanics, but my number has changed, but the first bill I received, just as they promissed, indicates autopay active. Why would it be difficult to re-link existing auto-pay setup to new card number? After all, if they resend the same card with the new number (as it recently happened...
by bru
Fri Sep 26, 2014 8:54 am
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 237
Views: 32881

Re: New 2% cash back Mastercard from Citi

I don't think you can convert and keep the account number the same. Mine changed when I converted, I was warned about it. But they kept existing auto-pay going and divident dollars were transfered. Unless you have dozens of place where you have to change the card number saved, I am not sure what is...
by bru
Thu Sep 25, 2014 5:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 237
Views: 32881

Re: New 2% cash back Mastercard from Citi

Citi has been insanely inconsistent with information about this card. I currently have a Dividend World MC and I want to convert but I want to keep my same account number. I have heard from numerous people who were able to do this yet when I call I am told my account number will change. It seems no ...
by bru
Thu Sep 25, 2014 2:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 237
Views: 32881

Re: So, when does a market timer get back in?

I'll call him out. Or at least one of the posters on that thread. He never responded. Seems as if you already revisited it so I don't have to.

viewtopic.php?f=1&t=143988#p2140512
by bru
Thu Sep 04, 2014 5:37 pm
 
Forum: Investing - Theory, News & General
Topic: So, when does a market timer get back in?
Replies: 54
Views: 5694

Re: Poor Janus, a look at this once high flying fund family

Not long go I came across investment materials for Janus from probably 25 or more years ago. A coworker at the time touted them and I requested the info but never invested with them. If I had, maybe like some of you I would have gotten out before their fall, but who knows? Regardless of how high fly...
by bru
Mon Sep 01, 2014 1:59 pm
 
Forum: Investing - Theory, News & General
Topic: Poor Janus, a look at this once high flying fund family
Replies: 72
Views: 7751
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