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Re: Best Movies of 2013

I saw Gravity, one of the top movie according to the critics. I just do not understand, for sure it must be me. My take: superb photography, but silly (understatement!) plot. I agree. I guess I know too much about orbital mechanics. The effects were great and the movie was entertaining enough, but ...
by minesweep
Mon Apr 07, 2014 7:34 pm
 
Forum: Personal Consumer Issues
Topic: Best Movies of 2013
Replies: 83
Views: 5540

Funds Investing: Make More Money and Worry Less

Not much in this WSJ article that the Bogleheads don’t already know. Just thought the article might be of interest here given that it helps to spread the Bogleheads philosophy.

Some simple portfolio ideas that can help investors stay on track with minimum management

Mike
by minesweep
Sun Apr 06, 2014 11:36 am
 
Forum: Investing - Theory, News & General
Topic: Funds Investing: Make More Money and Worry Less
Replies: 4
Views: 716

Re: No Market Mania Here!

The half that don't think it's a good idea - aren't those just the half that never invest in the stock market. The mania occurs when those who don’t ordinarily invest in stocks think that now is the time. That hasn't happened yet. This is not to say that the stock market isn't overpriced and due fo...
by minesweep
Wed Apr 02, 2014 5:24 pm
 
Forum: Investing - Theory, News & General
Topic: No Market Mania Here!
Replies: 13
Views: 1277

Re: I need a quality lawnmower

I have a Honda (19 inch) push mower for 22 years. It starts on first or second pull.

Mike
by minesweep
Fri Mar 21, 2014 4:14 pm
 
Forum: Personal Consumer Issues
Topic: I need a quality lawnmower
Replies: 31
Views: 1606

Re: Bubble Behavior?

A bubble is an environment in which the market price of an asset has deviated from the underlying asset’s fundamentals to an extent that renders the current market price unstable relative to the underlying asset’s ability to deliver the expected result.” Opinions vary: Are we in a Stock Market Bubb...
by minesweep
Mon Mar 17, 2014 8:50 am
 
Forum: Investing - Theory, News & General
Topic: Bubble Behavior?
Replies: 18
Views: 2011

Re: Mouse/Rat traps

by minesweep
Thu Mar 13, 2014 4:06 pm
 
Forum: Personal Consumer Issues
Topic: Mouse/Rat traps
Replies: 29
Views: 1775

Jack Bogle on CNBC

Mr. Bogle is scheduled for the 3:00 P.M. segment.

Mike
by minesweep
Mon Mar 10, 2014 10:00 am
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle on CNBC
Replies: 7
Views: 1002

Re: What should I invest in?

If I lost half the value of my 100K investment I'd be pissed but it wouldn't be a life ending kind of thing. Either way, for right now I'm just asking how to invest this 10K. I'd still be pissed if I lost 5K but that certainly won't impact my life in any meaningful way. Its easy to say these things...
by minesweep
Thu Mar 06, 2014 2:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: What should I invest in?
Replies: 18
Views: 793

Re: How Many Funds Do You Have in Taxable?

Excluding Prime Money Market (dividends and capital gains go here)

Total Stock Market Index Admiral
Tax-Managed Int’l Stock Fund
Emerging Markets Stock Index Admiral
Capital Opportunity Admiral
PA L-T Tax-Exempt

Mike
by minesweep
Wed Mar 05, 2014 3:00 pm
 
Forum: Investing - Theory, News & General
Topic: How Many Funds Do You Have in Taxable?
Replies: 97
Views: 4900

Putting Your 401(k) on Autopilot

Might this marketing maneuverer by Vanguard lead to even lower expense fees for their investors? When it comes to investing their 401(k)s, most employees simply want someone to tell them what to do. So says none other than Vanguard Group. As a pioneer of the low-cost index fund, Vanguard has long be...
by minesweep
Sun Feb 16, 2014 9:48 am
 
Forum: Investing - Theory, News & General
Topic: Putting Your 401(k) on Autopilot
Replies: 9
Views: 1159

Re: Vanguard snowed in.

As a winter storm grips much of the country, we at Vanguard are doing our best to serve you. However, since some of our Pennsylvania and North Carolina crew members have been unable to report to work, you may experience delays when contacting us by phone. Rest assured, however, that our investment ...
by minesweep
Thu Feb 13, 2014 8:12 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard snowed in.
Replies: 31
Views: 3457

Re: International index question

Personally I would go with the Total Int’l Stock Index Fund. For one, as DSInvestor has stated, you will have some exposure to Canada. One reason to go with TMI & EM is because you want more than market exposure to EM. I personally tilt a little bit more to EM because I have separate TMI and EM...
by minesweep
Tue Feb 11, 2014 7:44 pm
 
Forum: Investing - Theory, News & General
Topic: International index question
Replies: 20
Views: 1479

Re: International index question

That's great mike, thanks. Looking at the total international index fund (VGTSX) the top 7 countries involved are all developed (UK, Japan, Canada, Germany, France, Switzerland, Austrilia) and that totals 62.8% of the fund. That would be just shy of 2/3 Developed and 1/3 emerging countries. I find ...
by minesweep
Tue Feb 11, 2014 12:18 pm
 
Forum: Investing - Theory, News & General
Topic: International index question
Replies: 20
Views: 1479

Re: International index question

Thanks mike. So if all of my retirement stays with vanguard, I won't have the option I'm asking about in the original question? Yes, you will have the same options. The Developed Markets and Tax-Managed Int'l Fund is basically the same. So, you can choose the Total Stock Market Fund or the TMI and ...
by minesweep
Tue Feb 11, 2014 10:32 am
 
Forum: Investing - Theory, News & General
Topic: International index question
Replies: 20
Views: 1479

Re: International index question

Vanguard's Developed Markets Index Fund is closed. The fund will be merging (around April 4) into the Tax-Managed International Index Fund.

Vanguard Developed Markets Index Fund

Mike
by minesweep
Tue Feb 11, 2014 9:21 am
 
Forum: Investing - Theory, News & General
Topic: International index question
Replies: 20
Views: 1479

Re: Going all into Emerging Markets

Diworsification.

Mike
by minesweep
Sun Feb 09, 2014 5:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Going all into Emerging Markets
Replies: 63
Views: 5825

Re: Reinvest dividends or take cash to rebalance

In my taxable account I don't reinvest dividends & capital gains. However, in my tax deferred accounts I do reinvest them.

View the pros and cons at the Bogleheads Wiki:

Reinvesting dividends in a taxable account

Mike
by minesweep
Sat Feb 08, 2014 5:48 pm
 
Forum: Investing - Theory, News & General
Topic: Reinvest dividends or take cash to rebalance
Replies: 3
Views: 593

Re: Bogle in CNBC First 25 Poll

A shortened version of the interview:

Bogle's Approach to Investing

Mike
by minesweep
Thu Jan 30, 2014 11:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Bogle in CNBC First 25 Poll
Replies: 5
Views: 609

Re: TAYLOR'S UPCOMING 90th BIRTHDAY

Taylor,

Congratulations on this amazing milestone! Have a wonderful and HAPPY BIRTHDAY.

Thank you for sharing your wisdom at this forum.

Mike
by minesweep
Wed Jan 22, 2014 8:17 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Taylor's 90th Birthday
Replies: 272
Views: 12671

Re: Poll: Early retirement investment vehicles

No poll option for my investment vehicles:

Traditional IRA
Roth IRA
Taxable
Pension

Retired in January of 2001.

Mike
by minesweep
Sat Jan 18, 2014 3:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Early retirement investment vehicles
Replies: 44
Views: 2915

Re: Callan Periodic Table 1994 - 2013 available

Not much in between for EM. 16 out of the 20 years EM was at the very top or bottom.

Mike
by minesweep
Mon Jan 13, 2014 2:30 pm
 
Forum: Investing - Theory, News & General
Topic: Callan Periodic Table 1994 - 2013 available
Replies: 5
Views: 514

Re: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST

2 of the first 3 guesses were for 2014. Not sure how a tie gets handled - half a shirt each? Rules for the 2014 Boglehead Contest: * Forecast the closing price of the S&P 500 Index on December 31, 2014. * Only one guess (no percentages and no changes). * Registration ends 12:00 midnight ET Janu...
by minesweep
Fri Jan 10, 2014 1:19 pm
 
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST
Replies: 525
Views: 10653

Re: Do you invest in a taxable account?

Taxable - 68.6% Traditional IRA - 28.6% Roth IRA 2.8% I retired on 01/2001. A 401K plan wasn't available through my company until around 1986. And, employees were not allowed to invest in stock mutual funds until 1991. I invested 100% in stocks (at the maximum dollar amount allowed for a 401K) throu...
by minesweep
Thu Jan 09, 2014 11:00 am
 
Forum: Investing - Theory, News & General
Topic: Do you invest in a taxable account?
Replies: 111
Views: 7197

Re: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST

Vanguard shows my funds having a 12.2% - 5 year rate of return.

1848.36*.1.122= 2073.86 (my guess)

Yes I know, past performance does not guarantee future performance.

Mike
by minesweep
Wed Jan 08, 2014 6:06 pm
 
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST
Replies: 525
Views: 10653

Re: Do I pay taxes today or when I retire?

While many retirees may be in a lower tax bracket it is most likely also that very young investors are in a lower tax bracket too. To me the Roth IRA makes a lot of sense for those individuals (at least during those earlier years of employment) given the many years of tax free compounding that may l...
by minesweep
Sat Jan 04, 2014 10:39 am
 
Forum: Investing - Theory, News & General
Topic: Do I pay taxes today or when I retire?
Replies: 63
Views: 3495

Re: RBD in emerging markets?

Emerging Markets Crushed in Open of 2014 Trading: Bad Omen? The question is why, when other areas with risky reputations like small- and micro-cap stocks aren’t falling at nearly this speed. Citigroup emerging-markets strategist Dirk Willer emails clients this afternoon with the notion that emergin...
by minesweep
Thu Jan 02, 2014 8:16 pm
 
Forum: Investing - Theory, News & General
Topic: RBD in emerging markets?
Replies: 18
Views: 1455

Re: The Funniest Movie Ever

It's a Mad, Mad, Mad, Mad World I saw the movie at a theater in Philadelphia when it first came out in 1963. I saw it a second time on board a minesweeper moored in Piraeus, Greece in 1967. My three favorite scenes : Jonathan Winters going berserk at a gas station. Sid Caesar going berserk in the b...
by minesweep
Thu Jan 02, 2014 6:27 pm
 
Forum: Personal Consumer Issues
Topic: The Funniest Movie Ever
Replies: 201
Views: 10637

Re: International Explorer vs International small cap index

The link to compare Vanguard mutual funds worked for me when I initially attached it. But now it doesn't work. Go figure.

Equity Characteristics:
Int’l Explorer P/E is 23.7 vs. 22.2 for FTSE small cap
Int’l Explorer P/B is 1.8 vs. 1.6 for FTSE small cap

Mike
by minesweep
Mon Dec 30, 2013 5:54 pm
 
Forum: Investing - Theory, News & General
Topic: International Explorer vs International small cap index
Replies: 22
Views: 1847

Re: International Explorer vs International small cap index

For what it's worth, International Explorer has much more of a value tilt than FTSE Small Cap, a P/E of 16.7 versus 21. P/E does not constitute "much more value tilt." Price to Book (inverse Book to Price (Market) - BtM) is 1.3x for both VINEX and VFSVX/VSS. P/E and P/B are both higher to...
by minesweep
Mon Dec 30, 2013 4:41 pm
 
Forum: Investing - Theory, News & General
Topic: International Explorer vs International small cap index
Replies: 22
Views: 1847

Re: taxes on dividends

Because taxes were paid to various countries within the Total Int’l Fund, as well as subject to U. S. tax on the same income, you can claim a foreign tax credit on your Federal Income tax return.

Mike
by minesweep
Thu Dec 26, 2013 4:08 pm
 
Forum: Investing - Theory, News & General
Topic: taxes on dividends
Replies: 10
Views: 786

Re: Things to do in January?

Take down the Christmas decorations.

MIke
by minesweep
Thu Dec 26, 2013 11:41 am
 
Forum: Investing - Theory, News & General
Topic: Things to do in January?
Replies: 27
Views: 3171

Re: 10 years from Black Friday (11/29/2013)

Happiness for me is "The Power of Compounding" (not market timing).

Mike
by minesweep
Thu Nov 28, 2013 1:47 pm
 
Forum: Investing - Theory, News & General
Topic: 10 years from Black Friday (11/29/2013)
Replies: 10
Views: 1394

Re: Inheriting an inherited IRA

From Ed Slott's book titled "The Retirement Savings Time Bomb" Distribution Rules When an IRA Beneficiary Dies As soon as you inherit an IRA, you should immediately name a beneficiary. That person will be your beneficiary. It it’s a non-spouse, the maximum post-death stretch on the RMD’s w...
by minesweep
Tue Nov 26, 2013 1:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inheriting an inherited IRA
Replies: 15
Views: 1311

Re: How to beat the index

I think folks on here are drinking Vanguard kool aid so long that they don't seem to understand the difference between true definitions vs. Vanguard/ Bogle definitions. The worst thing any person can do, investing or not, is to be a robot and just be a kool aid drinker without thinking for themselv...
by minesweep
Fri Nov 15, 2013 1:12 pm
 
Forum: Investing - Theory, News & General
Topic: How to beat the index
Replies: 26
Views: 1970

Re: We're not in an Equity Bubble

Just to be a little sour... to me, one of the signs of being in a bubble is the appearance of numerous articles on "Why We Are Not In A Bubble." To put it another way, when we are NOT in a bubble, nobody bothers to spend time laying out a case that we are not. Yes, but what kind of bubble...
by minesweep
Sun Nov 10, 2013 5:58 pm
 
Forum: Investing - Theory, News & General
Topic: We're not in an Equity Bubble
Replies: 61
Views: 5921

How Much Cash Should Your Portfolio Have?

So far this year, the Dow Jones Industrial Average is up 20%, the S&P 500 index 24% and the Nasdaq 30%. But Rob Kapito, president of BlackRock, the world's largest asset-management firm, says U.S. investors are losing money every day. Why? Because on average more than half of their portfolios a...
by minesweep
Sun Nov 10, 2013 10:35 am
 
Forum: Investing - Theory, News & General
Topic: How Much Cash Should Your Portfolio Have?
Replies: 44
Views: 5928

Five Retirement Myths That Could Cost You

Many people, as they approach retirement, think they have it all figured out. They should think again.

Misplaced confidence is common throughout life, but retirement is something else:

A Few False Assumptions Can Ruin Years of Planning

Mike
by minesweep
Sun Nov 03, 2013 9:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Five Retirement Myths That Could Cost You
Replies: 10
Views: 2377

Jack Bogle on CNBC

Mr. Bogle will be a guest on CNBC today at 3:00 P.M. (or a little bit later).

Mike
by minesweep
Wed Oct 30, 2013 9:17 am
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle on CNBC
Replies: 1
Views: 706

Re: Moving all of your funds out of Vanguard

When an OP comes into a windfall the usual advice here is to wait a period of time so as not to do anything irrational. That may be good advice to follow for your situation as well. Give it a couple of weeks and if you feel the same way then go ahead and move your assets to another brokerage. But if...
by minesweep
Mon Oct 28, 2013 6:08 pm
 
Forum: Investing - Theory, News & General
Topic: Moving all of your funds out of Vanguard
Replies: 75
Views: 6902

Beware Medicare's 'Observation' Status

When in the hospital, more Medicare recipients are being held for observation rather than being formally admitted, a status that can leave them with big bills for items including rehabilitation services. [Content in excess of copyright fair use removed by admin LadyGeek] It Can Mean Surprise Out-of...
by minesweep
Sun Oct 20, 2013 9:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Beware Medicare's 'Observation' Status
Replies: 6
Views: 1354

Re: Bogleheads Conference The Greatest

coachz wrote:Sweet. Are you ready to setup my retirement portfolio for the next 40 years ?

I noticed that you've been a Bogleheads member for more than six years. It seems to me that you should have learned enough here to do it yourself. :confused

Mike
by minesweep
Sat Oct 19, 2013 10:28 am
 
Forum: Investing - Theory, News & General
Topic: Bogleheads Conference The Greatest
Replies: 26
Views: 3664

Re: Home security ideas

I believe that violence is usually not the answer to our problems. But if you decide that in this case violence really may be the answer, I wholeheartedly recommend the Remington Model 870 Express Synthetic 7-Round loaded with 12 gauge 00 buckshot. http://www.remington.com/~/media/Images/Firearms/S...
by minesweep
Wed Oct 16, 2013 3:16 pm
 
Forum: Personal Consumer Issues
Topic: Home security ideas
Replies: 31
Views: 1968

Re: Home security ideas

by minesweep
Wed Oct 16, 2013 9:10 am
 
Forum: Personal Consumer Issues
Topic: Home security ideas
Replies: 31
Views: 1968
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