Search found 920 matches

by minesweep
Wed Jul 15, 2015 7:51 am
Forum: Investing - Help with Personal Investments
Topic: Investing at this time in the market
Replies: 12
Views: 1528

Re: Investing at this time in the market

Nahum17, Welcome to the Bogleheads Forum! 70% in stocks is pretty aggressive for your age. Especially given that it caused you to go to 100% cash (with that 450k). Whether it be stocks or bonds what you are asking is a market timing question which most everyone here opposes. I believe you need to re...
by minesweep
Sun Jul 12, 2015 10:41 am
Forum: Investing - Help with Personal Investments
Topic: 21 year old making first investment
Replies: 10
Views: 442

Re: 21 year old making first investment

Welcome to the Bogleheads Forum.

Also, peruse the Bogleheads Wiki: Getting Started

MIke
by minesweep
Mon Jul 06, 2015 9:38 am
Forum: Investing - Theory, News & General
Topic: Morningstar: "Top Honors Go to Vanguard and Its Strong Culture"
Replies: 6
Views: 748

Top Honors Go to Vanguard and Its Strong Culture

Morningstar covers more than two thirds of Vanguard's funds, and most of those are Morningstar Medalists. All told, Vanguard's boasts 29 Morningstar Analyst Ratings of Gold, including its target-date series as one of those. In fact, none of Vanguard's funds under coverage are rated Negative and jus...
by minesweep
Mon Jun 29, 2015 8:19 am
Forum: Investing - Theory, News & General
Topic: dow futures down 200+ points
Replies: 84
Views: 9743

Re: dow futures down 200+ points

Currently down 154. That equates to .73% from Friday's close. A market blip.

Mike
by minesweep
Tue Jun 23, 2015 12:39 pm
Forum: Investing - Theory, News & General
Topic: What was the 2008 crash like in real time?
Replies: 218
Views: 23892

Re: What was the 2008 crash like in real time?

I stayed the course during the 1987 debacle, and the 2001 and the 2008 bear markets. I took an early retirement package in 2001 so other than automatic reinvesting dividends and cap gains in my retirement accounts I didn’t invest during those two bear markets because there was no earned income. They...
by minesweep
Tue Jun 16, 2015 10:04 am
Forum: Investing - Theory, News & General
Topic: Today wasn't a RBD (Really Bad Day)!
Replies: 28
Views: 5140

Re: Today wasn't a RBD (Really Bad Day)!

So over the weekend there were a couple of threads (which I think got locked) about how markets might be in for a wild ride due to the possibility of Greece leaving the Euro. Written by Barry Gibb (slightly modified): Greece is the word They think our love is just a growing pain Why don't they unde...
by minesweep
Sat Jun 13, 2015 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Individual stocks that have outperformed the market
Replies: 41
Views: 4405

Re: Individual stocks that have outperformed the market

We know that there are winning scratch-off lottery tickets out there. The ideal thing would be to only buy winning tickets and skip all the losers. Since we can't do that with stocks, the best we can do is buy all of the stocks and (unlike lotto) get the average return of the market, which has been...
by minesweep
Thu Jun 11, 2015 6:29 am
Forum: Investing - Help with Personal Investments
Topic: EJ Inherited IRA for my two minors?
Replies: 5
Views: 622

Re: EJ Inherited IRA for my two minors?

My next question is: are there any advantages vs disadvantages if i transfer the Inherited IRA "in-kind" into a Brokerage Vanguard acccount or just have EJ liquidate the stocks. The advantage for an in-kind-transfer to Vanguard is the lower transaction fees to sell the stocks. The possibl...
by minesweep
Mon Jun 08, 2015 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: REIT Index Fund - Is Now a Good Time?
Replies: 14
Views: 2082

Re: REIT Index Fund - Is Now a Good Time?

rakornacki1 wrote:Am considering investing in a REIT Index Fund now. Is now a good time considering the potential for an interest rate hike soon?
Thank you.

Past performance is no guarantee............

Higher Interest Rates Won't Sink REITs

Mike
by minesweep
Wed Jun 03, 2015 8:21 am
Forum: Investing - Theory, News & General
Topic: Four Vanguard International Equity Index changing/broadening indexes
Replies: 77
Views: 8103

Re: Four Vanguard International Equity Index changing/broadening indexes

I have shares in Developed Markets Index (was Tax Managed Int’l) and EM. I’m so happy I could sing: O Canada! Where pines and maples grow. Great prairies spread and lordly rivers flow. How dear to us thy broad domain, From East to Western sea. Thou land of hope for all who toil! Thou True North, str...
by minesweep
Wed May 27, 2015 8:03 am
Forum: Investing - Help with Personal Investments
Topic: Upcoming Economic Bubble
Replies: 45
Views: 6743

Re: Upcoming Economic Bubble

However, I heard from my uncle who is a financial advisor in Korea that the world economy is in a huge bubble and U.S, Europe, and Asia (especially Japan) countries are printing huge amount of money to prevent the market implosion which will eventually happen in a few years? (I'm sorry I know nothi...
by minesweep
Wed May 20, 2015 3:51 pm
Forum: Personal Consumer Issues
Topic: Just used my chip credit card for the first time!
Replies: 44
Views: 3512

Re: Just used my chip credit card for the first time!

I used my chip credit card at Walmart today for the third time. I haven’t used it anywhere else yet.

Mike
by minesweep
Fri May 15, 2015 4:29 pm
Forum: Investing - Theory, News & General
Topic: Too late to invest in Health Care Fund?
Replies: 56
Views: 5245

Re: Too late to invest in Health Care Fund?

VGHCX - P/B ratio 4.2.

Mike
by minesweep
Sun Apr 19, 2015 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing for the Minimum Required Distribution
Replies: 41
Views: 3381

Re: Preparing for the Minimum Required Distribution

JodieNJ wrote:Paying back Social Security and waiting until I'm 70 to go back on it is interesting and a little scary.

Social Security Pay Back - Only Allowed Within 12 Months of Starting Benefits

Mike
by minesweep
Thu Apr 16, 2015 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: Is it ok to NOT have significant taxable investments?
Replies: 48
Views: 5127

Re: Is it ok to NOT have significant taxable investments?

Any advice would be greatly appreciated! Based on what you typed in, your investments in a taxable account should only be VTSAX and/or VTIAX for the next several years. Thanks! I read on the Wiki that Bond funds are not tax efficient and so won't include them in my taxable account. In addition to t...
by minesweep
Sun Apr 12, 2015 8:47 am
Forum: Investing - Help with Personal Investments
Topic: Invest now or wait??
Replies: 22
Views: 2422

Re: Invest now or wait??

Just because there is a consensus about the stock market heading lower doesn’t mean it’s correct. The market has a way of climbing a wall of worry and doing the opposite of what many investors think it will do. If there is a consensus is as you say then there is money on the sidelines waiting to get...
by minesweep
Wed Apr 08, 2015 8:16 am
Forum: Investing - Help with Personal Investments
Topic: Need Help Picking A Broker
Replies: 58
Views: 4326

Re: Need Help Picking A Broker

Vanguard - 0.3%
Bogleheads - 0.0%

Mike
by minesweep
Sun Apr 05, 2015 11:24 am
Forum: Investing - Help with Personal Investments
Topic: 401k after retired
Replies: 16
Views: 2287

Re: 401k after retired

15 years is a more then acceptable time frame for being in the stock market. But if you are 100% in stocks and there is a downturn in the stock market you have to ask yourself how you will react to that scenario (it’s much easier to feel confident when the stock market has been in a bull market for ...
by minesweep
Thu Apr 02, 2015 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: how often do you check performance?
Replies: 70
Views: 5454

Re: how often do you check performance?

There is no set pattern for checking my portfolio performance. I check the portfolio more often when the markets are going up (daily if it is hitting new highs). When the markets are going down I don’t check my portfolio at all. But I’m aware of what the markets are doing on a daily basis, no matter...
by minesweep
Wed Mar 25, 2015 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Biotechnology to buy and hold or not
Replies: 15
Views: 1917

Re: Biotechnology to buy and hold or not

Performance chasing?

There would have been much better entry points (when biotech was out of favor):

FBIOX vs. IBB

Mike
by minesweep
Sat Mar 14, 2015 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest a large amount of cash?
Replies: 10
Views: 1558

Re: How to invest a large amount of cash?

Money that may be needed in 2-4 years is a short time frame for investing in the stock market. If it were me I would only risk a small portion allocated to stocks (the rest in CD’s or a short-term bond fund). But that’s just me. Perhaps you are more risk oriented.

Mike
by minesweep
Fri Mar 13, 2015 10:16 am
Forum: Investing - Help with Personal Investments
Topic: Dip? What Dip? Did you catch it?
Replies: 134
Views: 14448

Re: Dip? What Dip? Did you catch it?

just frank wrote:predictions on a 'double dip' ?? :wink:

I predict I will have a double dip of ice cream later today. :)

Mike
by minesweep
Thu Mar 12, 2015 4:46 pm
Forum: Personal Consumer Issues
Topic: $600 night guard for teeth grinding, really?
Replies: 92
Views: 6995

Re: $600 night guard for teeth grinding, really?

My prosthodontist charged me $600 for my night guard too. I'm guessing it was about 8 years or so ago. I'm still using it today.

Mike
by minesweep
Sun Mar 08, 2015 6:48 pm
Forum: Investing - Theory, News & General
Topic: International value: worth the fees?
Replies: 24
Views: 2495

Re: International value: worth the fees?

Thanks to Vanguard domestic small cap value tilting is very cheap. VBR has an expense ratio of 9 points which is only a 4 point premium over their total stock market fund. I pay that gladly. But less so on the international side. Total international stock market fund VXUS costs 14 points. There is ...
by minesweep
Sat Feb 28, 2015 9:15 am
Forum: Investing - Theory, News & General
Topic: Private Bank Survey: Where to Invest Cash Now
Replies: 1
Views: 557

Private Bank Survey: Where to Invest Cash Now

The following Barron's article is for amusement purposes only. Not suggesting that anyone should change, or fiddle, with their asset allocation because of these asset manager views. But all this cash that’s sitting in ultra-short term instruments waiting for a better buying opportunity makes me thin...
by minesweep
Wed Feb 25, 2015 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard brokerage tax forms changed to late Feb. question
Replies: 95
Views: 9115

Re: Vanguard brokerage tax forms changed to late Feb. questi

Vanguard brokerage account tax forms are now available online.

Mike
by minesweep
Thu Feb 19, 2015 1:31 pm
Forum: Investing - Theory, News & General
Topic: Cap Gains & Divs killed me this year
Replies: 65
Views: 7906

Re: Cap Gains & Divs killed me this year

PS: This is one of those "turning lemons into lemonade" opportunities. No one is born with the ability to manage money efficiently. It is learned. Everyone here has made mistakes and the best one can hope for is that mistakes are made early in life and are not too costly. There are many t...
by minesweep
Sat Feb 14, 2015 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited Mutual Funds: Investing advice
Replies: 67
Views: 3896

Re: Inherited Mutual Funds: Investing advice

I received the documentation in the mail so I think I have this covered. Actually, most of the current cost basis's as of the end of January 2015 are less than the updated cost basis as of June 2014. Don't know if this is good or bad? I do have a good CPA who will help me with this. Thank you for y...
by minesweep
Sat Feb 14, 2015 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited Mutual Funds: Investing advice
Replies: 67
Views: 3896

Re: Inherited Mutual Funds: Investing advice

Before you sell all those funds, make sure you have the cost basis for each one on the day of your father's death. You'll need to know the number of shares and the price on that day for tax purposes. If you don't have the info now, I would get it from the broker before you pull the trigger. Maybe I...
by minesweep
Fri Feb 13, 2015 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Spartan International [FSPNX] no emerging markets?
Replies: 8
Views: 933

Re: Fidelity Spartan International [FSPNX] no emerging marke

My Fidelity Spartan International Index Fund [FSPNX] in my 401k apparently has 0.19% emerging markets. Would it make sense to add VWO to my Roth IRA to get to Vanguard's recommended 10-15%/International? If you want some foreign exposure in emerging markets then adding VWO to your Roth IRA makes pe...
by minesweep
Fri Feb 13, 2015 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Spartan International [FSPNX] no emerging markets?
Replies: 8
Views: 933

Re: Fidelity Spartan International [FSPNX] no emerging marke

My Fidelity Spartan International Index Fund [FSPNX] in my 401k apparently has 0.19% emerging markets. Would it make sense to add VWO to my Roth IRA to get to Vanguard's recommended 10-15%/International? If you want some foreign exposure in emerging markets then adding VWO to your Roth IRA makes pe...
by minesweep
Tue Feb 10, 2015 3:10 pm
Forum: Investing - Theory, News & General
Topic: Developed Markets Index Fund has lower QDI
Replies: 6
Views: 472

Developed Markets Index Fund has lower QDI

The 100% Qualified Dividends that Vanguard's Tax Managed International Fund provided me (from 2002-2013) is no more. The merger of TMI with the Developed Markets Index Fund last year has reduced the QDI to 78.7%. So for 2014 tax purposes I have an additional $1,979 of income that will taxed at the 2...
by minesweep
Sun Feb 01, 2015 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: TRowePrice Small Cap Value Fund- "HUH?"
Replies: 12
Views: 1477

Re: TRowePrice Small Cap Value Fund- "HUH?"

Hello. I have had some investments with TRowe Price Small-Cap Value Fund (PRSVX) for years now. Does anyone know what's going on with this fund? The returns have always been steady until this past year. Last year it was down -0.63%, and YTD is now -4.06%? Do I follow the adage, "buy low, sell ...
by minesweep
Sat Jan 31, 2015 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: question about investing in oil, USO
Replies: 15
Views: 1366

Re: question about investing in oil, USO

My advice would be not to gamble with money set aside for tuition. Especially given the short term requirement for it.

Mike
by minesweep
Sat Jan 31, 2015 8:19 am
Forum: Investing - Help with Personal Investments
Topic: Foreign Tax credit and STATE Income Taxes
Replies: 34
Views: 4370

Re: Foreign Tax credit and STATE Income Taxes

Pennsylvania offered a tax credit in prior years. For this year, the credit is no longer available. I mentioned the elimination of the credit in my previous post (“The credit for taxes paid to foreign countries is no longer permitted as a credit against a personal income tax liability”). My PA tax ...
by minesweep
Fri Jan 30, 2015 9:21 am
Forum: Investing - Help with Personal Investments
Topic: Foreign Tax credit and STATE Income Taxes
Replies: 34
Views: 4370

Re:

The foreign tax credit on the US return is there because the IRC grants it. I would be surprised if any states grant a similar credit -- if they do, it would be in the state income tax instructions book. :o From PA Schedule G-L Resident Credit for Taxes Paid Instructions: A. Resident Credit for Tax...
by minesweep
Thu Jan 29, 2015 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Just purchased 2015 maximum EE Series Bonds
Replies: 67
Views: 4458

Re: Just purchased 2015 maximum EE Series Bonds

I have POA for my 84 year-old widowed sister who has held Series EE Savings Bonds for almost 30 years. Her husband had purchased 58 Series EE Savings Bonds back in 1984-1985. They have a 4% interest rate but their yield is now 5.2% (according to the Savings Bond Wizard). There are seven $500 denomin...
by minesweep
Wed Jan 28, 2015 9:05 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 223
Views: 32843

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

I wish Vanguard would either rein in TurboTax or switch to a less greedy competitor. Tell your Flagship rep. I'l definitely let mine know. I did indeed speak with my Vanguard Flagship person and several others reps, as well. I am very disappointed in Vanguard. They are trying to "give" me...
by minesweep
Tue Jan 27, 2015 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: Preparing for RMDs
Replies: 66
Views: 5463

Re: Preparing for RMDs

Are you planning to move after you retire? State income taxes make a big difference. Either NC, VA, or PA. In another thread Chris has mentioned that in NC, 10 equal annual distributions from the TSP are not taxed by the state. Check it out. I think Pennsylvania does not tax Roth conversions , chec...
by minesweep
Tue Jan 27, 2015 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: Preparing for RMDs
Replies: 66
Views: 5463

Re: Preparing for RMDs

Are you planning to move after you retire? State income taxes make a big difference. Either NC, VA, or PA. In another thread Chris has mentioned that in NC, 10 equal annual distributions from the TSP are not taxed by the state. Check it out. I think Pennsylvania does not tax Roth conversions, check...
by minesweep
Sun Jan 25, 2015 11:09 am
Forum: Investing - Theory, News & General
Topic: Poll: Principles of Boglehead Philosophy
Replies: 68
Views: 4140

Re: Poll: Principles of Boglehead Philosopy

Keep Investing Costs Low, Diversify Your Investments, Stay the Course ! Carry on! I feel accomplished. Those are precisely the three for which I voted. If my answers are the same as Grt2bOutdoors, then I feel like I am on the right path. Double Ditto! I didn't choose "Live Below Your Means&quo...
by minesweep
Fri Jan 23, 2015 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: Gotta Be a Bear Market Coming
Replies: 64
Views: 8441

Re: Gotta Be a Bear Market Coming

The economy looks strong with growth up and unemployment down. Nonetheless, I'e got to think this bull market is getting somewhat aged. While I won't resort to market-timing, I am bracing - perhaps irrationally - bracing for a major correction or bear market. The Federal Reserve Chairperson hasn’t ...
by minesweep
Thu Jan 22, 2015 5:45 pm
Forum: Personal Consumer Issues
Topic: $7 gas - what would you do?
Replies: 125
Views: 19385

Re: $7 gas - what would you do?

AJ wrote:There is a new CIBC report that predicts $7 gas by 2010. What changes would you make to your lifestyle to handle $7 gas?

Oops!

So much for that prediction.

Mike

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