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

Vanguard brokerage account tax forms are now available online.

Mike
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: 80
Views: 5154

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
Thu Feb 19, 2015 1:31 pm
 
Forum: Investing - Theory, News & General
Topic: Cap Gains & Divs killed me this year
Replies: 61
Views: 5851

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 5:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inherited Mutual Funds: Investing advice
Replies: 67
Views: 3058

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
Sat Feb 14, 2015 3:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inherited Mutual Funds: Investing advice
Replies: 67
Views: 3058

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 4:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Spartan International [FSPNX] no emerging markets?
Replies: 8
Views: 694

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: 694

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
Tue Feb 10, 2015 3:10 pm
 
Forum: Investing - Theory, News & General
Topic: Developed Markets Index Fund has lower QDI
Replies: 6
Views: 406

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
Sun Feb 01, 2015 4:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: TRowePrice Small Cap Value Fund- "HUH?"
Replies: 12
Views: 1226

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 6:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: question about investing in oil, USO
Replies: 15
Views: 1090

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
Sat Jan 31, 2015 8:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Foreign Tax credit and STATE Income Taxes
Replies: 34
Views: 3960

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
Fri Jan 30, 2015 9:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Foreign Tax credit and STATE Income Taxes
Replies: 34
Views: 3960

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
Thu Jan 29, 2015 3:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just purchased 2015 maximum EE Series Bonds
Replies: 67
Views: 4112

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
Wed Jan 28, 2015 9:05 am
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 223
Views: 30488

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 7:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Preparing for RMDs
Replies: 66
Views: 5127

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
Tue Jan 27, 2015 7:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Preparing for RMDs
Replies: 66
Views: 5127

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
Sun Jan 25, 2015 11:09 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Principles of Boglehead Philosophy
Replies: 68
Views: 3818

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
Fri Jan 23, 2015 3:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Gotta Be a Bear Market Coming
Replies: 64
Views: 7767

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
by minesweep
Thu Jan 22, 2015 5:45 pm
 
Forum: Personal Consumer Issues
Topic: $7 gas - what would you do?
Replies: 125
Views: 18878

Re: “How Does Aging Affect Financial Decision Making?”

c.Alvin wrote:Another good reason why I invest in Vanguard index funds - it is no brainer :oops:

:)

Mike
by minesweep
Wed Jan 21, 2015 11:09 am
 
Forum: Investing - Theory, News & General
Topic: “How Does Aging Affect Financial Decision Making?”
Replies: 54
Views: 2818

Re: Return of the Stockpickers

In the same Barron's issue the following quote:
A Rare Bogey for Barron’s
Our 144 bullish stock picks rose an average of 4.9%, versus a 7% gain for their benchmarks. And despite some great calls, our bearish picks also trailed.

Mike
by minesweep
Mon Jan 19, 2015 6:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Return of the Stockpickers
Replies: 8
Views: 727

Re: RMD withdrawals.

I begin taking my RMD this year (will turn 70 in March) as well. I have it automatically set up with Vanguard to send it to the IRS (in mid-December) for the same two reasons that Taylor described in his reply. I will no longer have to make those four quarterly estimated tax payments to the IRS ever...
by minesweep
Sun Jan 18, 2015 7:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: RMD withdrawals.
Replies: 43
Views: 3480

Re: What is the international portion of your portfolio and

I keep between 25%-30% of equities in international. Currently it's 26%. Taxable - Developed Markets 50% (was in Tax-Managed Int’l before the merge). Taxable - Emerging Markets - 20% IRA - Int'l Explorer Fund - 20% - Initial purchase in 2000 (before Vanguard had an Int'l Small Cap Index Fund). IRA -...
by minesweep
Fri Jan 16, 2015 5:53 pm
 
Forum: Investing - Theory, News & General
Topic: What is the international portion of your portfolio and why?
Replies: 140
Views: 11949

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

It looks like someone posted a DJIA guess (19,511).

Mike
by minesweep
Sat Jan 10, 2015 1:40 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 556
Views: 19915

Re: International Stock Index Potential

selftalk wrote:My opinion is that the international asset class is a much better value at this time than the U.S. but it takes time to get back into favor. If you`re short on time forget it. Make up your asset allocation and stick to it.

+1

I'll turn 70 in a couple of months. I hope I'm not short on time.

Mike
by minesweep
Sat Jan 10, 2015 10:40 am
 
Forum: Investing - Theory, News & General
Topic: International Stock Index Potential
Replies: 23
Views: 3195

Re: At Vanguard Active beats Passive

I've owned the Strategic Small Cap Equity in my Roth IRA since 2006. And the Capital Opportunity Fund in my taxable account since 1998. :moneybag :sharebeer

Mike
by minesweep
Fri Jan 09, 2015 12:59 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's stockpickers outperform.... [news article]
Replies: 61
Views: 3634

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

2,270.97 Pick another number. It's been taken (see page 4). Rules for the 2015 Boglehead Contest: * Forecast the closing price of the S&P 500 Index on December 31, 2015. * Only one guess (no percentages and no changes). * Registration ends 12:00 midnight ET January 10, 2015. * In the event of t...
by minesweep
Thu Jan 08, 2015 10:33 am
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 556
Views: 19915

Re: Poll: Do you own I Bonds?

Once retired you can't contribute to a 401k any longer, you can't contribute to an IRA, after 65 you can't contribute to an HSA, ... So how do you convert taxable investments into tax-deferred ones? Are there ways other than buying IBonds? I'm retired and I have Vanguard's PA Tax-Exempt Bond Fund (...
by minesweep
Tue Jan 06, 2015 4:19 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Do you own I Bonds?
Replies: 62
Views: 5534

Re: Stock Market Behavior Predicted by Rat Neurons

gardemanger wrote:But do the rats sleep well at night???

Maybe the question should be "do rats sleep well during the daytime"?

Mike
by minesweep
Sat Jan 03, 2015 4:19 pm
 
Forum: Investing - Theory, News & General
Topic: Stock Market Behavior Predicted by Rat Neurons
Replies: 13
Views: 811

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

2270.97

Mike
by minesweep
Thu Jan 01, 2015 8:21 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 556
Views: 19915

Re: BOGLEHEAD CONTEST -- November 2014

Well, let me enjoy these few seconds 1 cfs 2076.44 0.56 In first place, at least for a couple of seconds !!! WHOOOSH! You jinxed yourself? :D Screw my portfolio, I need the S&P to drop another 3 points so I can receive my fame and glory. Those producers at CNBC and Bloomberg are going to be all...
by minesweep
Wed Dec 31, 2014 4:29 pm
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- November 2014
Replies: 41
Views: 5574

Re: Roth IRA with Vanguard or Scottrade?

Welcome to the Bogleheads Forum!

And congratulations on beginning to invest for your retirement at an early age. The Power of Compounding will work wonders for you over your lifetime.

Getting started

Mike
by minesweep
Mon Dec 29, 2014 1:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA with Vanguard or Scottrade?
Replies: 8
Views: 383

Re: Investing inheritance money for elderly motherr

Thank you, With a Vanguard inherited IRA how does that work in terms of taxes for her and RMD and it being passed on to her children? Your mother will have to begin taking RMD's based on her life expectancy. Beneficiary RMD Calculator If she makes her children the beneficiary of the inherited IRA (...
by minesweep
Sat Dec 27, 2014 3:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing inheritance money for elderly motherr
Replies: 70
Views: 4551

Re: Investing inheritance money for elderly motherr

We were told that she has to transfer the money by Dec 31st. We are looking at transferring to an IRA for now however the financial planner(s) want to begin investing. Does she also need to begin starting RMD? No she does not have any other stocks or bonds. She would like to receive 2,500 monthly t...
by minesweep
Fri Dec 26, 2014 6:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing inheritance money for elderly motherr
Replies: 70
Views: 4551

Re: I think I just got a $5,000 watch for Christmas

A timely Christmas gift. :)

Mike
by minesweep
Thu Dec 25, 2014 5:03 pm
 
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 920
Views: 179375

Re: BOGLEHEAD CONTEST -- November 2014

I am in third place at the moment, but I think that will not hold by the end of this month. I think there will be a dip before New Years and others will cut in line. :wink: Well, shipmate Teacher, it may go down, it may go up, that's the fun part, but, what about all those window dressers waiting f...
by minesweep
Wed Dec 24, 2014 2:21 pm
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- November 2014
Replies: 41
Views: 5574

Re: What "actively" managed funds do you own?

Capital Opportunity (1998) taxable account -not adding anymore TIPS (2006) Traditiona IRA Short-Term Investment Grade (2002) Traditional IRA Int'l Explorer (2000) Traditional IRA Strategic Small Cap Equity (2006) Roth IRA Primecap (2002) Traditional IRA, moved to Short-Term Investment Grade (2013) M...
by minesweep
Mon Dec 22, 2014 8:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: What "actively" managed funds do you own?
Replies: 82
Views: 4919

Re: Poll: Your Portfolio Tax Diversification

Age 70 (in 3 months). Retired January, 2001.

Taxable - 70.3
Traditional IRA - 27%
Roth IRA - 2.7%

Mike
by minesweep
Fri Dec 12, 2014 2:24 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Your Portfolio Tax Diversification
Replies: 45
Views: 2670

Re: Selecting Charities for Donation

These guides are among the best in analyzing in how well charities spend their money (% fundraising, % on programs, etc) 1. http://www.charitynavigator.org/ 2. http://www.guidestar.org/ 3. http://www.charitywatch.org/ 4. http://www.givewell.org/ The last one only analyzes a small number - but takes...
by minesweep
Fri Nov 21, 2014 3:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selecting Charities for Donation
Replies: 59
Views: 6494

Re: For the next year or so, why shouldn't we be in all-cas

Stocks have declined 40% or more twice in the past 15 years. And there are more frequent 10 to 20% dips. Shouldn't we be ready to take advantage of those opportunities? Wouldn't that be better than just watching the values erode? On average 10% stock market corrections occur ever year or two and 20...
by minesweep
Fri Nov 14, 2014 9:31 pm
 
Forum: Investing - Theory, News & General
Topic: For the next year or so, why shouldn't we be in all-cash?
Replies: 54
Views: 7657

Re: For the next year or so, why shouldn't we be in all-cas

tornasunder wrote:
So what do you think of my pessimistic view?

Pessimism can be the stock market’s best friend.

Mike
by minesweep
Fri Nov 14, 2014 8:10 pm
 
Forum: Investing - Theory, News & General
Topic: For the next year or so, why shouldn't we be in all-cash?
Replies: 54
Views: 7657

Re: letting profits run or sell...

Looking at the following two charts (at the links shown below) how would an investor have known when to buy and when to sell these stocks at the most opportune times? It’s a crap shoot. Then there are tax considerations to consider as well. You mention that you hold stocks for the long haul. If so, ...
by minesweep
Fri Nov 07, 2014 1:18 pm
 
Forum: Investing - Theory, News & General
Topic: letting profits run or sell...
Replies: 34
Views: 3030

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

Starting to save early, which you are, is probably the most important controllable factor to ending up wealthy. By starting to seriously save at 22, you're off to a great start. You can reach your goals without taking any unncessary risk. If you do, I would make sure it's a small percentage of your...
by minesweep
Thu Nov 06, 2014 7:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: 22, I want to be rich, looking for a high reward fund
Replies: 67
Views: 6923

Re: AA...any other crazy 80/20 folks out there?

Toons wrote:I started investing at age 29,,,almost 100% equities,Age 64 now,,,about 72/28 now,equity/bond,cash :happy

I currently have the exact same ratio (I'm 69). Over the short term I'm planning to move to 60/40. Ultimate goal is be 50/50.

Mike
by minesweep
Tue Nov 04, 2014 5:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA...any other crazy 80/20 folks out there?
Replies: 57
Views: 5381

Re: Do you dream about retirement?

Not dreaming about retirement because I'm living it (14 years come January). Like some fellow posters here I've had dreams about work. However, after all these years they are much rarer today.

Mike
by minesweep
Wed Oct 29, 2014 4:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you dream about retirement?
Replies: 91
Views: 7527

The Timeless Allure of Stock-Market Timers

Twelve days ago, as the broader U.S. stock market was in the midst of its first sharp decline in years, popular newsletter editor Dennis Gartman appeared on a CNBC show and advised viewers to prepare for a bear market. “You stay in cash and you stay in short-term bonds and you don’t move out,” Gart...
by minesweep
Wed Oct 29, 2014 2:04 pm
 
Forum: Investing - Theory, News & General
Topic: The Timeless Allure of Stock-Market Timers
Replies: 0
Views: 337

Re: Retirement and my plan on where to put my money

I would favor the Vanguard Small-Cap Value Index Admiral (VSIAX) over Vanguard Explorer (VEXPX). The expense fee is .09% for VSIAX versus .52% for VEXPX. The price/book ratio is 1.8 for VSIAX versus 2.9 for VEXPX.

The ‘Black Hole Of Investing’

Mike
by minesweep
Tue Oct 28, 2014 11:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement and my plan on where to put my money
Replies: 17
Views: 2526

Re: When people put all their eggs in the wrong basket

GT Advanced (GTAT) bankruptcy

The company lived up to its namesake. Well, at least for a while.

Mike
by minesweep
Sat Oct 25, 2014 12:57 pm
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 233
Views: 31073

Re: Angry when stock market is down

I'm not much ANGRY at anything anymore, especially not the various investment markets. OK, I lied; I sometimes get angry at crabgrass... If you have too much crabgrass you need to rebalance your lawn next spring with an application of Scotts Halts (or other brand of) crabgrass preventer. Of course ...
by minesweep
Fri Sep 12, 2014 1:07 pm
 
Forum: Investing - Theory, News & General
Topic: Angry when stock market is down
Replies: 79
Views: 4566
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