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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: 2446

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: 4498

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: 7519

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: 7519

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: 2841

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: 6440

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: 4976

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: 6877

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: 335

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: 2480

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: 29874

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: 4335

Re: Jack Bogle on CNBC

ETF portion of the interview is missing from video:

Bogle: QE helped the business side

Mike
by minesweep
Wed Sep 03, 2014 4:30 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle on CNBC
Replies: 6
Views: 1329

Re: Why don't utilities get any praise

Why don't utilities get any praise

Warren Buffet likes them

Mike
by minesweep
Mon Aug 25, 2014 8:02 am
 
Forum: Investing - Theory, News & General
Topic: Why don't utilities get any praise
Replies: 39
Views: 3899

Re: International allocation

I was between 20%-25% international. But I have been gradually increasing my position this year so that I’m currently 29% international. I would like to boost it around 33%. I also would like to increase my small cap int’l exposure as well to between 25%-30%. Even though it’s a small amount I hate t...
by minesweep
Sun Aug 24, 2014 1:30 pm
 
Forum: Investing - Theory, News & General
Topic: International allocation
Replies: 81
Views: 5427

Re: Goldman-Sachs: bonds to 4%, 6% stock returns

Wonder if this latest Goldman Sachs S&P 500 forecast will be more accurate than their other forecasts, such as the one they totally blew for 2012: Forecast: "The S&P 500 will finish 2012 “unchanged for the second consecutive year at roughly 1,250,” according to a Goldman Sachs forecast...
by minesweep
Tue Aug 19, 2014 4:37 pm
 
Forum: Investing - Theory, News & General
Topic: Goldman-Sachs: bonds to 4%, 6% stock returns
Replies: 20
Views: 2950

Re: Anyone Switched to Vanguard Account Upgrade?

cfs wrote:Not working.

This is what I am getting from Vanguard: None of your accounts can currently be upgraded.

Thanks for reading.

Ditto!

MIke
by minesweep
Wed Jul 30, 2014 9:59 am
 
Forum: Investing - Theory, News & General
Topic: Anyone Switched to Vanguard Account Upgrade?
Replies: 20
Views: 3543

Re: RMD's [Required Minimum Distributions]

Like your friend I have a mix of Vanguard mutual funds and ETF’s in my IRA. I will also be taking my first RMD beginning next year (in December). Currently I’m making quarterly estimated tax payments to the IRS. However, next year I will take the full amount of the federal estimated tax from my RMD....
by minesweep
Sat Jul 26, 2014 11:53 am
 
Forum: Investing - Help with Personal Investments
Topic: RMD's [Required Minimum Distributions]
Replies: 11
Views: 1135

Re: Buying a car- 2011 Lexus IS 250 9k miles

I'm not sure what to do and I thought this place would be the best to get advice.. What do you guys think? Right church, wrong pew. Personal Consumer Issues Questions on how we spend our money and our time - consumer goods and services, home and vehicle , leisure and recreational activities Mike
by minesweep
Thu Jul 24, 2014 12:08 pm
 
Forum: Personal Consumer Issues
Topic: Buying a car- 2011 Lexus IS 250 9k miles
Replies: 27
Views: 2219

Re: talk me out of buying an individual stock (Facebook)

However, this morning I have an itch to buy a stock. When I have an itch I just scratch it. Facebook’s stock price was down another 6.22% today. The stock could turn into Rubble . And then all you’ll have is Pebbles . On the other hand it could turn out to be a Dino mite stock. Mike If the stock ha...
by minesweep
Thu Jul 24, 2014 8:37 am
 
Forum: Investing - Help with Personal Investments
Topic: talk me out of buying an individual stock (Facebook)
Replies: 109
Views: 14217

Re: Market Timing vs. Market Opportunity

... on the chance that the market will drop when QE3 ends. Chance is the key word here isn't it? Do you believe in establishing an AA to govern your investing? What is your target AA? Unless it's 100% stocks you'll probably be pulling some out of equities as they increase anyway. If it is 100% stoc...
by minesweep
Sat Jul 19, 2014 7:49 am
 
Forum: Investing - Theory, News & General
Topic: Market Timing vs. Market Opportunity
Replies: 46
Views: 3182

Re: AAPL

I bought $500 worth back in 1992 and never sold any until last month. 700 shares post-split Over the past month the price range of AAPL was between $90-$95/share. At an average $92.50/share, 525 shares was worth $48,562. 175 shares at $95.22 (7/11/14 close) is $16,663. Over 22 years that $500 inves...
by minesweep
Sat Jul 12, 2014 11:50 am
 
Forum: Investing - Help with Personal Investments
Topic: AAPL
Replies: 191
Views: 41999

Re: AAPL

Two months ago AAPL represented about 50% of my portfolio. Now I am converting it to a boglehead portfolio and have sold off 75% of my holdings. It's been a busy month of selling. :) Cause you started a long time ago, or did you decide to buy a decent chunk in the past few years? I bought $500 wort...
by minesweep
Sat Jul 12, 2014 9:47 am
 
Forum: Investing - Help with Personal Investments
Topic: AAPL
Replies: 191
Views: 41999

Re: Why not include gold?

1. "Gold gets dug out of the ground in Africa, or someplace. Then we melt it down, dig another hole, bury it again and pay people to stand around guarding it. It has no utility. Anyone watching from Mars would be scratching their head." 2. "The problem with commodities is that you ar...
by minesweep
Wed Jul 09, 2014 2:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why not include gold?
Replies: 48
Views: 3980

Re: If you wouldn't buy (stocks), then you must sell

Based on the current economic environment valuations may seem a little bit on the high side. But the stock market is looking ahead 6-12 months from now and is pricing stocks based on expectations. So if the economy continues to pick up steam then earnings should too and PE’s that look on the high si...
by minesweep
Fri Jul 04, 2014 9:11 am
 
Forum: Investing - Theory, News & General
Topic: If you wouldn't buy (stocks), then you must sell
Replies: 32
Views: 3156

Re: If you wouldn't buy (stocks), then you must sell

Also, capital gain taxes. Exactly. I have the majority of my investments in taxable. I've been retired since 01/2001, so other than rebalancing I haven't been buying much in the way of stocks. And I'm not about to sell my taxable because next year I begin my RMD. I'm not looking for more income to ...
by minesweep
Thu Jul 03, 2014 5:09 pm
 
Forum: Investing - Theory, News & General
Topic: If you wouldn't buy (stocks), then you must sell
Replies: 32
Views: 3156

Re: Is now a bad time to invest?

With me being 34 and investintg I would love the market to drop 50% or more.. Seems to me we just had a correction of that magnitude several years ago (hope you took advantage of it). Unfortunately, a lot of investors got spooked out of the stock market back then, as well as the major correction th...
by minesweep
Wed Jul 02, 2014 7:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Is now a bad time to invest?
Replies: 100
Views: 10110

Re: Is now a bad time to invest?

With me being 34 and investintg I would love the market to drop 50% or more.. Seems to me we just had a correction of that magnitude several years ago (hope you took advantage of it). Unfortunately, a lot of investors got spooked out of the stock market back then, as well as the major correction th...
by minesweep
Wed Jul 02, 2014 6:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Is now a bad time to invest?
Replies: 100
Views: 10110

Re: BOGLEHEAD CONTEST: Mid-Year Report

cfs wrote:Thanks Taylor.

Thanks Taylor for the update, with my 2076.44 guess I am within striking distance, come on S&P 500 let's go for broke.

And now back to watching World Cup reviews, and Go Team USA.

Thanks for reading.

My guess is 2073.86. We could be dukin' It out for the top spot. :)

Mike
by minesweep
Tue Jul 01, 2014 8:39 am
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST: Mid-Year Report
Replies: 22
Views: 1899

Re: [Poll] Did you tax loss harvest in the past?

Mutual Funds
500 Index to Total Stock Market - 2002
Total Stock Market to 500 Index – 2003
500 Index to Total Stock Market – 2008

I have tax loss harvested individual stocks over the years as well.

Mike
by minesweep
Thu Jun 19, 2014 1:57 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] Did you tax loss harvest in the past?
Replies: 17
Views: 990

Re: PANIC! 101

Martenson’s research suggests that the stock market has patterns

The only patterns I trust are on quilts (they look pretty too).

Mike
by minesweep
Wed Jun 11, 2014 1:45 pm
 
Forum: Investing - Theory, News & General
Topic: Panic! 101
Replies: 40
Views: 3753

Re: Bernstein - Volatility Beneficial for Accumulators

555 wrote:
rca1824 wrote:unit root

What's that?

You might be sorry you asked:

Unit root

Mike
by minesweep
Mon Jun 09, 2014 11:53 am
 
Forum: Investing - Theory, News & General
Topic: Bernstein - Volatility Beneficial for Accumulators
Replies: 7
Views: 1306

Re: 70th Anniversary of D Day

I’ve posted some war stories on previous occasions. Here’s one more (a recollection of the D-Day invasion).

War Story - Omaha Beach on D-Day

Mike
by minesweep
Fri Jun 06, 2014 3:23 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: 70th Anniversary of D Day
Replies: 18
Views: 1209

Re: BOGLEHEAD CONTEST -- S&P at record high.

I’m rooting for MassInvestor. :moneybag I could root for k66 but I’m not that greedy. Besides, I like nice round numbers. :happy

Mike
by minesweep
Sat May 31, 2014 9:12 am
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- S&P at record high.
Replies: 26
Views: 3950

Re: Squirrels ate through sceen, plastic & wood to get bird

Man vs. squirrels, an endless backyard battle Squirrels are cute little fur balls of energy that entertain us by hopping hither and yon across our lawns. Or they're bushy-tailed, rat-faced thieves whose raison d'etre is to plunder bird feeders. Your bird feeder in particular. The war between man an...
by minesweep
Sat May 17, 2014 11:30 am
 
Forum: Personal Consumer Issues
Topic: Squirrels ate through sceen, plastic & wood to get bird feed
Replies: 37
Views: 2344

Re: Golfers vs Investors

Bogey - Load Fund. Double Bogey – Load Fund with high fees. Bump and Run. Day Trading. Bunker . Stay the Course in a Bear Market. The Masters . JacK Bogel, Warren Buffet……… Hole in One – A newbie investor reading the “The Bogleheads’ Guide to Investing” Caddy – Financial Advisor Driving Range – A m...
by minesweep
Fri May 09, 2014 3:26 pm
 
Forum: Investing - Theory, News & General
Topic: Golfers vs Investors
Replies: 18
Views: 1741

Re: Retirement conundrum: Pick two out of three

longinvest wrote:Pick you poison! :mrgreen: (That is, unless you've got a big enough portfolio :moneybag )

I have a big enough portfolio.

Mike
by minesweep
Fri May 09, 2014 9:23 am
 
Forum: Investing - Theory, News & General
Topic: Retirement conundrum: Pick two out of three
Replies: 17
Views: 2111

Re: Buffett pulls further ahead

According the NY Times reporting from the Berkshire Hathaway annual meeting this weekend, Mr. Buffett took the time to review his bet with Protégé Partners, something he does with obvious relish . Looks like the Protégé Partners can’t cut the mustard . They had better get their “A” game in gear, ot...
by minesweep
Mon May 05, 2014 3:54 pm
 
Forum: Investing - Theory, News & General
Topic: Buffett pulls further ahead
Replies: 16
Views: 3154

Re: Do you overweight International Small?

I made my initial purchase of Int'l Explorer (for my IRA) back in July of 2002. Long before a small cap international index was available at Vanguard. Int'l Explorer is currently 21% of my total international exposure.

Mike
by minesweep
Thu May 01, 2014 6:18 pm
 
Forum: Investing - Theory, News & General
Topic: Do you overweight International Small?
Replies: 32
Views: 1818

Re: John Bogle On CNBC

I posted the following link at the "Local Chapters and Bogleheads Community" this morning. It contains a short video about Jack Bogle.

Index mutual fund pioneer

Mike
by minesweep
Tue Apr 29, 2014 2:35 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle On CNBC
Replies: 6
Views: 947

Re: VOTE FOR JACK [for 25 who changed business] AT CNBC.COM

The votes are in. Jack Bogle came in at number 9 on the list. Success must not be bought but earned . Index mutual funds are so common today that it's nearly impossible to believe the ridicule John C. "Jack" Bogle got when he created the first one almost 40 years ago. "Bogle's Folly&q...
by minesweep
Tue Apr 29, 2014 6:52 am
 
Forum: Local Chapters and Bogleheads Community
Topic: VOTE FOR JACK [for 25 who changed business] AT CNBC.COM
Replies: 44
Views: 6821

Re: Do Honda Mowers Leave an Un-cut Grass Strip?

I just bought a Honda mower about 3 weeks ago and have had no such problems......very satisfied so far! Here is the mower that I bought: http://www.homedepot.com/p/Honda-21-in-3-in-1-Variable-Speed-Self-Propelled-Gas-Mower-with-Auto-Choke-HRR216K9VKA/203709643 That's the one I bought also (last fal...
by minesweep
Mon Apr 28, 2014 9:52 am
 
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 51
Views: 10388

Re: Do Honda Mowers Leave an Un-cut Grass Strip?

obgraham wrote:Now getting the engine to start, that's a different matter.

I will assume that you tried installing a new spark plug.

Mike
by minesweep
Mon Apr 28, 2014 9:07 am
 
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 51
Views: 10388

Re: TV show recommendations?

The countdown continues for "24":

24: Live Another Day
by minesweep
Sat Apr 26, 2014 5:49 pm
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 304
Views: 143990

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 6:34 pm
 
Forum: Personal Consumer Issues
Topic: Best Movies of 2013
Replies: 83
Views: 6572

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 10:36 am
 
Forum: Investing - Theory, News & General
Topic: Funds Investing: Make More Money and Worry Less
Replies: 4
Views: 775

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 4:24 pm
 
Forum: Investing - Theory, News & General
Topic: No Market Mania Here!
Replies: 13
Views: 1298
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