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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: 3887

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: 203
Views: 27936

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: 61
Views: 4279

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: 61
Views: 4279

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: 66
Views: 3524

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: 7658

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: 18650

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: 2760

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: 706

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: 3101

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: 131
Views: 9753

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: 19740

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: 3164

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: 3595

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: 19740

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: 5469

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: 803

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: 19740

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: 5559

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: 375

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: 4521

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: 4521

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: 906
Views: 173335

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: 5559

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: 4813

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: 2633

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: 6416

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: 7639

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: 7639

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: 2987

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: 6807

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: 5240

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: 7412

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: 2511

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: 30596

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: 4564

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: 1336

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: 3926

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: 5561

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: 2959

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: 3781

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: 1136

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: 2249

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: 14251

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: 3190

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: 192
Views: 42667
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