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by minesweep
Wed May 27, 2015 8:03 am
Forum: Investing - Help with Personal Investments
Topic: Upcoming Economic Bubble
Replies: 31
Views: 3275

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: 3063

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: 4528

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: 3207

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: 4823

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: 2259

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: 3927

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: 2122

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: 5058

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: 1633

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: 1481

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: 13453

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: 6473

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: 2175

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: 510

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: 8463

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: 7566

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: 3710

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: 3710

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: 854

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: 854

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: 440

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: 1396

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: 1274

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: 4288

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: 4288

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: 4353

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: 32181

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: 5352

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: 5352

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: 4059

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: 8006

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: 19128

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
Wed Jan 21, 2015 11:09 am
Forum: Investing - Theory, News & General
Topic: “How Does Aging Affect Financial Decision Making?”
Replies: 67
Views: 4761

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
Mon Jan 19, 2015 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: Return of the Stockpickers
Replies: 8
Views: 774

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
Sun Jan 18, 2015 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: RMD withdrawals.
Replies: 43
Views: 3829

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
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: 12981

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
Sat Jan 10, 2015 1:40 pm
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 556
Views: 21456

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

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

Mike
by minesweep
Sat Jan 10, 2015 10:40 am
Forum: Investing - Theory, News & General
Topic: International Stock Index Potential
Replies: 23
Views: 3298

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
Fri Jan 09, 2015 12:59 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's stockpickers outperform.... [news article]
Replies: 61
Views: 3862

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
Thu Jan 08, 2015 10:33 am
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 556
Views: 21456

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
Tue Jan 06, 2015 4:19 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do you own I Bonds?
Replies: 62
Views: 5825

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
Sat Jan 03, 2015 4:19 pm
Forum: Investing - Theory, News & General
Topic: Stock Market Behavior Predicted by Rat Neurons
Replies: 13
Views: 869

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
Thu Jan 01, 2015 8:21 pm
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 556
Views: 21456

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

2270.97

Mike
by minesweep
Wed Dec 31, 2014 4:29 pm
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- November 2014
Replies: 41
Views: 5764

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...

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