Search found 9207 matches

by pkcrafter
Fri Aug 28, 2015 9:13 pm
Forum: Investing - Help with Personal Investments
Topic: Bad 403b vs Taxable in 15% bracket
Replies: 8
Views: 399

Re: Bad 403b vs Taxable in 15% bracket

When you see a Vanguard fund with that kind of ER, it usually means the administrative fees have been tacked on. When it's done that way at least you know the fees. If this is what's happening, then the fees are pretty average for a 403b. Most plans hide the fees, in which case you would see low ERs...
by pkcrafter
Fri Aug 28, 2015 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: Friend's proposed RMD strategy--A little different
Replies: 15
Views: 1125

Friend's proposed RMD strategy--A little different

A friend told me about his RMD strategy today. Friend's RMD is more than he can spend, so he reasoned that he would take RMD when the market dropped so he could take more shares, thus reducing next RMD. The RMD was moved to a taxable account that is marked for heirs and he will never withdraw from i...
by pkcrafter
Fri Aug 28, 2015 8:37 pm
Forum: Investing - Theory, News & General
Topic: The Oft-Ignored Fact: Real stock returns were only 2.2% since 1870.
Replies: 22
Views: 2659

Re: The Oft-Ignored Fact: Real stock returns were only 2.2% since 1870.

Where did Nisiprius get the decoder ring trick?

Drag mouse across text the blank quote to reveal comments.
:shock:

Paul
by pkcrafter
Fri Aug 28, 2015 6:26 pm
Forum: Personal Consumer Issues
Topic: Lawn Mower Repair
Replies: 28
Views: 1122

Re: Lawn Mower Repair

The reason I find it odd that your Honda mower engine won't run on E10 gasoline (10% ethanol) is that Honda initially had a problem with their auto engines, but that was several years ago and the problem was quickly resolved. It doesn't seem to make sense that the mower engines are not also equipped...
by pkcrafter
Fri Aug 28, 2015 11:39 am
Forum: Personal Consumer Issues
Topic: Laptop Recommendation
Replies: 41
Views: 3044

Re: Laptop Recommendation

Just in case there are Lenovo owners who aren't aware of it.

Another 'massive security risk' found in Lenovo computers, company issues a patch

http://betanews.com/2015/05/06/another- ... s-a-patch/
by pkcrafter
Fri Aug 28, 2015 11:26 am
Forum: Personal Consumer Issues
Topic: Lawn Mower Repair
Replies: 28
Views: 1122

Re: Lawn Mower Repair

Just had my less than 2 year old Honda repaired. Cost me about 70 dollars. I was hoping it would have been covered under warranty but they told me it was my fault because I used "bad gas". Hard to believe but okay. I decided not to fight it. They said I should find no ethonal gas which is...
by pkcrafter
Fri Aug 28, 2015 9:10 am
Forum: Investing - Help with Personal Investments
Topic: employer 401k--expensive?
Replies: 6
Views: 392

Re: employer 401k--expensive?

Can you post a few of the higher cost funds and lowest cost funds?

Paul
by pkcrafter
Fri Aug 28, 2015 8:47 am
Forum: Investing - Theory, News & General
Topic: A glitch in the VIX itself when the market isn't "typical."
Replies: 4
Views: 473

Re: A glitch in the VIX itself when the market isn't "typical."

and includes the classic remark, "Well, typically, the market doesn't do that."

And that folks, is what risk is all about?
by pkcrafter
Thu Aug 27, 2015 8:43 am
Forum: Investing - Help with Personal Investments
Topic: Help 2 grow 90k invest fairly fast
Replies: 89
Views: 5772

Re: Help 2 grow 90k invest fairly fast

I wonder if anyone here really understands 3kats situation or what he's trying to do. He apparently has other investments and so does his wife, but he doesn't count them. If the 90k is for his wife's future use, then why would all CDs and interest bearing accounts be the course of action? Didn't he...
by pkcrafter
Wed Aug 26, 2015 7:57 pm
Forum: Investing - Theory, News & General
Topic: More Proof: The 'Do Nothing' Strategy Works
Replies: 15
Views: 2481

Re: More Proof: The 'Do Nothing' Strategy Works

Minor quibble with the title. This is supportive evidence, not proof. Second, it's unclear what "works" means. Finally, using the present tense to describe a strategy formulated from historical events is a trap top be wary of. In fact, I'd recommend running away fast from someone who tell...
by pkcrafter
Wed Aug 26, 2015 7:30 pm
Forum: Investing - Theory, News & General
Topic: SPLV low volatility fund not so low
Replies: 3
Views: 253

Re: SPLV low volatility fund not so low

Here's a post I made earlier with links to the explation. The big problem was with ETFs.

viewtopic.php?f=10&t=172595

Vanguard's global minimum volatilityfund, VMVFX, did much better.

Paul
by pkcrafter
Wed Aug 26, 2015 12:51 pm
Forum: Investing - Theory, News & General
Topic: Some ETFs took a very hard fall
Replies: 1
Views: 363

Some ETFs took a very hard fall

The market "crash" seems to have caused large price discrepancy between sell price and underlying asset value for some ETFs. As the Dow Jones Industrial Average and S&P 500 tumbled Monday morning, unusually big declines in the prices of some ETFs and wide gaps between buying and sellin...
by pkcrafter
Wed Aug 26, 2015 10:35 am
Forum: Investing - Theory, News & General
Topic: Anybody questioning use of an advisor at this volatile time?
Replies: 19
Views: 1382

Re: Anybody questioning use of an advisor at this volatile time?

It depends on the advisor, really good ones are in the minority. Also, advisors are not immune to behavioral problems and many are under internal company pressures. Advisors are also under pressure created by the often unrealistic expectations of clients who believe the advisor's job is to not lose ...
by pkcrafter
Wed Aug 26, 2015 9:03 am
Forum: Investing - Help with Personal Investments
Topic: Help 2 grow 90k invest fairly fast
Replies: 89
Views: 5772

Re: Help 2 grow 90k invest fairly fast

I wonder if anyone here really understands 3kats situation or what he's trying to do. He apparently has other investments and so does his wife, but he doesn't count them. If the 90k is for his wife's future use, then why would all CDs and interest bearing accounts be the course of action? Didn't he ...
by pkcrafter
Wed Aug 26, 2015 7:44 am
Forum: Investing - Theory, News & General
Topic: [spurned advisor purports there is a Vanguard] Class Action Suit?
Replies: 43
Views: 3761

Re: [spurned advisor purports there is a Vanguard] Class Action Suit?

I hope it works out soon, but I'm guessing all the major fund companies and brokerages have been swamped.

Paul
by pkcrafter
Tue Aug 25, 2015 11:08 pm
Forum: Investing - Help with Personal Investments
Topic: Reallocating while the market is moving quickly
Replies: 9
Views: 1075

Re: Reallocating while the market is moving quickly

Okay, I stuck with the plan. It's a little scary to buy global when global is tanking! Not many of my eggs are in that basket in general, though. Deep breaths. Relax... You are never adequately diversified unless you have some holdings that make you uncomfortable Anon--A colleague of Peter Bernstei...
by pkcrafter
Tue Aug 25, 2015 10:56 pm
Forum: Investing - Theory, News & General
Topic: [spurned advisor purports there is a Vanguard] Class Action Suit?
Replies: 43
Views: 3761

Re: [spurned advisor purports there is a Vanguard] Class Action Suit?

Well, I've asked for information about the lawsuit he heard of but he did not give an answer. I was feeling a little bad until he went down that path. Anyhow, he's been a good guy for quite a while so I don't want to drag him down too much. I was going to quote some of the things he said but that j...
by pkcrafter
Tue Aug 25, 2015 10:34 pm
Forum: Investing - Help with Personal Investments
Topic: my retired mother's predicament
Replies: 50
Views: 4269

Re: my retired mother's predicament

Thank you so much for everyone's input! Unfortunately my mother's been disabled for the past 8 years. The settlement was recently finalized a couple months ago. She was given 50K for her health needs related to the injury (it's safe in a MMA), and 30K which we had used to invest in equities. It was...
by pkcrafter
Tue Aug 25, 2015 9:57 pm
Forum: Investing - Theory, News & General
Topic: [spurned advisor purports there is a Vanguard] Class Action Suit?
Replies: 43
Views: 3761

Re: [spurned advisor purports there is a Vanguard] Class Action Suit?

- Let's be fair now, this is what the advisor said: Simply put, many Vanguard offerings are actually down considerably more than their respective indices, Maybe he was referring to actively managed funds. Of course, if that's true, then almost every actively managed fund company could be sued for no...
by pkcrafter
Tue Aug 25, 2015 9:29 pm
Forum: Investing - Theory, News & General
Topic: New Investors - First Correction?
Replies: 45
Views: 3834

Re: New Investors - First Correction?

I am a new investor by inheritance, and I have TSP for 401K with the Fed Government. I also feel like I have already lost a lot compared to where I was. I shifted from individual stocks I inherited to Index Funds. It's very tough for me and just sit and see losses everyday. I don't even know if I a...
by pkcrafter
Tue Aug 25, 2015 9:12 pm
Forum: Investing - Theory, News & General
Topic: New Investors - First Correction?
Replies: 45
Views: 3834

Re: New Investors - First Correction?

So a little bit of a story about me. I started saving and investing 4 years ago. After doing many stupid things with my money a few months ago I pulled all of my sector funds, individual stocks, etc and parked them in cash while consuming the content on this forum, the boglehead wiki, and a few oth...
by pkcrafter
Tue Aug 25, 2015 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: my retired mother's predicament
Replies: 50
Views: 4269

Re: my retired mother's predicament

Ashley, I said above your mother was 90/10 if that was all her assets, which is turns out not to be. This makes a huge difference in what is appropriate to recommend.

Paul
by pkcrafter
Tue Aug 25, 2015 8:47 am
Forum: Investing - Theory, News & General
Topic: What Investors Are Saying Today
Replies: 1
Views: 308

What Investors Are Saying Today

Q: What are investors saying today?

A: Can I still buy that at yesterdays price?
by pkcrafter
Tue Aug 25, 2015 7:28 am
Forum: Investing - Help with Personal Investments
Topic: my retired mother's predicament
Replies: 50
Views: 4269

Re: my retired mother's predicament

An alarm went off when you said your mother had lost 15-20% of her portfolio. Your mother's AA appears to be close to 90/10 if you've listed everything. The AA and fund selection are very inappropriate. It's very difficult to offer suggestions because she should not sell and lock in the loss, but on...
by pkcrafter
Mon Aug 24, 2015 6:49 pm
Forum: Investing - Theory, News & General
Topic: Megan McArdle, Boglehead
Replies: 6
Views: 1084

Re: Megan McArdle, Boglehead

Thanks, this is a good article, and Ms. McArdle does certainly seem to be a Boglehead.

Paul
by pkcrafter
Mon Aug 24, 2015 3:12 pm
Forum: Investing - Theory, News & General
Topic: More Proof: The 'Do Nothing' Strategy Works
Replies: 15
Views: 2481

Re: More Proof: The 'Do Nothing' Strategy Works

Thanks for the link.

Sit back, enjoy the ride, and please keep your arms and legs inside the car at all times while it's moving.

Whooo, and what a ride it was today. Certainly got our money's worth.

Paul
by pkcrafter
Mon Aug 24, 2015 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: Reallocating while the market is moving quickly
Replies: 9
Views: 1075

Re: Reallocating while the market is moving quickly

It's not a dumb question, it's pandemonium out there right now. What will probably happen is the slide will overshoot on the down side before stabilizing. It would be very difficult to determine when the bottom occurs, so I'd probably rebalance now if you are outside the bands.

Paul
by pkcrafter
Mon Aug 24, 2015 1:51 pm
Forum: Investing - Help with Personal Investments
Topic: new to the game of DIY
Replies: 10
Views: 560

Re: new to the game of DIY

i just want to say thank you to all of the people that contribute to this forum I have been observing for weeks and learning constantly- ya'll are amazing Bio: new to the game but just paid off final student loan (90k total) and debt free, ready to starting thinking forward instead of paying for pa...
by pkcrafter
Mon Aug 24, 2015 9:42 am
Forum: Investing - Theory, News & General
Topic: Buy, Hold, Sell
Replies: 14
Views: 1878

Re: Buy, Hold, Sell

I'm sorry, I don't understand the difference between "hold" and "stay the course. Could you explain to me what you see as the difference? Nominally, they would seem to be the same. But by the way it's described, "hold" seems to be a euphemism for "sell." Iceport, ...
by pkcrafter
Mon Aug 24, 2015 9:14 am
Forum: Investing - Theory, News & General
Topic: Guide to Stock Market Corrections
Replies: 9
Views: 2011

Re: Guide to Stock Market Corrections

Well we will find out tomorrow. The TV money news says that Wall Street brokers are on high alert. The correction was so widespread, it didn't affect one index or sector. If the buyers don't show up down it goes. Another few inches on your next bear market graph. So, you seem to be saying that if t...
by pkcrafter
Sun Aug 23, 2015 11:06 pm
Forum: Investing - Theory, News & General
Topic: Buy, Hold, Sell
Replies: 14
Views: 1878

Re: Buy, Hold, Sell

I'm sorry, I don't understand the difference between "hold" and "stay the course. Could you explain to me what you see as the difference? Nominally, they would seem to be the same. But by the way it's described, "hold" seems to be a euphemism for "sell." Hold mean...
by pkcrafter
Sun Aug 23, 2015 10:41 pm
Forum: Investing - Theory, News & General
Topic: "FEAR" Is Here,...
Replies: 53
Views: 6480

Re: "FEAR" Is Here,...

SeeMoe wrote: Fear can become all consuming unless one decides to become a " Contrarian" and , beside holding firm, begin shopping for cheap investment products(funds) on The Street . One does not have to be a contrarian, one just has to stay the course and hold. As for The Street, what co...
by pkcrafter
Sun Aug 23, 2015 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone invest with Solarcity Bonds?
Replies: 4
Views: 319

Re: Anyone invest with Solarcity Bonds?

Did someone recommend these bonds to you?

Here's an article on these bonds. Basically a bad idea.

http://www.quora.com/How-good-or-bad-an ... olar-Bonds


Paul
by pkcrafter
Sun Aug 23, 2015 3:17 pm
Forum: Investing - Theory, News & General
Topic: Guide to Stock Market Corrections
Replies: 9
Views: 2011

Guide to Stock Market Corrections

A 2013 article by Josh Brown on stock market behavior.

http://www.ritholtz.com/blog/2013/12/gu ... rrections/

Paul
by pkcrafter
Sun Aug 23, 2015 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: Moving From Money Market to Stocks and Bonds
Replies: 6
Views: 941

Re: Moving From Money Market to Stocks and Bonds

physiorol, what you are really doing is a sideways move, with a a few weeks interruption. Yes, we may go farther down, and if it weren't for the move, you would ride that out. Don't confuse your situation with dollar cost averaging. DCA is a strategy for new money. If you do that it's basically timi...
by pkcrafter
Sun Aug 23, 2015 9:26 am
Forum: Investing - Help with Personal Investments
Topic: 800K Cash Part 3
Replies: 17
Views: 2154

Re: 800K Cash Part 3

The research I did and advice I got on previous posts led me to decide a 40/60 AA in my IRA. I'm 62 and retired. I have everything moved around so I can do CD's, TB, TS. I'm not a market timer and never have been. But based on what the market did this week, I think I should give some though to how ...
by pkcrafter
Sat Aug 22, 2015 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: Fund of Fund Questions
Replies: 4
Views: 512

Re: Fund of Fund Questions

Yes, the LS and TR fund rebalance daily.

Paul
by pkcrafter
Sat Aug 22, 2015 12:48 pm
Forum: Investing - Theory, News & General
Topic: Where are you in the cycle of market emotions?
Replies: 63
Views: 5088

Re: Where are you in the cycle of market emotions?

A few posters have used the word annoyance. Annoyance : irritation, exasperation, vexation, indignation, anger, displeasure, chagrin; informal aggravation. The cycle in the OP does not show annoyance, but I think it would be close to anxiety. Anxiety : a feeling of worry, nervousness, or unease, typ...
by pkcrafter
Sat Aug 22, 2015 7:25 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA losing value....should I exchange?
Replies: 36
Views: 3003

Re: Roth IRA losing value....should I exchange?

drake1, here is the portfolio you listed in your first post: Taxable 75% of this is sitting in a low interest rate savings account. As mentioned, I plan on using this to purchase a home 5% in a 5-year CD that is maturing this mid August at a very low int% My 401k from previous employer at Merrill Ly...
by pkcrafter
Fri Aug 21, 2015 11:42 am
Forum: Investing - Theory, News & General
Topic: "Stocks for the Long Run? Really?
Replies: 29
Views: 4497

Re: "Stocks for the Long Run? Really?

Thanks Taylor, "If you are a long-term investor, you must understand and be willing to accept that stocks can underperform bonds for two decades or longer." Of course, this is just one of the reasons why investors should not be 100% in stocks or any other asset class. No backtesting data i...
by pkcrafter
Fri Aug 21, 2015 8:16 am
Forum: Investing - Help with Personal Investments
Topic: BAM Alliance
Replies: 17
Views: 1358

Re: BAM Alliance

Nancy wrote: she definitely sounds like a Boglehead! Our philosophies line up and it's not a situation where I hand her money and she get's her 1% out of it and I have no idea what she's doing or why. Would you mind clarifying this a bit. Do you mean she is not going to take assets under management,...
by pkcrafter
Thu Aug 20, 2015 10:38 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing: Investing with friend
Replies: 56
Views: 2162

Re: New to investing: Investing with friend

Good decision. Better to keep your friend than to have money issues ruin the friendship.

Paul
by pkcrafter
Thu Aug 20, 2015 10:11 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing: Investing with friend
Replies: 56
Views: 2162

Re: New to investing: Investing with friend

AU1214, I would guess that the initial investment with your friend would be in front-loaded (A class) mutual funds. Maybe American funds? These are popular funds that have a commission of 5.75% that is extracted before your money is invested, so you end up with less invested that you planned. It the...
by pkcrafter
Thu Aug 20, 2015 9:17 am
Forum: Investing - Theory, News & General
Topic: The Risk Quandary
Replies: 29
Views: 2390

Re: The Risk Quandary

Grayfox, as long as we are throwing out the "r" word, let's also get rid of expected return. I've come to very much disliking that term.

Paul
by pkcrafter
Thu Aug 20, 2015 9:04 am
Forum: Investing - Theory, News & General
Topic: Range of Outcomes for Different Stock/Bond Allocations
Replies: 17
Views: 1553

Re: Range of Outcomes for Different Stock/Bond Allocations

Here is another chart you should look at.

John Norstad: Risk and Tme. See chart at bottom of article.

http://www.norstad.org/finance/risk-and-time.html

Be careful with data, your performance may vary.

Paul
by pkcrafter
Wed Aug 19, 2015 9:13 pm
Forum: Investing - Help with Personal Investments
Topic: Help 2 grow 90k invest fairly fast
Replies: 89
Views: 5772

Re: Help 2 grow 90k invest fairly fast

Banks are not good places for investments either.

Paul
by pkcrafter
Wed Aug 19, 2015 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: Help 2 grow 90k invest fairly fast
Replies: 89
Views: 5772

Re: Help 2 grow 90k invest fairly fast

3kats, I was posting at the time you made your last reply. Please go back and look at that post.

Paul
by pkcrafter
Wed Aug 19, 2015 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: Help 2 grow 90k invest fairly fast
Replies: 89
Views: 5772

Re: Help 2 grow 90k invest fairly fast

3kats wrote: The subject said"fairly fast" meant "grow" so I can leave my wife some security. I have no life insurance anymore as the term became prohibitive 5 years ago. The lifetime medical is huge as I have had 3 back surgeries and most likely will need fusion soon. Won't get...
by pkcrafter
Wed Aug 19, 2015 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions for picking 401k funds from a bad plan
Replies: 34
Views: 1632

Re: Suggestions for picking 401k funds from a bad plan

slowlrnr wrote: Management is not interested in investing in 401k they say and hence are least bothered about what is going on in that plan Well, isn't that nice. Almost sounds like they were offered some better plan and employees are getting a bent penny. Are you in a government related business, c...
by pkcrafter
Wed Aug 19, 2015 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions for picking 401k funds from a bad plan
Replies: 34
Views: 1632

Re: Suggestions for picking 401k funds from a bad plan

slowlrnr, I might have missed this, but do you get a company match? Is this a small company? Is your plan supposed to be ERISA compliant? That is a very important question. If you don't know, please find out. It looks like they may have tried to make it look compliant by adding an "index" ...

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