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Re: "I've had it" at work - how often

Age 58. Creative Director in advertising. Advertising has always been extremely stressful. It's a young man's (or woman's) game. Somehow I've survived it 'til my late 50's. But it doesn't help that the majority of my co-workers are in their 20s and 30s. Short story: I really, really dislike it at th...
by scylla
Mon Oct 20, 2014 3:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 120
Views: 9193

Targeted bond funds?

I've been reading more and more about "targeted bond funds," which, ostensibly, combine the best of bond mutual funds and bond ladders. I was wondering if people have any opinion of, or experience with, the subject. Are they worth considering, assuming the cost is low?
by scylla
Thu Aug 14, 2014 3:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Targeted bond funds?
Replies: 1
Views: 256

Made the $5 million club, but...

A few weeks ago, thanks to this long bull market plus many years of Boglehead living and investing, I finally made the $5 million-in-assets club. Of the total, approximately $660,000 is in an IRA and $420,000 is in a pension plan (which I haven't touched) that's currently earning 4% a year. I'm 50% ...
by scylla
Mon Jun 16, 2014 7:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Made the $5 million club, but...
Replies: 43
Views: 7221

An enviable problem?

After reading a prior post about the Two Comma Club, I decided to take stock of my own situation. I'm 57 years old in advertising, which makes me practically ancient. I worry consistently about "aging out." And, frankly, if I had to do it over again, I would have picked a more stable (and ...
by scylla
Mon Jan 28, 2013 12:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: An enviable problem?
Replies: 30
Views: 2725

Limited-term New York Muni Fund?

Hello all. Right now, I have a substantial amount of money in the Vanguard Long Term Tax Exempt Muni Fund. I'd like to "hedge my bets" by putting new investments in a New York Muni Fund with a shorter duration. However, Vanguard doesn't offer one. My two questions are: 1. Why doesn't VG of...
by scylla
Tue Jan 01, 2013 2:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Limited-term New York Muni Fund?
Replies: 5
Views: 423

Converting to individual bonds

Currently, I have a substantial amount of money in the New York Long Term Tax Exempt Fund. Living in New York, with its high taxes, and being in a high tax bracket (luckily, I guess) with few deductions to draw on, it's been a good way to go. However, with interest rates so low I expect that some ti...
by scylla
Sat Mar 17, 2012 10:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Converting to individual bonds
Replies: 5
Views: 345

Investing in a Natural Gas ETF

Now I'm quite conservative 99% of the time, but every now and then an "interesting" notion seems to arise. Here's one: I read the other day that the differential between the price of oil and natural gas is at or near record levels. To my admittedly amateur eye, and if reversion-to-the-mean...
by scylla
Tue Feb 28, 2012 7:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing in a Natural Gas ETF
Replies: 13
Views: 1033

Re: Knee replacement surgery

If you can find a doc at the Hospital for Special Surgery in New York City, that's where I'd go. Rated tops in Orthopedics. I had my hip done there four years ago. Went like clockwork. The bonus is, because the hospital is purely orthopedics, there are very few "sick" patients, which great...
by scylla
Thu Dec 15, 2011 7:12 pm
 
Forum: Personal Consumer Issues
Topic: Knee replacement surgery
Replies: 52
Views: 4147

3504PIR, thanks for the encouragement. As for kids, don't have any. I'm single with no dependents....except an elderly mom who may need a lot of care in the near future. Over the years, I've worked very hard in the corporate world (as I still do) and have been able to accumulate about $3.7 million. ...
by scylla
Thu Jul 21, 2011 8:50 am
 
Forum: Investing - Help with Personal Investments
Topic: How to eliminate my actively-managed funds?
Replies: 20
Views: 2132

Taylor, thanks for your thanks. I've been burned by "phantom" capital gains before in my active funds and would like to avoid that in the future. In answer to another poster, Dodge & Cox HAS underperformed for a while now. Their annual reports always sound so, well, logical, but the tr...
by scylla
Wed Jul 20, 2011 9:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to eliminate my actively-managed funds?
Replies: 20
Views: 2132

My funds

In answer to your questions: My actively-managed funds are Dodge & Cox Stock, Tweedy Browne Global and Vanguard Capital Opportunity. I had high hopes for all of them but, ultimately, none beat the indexes. Lesson learned. My income is 250K+. My total capital gains from all three funds is about 7...
by scylla
Tue Jul 19, 2011 9:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to eliminate my actively-managed funds?
Replies: 20
Views: 2132

How to eliminate my actively-managed funds?

I'm 55 years old and have investing for around 30 years. For way too long, I've kept a mix of index and actively-managed funds, mistakenly believing that the actively-managed funds would ultimately generate greater returns. Silly me. Even my much-admired (well, previously much-admired) Dodge & C...
by scylla
Mon Jul 18, 2011 10:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to eliminate my actively-managed funds?
Replies: 20
Views: 2132

Wow, some amazing analysis here. Thanks so much guys.

I'm surprised at the amount of negativity about buying individual bonds. And here I was thinking it would be the smartest way to go.

Now I have to sit and absorb Bob's post. Not sure if I need an espresso or a scotch for that one. :)
by scylla
Sun Apr 17, 2011 9:03 am
 
Forum: Investing - Help with Personal Investments
Topic: $1 million to invest. Muni fund or individual bonds?
Replies: 23
Views: 2613

To rrsosenkrotter

It's about a third or so of my money, to answer your question.
by scylla
Sun Apr 17, 2011 12:17 am
 
Forum: Investing - Help with Personal Investments
Topic: $1 million to invest. Muni fund or individual bonds?
Replies: 23
Views: 2613

Dale _G

The issue isn't the interest rate risk, it's the rather sizeable hit that New York state and local taxes take if I opt for the national muni funds. That's eliminated in a pure NY muni fund.
by scylla
Sun Apr 17, 2011 12:16 am
 
Forum: Investing - Help with Personal Investments
Topic: $1 million to invest. Muni fund or individual bonds?
Replies: 23
Views: 2613

$1 million to invest. Muni fund or individual bonds?

Hi all: I live in New York City, which means I face tax levels that border, I think, on absurdity. For the last number of years, I've kept my non-tax advantaged bond allocation split between two national tax-exempt bond funds: the VG Intermediate Term Tax Exempt Fund and the Limited-Term Tax Ex Fund...
by scylla
Sat Apr 16, 2011 11:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: $1 million to invest. Muni fund or individual bonds?
Replies: 23
Views: 2613

IRA and 401K -- can I do both this year?

I worked the first three months of this year on a freelane basis, and the remainder on staff at a company at which I contributed to the 401k.

Does anyone know if I can still contribute to an IRA as well for this year?

Thanks in advance.
by scylla
Wed Nov 25, 2009 3:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRA and 401K -- can I do both this year?
Replies: 3
Views: 707

Shorting Treasuries?

The other day, I read a piece somewhere (can't remember where) about new ETFs that enable you to short Treasuries. Given their current rates, which I gather to be virtually zero, it seems that shorting them would be a relative no- brainer. What am I missing?
by scylla
Sun Feb 08, 2009 7:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Shorting Treasuries?
Replies: 2
Views: 782

Why was my post about bonuses removed?

My post, entitled, "Is anyone else outraged," has disappeared. It garnered a lot of replies in just a few minutes. Does this site practice censorship? What is going on?
by scylla
Fri Nov 14, 2008 4:25 pm
 
Forum: Forum Issues and Administration
Topic: Why was my post about bonuses removed?
Replies: 4
Views: 2031

Desperately need tech help with VG site

Hi all. I'm experiencing a weird tech problem with the VG site that's become impossible to solve. When I access the Overview page and look over to the Asset Mix Chart, the pie chart appears, but not the percentage numbers next to it. I called VG tech assistance and they recommended uninstalling and ...
by scylla
Fri Sep 05, 2008 6:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Desperately need tech help with VG site
Replies: 1
Views: 946

iShares Small Value ETF vs. Vangaurd Small Value ETF

Is there a meaningful difference between the two? Is one more tax efficient than the other. Do they track different indexes? I assume the Vanguard version is lower cost, but would tax differences make up for that?
by scylla
Thu Jun 19, 2008 4:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: iShares Small Value ETF vs. Vangaurd Small Value ETF
Replies: 1
Views: 755

What gives with Dodge and Cox tax wise?

Over the last year or more, it seems as if the distributions from my Dodge and Cox stock fund have grown alarmingly large. I originally bought the fund because it was supposed to be a low turnover, relatively well tax managed option. Now? Yikes. The taxes are eviscerating me. I'm afraid that selling...
by scylla
Wed Jun 18, 2008 12:58 pm
 
Forum: Investing - Theory, News & General
Topic: What gives with Dodge and Cox tax wise?
Replies: 10
Views: 1983

Proper asset allocation for a 52-year old?

HI all. I have what I think is a relatively simple question that could use an answer. I'm 52 years old and, through diligent saving, low-cost living, and relatively Bogle-ish investing, have accumulated about $3.1 million in investable assets (in both retirement and non-retirement accounts), not cou...
by scylla
Fri Jan 11, 2008 11:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Proper asset allocation for a 52-year old?
Replies: 9
Views: 2703

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