Search found 975 matches

by sometimesinvestor
Wed Jul 22, 2015 8:37 pm
Forum: Personal Consumer Issues
Topic: Greatest money lesson movie
Replies: 63
Views: 5421

Re: Greatest money lesson movie

Man with a million starring Gregory peck from the mid 50s . Like trading Places but based on a story by Mark Twain Two guys make a bet about what will happen to Gregory Peck if he is given a million pound (currency not weight)note. It sometimes shows up on TCM but I doubt its available elsewhere
by sometimesinvestor
Thu Jul 16, 2015 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: Total Stock Market vs. Vanguard Dividend Growth
Replies: 15
Views: 1847

Re: Total Stock Market vs. Vanguard Dividend Growth

Here is a different quote (from Peter Lynch's book beating the street) "The reason that stocks do better than bonds is not hard to fathom. As companies grow larger and more profitable, their stockholders share in the increased profits. The dividends are raised. The dividend is such an important...
by sometimesinvestor
Thu Jul 09, 2015 8:26 pm
Forum: Personal Consumer Issues
Topic: Visiting New York in early November
Replies: 28
Views: 2271

Re: Visiting New York in early November

The Tkts booth isa great idea but I understand there is a new app if you have a smart phone I think that might get you the tickets without waiting on line . Apparently you pick up the tickets at the show(within 30 minutes of the show) you are going to from a guy (or gal ) wearing a distinctive outfi...
by sometimesinvestor
Tue Jul 07, 2015 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to invest in OIL
Replies: 58
Views: 3695

Re: Oxymoron ?

I am not trying to time the market but the price seems right to invest. Isn't this an oxymoron ? :wink: Best wishes. Taylor[/quote No Taylor, timing the market means you think the time is right. Value investing is when you think the price is right,I believe on this site timing the market is bad but...
by sometimesinvestor
Tue Jun 30, 2015 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Help! Elderly father got snookered.
Replies: 36
Views: 6344

Re: Help! Elderly father got snookered.

Agree with "not who you think At least tell us what funds he is invested in and Dad's approximate age.Franklin Funds may not be the best but they are not necessarily inappropriate and if in a taxable account it could easily be correct for him to hold them fora year if there are meaningful gains.,
by sometimesinvestor
Thu Jun 25, 2015 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: Stable value as alternative to bond exposure?
Replies: 7
Views: 1183

Re: Stable value as alternative to bond exposure?

HurdyGurdy wrote:3.25% sounds like a good deal.

Wiki has an article:
http://www.bogleheads.org/wiki/Stable_value_fund


I disagree in that i think its a great deal in the current investment climate.
by sometimesinvestor
Thu Jun 25, 2015 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: Opinion on my 401k choices and retirement planning
Replies: 9
Views: 1055

Re: Opinion on my 401k choices and retirement planning

I really don't understand the merits of the Post tax 401k . It seems to be roughly like a deductible IRA but less suitable for a Roth conversion. I think it would be better to be in a taxable fund that generates little taxable income like a total market fund plus perhaps a tax free bond fund. At lea...
by sometimesinvestor
Tue Jun 23, 2015 11:11 pm
Forum: Investing - Help with Personal Investments
Topic: When is a Roth 401k the Better Option?
Replies: 27
Views: 1939

Re: When is a Roth 401k the Better Option?

The savers credit if you are eligible is an interesting thought but if it does not apply the decision seems clear cut as noted by most respondents. You should be/are in Roth . When you are making 60k or more it would probably be right to go to traditional. being married will affect the calculation a...
by sometimesinvestor
Fri Jun 19, 2015 6:08 pm
Forum: Investing - Theory, News & General
Topic: An out-of-sample look at the four best-performing funds 1972-2012
Replies: 24
Views: 4413

Re: An out-of-sample look at the four best-performing funds 1972-2012

I have actually owned three of the four funds for o er 20 years(not magellan ) so past performance obviously was relevant fora while and it was possible to pick these funds. By 2012 Acorn and Mutual shares were mostly load funds unless you were grandfathered so you probably you would not have invest...
by sometimesinvestor
Thu Jun 11, 2015 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing 401k: Morley Stable Fund?
Replies: 7
Views: 651

Re: Rebalancing 401k: Morley Stable Fund?

re stable income fund where the expense ratio is almost irrelevant. What is the Rate. If its 2:50 or higher(maybe even down to 2% keep some of it and combine it with a farther out Target fund .For Example 70% 2055 fund + 30% stable will give you slightly more than 60% in stocks but will perhaps be s...
by sometimesinvestor
Sun Jun 07, 2015 10:55 am
Forum: Investing - Help with Personal Investments
Topic: First 401k: Are My Fund Choices OK?
Replies: 10
Views: 933

Re: First 401k: Are My Fund Choices OK?

I say this to almost everyone who asks questions about fund selection in a 401k but check out the stable income fund. If the rate offered is over 2.25% I would allocate some of your bond allocation to that fund. I think you are overweight in large cap and should consider adding some small cap using ...
by sometimesinvestor
Sun Jun 07, 2015 10:44 am
Forum: Investing - Theory, News & General
Topic: Fidelity study identifies the most successful investors!
Replies: 34
Views: 4613

Re: Fidelity study identifies the most successful investors!

Yeah, but dead people have a high willingness to take risk. Even though they very, very limited income potential. Actually I am sure that there are at least twenty dead celebrities including some who were not very rich like Albert Einstein(You have probably seen his sweatshirt) whose estate each ye...
by sometimesinvestor
Sat Jun 06, 2015 8:20 am
Forum: Investing - Help with Personal Investments
Topic: One year since opening a 401k-Change fund allocations?
Replies: 7
Views: 629

Re: One year since opening a 401k-Change fund allocations?

While i hesitate to disagree with Ruralavalon who is very knowledgeable and in fact made quite good suggestions in this thread I would do something different. Basically i would take the 10-20% that people suggest investing in bonds and use that money to pay off the student loans.> My reasoning is th...
by sometimesinvestor
Thu Jun 04, 2015 9:38 am
Forum: Investing - Help with Personal Investments
Topic: We drank the Kool-Aid. Now what? [Portfolio Review/Advice Request]
Replies: 11
Views: 2298

Re: We drank the Kool-Aid. Now what? [Portfolio Review/Advice Request]

I am sure I have misunderstood but are you really in the 28% bracket if you can afford to invest 86k each year.Actually I am guessing that the 40k in taxable is not an annual contribution
by sometimesinvestor
Mon Jun 01, 2015 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Mess - Please Help To Get on Track
Replies: 16
Views: 1246

Re: Portfolio Mess - Please Help To Get on Track

Sell your individual stocks (which are not bad) over 3 years the tax bite should be minimal> Agree with the comment about not rolling over the 401ks into iIRAs because of the availability of backdoor option, What is the rate offered by the stable income fund It may be worth investing in
by sometimesinvestor
Mon Jun 01, 2015 7:00 pm
Forum: Investing - Theory, News & General
Topic: Are you middle class?
Replies: 21
Views: 2694

Re: Are you middle class?

Was I supposed to enter County and State ,I couldn't figure out how to do so
by sometimesinvestor
Mon Jun 01, 2015 6:52 pm
Forum: Personal Consumer Issues
Topic: East Coast trip with kids (NYC, Boston, Washington?)
Replies: 40
Views: 3980

Re: East Coast trip with kids (NYC, Boston, Washington?)

Nice to hear the trip went well . Next time you might want to consider NYC and Boston .IN NY the Museum of Natural History?Hayden Planetarium . Most kids love the Planetarium and the dinosaurs. The Bronx Zoo (a subway ride from Manhattan ) is also pretty impressive and If you go to The Tickets booth...
by sometimesinvestor
Mon Jun 01, 2015 6:30 pm
Forum: Personal Consumer Issues
Topic: Planning Las Vegas vacation with a couple of side trips
Replies: 16
Views: 1431

Re: Planning Las Vegas vacation with a couple of side trips

Consider the following trip. Leave Las Vegas in the morning and arrive in Zion in the afternoon. Stay overnight in the park perhaps attending a "rangers Campfire. You may have to make reservations to stay in the park in comfortable housing if you don't want to sleep in a tent By the way the eas...
by sometimesinvestor
Sat May 30, 2015 6:58 am
Forum: Investing - Theory, News & General
Topic: 25 Month CD at 2.27% at US Alliance Federal Credit Union
Replies: 15
Views: 2696

Re: 25 Month CD at 2.27% at US Alliance Federal Credit Union

Whats a chek report ? Googling was very very unhelpful basically all ads
by sometimesinvestor
Fri May 29, 2015 7:24 pm
Forum: Investing - Theory, News & General
Topic: Passive Investment options where Fidelity is clearly better than Vanguard ?
Replies: 7
Views: 1475

Re: Passive Investment options where Fidelity is clearly better than Vanguard

Fidelity has a better web site and some think better phone reps.
For some people the difference in expense ratio is worthwhile.
by sometimesinvestor
Fri May 29, 2015 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Adjustment Assisstance
Replies: 7
Views: 435

Re: Portfolio Adjustment Assisstance

I thought iceport's suggestions were good except for the one I don't agree with. Basically in my opinion (I am certainly not alone in this) until your portfolio(total is over 300k (married 600k combined with your spouse' s you want to take advantage of the foreign tax credit which suggests much of t...
by sometimesinvestor
Wed May 27, 2015 9:31 am
Forum: Investing - Help with Personal Investments
Topic: Regular or Roth 457?
Replies: 16
Views: 1021

Re: Regular or Roth 457?

28% is a somewhat close decision since there is a fair chance your bracket at retirement will be the same.Since you are in your 30s I suggest a Roth now.At some point in the future you may get a promotion or significant raise and at that point a traditional 401k would probably be equally or more app...
by sometimesinvestor
Wed May 27, 2015 9:19 am
Forum: Investing - Theory, News & General
Topic: suitability of Vanguard Target retirement funds
Replies: 16
Views: 2403

Re: suitability of Vanguard Target retirement funds

Thanks! Living in a small state like MN, it is easy to forget Muni bonds. There isn't a low-priced MN bond fund, and the extra cost of using a high-priced fund will cancel any tax savings. You might use TIPS for the bond holding in your taxable account; these bonds are exempt from state taxes, and ...
by sometimesinvestor
Mon May 25, 2015 4:05 pm
Forum: Personal Consumer Issues
Topic: old books and stamp collection
Replies: 4
Views: 468

Re: old books and stamp collection

AS suggested by previous comments the general rule on stamps is that if you spent a good deal of money on purchases you might a few or many stamps that are valuable.If you purchased things from the post office or never spent more than $10 on an item they probably have little value.
by sometimesinvestor
Mon May 25, 2015 1:00 pm
Forum: Investing - Theory, News & General
Topic: "Does Your Fund Manager Consistently Beat the Stock Market?"
Replies: 42
Views: 3752

Re: "Does Your Fund Manager Consistently Beat the Stock Market?"

Another voice for some investments in active management. You may indeed not pick a manager that will outperform but any sensible approach will not result in disaster.Taylor is absolutely right about past performance not being a great predictor or guarentee.. That should be a factor in picking a fund...
by sometimesinvestor
Sat May 23, 2015 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation with large holding in single stock
Replies: 34
Views: 2618

Re: Allocation with large holding in single stock

Work harder on trying to get them to at l;east sell the shares in the IRA. where they stepped up basis at death does not occur and there are no tax consequences to selling. If they are very aware of those facts and still want to do nothing I don't think you can win an argument so just hope it works ...
by sometimesinvestor
Fri May 22, 2015 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: New to site - Please comment and advise on my portfolio
Replies: 17
Views: 1962

Re: New to site - Please comment and advise on my portfolio

To me the obvious question is what is the interest rate on the stable value fund.The expense ratio for such funds is usually less important.If the stable value rate is 3% or more I would consider putting a big fraction of my bond allocation in that fund. I believe the current stable value fund is a...
by sometimesinvestor
Fri May 22, 2015 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review –New to site and I want your thoughts!
Replies: 10
Views: 1099

Re: Portfolio Review –New to site and I want your thoughts!

My initial question is what are the expense rations of the target retirement funds available in each of your 401k and IRA accounts.? In the good news case where they are low<.30 and hence appropriate for investment The reason I ask is that changing funds in a tax sheltered account has no tax consequ...
by sometimesinvestor
Wed May 20, 2015 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Managed Payout Fund
Replies: 16
Views: 2153

Re: Vanguard Managed Payout Fund

The record for these types of funds (several fund families have them) is poor You may have heard that past performance does not guarantee future performance but generally below average funds do continue to be below average
by sometimesinvestor
Wed May 20, 2015 12:43 pm
Forum: Investing - Theory, News & General
Topic: The Benefits of Active Management for Investors
Replies: 17
Views: 1572

Re: The Benefits of Active Management for Investors

Many authorities advocate international investments at this time.Whether they prove to be correct for a longish period of time> 1 year remains to be seen. In 2008 the indexes outperformed active management as a whole though the gap was narrower than usual in part because almost active mangers keep a...
by sometimesinvestor
Wed May 20, 2015 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: Any of these worth keeping?
Replies: 9
Views: 957

Re: Any of these worth keeping?

Is there an "international muni" version ("sovereign bonds"?)? I'd wager that there are, but I seriously doubt they would be free of US tax. US muni's are only tax free because the federal government wants to encourage people to invest in local governments. In theory, they could...
by sometimesinvestor
Tue May 19, 2015 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: Should I sell my company's stock and exchange it for an SP500 index fund?
Replies: 60
Views: 3987

Re: Should I sell my company's stock and exchange it for an SP500 index fund?

Agree with most of the comments especially those of Tyrion. If you think the company is wonderful and the stock promising sell 10% each year for the next three years. I think the 20% left might still be too high but you may know more about the company merit. 50% is just too imprudent. Even great com...
by sometimesinvestor
Sun May 17, 2015 12:00 pm
Forum: Investing - Theory, News & General
Topic: criteria for picking an active fund
Replies: 22
Views: 1612

criteria for picking an active fund

https://pyramis.fidelity.com/app/p/proxy?pipe=sharepointPipe&getDoc=Insights/US-Large-Cap-Equity-Can-Simple-Filters-Help-Investors_pyramis_leadership_series.pdf The article which might/would t be considered as self serving(study is funded by Fidelity)suggests that using two criteria to filter fu...
by sometimesinvestor
Sat May 16, 2015 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Forbes article by Wade Pfau: Improving Retirement Outcomes with Investments, Life Insurance, and Income Annuities
Replies: 42
Views: 4119

Re: Forbes article by Wade Pfau: Improving Retirement Outcomes with Investments, Life Insurance, and Income Annuities

I read the article though not the paper but taken as a whole these two sentences do not make sense to me . Perhaps the paper explains they can invest $14,281 per year in their 401(k) if they choose term life insurance, and they can invest $9,000 per year in their 401(k) if they choose whole life ins...
by sometimesinvestor
Sun May 10, 2015 2:22 pm
Forum: Investing - Theory, News & General
Topic: Best Time of Year to Rebalance Portfolio?
Replies: 54
Views: 4608

Re: Best Time of Year to Rebalance Portfolio?

To me a key factor is whether you have large investments in taxable accounts. Since the last few years are associated with good strong markets you probably have few tax loses to take, In this case minimize your taxable income by rebalancing in December by reinvesting stock distributions in bond fund...
by sometimesinvestor
Sat May 09, 2015 12:44 pm
Forum: Investing - Theory, News & General
Topic: Vanguard v. Fidelity
Replies: 28
Views: 3215

Re: Vanguard v. Fidelity

Agree with retiredjg. Keep at least some money in the G fund (treat it as if it were a bond investment for asset allocation purchases..
by sometimesinvestor
Sat May 09, 2015 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Question re high yield muni fund HYMB
Replies: 4
Views: 516

Re: Question re high yield muni fund HYMB

To some extent corporate and muni bonds in a given etf are overpriced because of the demand to put these bonds into the ETF. I think this is an area where you are better off with a low expense open end fund .
by sometimesinvestor
Mon May 04, 2015 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Looking for investment input (mid-40's, dual high income)
Replies: 21
Views: 2522

Re: Looking for 401k investment suggestions

While I don't love apple stock as an investment it currently pays a dividend of over 1.55 which is better than most bank accounts If there are any charity organizations to which you donate at least $1000 per year and you itemize I would contact them about donating perhaps some 10 shares each year. T...
by sometimesinvestor
Sun May 03, 2015 12:25 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 232
Views: 22269

Re: Forum software upgrade bug reports and change requests

appreciate the efforts. Today the site took a long time to load as did getting/loading to other articles by clicking on links. Is it a lot of people on site (Its sunday) or some bigger problem?
by sometimesinvestor
Sat May 02, 2015 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Planning - what details does the attorney need?
Replies: 13
Views: 1580

Re: Estate Planning - what details does the attorney need?

The executor needs to know but not the lawyer. At some point you need to prepare a "in the event of my death "document including accounts pass words etc. but that does not seem needed at the time of your will writing .Still knowing the size of the estate and the nature of the assets (do yo...
by sometimesinvestor
Sat May 02, 2015 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Deciding on an Executor
Replies: 9
Views: 739

Re: Deciding on an Executor

I agree with Nisiprius about geography .Being an executor is a lot of work and it maybe that one or both are not so interested.A discussion is probably worthwhile
by sometimesinvestor
Sat May 02, 2015 8:04 pm
Forum: Investing - Theory, News & General
Topic: Annuities: Bad in principle or practice?
Replies: 75
Views: 4563

Re: Annuities: Bad in principle or practice?

quote="555"]Could you please explain your reasoning and calculation a bit more? At current interest immediate fixed annuities are primarily insurance against living to long. For example I read that at age 70 you can get $2000 permonth (with nothing to your heirs if you die for $314,000. Cl...
by sometimesinvestor
Fri May 01, 2015 9:10 pm
Forum: Investing - Theory, News & General
Topic: Annuities: Bad in principle or practice?
Replies: 75
Views: 4563

Re: Annuities: Bad in principle or practice?

At current interest immediate fixed annuities are primarily insurance against living to long. For example I read that at age 70 you can get $2000 permonth (with nothing to your heirs if you die for $314,000. Clearly that has zero value unless you live 16+ years which is slightly more than median lif...
by sometimesinvestor
Sat Apr 25, 2015 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Help with VAL policy, UTMA accounts, and EE/E Savings Bonds
Replies: 10
Views: 952

Re: Input requested on unwinding accounts my parents opened

you can reregister the utma accounts to your own name which will not be a taxable event .However most here would suggest moving those funds to a vanguard index funds.It may be that the most sensible strategy is to sell them overa two oAs to the insurance policy again the best approach might be a 103...
by sometimesinvestor
Sat Apr 25, 2015 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: When to sell a mutual fund? [Also, when to buy?]
Replies: 15
Views: 1130

Re: When to sell a mutual fund?

The following advice could well be wrong but may help you think about the relevant issues.The peak demands on health care will occur in the mid to late 2020s ..After that baby boomers start to die in larger numbers and demand may be less.The market is aware of this fact and tries to outguess the fut...
by sometimesinvestor
Sat Apr 25, 2015 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: New to site - Please comment and advise on my portfolio
Replies: 17
Views: 1962

Re: New to site - Please comment and advise on my portfolio

To me the obvious question is what is the interest rate on the stable value fund.The expense ratio for such funds is usually less important.If the stable value rate is 3% or more I would consider putting a big fraction of my bond allocation in that fund.
by sometimesinvestor
Wed Apr 22, 2015 7:49 am
Forum: Investing - Help with Personal Investments
Topic: 26 year old asking advise on the next steps to take
Replies: 15
Views: 1287

Re: 26 year old asking advise on the next steps to take

One more fora portion (perhaps 10% in the G fund) It could also serve asa source of investing funds if in the future the market goes down say 20% which it surely will though no one ,even me , knows when,
by sometimesinvestor
Sun Apr 12, 2015 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: Best investment in a Taxable Account ?
Replies: 11
Views: 1467

Re: Best investment in a Taxable Account ?

Agree with the international fund but assuming this is your only international fund in taxable do not invest more than $160k if filing joint or 80k if filing single .. The reason is to keep your foreign tax credit less than $300 single or $600 joint. If you go over that figure you will have to use I...
by sometimesinvestor
Thu Apr 09, 2015 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help for 25 y/o please and thanks
Replies: 4
Views: 473

Re: Portfolio Help for 25 y/o please and thanks

II will join the crowd that says that in a 25% bracket a Roth is best. However are you really in the 25% bracket (Federal)? You indicate you live in NY. If that's NYC you probably pay another 7-9% in city and state taxes and if its some other location in NY you probably pay around 4-6% This suggests...

Go to advanced search