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Re: Help with 401k choices

Your bond choices are not the best. I would check the expenses ratios of Dodge and Cox income and the T.Rowe price 2010 fund and go with the cheaper one. the latter will provide some international exposure and about 40% of the investment in bonds These funds are an additional to the vanguard funds n...
by sometimesinvestor
Wed Jul 30, 2014 10:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with 401k choices
Replies: 5
Views: 206

Re: Where would you put 30k for a 70 yo first time investor?

Unfortunately we don't really know this persons risk tolerance as bear markets have a tendency to lead aggressive investors in to an all cash position. One possibility not yet suggested is to determine how old are those he expects to inherit and invest in an appropriate target retirement fund.That w...
by sometimesinvestor
Sun Jul 27, 2014 7:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Where would you put 30k for a 70 yo first time investor?
Replies: 13
Views: 1435

Re: Should I convert my IRA?

I think in the 15% bracket you should be all Roth all the time/ When you end up in the 25% bracket its a tossup / Above that traditional startslooking good
by sometimesinvestor
Sat Jun 21, 2014 11:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I convert my IRA?
Replies: 10
Views: 989

Re: Make sense? Add more to wife's 457 and take SS

Its surely correct if your wife can earn 8% on her additional investment (because delaying SS each year after 66 increases the payout by 8% the following year.8% is of course likely to be a relatively good return that most of us would be glad to take.If you can't earn 8% things like how long your wi...
by sometimesinvestor
Sat Jun 21, 2014 5:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Make sense? Add more to wife's 457 and take SS
Replies: 4
Views: 289

Re: what to do about bond investing if worried

Sorry but i don't understand the critical comments. It seemed clear to me the author did not advocate these funds but was advocating individual bonds.
by sometimesinvestor
Thu Jun 19, 2014 9:45 am
 
Forum: Investing - Theory, News & General
Topic: what to do about bond investing if worried
Replies: 15
Views: 1132

what to do about bond investing if worried

http://www.investmentnews.com/article/2 ... e=printart

not exactly a new approach but perhaps worth doing if you have enough capital to diversify (probably at least 25k allocated to fixed income
by sometimesinvestor
Thu Jun 19, 2014 9:19 am
 
Forum: Investing - Theory, News & General
Topic: what to do about bond investing if worried
Replies: 15
Views: 1132

Re: Should international travel impact your investments?

This thread was not what I expected. To answer the subject of the thread it would seem that if you do lots of travel in other countries you want to hedge your currency exposure perhaps by investing more in other countries.
by sometimesinvestor
Tue Jun 17, 2014 3:19 pm
 
Forum: Investing - Theory, News & General
Topic: Should international travel impact your investments?
Replies: 30
Views: 1875

Re: White coat investor: you're not as rich as you think you

As the OP knows the important thing is to get the crop report in advance and avoid investing with the Dukes.
by sometimesinvestor
Mon Jun 16, 2014 7:07 pm
 
Forum: Investing - Theory, News & General
Topic: White coat investor: you're not as rich as you think you are
Replies: 21
Views: 4877

Re: Email service alternatives to MSN hotmail and Gmail?

no prestige but you can always go to aol.com and open an aol account .no charge if you don't use dial up and i bet you don't.decent spam filter(you use words you want to block like Viagra and probably $ and even decent website
by sometimesinvestor
Sun Jun 15, 2014 8:16 pm
 
Forum: Personal Consumer Issues
Topic: Email service alternatives to MSN hotmail and Gmail?
Replies: 22
Views: 1991

Re: Do I include this in my portfolio? When do I sell?

Certainly I know nothing about the company or its prospects. Are the shares listed on any exchange , the "pink sheets" etc? Without knowledge I would go with general principles which would be take out sell $37000= your original loan including 3 years at 7%. Once that has been done the tran...
by sometimesinvestor
Mon Jun 09, 2014 3:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I include this in my portfolio? When do I sell?
Replies: 6
Views: 537

Re: What does this mean? [investing terms and concepts]

I think you got very good answers to your questions except perhaps for 6 and 9. For 9 I think this is better answer though you may have little trouble following. https://www.fidelity.com/learning-center/investment-products/etf/etfs-tax-efficiency As to 6 the issue is controversial and it may be just...
by sometimesinvestor
Sun Jun 08, 2014 4:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: What does this mean? [investing terms and concepts]
Replies: 14
Views: 1106

why isn't thisbetter than indexing.

[New thread on same topic merged here - admin alex]

A somewhat mathematical explanation would be most helpful. but plain English would be fine

http://online.wsj.com/articles/a-random ... #printMode
by sometimesinvestor
Sat Jun 07, 2014 5:55 pm
 
Forum: Investing - Theory, News & General
Topic: WSJ - A Random Way To Get Rich
Replies: 22
Views: 2934

Re: Who are the Bogleheads.org heavyweights?

As a borderline INFP INTP this discussion of INTJs helps me understand why I often find that many on this board are so often critical of others.(most of those are not "the heavyweights " who are often just helpful and not critical
by sometimesinvestor
Sat Jun 07, 2014 5:21 pm
 
Forum: Forum Issues and Administration
Topic: Who are the Bogleheads.org heavyweights?
Replies: 127
Views: 8889

How active mangers are responding to index popularity

certainly;y some of the more successful active funds are going the concentrated route. clearly higher risk possibly higher reward

http://www.reuters.com/assets/print?aid ... 6Y20140604
by sometimesinvestor
Thu Jun 05, 2014 3:34 pm
 
Forum: Investing - Theory, News & General
Topic: How active mangers are responding to index popularity
Replies: 7
Views: 1095

Re: Social Security at 66 vs. 70: A Bird in the Hand?

I assume that on this site somewhere is an estimate of how often a 50-50 bond-equity portfolio beat 1% real over a 15 year period. I would guess outside 1965-80 and similar years 66-81 and perhaps 67-82 and 68-83 it was very likely That would seem to argue that in most cases early was a good idea. i...
by sometimesinvestor
Mon Jun 02, 2014 6:35 pm
 
Forum: Investing - Theory, News & General
Topic: Social Security at 66 vs. 70: A Bird in the Hand?
Replies: 54
Views: 4051

Re: Social Security at 66 vs. 70: A Bird in the Hand?

I assume that on this site somewhere is an estimate of how often a 50-50 bond-equity portfolio beat 1% real over a 15 year period. I would guess outside 1965-80 and similar years 66-81 and perhaps 67-82 and 68-83 it was very likely That would seem to argue that in most cases early was a good idea. i...
by sometimesinvestor
Mon Jun 02, 2014 6:35 pm
 
Forum: Investing - Theory, News & General
Topic: Social Security at 66 vs. 70: A Bird in the Hand?
Replies: 54
Views: 4051

Re: Considering "horse race" Roth conversion

U will leave the tiebreaker to someone more knowledgeable then me but I have had the impression that a person with a HIGH federal and state tax bracket should not go fora Roth except for diversification against changes in the tax law so i would not open a Roth but once you retire doa reasonable amou...
by sometimesinvestor
Wed May 28, 2014 7:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Considering "horse race" Roth conversion
Replies: 7
Views: 998

Re: Considering "horse race" Roth conversion

U will leave the tiebreaker to someone more knowledgeable then me but I have had the impression that a person with a HIGH federal and state tax bracket should not go fora Roth except for diversification against changes in the tax law so i would not open a Roth but once you retire doa reasonable amou...
by sometimesinvestor
Wed May 28, 2014 7:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Considering "horse race" Roth conversion
Replies: 7
Views: 998

Re: Term vs Permanent Life Insurance

In my state you can't purchase term insurance after 70 .. Why? Very few, if any, insurance companies write term policies for elderly customers. Term has a low (2%) expectation of going to claim and all the models insurance companies use are based on that. Ok as long as its not a legal/regulatory is...
by sometimesinvestor
Thu May 22, 2014 9:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term vs Permanent Life Insurance
Replies: 22
Views: 1249

Re: Losing money during the rebalancing day?

I would avoid days when the Federal Reserve is scheduled to make an announcement , release minutes, appear before congress etc. Other than that big drops or jumps in the afternoon are hard to predict and of course such days with high volatility could work for you or against you.
by sometimesinvestor
Wed May 21, 2014 9:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Losing money during the rebalancing day?
Replies: 13
Views: 1147

Re: Losing money during the rebalancing day?

I would avoid doing this on days when the Federal reserve is scheduled to make an announcement or release minutes. Other than that big days with big swings between morning and afternoon are more random.
by sometimesinvestor
Wed May 21, 2014 9:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Losing money during the rebalancing day?
Replies: 13
Views: 1147

Re: Term vs Permanent Life Insurance

In my state you can't purchase term insurance after 70 . For me that's a potential issue but it is not likely to be for you.The usual plan for most people is that you buy term, invest in part using money you are saving by buying term instead of permanent insurance and amass a collection of assets la...
by sometimesinvestor
Wed May 21, 2014 8:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term vs Permanent Life Insurance
Replies: 22
Views: 1249

Re: What if the market doesn't recover for a long period?

Dollar cost averaging (and re-investing dividends) is the answer. Unless you're using the non standard definition of DCA then it's unlikely to help except by coincidence as the common period of distributing lump sums over a approximately a year is unlikely to avoid something like the situation in J...
by sometimesinvestor
Fri May 16, 2014 9:59 am
 
Forum: Investing - Theory, News & General
Topic: What if the market doesn't recover for a long period?
Replies: 40
Views: 5638

Re: Retirement Portfolio Advice

Find out what the true capital gains situation is with the funds you don't want so you can run some scenarios for moving them into what you do want. In response to the OPs question: If you sold all you wanted to the tax rate on 15k would probably be around $2250 (15%)unless the 15k would change you...
by sometimesinvestor
Sat Apr 19, 2014 3:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Portfolio Advice
Replies: 7
Views: 1144

Re: Thoughts: Buy Muni's for an IRA?

the only muni bonds that might make sense to hold in an ira at this time would be ones with substantial prospects for capital gains. Yes , I am talking about Puerto Rico and/or Detroit but these investments are high risk high reward and it is unlikely you know more about their proospects than the pe...
by sometimesinvestor
Fri Apr 18, 2014 10:29 pm
 
Forum: Investing - Theory, News & General
Topic: Thoughts: Buy Muni's for an IRA?
Replies: 4
Views: 549

Re: Retirement Portfolio Advice

agree with most of Nedsaid 's comments though I think he was a bit too kind on your IRA's . In my opinion they should contain more bonds to accomodate your correct sale of the bond funds in your taxable accounts and exchange into a stock fund with low capital gain distributions such as a total marke...
by sometimesinvestor
Fri Apr 18, 2014 10:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Portfolio Advice
Replies: 7
Views: 1144

Re: Book for 20 Year Old Beginner

I like "the only investment guide you will ever need" by Andrew Tobias though it is not Truly Boglehead
by sometimesinvestor
Fri Apr 18, 2014 9:59 pm
 
Forum: Investing - Theory, News & General
Topic: Book for 20 Year Old Beginner
Replies: 16
Views: 1374

Re: Investing in NYS Pension Fund

If you are in Tier 2 it is unlikely that you are eligible or that it is a good idea(its really for what NYrefers to as Management/confidentional people and is particularly good for those people who do not expect to wokk for the state for long(political appointees for example. Look at the first sente...
by sometimesinvestor
Fri Apr 04, 2014 10:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in NYS Pension Fund
Replies: 3
Views: 368

Re: Problem With New VCR Tapes

I buy vcr blank tapes at the supermarket though they area little expensive 2.99 I try to buy every few weeks to help ensure the market continues to stock the. They are easier to share with a friend.
by sometimesinvestor
Wed Apr 02, 2014 4:00 pm
 
Forum: Personal Consumer Issues
Topic: Problem With New VCR Tapes
Replies: 28
Views: 2857

vanguard and coffee

I wonder which of the flavors is best and is vanguard losing money on each transaction(but making it up on volume)?
http://www.bizjournals.com/baltimore/ne ... ml?s=print
by sometimesinvestor
Wed Apr 02, 2014 3:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: vanguard and coffee
Replies: 4
Views: 1170

Re: 401k Allocation help with Fidelity (23 year old)

No one knows whow the stock market will do . However stocks have gone up over a five year period and very rarely go up for seven consecutive or longer years. I think that means 100% to stocks would be imprudent. If you do decide to go for 100% I would suggest an increase in contributions once the ma...
by sometimesinvestor
Sun Mar 30, 2014 3:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Allocation help with Fidelity (23 year old)
Replies: 47
Views: 2164

Re: Pay property taxes in Dec or Jan?

Remember to bunch any other deductible expenditures that you can. Jeff Yes as this thread shows Charitable deductions are the easiest thing to bunch, Another possibility may be that if you are in a state with high taxes then in a year you want to take the standard deduction underwithhold slightly/so...
by sometimesinvestor
Sun Mar 30, 2014 3:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay property taxes in Dec or Jan?
Replies: 29
Views: 1483

ETFs and expense ratios.(possibly not critical data

http://www.etf.com/sections/blog/21657- ... =1&start=2

Trouble with article is its not so helpful at telling what is important thats easy to find out about
by sometimesinvestor
Sun Mar 30, 2014 12:27 pm
 
Forum: Investing - Theory, News & General
Topic: ETFs and expense ratios.(possibly not critical data
Replies: 3
Views: 288

Re: Where to put money in 401(K)

Others will ask for expense ratios. Given your choices I will just go with Vanguard funds and suggest a slightly conservative 80% Vanguard target 2055 which is roughly 90% stocks and will be so for a few years with a risk reduction by putting 20% using the vanguard short term bond fund that has mini...
by sometimesinvestor
Thu Mar 27, 2014 10:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Where to put money in 401(K)
Replies: 4
Views: 680

Re: NJ State Tax

I think if you are using the software you are correct. Put in the larger number and see how big your state tax refund is.If its very large for example) it may be right to go for sales tax. Things like AMT also matter. The good news is that after you change the one number the software will do the wor...
by sometimesinvestor
Sat Mar 22, 2014 9:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: NJ State Tax
Replies: 2
Views: 412

Re: Wife's Retirement Portfolio

What funds are available? Other info also needed
by sometimesinvestor
Sat Mar 22, 2014 9:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wife's Retirement Portfolio
Replies: 5
Views: 690

well off living paycheck to paycheck

http://www.washingtonpost.com/blogs/won ... r/?hpid=z4

The author suggestsa stimulus program to help these people but I would rather spend money on educating the next generation of the non-financially skilled
by sometimesinvestor
Sat Mar 22, 2014 2:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: well off living paycheck to paycheck
Replies: 16
Views: 2629

Re: Help me settle a debate -- Risk in Retirement

You ought to be reasonably happy so if another 2008 came along how unhappy would you be as stocks went down .If you stayed the course in 08 then I would go with whatever asset allocation you had then . In the words of Rick Nelson ," You can't please everyone so you've got to please yourself.
by sometimesinvestor
Fri Mar 21, 2014 10:03 pm
 
Forum: Investing - Theory, News & General
Topic: Help me settle a debate -- Risk in Retirement
Replies: 61
Views: 4614

Re: Thoughts On Pre-Paid College Plans

Over the years states have losta lot of taxpayer money on these plans as college costs rose more than projected) but it has worked out well for the buyers
by sometimesinvestor
Thu Mar 20, 2014 10:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts On Pre-Paid College Plans
Replies: 28
Views: 2072

Bogleheads hopefully too smart for this scam

[Thread merged into here --admin LadyGeek] http://www.washingtonpost.com/politics/federal_government/irs-watchdog-warns-of-largest-scam-of-its-kind-with-phone-scheme/2014/03/20/ec03e17e-b06f-11e3-a49e-76adc9210f19_story.html?tid=hpModule_14fd66a0-9199-11e2-bdea-e32ad90da239&hpid=z14 Be careful ...
by sometimesinvestor
Thu Mar 20, 2014 10:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Alert. Scam with callers posing as IRS agents...
Replies: 29
Views: 2218

Re: I don't want to upgrade XP just yet, is that ok?

This brief quote from infoworld might be of interest : And Mozilla is committed to making Firefox versions for Windows XP after Microsoft pulls the plug on XP support. XP yes, Metro no. Vox populi. Remarkably, according to the latest user database figures from antivirus company Avast, 46 percent of ...
by sometimesinvestor
Wed Mar 19, 2014 9:44 am
 
Forum: Personal Consumer Issues
Topic: I don't want to upgrade XP just yet, is that ok?
Replies: 86
Views: 7140

Re: Living with Windows XP

quoting from infoworld as people with xp might find relevant And Mozilla is committed to making Firefox versions for Windows XP after Microsoft pulls the plug on XP support. XP yes, Metro no. Vox populi. Remarkably, according to the latest user database figures from antivirus company Avast, 46 perce...
by sometimesinvestor
Wed Mar 19, 2014 9:40 am
 
Forum: Personal Consumer Issues
Topic: Living with Windows XP
Replies: 3
Views: 294

Re: Healthcare Fund VGHAX or Energy Fund VGELX

I do believe in the future of healthcare for about 15 more years (Till Baby boomers start to die in big numbers)but that just means I am overweight in healthcare not entirely invested in that sector I have about 4- 5% of my investment in stock funds in a health care fund. and could imagine a slightl...
by sometimesinvestor
Tue Mar 18, 2014 12:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Healthcare Fund-VGHAX or Energy Fund-VGELX
Replies: 22
Views: 1661

Re: Roth or traditional 401(k): what would you choose?

I join the crowd on traditional 401k but as suggested opening a Roth IRA in addition is certainly a fine idea as a hedge against a different tax structure in the future. The correct decision may change if you get married ., move to another state etc. It really is mostly a tax bracket thing. The obvi...
by sometimesinvestor
Mon Mar 17, 2014 9:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth or traditional 401(k): what would you choose?
Replies: 11
Views: 752

Re: anyone own DBLUX?

Bogleheads tend to prefer index funds with a low expense ratio to this actively managed fund. Gundlach is a respected manger with a good record and he has outperformed the index in part by making riskier investments like junk Bonds. Morningstar rates it highly. In the future it might do well or it m...
by sometimesinvestor
Sat Mar 15, 2014 9:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Anyone own DoubleLine Total Return (DBLTX)?]
Replies: 9
Views: 664

Re: Portfolio review for semi-retired 60-year-old

Check back when you are 66 or sooner if you stop consulting and find yourself in a low tax bracket. It may be appropriate to do a partial Roth conversion of perhaps 3% of your holdings each year . The intent would so that your RMD at 70.5 would be lower and you could stay in a lower tax bracket If y...
by sometimesinvestor
Sat Mar 15, 2014 8:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review for semi-retired 60-year-old
Replies: 10
Views: 1205

Re: How to regard Pension in AA

There are lots of threads on this subject (sometimes using social security and sometimes pensions and sometimes both. It was in fact the subject of my first question on this site. Your question isa little bit different because you havea lump sum option avilable. Midareff has given you close to the c...
by sometimesinvestor
Sat Mar 15, 2014 3:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to regard Pension in AA
Replies: 7
Views: 717

Re: How many Bogleheads are Wishy Washy?

Using the OP definition I may be wishy washy but that is not the term I use to describe my approach. For example I have been overweight healthcare for over 20 years and obviously have no regrets.I have also made other investment decisions for which I do have regrets but seemed the right thing to do ...
by sometimesinvestor
Wed Mar 12, 2014 7:57 pm
 
Forum: Investing - Theory, News & General
Topic: How many Bogleheads are Wishy Washy?
Replies: 44
Views: 4505

Re: 26 year old annual check up

NY is an expensive plave to live.I hope you get a significant raise or an improved chance for a higher paying job. Also most likely you should make an i bond purchase befoire May 1. Its not grear but current I bonds for the first time in a long time beat inflation and that may not be true after May 1n
by sometimesinvestor
Wed Mar 12, 2014 11:55 am
 
Forum: Investing - Help with Personal Investments
Topic: 26 year old annual check up
Replies: 8
Views: 1328
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