Search found 872 matches

Return to advanced search

Re: My husband's " WILL", $ left for me to live on....

It seems to me very important to estimate your future annual expenses if only because you can use those numbers to convince him he has not left you enough to be comfortable.Your husband sounds "thrifty" and is trying to save his money (for the kids) but I have no reason to think he does no...
by sometimesinvestor
Thu Aug 28, 2014 9:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 207
Views: 10941

Re: 100% stock AA-> At what age to add bonds?

T.Rowe Price which is more aggressive than Vanguard is 90-10 until 25 years to go and than gradually goes down (80-20) at 15 years.At current levels (stocks have gone up for 5 years) it is likely that sometime in the next few years the Dow will drop a few thousand points. At that point if you are a ...
by sometimesinvestor
Sun Aug 24, 2014 5:51 pm
 
Forum: Investing - Theory, News & General
Topic: 100% stock AA-> At what age to add bonds?
Replies: 58
Views: 3658

Re: new to forum

1.Some believe that small cap will do better in certain situations and so they purchase a larger share of their investments than small cap is part of the total market index. Similarly other people may want a larger share of large stocks than in the index. The latter view is more likely in poor marke...
by sometimesinvestor
Sat Aug 23, 2014 9:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: new to forum
Replies: 7
Views: 748

Re: Is it me, or are "collectibles" worthless in 2014?

At least he didn't collect stamps. We just tossed a whole bunch of "collectibles" that were coveted by my late grandmother. As my buddy says to me, "It will all get thrown out when you die." We are a throwaway society. Stamps are ok if you paid a good deal of money for them The ...
by sometimesinvestor
Sat Aug 23, 2014 9:29 pm
 
Forum: Personal Consumer Issues
Topic: Is it me, or are "collectibles" worthless in 2014?
Replies: 79
Views: 5997

Re: new to investing - please help with re-balancing retirem

What is the return on the Valic fixed interest/ If 2% or higher it might be a good choice fora portion of your bond funds.I also agree with Hoppy that the big switch is a little concerning. If you had hesitated to be in the market because of fear and you now see it has been doing well so want to go ...
by sometimesinvestor
Sat Aug 23, 2014 1:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: new to investing - please help with re-balancing retirement
Replies: 4
Views: 377

Re: Opinions on Webroot Security Anywhere

I actually pay for it. Its truly idiot proof.i.e there is almost nothing to do but schedule a scan plus scan whenever the mood strikes.Its updated in the cloud so you don't have to worry about updating.How good is it at detecting viruses? I am not really sure because I am careful about where I go bu...
by sometimesinvestor
Thu Aug 21, 2014 7:58 pm
 
Forum: Personal Consumer Issues
Topic: Opinions on Webroot Security Anywhere
Replies: 6
Views: 444

an interesting chart [Asset correlation matrix]

not completely sure what to do with this but perhaps the more knowledgeable can help

http://www.assetcorrelation.com/majors
by sometimesinvestor
Tue Aug 19, 2014 10:38 pm
 
Forum: Investing - Theory, News & General
Topic: an interesting chart [Asset correlation matrix]
Replies: 3
Views: 782

Re: WSJ: Is Your Portfolio Too Diversified?

Nisiprius wrote this and though I have great respect for his knowledge I think he was being unfair to the person from TRP or a similar person from Vanguard "wish I had a transcript of an NPR interview that was on the radio in late 2008. The interviewer was talking to a T. Rowe Price representat...
by sometimesinvestor
Sun Aug 17, 2014 4:45 pm
 
Forum: Investing - Theory, News & General
Topic: WSJ: Is Your Portfolio Too Diversified?
Replies: 23
Views: 3311

Re: Florida Retirement System Pension vs. Investment Option

To the extent you can save outside the 3% contribution the pension plan seems better because the existence of the cash flow associated with the pension means that you are less stressed regarding investment performance , can perhaps have a slightly more aggressive portfolio outside of the pension or ...
by sometimesinvestor
Sat Aug 16, 2014 3:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Florida Retirement System Pension vs. Investment Option
Replies: 8
Views: 704

Any thoughts on this study of active v passive

conclusion passive mostly wins but difference is often exaggerated
http://www.marketwatch.com/story/index- ... 2014-08-01

Perhaps it takes more than 15 years to insure for higher fees to dominate
by sometimesinvestor
Fri Aug 01, 2014 4:59 pm
 
Forum: Investing - Theory, News & General
Topic: Any thoughts on this study of active v passive
Replies: 6
Views: 748

Re: Huff Post: How Financially Literate Is the Investing Pub

I have other problems with question 5 as we know what happened to the cost of goods but many of us spend money on services. The fact that many here have problems with several of the questions makesme wonder how careful the quiz writers were.o
by sometimesinvestor
Fri Aug 01, 2014 7:53 am
 
Forum: Investing - Theory, News & General
Topic: Huff Post: How Financially Literate Is the Investing Public?
Replies: 52
Views: 4618

Re: Do any boggleheads invest in individual companies?

I am puzzled by the people who indicated that they purchased Bank OF america and Ford in 2009 and did not outperform the market ,I can only gather they were VERY unlucky with market timing
by sometimesinvestor
Thu Jul 31, 2014 6:28 pm
 
Forum: Investing - Theory, News & General
Topic: Do any boggleheads invest in individual companies?
Replies: 95
Views: 5760

another article on the vanguard suit

[Thread merged, see below. --admin LadyGeek]

http://www.philly.com/philly/blogs/inq- ... fG3jzFh.99

certainly hope vanguard wins or we will all pay.
by sometimesinvestor
Thu Jul 31, 2014 2:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 187
Views: 21088

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: 9
Views: 684

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: 1471

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: 991

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: 292

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: 1142

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: 1142

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: 1895

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: 4882

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: 2055

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: 540

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: 1122

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: 2964

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: 9166

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: 1097

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: 4132

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: 4132

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: 1002

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: 1002

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: 1275

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: 1186

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: 1186

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: 1275

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: 5727

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: 1161

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: 1161

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: 1393

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: 370

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: 2964

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: 1171

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: 2342

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: 1529

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: 688

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: 2635
Next

Return to advanced search