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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: 879

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: 474

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: 879

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: 1027

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: 359

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: 22
Views: 1736

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: 1138

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: 1564

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: 1389

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: 275

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: 533

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: 408

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: 679

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: 2559

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: 4221

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: 1929

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: 1801

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: 6358

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: 279

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: 1410

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: 728

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: 632

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: 1135

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: 682

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: 4111

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: 1234

Re: How did you get through the market crash in 08-09

sunnywindy wrote: never suspected that all three of these companies could go to zero (or effectively zero) and I also thought because of their size or function in the economy, etc...this would somewhat protect their value (sort of a rancid fantasy on my part!). These 3 tickers are still drastically ...
by sometimesinvestor
Sun Mar 09, 2014 10:00 pm
 
Forum: Investing - Theory, News & General
Topic: How did you get through the market crash in 08-09
Replies: 104
Views: 5452

Re: Please Help with Math. Cap Gains, Div and Foreign Tax

Did you get a 1099. That would probably tell all and if adding all your taxable investments result in a foreign source income of less than $300, $600 joint, reporting the foreign tax credit is just entering one number. If the figures are higher you have to get involved in form 1116 which is not fun ...
by sometimesinvestor
Sun Mar 09, 2014 2:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please Help with Math. Cap Gains, Div and Foreign Tax
Replies: 19
Views: 957

Re: HUGE retirement decision.

Another possibility is to look at on of the options that pay you more (like no pension to the survivor)and see what value/coverage of 15 or 20 year term you can buy with the monthly difference between that and options that pay less.However make sure you are medically eligible before picking a full p...
by sometimesinvestor
Sun Mar 09, 2014 9:06 am
 
Forum: Personal Finance (Not Investing)
Topic: HUGE retirement decision.
Replies: 71
Views: 6005

Re: New York TImes/WSJ

Hi, thanks - can I ask how you view for free? after a few articles, they block me until I pay. thanks BFG The wsj is basically hopeless (almost) for best results there google articles with the exact title and use that link (sometimes that works) . As to the Times you get 20-30 articles per month yo...
by sometimesinvestor
Sun Mar 09, 2014 8:54 am
 
Forum: Personal Consumer Issues
Topic: New York TImes/WSJ [paper vs. online subscriptions]
Replies: 40
Views: 2122

Re: Ahh Missed It!

I like Dandy's advice with the added proviso that if the market goes to close to 1500 on the S+P put it all in to the asset allocation you think best . At your age anything from 60-40 stocks v.fixed to 80-20 is very sensible and if you are afraid you might sell at the bottom consider staying the cou...
by sometimesinvestor
Sun Mar 09, 2014 8:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Ahh Missed It! [market timing]
Replies: 20
Views: 2719

Re: How Many Funds Do You Have in Taxable?

A glance at the results suggests to me that an additional category created by having 5-9 and 10+ would be informative
by sometimesinvestor
Sat Mar 08, 2014 3:08 pm
 
Forum: Investing - Theory, News & General
Topic: How Many Funds Do You Have in Taxable?
Replies: 97
Views: 4900

Re: Gagging on Health Care Stocks?

If big market investors(like pension funds,hedge funds and mutual funds) think growth will be minimal they will overweight investments like healthcare and utilities that do well in slow growth economies. The latest data suggests growth will be more significant than had been expected encouraging a sh...
by sometimesinvestor
Sat Mar 08, 2014 3:04 pm
 
Forum: Investing - Theory, News & General
Topic: Gagging on Health Care Stocks?
Replies: 12
Views: 1714

Re: Bogleheads.org Home Page Updated

It is nicer looking and now that I know how to do what i want to do, I can do it but almost everything takes two clicks instead of one and the first click is often not obvious so I am not sure its more user friendly.. I agree with praise that Lady Geek has told you what it is you have to do in order...
by sometimesinvestor
Sun Mar 02, 2014 10:38 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads.org Home Page Updated
Replies: 230
Views: 9131

Re: Tax form 1116 questions

I just did my Form 1116 with TurboTax yesterday and I've been cranky all weekend because of it. Hey wait, didn't you tell me a few weeks ago that TT is the preferred software in terms of handling Form 1116? And it made you grumpy all weekend? I still can't figure out if H&R Block does the form ...
by sometimesinvestor
Sun Mar 02, 2014 9:19 pm
 
Forum: Investing - Theory, News & General
Topic: Tax form 1116 questions
Replies: 29
Views: 1644

Re: How Much Do Individual Investors Underperform the Market

As Doc wrote I knew it would be bad, but the latest Morningstar Investor Returns data look downright ugly. Investor returns is Morningstar's measure of the actual returns that fund investors enjoyed . We take a fund's stated return and then adjust for inflows and outflows so that we have a measure o...
by sometimesinvestor
Sat Mar 01, 2014 7:58 pm
 
Forum: Investing - Theory, News & General
Topic: How Much Do Individual Investors Underperform the Market?
Replies: 30
Views: 2177

Re: Fidelity S & P 500 Vs. Vanguard S & P 500 Index Funds

[quote="livesoft"]Since the funds are essentially the same, I don't think the funds themselves would lead to any meaningful comparisons. However, the firms are not the same. You may prefer a firm like Fidelity which has 24/7 phone hours and walk-in offices. Or you may prefer the Vanguard w...
by sometimesinvestor
Thu Feb 27, 2014 8:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity S & P 500 Vs. Vanguard S & P 500 Index Funds
Replies: 12
Views: 1152

Re: Kiplinger's,Money or any other publication.....

if you have the time all these opulications are worthwhile in that you may come across a pience of information that will more than pay for your subscription in terms of happiness, money or both.still reading them all and not missing anything will take at least two or three or four or five hours per ...
by sometimesinvestor
Tue Feb 25, 2014 2:06 pm
 
Forum: Personal Consumer Issues
Topic: Kiplinger's,Money or any other publication.....
Replies: 10
Views: 979

Re: Thought provoking Zweig Article in WSJ

[OT comment removed by admin LadyGeek]
by sometimesinvestor
Sat Feb 22, 2014 6:16 pm
 
Forum: Investing - Theory, News & General
Topic: Thought provoking Zweig Article in WSJ
Replies: 32
Views: 6948

Re: Please help with 401k Allocations (New job, poor options

Most 401k plans waive the loads but your funds seem fairly bad and that might not be the case. No one hasked about the stable value fund .These normally offere a fixed rate for at leasta 6 month or one year period and if that rate is say 3% it could bea good choice provided that you are invested out...
by sometimesinvestor
Sat Feb 22, 2014 4:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help with 401k Allocations (New job, poor options)
Replies: 14
Views: 633

Re: I thought I understood backdoor Roth but now I'm confuse

I believe rolling over from a 401k to a TIRA is probably just wrong.For a backdoor Roth you need to look only at the amount in TIRA accounts.The amounts in 401ks don't matter If you have none for example a backdoor Roth means opening up a non dedctable IRA than immediately converting to a Roth with ...
by sometimesinvestor
Sat Feb 22, 2014 4:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: I thought I understood backdoor Roth but now I'm confused
Replies: 27
Views: 2070

Re: Advice for my mother

If the 6.1% product is basically a stable value fund and the companies backing it are highly rated I would put most of my fixed income investments in that. I would expect it to outperform the total bond fund for at least a few years
by sometimesinvestor
Thu Feb 20, 2014 11:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice for my mother
Replies: 21
Views: 2398

web site for somewhat esoteric portfolio analysis

http://www.portfoliovisualizer.com/ViewHistoricalReturns click on home to find other types of analysis including Run Fama-French three or four factor model analysis for one or more assets to analyze returns against market, size and value factors,View correlations for asset classes and selected ticke...
by sometimesinvestor
Wed Feb 19, 2014 10:30 pm
 
Forum: Investing - Theory, News & General
Topic: web site for somewhat esoteric portfolio analysis
Replies: 3
Views: 372

interesting article on rebalancing using vanguard data

http://www.marketwatch.com/story/the-right-way-to-rebalance-your-portfolio-2014-02-18/print?guid=A845092A-9587-11E3-90B3-00212803FAD6 Bottom line rebalancing once a quarter worked best , once a year 2nd best , once a month only a bit better than never. The portfolio was evenly divided in 5 asset cla...
by sometimesinvestor
Tue Feb 18, 2014 11:26 am
 
Forum: Investing - Theory, News & General
Topic: interesting article on rebalancing using vanguard data
Replies: 6
Views: 584

Re: What to put in a Roth

I agree with DSI comments but I would add that if you have a shorter time horizon (10 years or less there is some value in having slightly less risky positions in a ROTH. This is clearer with regards to taxable where you can tax harvest losses but the Govt does not share your losses at all in a Roth...
by sometimesinvestor
Tue Feb 18, 2014 10:58 am
 
Forum: Investing - Help with Personal Investments
Topic: What to put in a Roth
Replies: 3
Views: 657

Re: I bought the "wrong" index fund in taxable, can I fix it

For those who do not know FFNOX consists of four index funds as follows As you will note the chance that the total stock market fund is down and this up or vice versa is very unlikely The bond fund and international fund both have expense ratios of about .2 the stock funds an er of about .1 so you a...
by sometimesinvestor
Mon Feb 17, 2014 1:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: I bought the "wrong" index fund in taxable, can I fix it?
Replies: 37
Views: 2289

Re: I-bond suitability for high tax bracket investors

actually if interest rates go up i bonds will probably be ok as their rate(adjusted aevery 6 months) will probably go up also.The main virtue of i bonds over TIPs is that there is no downside risk of losing money which is not clearly true for TIPs unless you buy individual issues
by sometimesinvestor
Mon Feb 17, 2014 12:08 am
 
Forum: Investing - Theory, News & General
Topic: I-bond suitability for high tax bracket investors
Replies: 8
Views: 1050

Re: Changed Jobs - Help make Sec 457 Deferred Comp. Election

I would be very temted by the 3.5% guarenteed for the next few years. If at some points 10 year bonds have a yield of much over 3.5% you can reconsider your choice.
by sometimesinvestor
Sun Feb 16, 2014 11:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help make Sec 457 Plan Election: 3.5% Guaranteed v. Tot Bond
Replies: 9
Views: 742
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