Search found 89 matches

by Blister
Fri Feb 09, 2018 12:34 pm
Forum: Investing - Theory, News & General
Topic: Should you sell your investments when they start dropping? When should you invest during this market correction?
Replies: 52
Views: 4104

Re: Should you sell your investments when they start dropping? When should you invest during this market correction?

My plan is to not sell at all. It sucks seeing my account down 50K+ - but that is how it goes. My AA is 60/40 - I'm 52 and while the market is going down - I'm still buying - to get some deals: 401k - 403B- buy 4 times a month After Tax - buy 4 times a month Savings (Ally) 4 times a month (same thi...
by Blister
Tue Feb 06, 2018 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: Where to keep money to get to Social Security at age 70?
Replies: 14
Views: 1226

Re: Where to keep money to get to Social Security at age 70?

Sum-day wrote:
Tue Feb 06, 2018 3:45 pm
I'd put together a CD ladder.

Same here 1+
by Blister
Tue Feb 06, 2018 4:39 pm
Forum: Investing - Theory, News & General
Topic: Market Drop - A Perspective (2.6.18)
Replies: 12
Views: 2566

Re: Market Drop - A Perspective (2.6.18)

My perspective was most of the posts recently were how astute people felt they were with a high percentage of their investments in equities. Having lived thru the '87 drop, dot com drop, 2008 drop; one realizes that what goes up can also go down. Was going to rebalance last week but was just under m...
by Blister
Fri Feb 02, 2018 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: What advice would you give yourself if you were 27 again?
Replies: 120
Views: 7576

Re: What advice would you give yourself if you were 27 again?

Keep the Toyota and don't buy the Datsun 280ZX. Put the $12000 into Apple stock instead. (1979)
by Blister
Fri Feb 02, 2018 2:36 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1261991

Re: U.S. stocks in freefall

Lbill wrote:
Mon Aug 08, 2011 1:30 pm
DOW is down by over 550 points with a couple hours of trading left. Trading halt on the way?

This was the first post on this thread. 2011 :beer
by Blister
Mon Jan 22, 2018 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Tax gain harvesting or IRA to Roth conversion ?
Replies: 2
Views: 233

Tax gain harvesting or IRA to Roth conversion ?

Having retired last year, I am delaying taking SS until 70. No earned income in 2018 though we have adequate moneys in taxable accounts until age 70. My thoughts were to use to the next couple of years to convert IRA money to Roth while in low tax bracket. But now Im also considering selling some eq...
by Blister
Sat Jan 20, 2018 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: Going Bogle
Replies: 13
Views: 1824

Re: Going Bogle

It looks like your Asset Allocation adds up to 95% I assume the other 5% is your cash holdings. Agree with the other posters that with an iffy job situation cash (emergency fund) should be held in CD's MMF or the like outside of your 401k. It doesn't make sense to me to hold cash reserves in a retir...
by Blister
Fri Jan 19, 2018 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: $5000 to invest in brokerage account - what to invest?
Replies: 17
Views: 962

Re: $5000 to invest in brokerage account - what to invest?

If you can graduate medical school even with the lowest possible passing grade, you can learn everything you need to invest reasonably and beat most people's returns in a few hours. Good job - I always forget to look at user's past posts. :D Bones_Jones - based on the info you posted in 2016, you a...
by Blister
Fri Jan 19, 2018 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Case For/Against Financial Advisor + Portfolio
Replies: 13
Views: 994

Re: Case For/Against Financial Advisor + Portfolio

Welcome to the forum. The portfolio you outlined at the end of your post seems appropriate for a 24 yo starting out. It is fairly aggressive but if this is money you will not use until retirement that seems reasonable. The three fund portfolio with lower fees and no loads should perform better in th...
by Blister
Thu Jan 11, 2018 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone tired of the stock market going up?
Replies: 309
Views: 30340

Re: Anyone tired of the stock market going up?

Like others on the forum, at times feeling a bit lightheaded with the continuing up market. Noticed that my portfolio has not had a down month since Oct 2016. We know it won't last forever, but will enjoy the party while it lasts.

:beer
by Blister
Thu Dec 28, 2017 10:12 am
Forum: Investing - Help with Personal Investments
Topic: Invest or pay off car loan?
Replies: 17
Views: 823

Re: Invest or pay off car loan?

I would agree with others that paying off the loan was a good idea. :thumbsup
by Blister
Thu Dec 28, 2017 10:04 am
Forum: Investing - Help with Personal Investments
Topic: is using HSA as investment vehicle worth the trouble?
Replies: 50
Views: 4347

Re: is using HSA as investment vehicle worth the trouble?

Since I paid off the mortgage and other deductions are minor I have not itemized in a few years. And with the new tax law will be even less likely to itemize. So our HSA is in a MMF with a debit card. Have been using it to pay copays etc past few years Will probably be empty in about 4 years. Using ...
by Blister
Fri Dec 08, 2017 7:57 pm
Forum: Investing - Theory, News & General
Topic: Just not getting it [Stock Picking versus TSM]
Replies: 98
Views: 14440

Re: Just not getting it

There are plenty of people out there that are smarter than you or I and have more information about individual stocks than we do. They do this full time and don't have a 9-5 job. They are called fund managers. Not one of them has been able to out perform the TSM over the long term. Past performance ...
by Blister
Tue Oct 17, 2017 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: how long did it take to get used to retirement
Replies: 105
Views: 11008

Re: how long did it take to get used to retirement

I've been retired for about 5 months and have experienced some of the difficulties previously mentioned. It is a work in progress. :?
by Blister
Thu Aug 03, 2017 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 276
Views: 28463

Re: A poll: How much money do you need to retire?

Just retired 2 months ago at 66
No pension
3.1M more than enough.
:D
by Blister
Sun Jul 30, 2017 2:50 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle, Eugene Fama- New Freakonomics Radio Podcast
Replies: 28
Views: 3936

Re: Jack Bogle, Eugene Fama- New Freakonomics Radio Podcast

Just listened to this today. The follow up podcast should be interesting as well.
by Blister
Thu Jun 22, 2017 7:56 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Brokerage account?
Replies: 4
Views: 488

TIAA Brokerage account?

Curious if anyone has a brokerage account with TIAA, and if so what has been your experience. How would they compare to Vanguard, TDAmeritrade, Schwab or Fidelity? Trying to decide where to consolidate my accounts. I will not be doing much trading. Mainly buy and hold and rebalance.
by Blister
Wed Feb 22, 2017 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: What are they trying to sell me here?
Replies: 27
Views: 3474

Re: What are they trying to sell me here?

No such thing as a free lunch.




+1
by Blister
Sun Jan 29, 2017 8:50 am
Forum: Investing - Help with Personal Investments
Topic: Where to put the remaining money each month.
Replies: 13
Views: 2107

Re: Where to put the remaining money each month.

Since you do not have kids I don't think you can start a 529 plan, You need to have a beneficiary for that.
by Blister
Mon Jan 23, 2017 10:37 am
Forum: Personal Finance (Not Investing)
Topic: TIAA financial advisor?
Replies: 58
Views: 7327

Re: TIAA financial advisor?

The gentleman I met with was a "CFP" Also stated he was a fiduciary. First meeting was basically information gathering. No sales pitch but he did mention that TIAA had a brokerage service and there was varying levels of advice/management. He seemed to suggest that rebalancing should be done more fre...
by Blister
Thu Jan 19, 2017 8:51 am
Forum: Personal Finance (Not Investing)
Topic: ok to pull plug and retire?
Replies: 52
Views: 8581

Re: ok to pull plug and retire?

:beer

Have a happy retirement.
by Blister
Thu Jan 19, 2017 8:31 am
Forum: Personal Consumer Issues
Topic: what local pharmacy?
Replies: 57
Views: 4285

Re: what local pharmacy?

I recommend going to GoodRx.com and compare local prices. In my area CVS is the most expensive. Kroger and Walmart usually the least expensive. My wife likes the guy at CVS. :oops:
by Blister
Wed Jan 18, 2017 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: TIAA financial advisor?
Replies: 58
Views: 7327

Re: TIAA financial advisor?

"CFA"? Thats what the rep said but I'll find out more in a couple of days.
by Blister
Wed Jan 18, 2017 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: TIAA financial advisor?
Replies: 58
Views: 7327

TIAA financial advisor?

In the process of getting ready to retire in 6 months I was wondering what my options were with an old 403b account I had with TIAA-CREF. About a third is in the traditional TIAA annuity paying about 4.5% and the other 2/3 is in the CREF stock fund. (these moneys account for about 15% of my retireme...
by Blister
Wed Jan 18, 2017 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Does pharmacy school ranking matter?
Replies: 42
Views: 5397

Re: Does pharmacy school ranking matter?

If he is considering any type of academic career the more prestigious schools would be better. But if he is just interested in getting a job I don't feel that it would matter very much. I would be interested to see what others think.
by Blister
Wed Nov 30, 2016 10:17 am
Forum: Investing - Help with Personal Investments
Topic: 401K question with pending retirement
Replies: 3
Views: 621

401K question with pending retirement

Just gave my 180 day notice to retire mid next year at age 66. Have been doing the max 401k but with my salary and tax due significantly less next year(approximately half) should i just put those moneys in taxable account. We have adequate money outside our retirement accounts to put off SS till age...
by Blister
Mon Nov 28, 2016 6:10 pm
Forum: Investing - Theory, News & General
Topic: Commodities in your assets allocation
Replies: 22
Views: 2049

Re: Commodities in your assets allocation

Those responses have been quite helpful. One reason I asked this was because in Vanguards Managed payout fund they list Commodities at 4.9% but I could find no more specific information about how this was invested. Certainly I would not be tempted to try my hand at futures or options in straight com...
by Blister
Mon Nov 28, 2016 10:02 am
Forum: Investing - Theory, News & General
Topic: Commodities in your assets allocation
Replies: 22
Views: 2049

Commodities in your assets allocation

Just wondering if anyone includes commodities as part of their asset allocation. It certainly is not discussed much on the forum, but does seem to add a bit more diversification. Vanguard has an ETF and fund that covers this.
Vanguard Materials Index Fund Admiral Shares (VMIAX)
by Blister
Wed Nov 09, 2016 5:45 pm
Forum: Investing - Theory, News & General
Topic: Just don't panic
Replies: 61
Views: 10205

Re: Just don't panic

Guess there was no dip to buy. Well nice gain anyway. Stay the course. :beer
by Blister
Wed Nov 09, 2016 8:21 am
Forum: Investing - Theory, News & General
Topic: Just don't panic
Replies: 61
Views: 10205

Re: Just don't panic

I have some cash I needed to invest in equities. Anyone else buying on the dip today.
by Blister
Mon Sep 12, 2016 9:17 am
Forum: Personal Consumer Issues
Topic: Who is ready for iphone 7?
Replies: 149
Views: 15244

Re: Who is ready for iphone 7?

Was thinking about upgrading my 4s. But now not so much. :?
by Blister
Mon Sep 12, 2016 9:14 am
Forum: Investing - Theory, News & General
Topic: ["Ignore Forecasts. They're Usually Wrong."]
Replies: 19
Views: 2418

Re: A look at one guru's forecasts

Nice reality check.
by Blister
Sun Jul 31, 2016 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: Creative solutions to train young adult to be financially responsible & my $50k dilemma ...
Replies: 57
Views: 4409

Re: Creative solutions to train young adult to be financially responsible & my $50k dilemma ...

I agree with most of the other posters. Forget the house idea. Most 20 year olds would opt for an apartment, and they would have hard time qualifying for a mortgage Putting it against their loans would be the best approach
by Blister
Sun Jul 24, 2016 3:09 pm
Forum: Investing - Theory, News & General
Topic: King Solomon was the original Boglehead - historically speaking
Replies: 28
Views: 2556

Re: King Solomon was the original Boglehead - historically speaking

Wasnt Solomon the guy with all the wives and mistresses. Certainly not a Boglehead there. :wink:
by Blister
Thu Jul 21, 2016 3:35 pm
Forum: Investing - Theory, News & General
Topic: Discussing investing with spouse
Replies: 49
Views: 5140

Re: Discussing investing with spouse

island writes Blister- This reads like SHE is the one handling her mom's estate. Are you saying she's capable of that, but not interested in any hands on of her OWN estate at this time? Please clarify[/color]. She is certainly capable of doing the paper work dealing with lawyer etc. But in deciding ...
by Blister
Thu Jul 21, 2016 12:49 pm
Forum: Investing - Theory, News & General
Topic: Discussing investing with spouse
Replies: 49
Views: 5140

Re: Discussing investing with spouse

Thanks for the many helpful suggestions I certainly like the idea of a letter of instructions, which I have done to a limited extent already. Giving her a periodic summary may also be helpful and should open up avenues for discussion. Up till now I've been the primary breadwinner,and she has had no ...
by Blister
Thu Jul 21, 2016 8:53 am
Forum: Investing - Theory, News & General
Topic: Discussing investing with spouse
Replies: 49
Views: 5140

Discussing investing with spouse

Getting older and nearing retirement I have been trying to simplify both my and my spouse's retirement accounts. Over the past few years with the deaths of our parents we have seen first hand how complicated people can make there finances. My mother in law had over twenty accounts at various banks a...
by Blister
Wed Jul 20, 2016 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity beats Vanguard in ER
Replies: 30
Views: 3643

Re: Fidelity beats Vanguard in ER

Agree with Bondsr4me I like the Vanguard no frills site. In the process of moving my Schwab IRA to Vanguard. Have a taxable account with TD America and it is much too busy. Seems like they are trying to get me to trade more with all their bells and whistles. Have had Roth IRAs with Vanguard for few ...
by Blister
Fri Jun 24, 2016 12:27 pm
Forum: Investing - Theory, News & General
Topic: International stocks in free fall
Replies: 118
Views: 13273

Re: International stocks in free fall

Was sitting on a bit of cash so decided it was a good day to buy. :D
by Blister
Sat Apr 16, 2016 6:41 am
Forum: Investing - Help with Personal Investments
Topic: Now i get it - mortgage payoff
Replies: 44
Views: 8092

Re: Now i get it - mortgage payoff

I paid off my mortgage a couple of years ago when I could no longer itemize deductions. Was a no brainer at that point.
by Blister
Fri Mar 11, 2016 4:41 pm
Forum: Personal Consumer Issues
Topic: Bee Pollen
Replies: 13
Views: 1836

Re: Bee Pollen

People swear by all manner of supplements from bee pollen to various herbs and essential oils. As bogleheads I would think this forum would be more inclined to look at the facts or lack there of. I would suggest this article. https://www.sciencebasedmedicine.org/bee-pollen-supplements-not-safe-or-ef...
by Blister
Sat Oct 03, 2015 10:17 am
Forum: Investing - Help with Personal Investments
Topic: [How do I] short a stock
Replies: 28
Views: 2808

Re: [How do I] short a stock

I once shorted Iomega back in the heady tech days. Made a bit of money but the stress was not worth it.
Buy and hold in a passive asset allocation is much easier and I can go fishing. :happy
by Blister
Wed Sep 30, 2015 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: VTSMX and Substantially Identical Funds
Replies: 23
Views: 2148

Re: VTSMX and Substantially Identical Funds

Has anyone on this forum ever been denied a tax loss based on a wash sale? If so what were the circumstances?
by Blister
Wed Sep 09, 2015 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Life lessons: Making loans to friends. Insights? Revelations?
Replies: 191
Views: 23998

Re: Life lessons: Making loans to friends. Insights? Revelations?

Several years ago my sister and brother in law were going thru a bad time. Business failed, back taxes , fear of losing their home. I lent them $3000 which was a lot then but felt I could afford it. Had my sister sign a note. They paid me back when things were better. Recently a very good friend of ...
by Blister
Mon Aug 24, 2015 9:10 pm
Forum: Investing - Theory, News & General
Topic: The Bogleheads' Silent Majority
Replies: 255
Views: 42856

Re: The Bogleheads' Silent Majority

Just a couple of years to retirement and for a while was starting to think my 50/50 asset allocation was too conservative. Glad I stuck with my plan. "Staying the course" Yes I'll sing that song.
by Blister
Sun May 10, 2015 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Need 401K help
Replies: 6
Views: 687

Re: Need 401K help

I guess I'll go
VIGAX 40%
VVIAX 40%
VISGX 20%

thanks for the input
by Blister
Sun May 10, 2015 8:43 am
Forum: Investing - Help with Personal Investments
Topic: Need 401K help
Replies: 6
Views: 687

Re: Need 401K help

The other available domestic stock funds are: Alliance Berstein Value Fund ABVAX er 1.04% American Beacon small cap value AVPAX er 1.17% American Funds Growth Fund RGAEX er .68% Calvert Equity A CSIEX er 1.17% Harbor Capital appreciation HCAIX er 1.05% Columbia Acorn Lacac er 1.08% Royce Special Equ...
by Blister
Sat May 09, 2015 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: Need 401K help
Replies: 6
Views: 687

Need 401K help

Presently my 401K plan only offers 4 Vanguard mutual funds. There are no other index or low expense funds available. The 4 Vanguard funds I can select from are: Growth index (VIGAX) Value index (VVIAX) Small cap growth (VISGX) Select value (VASVX) I would like to try and replicate the total market (...