Search found 49 matches

by Blister
Sat Apr 16, 2016 6:41 am
Forum: Investing - Help with Personal Investments
Topic: Now i get it - mortgage payoff
Replies: 35
Views: 5002

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: 1433

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: 2304

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: 1462

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: 19098

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: 35870

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: 494

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: 494

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: 494

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 (...
by Blister
Fri Apr 24, 2015 9:03 am
Forum: Personal Finance (Not Investing)
Topic: How much do you pay in Property Taxes?
Replies: 188
Views: 14219

Re: How much do you pay in Property Taxes?

$1800 for 4000 sq foot home horse barn and 17 acres but I live in Tennessee
by Blister
Thu Apr 23, 2015 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage and splitting expenses
Replies: 112
Views: 9568

Re: Marriage and splitting expenses

My inlaws were married over 50 years and during their entire marriage they kept all their money seperate and paid joint bills 50/50 She made slightly more than him. My father in law was suprised at how much money she had after passed away a couple of years ago. It worked for them. My wife and I comb...
by Blister
Wed Nov 19, 2014 1:38 pm
Forum: Investing - Theory, News & General
Topic: Why finance research is often wrong - the jelly bean problem
Replies: 262
Views: 28994

Re: Why finance research is often wrong - the jelly bean pro

A broken clock will be right twice a day. Nice posting.
by Blister
Wed Sep 17, 2014 2:28 pm
Forum: Investing - Theory, News & General
Topic: What evidence would prove the Boglehead mentality wrong?
Replies: 212
Views: 18776

Re: What evidence would prove the Boglehead mentality wrong?

The list of Boglehead precepts will remain sound long term. I think many people, myself included, often wonder whether active investing could not outperform passive investing. Someone may develop a metric that would work to outperform indexes over the long term. As long as they did not make their fo...
by Blister
Wed Jul 23, 2014 3:43 pm
Forum: Investing - Theory, News & General
Topic: Poll: Which Happens First - DOW > 20,000 or DOW < 14,000?
Replies: 33
Views: 3596

Re: Poll: Which Happens First - DOW > 20,000 or DOW < 14,000

I would speculate that it will hit 18000 before it hits 20000. and it may hit 15000 before it goes to 14000.. Of course I am only guessing. :happy
by Blister
Sun Jul 20, 2014 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: Can I retire early?
Replies: 28
Views: 4551

Re: Can I retire early?

Congrats you did it.
by Blister
Fri Jun 13, 2014 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: I cannot make the jump and retire
Replies: 97
Views: 16636

Re: I cannot make the jump and retire

It sounds like you need to take a vacation. A long 1-2 month vacation. That would help you to crystalize your thinking. You may decide you really still like working and find you aren't as burned out as you think. Or you may decide not to come back from vacation. :wink:
by Blister
Fri Jun 13, 2014 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Self Coverage in the Absense of Long Term Care Ins.
Replies: 13
Views: 1255

Re: Self Coverage in the Absense of Long Term Care Ins.

There are various stats available about the cost of LTC. One of the most telling stats is that 53% of people placed in nursing homes die within the first 6 months. The average length of stay is quoted at 2.7 years but a more useful stat is the median lenght of stay: 3 months for men and 8 months for...
by Blister
Sat Mar 15, 2014 2:41 pm
Forum: Investing - Theory, News & General
Topic: What to put in a taxable account.
Replies: 9
Views: 1035

What to put in a taxable account.

From reading the wiki and other sources I gather one needs to focus on keeping tax efficient funds and ETF's in taxable accounts. Does anyone have specific recommendations, or could you tell what you keep in your accounts.
by Blister
Mon Jan 20, 2014 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 386
Views: 35253

Re: High Earners - What's Your Profession?

According to 2011 data an average household income over $101K would put you in the top 20% in the country. Over $200k would put you in the top 4%. Everything is relative. Bogleheads are mostly high earners.

http://en.wikipedia.org/wiki/Household_ ... ted_States
by Blister
Mon Oct 14, 2013 7:27 am
Forum: Personal Finance (Not Investing)
Topic: Social security retirement
Replies: 4
Views: 707

Social security retirement

I have read some about the various ways a person and their spouse can file for social security to maximize their overall retirement benefits. But it seems somewhat confusing. Searching amazon there seems to be quite a few books out there but just reading the reviews is often not helpful. Does anyone...
by Blister
Wed May 08, 2013 10:09 pm
Forum: Personal Consumer Issues
Topic: How Much Did You Spend on Your Engagement Ring??
Replies: 289
Views: 25501

Re: How Much Did You Spend on Your Engagement Ring??

$450 but that was 39 years ago. Nearly half of my net worth at the time. Marriage and ring seems to have lasted longer than most. :)
by Blister
Wed May 08, 2013 1:33 pm
Forum: Investing - Theory, News & General
Topic: How does VXUS (VG INTL Index ETF) track the market?
Replies: 8
Views: 724

Re: How does VXUS (VG INTL Index ETF) track the market?

An ETF unlike a mutual fund is valued at what a party is willing to pay. Therefore its price may be at either a discount (less than the value of its holdings) or a premium (more than the value of its holdings) Agree with above that if the "disconnect" gets too great someone would sweep in ...
by Blister
Wed May 08, 2013 1:11 pm
Forum: Investing - Theory, News & General
Topic: locking in gains or wash sale
Replies: 5
Views: 407

locking in gains or wash sale

Was thinking of selling my VEA as I have long term gains and buying VIUS. Would there be "significant difference" in the two so I would not have to worry about a wash sale.

this is in a taxable account and part of my international stock allocation.
by Blister
Wed May 01, 2013 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: BigMoney Jobs(high school student wants to be rich some day)
Replies: 102
Views: 7815

Re: BigMoney Jobs(high school student wants to be rich some

You can't just pick a field because of salary. You cannot discount the years of suffering that are involved in getting an advanced degree such as medicine and law. For medicine it's 4 years Bachelors, 4 years medical school, 3-10 years residency/fellowship. You cannot discount the student debt that ...
by Blister
Tue Apr 16, 2013 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: No will-is an executor necessary?
Replies: 9
Views: 666

Re: No will-is an executor necessary?

Having recently gone thru two family deaths, where I and my wife served as executors; I can only imagine what a night mare it would be without a will. The state will basically decide where any property goes. This site may give you an idea of whats in store. http://livingtrustnetwork.com/estate-plann...
by Blister
Fri Apr 05, 2013 10:09 am
Forum: Personal Consumer Issues
Topic: Wedding band durability & long-term costs- gold vs platinum?
Replies: 40
Views: 2885

Re: Wedding band durability & long-term costs- gold vs plati

Have had a gold band for 38 years and not worn out yet. Does get a little tight at times. :D
by Blister
Tue Apr 02, 2013 9:38 am
Forum: Investing - Theory, News & General
Topic: Stockman Warns of Crash of Fed-Fueled Bubble Economy
Replies: 20
Views: 1706

Re: Stockman Warns of Crash of Fed-Fueled Bubble Economy

"In 2010, Stockman agreed to pay $7.2 million to settle a lawsuit with the Securities and Exchange Commission that claimed he had misled investors as chief executive officer of Collins & Aikman Corp., a maker of auto parts. "

consider the source.

Just more noise.
by Blister
Sun Mar 17, 2013 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: helping my daughter buy a house
Replies: 18
Views: 2101

Re: helping my daughter buy a house

Agree with most of the other posters that it doesn't seem to be a good idea to co-sign a loan unless you are willing to take over the payment. (Worst case ) And unfortunately the worst case can and sometimes does happen.
by Blister
Thu Mar 14, 2013 6:19 pm
Forum: Investing - Help with Personal Investments
Topic: 1 Stock - How to Play it? - Margin Implications - Need Help!
Replies: 38
Views: 2410

Re: 1 Stock - How to Play it? - Margin Implications - Need H

If you know it will go to 31 wait and sell it then. Or if this is a good investment why sell at all. If this is a speculation then gamble. :confused
by Blister
Thu Mar 14, 2013 4:41 pm
Forum: Investing - Theory, News & General
Topic: Why is the market climbing so fast?
Replies: 41
Views: 5047

Re: Why is the market climbing so fast?

All the big institutions want to get in before the end of quarter so it would look like they have been carrying winners all along.

Or maybe not.... :?:
by Blister
Tue Mar 12, 2013 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella Liability Policy
Replies: 5
Views: 516

Umbrella Liability Policy

Does anyone have an Umbrella Liability policy and if so how do you determine how much to have it insure? (ie the amount) This would be over and above regular homeowners and car insurance.
by Blister
Tue Mar 12, 2013 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Living with Less. A Lot Less (NYTimes Article)
Replies: 74
Views: 10831

Re: Living with Less. A Lot Less (NYTimes Article)

Precisely why I would not want to live in NYC or any other large metro area. They are nice places to visit though. I'll keep my 16 acres in the hills of Tennessee. :happy
by Blister
Sun Mar 03, 2013 10:50 pm
Forum: Investing - Theory, News & General
Topic: Backtesting Software
Replies: 12
Views: 1123

Re: Backtesting Software

"Past Performance is Not Indicative of Future Results
by Blister
Thu Feb 28, 2013 4:08 pm
Forum: Personal Consumer Issues
Topic: Would you seriously date someone with $300K in debt?
Replies: 85
Views: 3518

Re: Would you seriously date someone with $300K in debt?

Seriously date ? Yes................ Enter into a legal contract with an impoverished lawyer (ie marriage)...............mmmm not so much. :P
by Blister
Thu Feb 28, 2013 4:04 pm
Forum: Investing - Theory, News & General
Topic: So what will people do? [if bond bubble bursts]
Replies: 66
Views: 5263

Re: So what will people do? [if bond bubble bursts]

In answer to the original question.

Rebalance and stay the course.
by Blister
Fri Feb 08, 2013 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Simplifing a portfolio
Replies: 1
Views: 357

Simplifing a portfolio

Presently I have several different retirement plans. A 401K with my present employer. A Roth and traditional IRA. And two 403B accounts. One with TIAA-Cref and the other with Valic. I have been thinking about trying to simplify the number of accounts and am considering rolling the Valic over to my t...
by Blister
Thu Jan 24, 2013 9:01 pm
Forum: Investing - Theory, News & General
Topic: Self employed AA...
Replies: 2
Views: 292

Re: Self employed AA...

How old are your?
by Blister
Thu Oct 25, 2012 8:32 pm
Forum: Personal Consumer Issues
Topic: chosing an attorney
Replies: 12
Views: 1037

Re: chosing an attorney

Thanks for the suggestions. The town she is in is High Point , NC I may call the law school at Wake Forest which is the nearest one . If anyone has any contacts in that area let me know. Thanks
by Blister
Thu Oct 25, 2012 1:47 pm
Forum: Personal Consumer Issues
Topic: chosing an attorney
Replies: 12
Views: 1037

chosing an attorney

My mother wants to set up a trust for my disabled sister and would like me to handle this. The problem is she lives 200 miles away in another state. My mother also wants to use someonein her local town. My question is how do I find a competent affordable lawyer not knowing anyone in that area. The o...
by Blister
Wed May 09, 2012 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Medical practice buy-in
Replies: 43
Views: 5417

Re: Medical practice buy-in

IMHO. The value of the practice could be determined by looking at the salary premium you would make as a partner compared to remaining an employee of the group or any similar position in the area. ie if you are making 150K as employee and the partners are making 200K that extra bump in income should...
by Blister
Mon May 07, 2012 6:05 pm
Forum: Personal Consumer Issues
Topic: Car to Gross Income Ratio - under 35
Replies: 41
Views: 4006

Re: Car to Gross Income Ratio - under 35

1:2 Just finished my residency. 280ZX 1980 Loved that car but not very practical. Traded it in on a miniVan 3 years later. :(
by Blister
Mon May 07, 2012 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Average wedding = 25k?
Replies: 110
Views: 7796

Re: Average wedding = 25k?

I have one daughter and I said I would give her 25K or a big wedding. She can choose. We will see if she is a boglehead. :?:
by Blister
Tue Apr 17, 2012 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Med school at 29 year old, is this a viable plan?
Replies: 89
Views: 6393

Re: Med school at 29 year old, is this a viable plan?

Been a family physician for past 30 years Most I ever made was last year 180K. If you are making 135K now giving up that job for the next 7-10 years your will never come out ahead. (from a financial point of view) But if you really enjoy helping others and making lots of money is not your goal then ...
by Blister
Tue Apr 17, 2012 6:25 pm
Forum: Investing - Theory, News & General
Topic: Whats out of favor now?
Replies: 71
Views: 4252

Re: Whats out of favor now?

long term bonds are definately out of favor.
by Blister
Sun Mar 25, 2012 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Non deductable IRA
Replies: 2
Views: 345

Non deductable IRA

Is it worthwhile to put money in a Non-deductable IRA. I contribute max to 401K. Have an IRA from earlier and Roth. AGI too high to do the Roth this year or a traditionable deductable IRA. I realize the earnings would be taxed deferred. I would want to keep this seperate from my deductable IRA (book...
by Blister
Wed Mar 07, 2012 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: Elderly Parent and annuities
Replies: 5
Views: 576

Re: Elderly Parent and annuities

Thanks for the input. I got a copy of all the contracts and will be trying to sort out the details. Will be contacting this agent. You guys are very supportive.
by Blister
Tue Mar 06, 2012 8:44 am
Forum: Investing - Help with Personal Investments
Topic: Elderly Parent and annuities
Replies: 5
Views: 576

Elderly Parent and annuities

I have not been involved in my parents financial decisions in the past, but my father recently passed away and as coexecutor to his estate I learned more than I wanted to know. He was not a wealthy man in monetary terms but lived a simple lifestyle with my mother. I discovered that they both have Eq...

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