Search found 2879 matches

by Dale_G
Sat Jun 24, 2017 11:50 am
Forum: Investing - Help with Personal Investments
Topic: Is Vanguard Website Down
Replies: 9
Views: 701

Re: Is Vanguard Website Down

Yeah - weird. I got the 404 error with Chrome, but Microsoft Edge worked. I expect Vanguard has some IT guys working on the weekend and they will fix it.

Dale
by Dale_G
Fri Jun 23, 2017 9:49 pm
Forum: Investing - Theory, News & General
Topic: Good Article on Bubbles and Staying the Course
Replies: 9
Views: 1111

Re: Good Article on Bubbles and Staying the Course

I enjoyed the article - a little different perspective on the formation of bubbles.

Dale
by Dale_G
Mon Jun 19, 2017 3:57 pm
Forum: Investing - Theory, News & General
Topic: "Find out if your fund is declaring a quarterly dividend in June."
Replies: 32
Views: 4093

Re: "Find out if your fund is declaring a quarterly dividend in June."

Since many funds share the same board of directors, the directors must be very busy figuring out the dividends from say 11:30 pm to a few seconds before midnight. :D

Dale
by Dale_G
Sat Jun 17, 2017 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard High-Yield Corporate Fund Investor Shares VWEHX
Replies: 47
Views: 3561

Re: Vanguard High-Yield Corporate Fund Investor Shares VWEHX

How much money would you have to put in VWEHX to supply $400/month, indexed to inflation, for an indefinite period? Would this be uniquely less than the investment required using any variety of other investments? How many investments might be suggested that most likely could produce that result wit...
by Dale_G
Tue Jun 13, 2017 9:53 pm
Forum: Investing - Theory, News & General
Topic: Discrepancy in Reported Fund Price - What to Do?
Replies: 13
Views: 972

Re: Discrepancy in Reported Fund Price - What to Do?

Not just one month. My accounts are fine, but for one Total Bond Market (Admiral) account I informally "advise", the reinvest price was $11.01 for each month from 06/30/16 through 04/28/17. Edit 06/14/17: Actually, all of the reinvested dividends purchased shares at the correct price on th...
by Dale_G
Sat Jun 10, 2017 11:56 pm
Forum: Investing - Help with Personal Investments
Topic: Joint bank account w/parent or not?
Replies: 28
Views: 2037

Re: Joint bank account w/parent or not?

sport is correct - a Pay On Death or Transfer On Death designation on the account takes care of the succession issue. That said, one of my sons is a joint holder on a checking account maintained by my wife and I. The objective is for him to easily move money around for mom if I give up the ghost. So...
by Dale_G
Thu Jun 08, 2017 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: Changing IRA to 3 fund - do I just do it all tonight?
Replies: 13
Views: 806

Re: Changing IRA to 3 fund - do I just do it all tonight?

Moving money from one fund (or stock) to another in an IRA is not a taxable event.

Dale
by Dale_G
Thu Jun 08, 2017 3:59 pm
Forum: Investing - Help with Personal Investments
Topic: Investing cash reserve
Replies: 16
Views: 1747

Re: Investing cash reserve

I am with willthrill. My last "emergency" was about 1965. I am glad I did not keep my EF in a very low yielding but "safe" place for the past 52 years.

Dale
by Dale_G
Thu Jun 08, 2017 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: Best reinvestment timing for liquidated assets from a rollover?
Replies: 5
Views: 278

Re: Best reinvestment timing for liquidated assets from a rollover?

You were in the market - and temporarily out. There is no reason at all not to immediately go back to your original asset allocation - except market timing.

Dale
by Dale_G
Sun Jun 04, 2017 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Adding beneficiaries to a non-retirement account
Replies: 14
Views: 968

Re: Adding beneficiaries to a non-retirement account

TheJoker wrote:My approach was to set up a trust. My non-retirement assets are in a trust and I can change the trust at any time. Also the trust avoids probate (a high cost in California, as everything else.)

The Joker


Accounts with designated beneficiaries are also not subject to probate.

Dale
by Dale_G
Sun May 28, 2017 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: tax exempt bond funds
Replies: 25
Views: 2120

Re: tax exempt bond funds

So, the questions are: How much are the gains - and are they short or long term - and what is the tax damage? I agree with others that the durations of the Limited Term and Intermediate Term are significantly different enough so that you should match the duration (and hoped for return) to your needs...
by Dale_G
Sat May 27, 2017 3:07 pm
Forum: Investing - Theory, News & General
Topic: Why are capital gains taxed lower than div/interest?
Replies: 20
Views: 1458

Re: Why are capital gains taxed lower than div/interest?

So I bought $1,000 of ZYX stock in May of 1960. Yesterday I decided to sell it. It never paid dividends but the $1,000 investment had grown to $8,289. Wowee. Well, not wowee. The entire gain of $7,289 was due to inflation. A crappy investment with no real return, but the taxman wants their due. At a...
by Dale_G
Mon May 22, 2017 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: Do you keep extra money available for investing
Replies: 37
Views: 3388

Re: Do you keep extra money available for investing

My really dry powder (cash equivalents) amounts to 0.5% of the portfolio. But I keep that only so I don't have to bother reconciling the checking account or pay any attention to credit card purchases. Otherwise I am fully invested. In the event that equities decline about 16% from here (and lower th...
by Dale_G
Sun May 21, 2017 12:34 am
Forum: Investing - Theory, News & General
Topic: Barclays Online Savings account increases their interest rates
Replies: 6
Views: 1177

Re: Barclays Online Savings account increases their interest rates

We are excited to let you know .... I am glad to know that someone is excited - but it isn't me. A big $5.00 annual increase for a $10,000 investment. Oops, make that about $3.20 after taxes. Not bad, only losing about 1.3% due to inflation. Actually, watching a mosquito learn to fly is a lot more ...
by Dale_G
Sun May 21, 2017 12:07 am
Forum: Investing - Help with Personal Investments
Topic: Need help deciding between 401k Intl fund or 401k brokerage Intl Fund
Replies: 4
Views: 337

Re: Need help deciding between 401k Intl fund or 401k brokerage Intl Fund

There is no need to keep both funds. The BlackRock fund includes emerging markets while the Vanguard Developed Markets fund does not. Stick with the BlackRock fund, there is no need to pay a fee to purchase VDIVX . The dividend issue is really a non-issue. In your regular 401k, the BlackRock accumul...
by Dale_G
Mon May 08, 2017 11:04 pm
Forum: Investing - Theory, News & General
Topic: Profit from country's collapse (ordinary investor)
Replies: 18
Views: 1787

Re: Profit from country's collapse (ordinary investor)

I own (indirectly) Venezuelan bonds through VWOB and PCY Emerging Market Debt ETFs - to the tune of a small domestic automobile. As of the 10/31/2016 annual reports, VWOB held 2.4% and PCY held 3.7% of their portfolios in Venezuela. The prospect of a gain or loss in a particular country is a drop in...
by Dale_G
Mon May 08, 2017 9:50 pm
Forum: Investing - Theory, News & General
Topic: TSP Investment Options questioned
Replies: 10
Views: 1052

Re: TSP Investment Options questioned

I think the idea is to take something simple and easy to understand - then add a bunch of stuff to it to make it complex and difficult to understand.

Drum roll! Time for a couple million federal workers to hire a financial advisor.

Dale
by Dale_G
Tue May 02, 2017 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Car Warranty Lies
Replies: 32
Views: 3775

Re: Car Warranty Lies

Did you "review" the warranty - or actually read the terms and conditions. The answer will be in the contract. I hope you weren't misled, but the time to read the contract is before you sign it regardless of what a salesman tells you.

Dale
by Dale_G
Mon May 01, 2017 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: Is NOW an okay time?
Replies: 15
Views: 2338

Re: Is NOW an okay time?

goblue100 - a very nice presentation. No telling what the future brings, but it should provide some confidence for those worried about investing at "all time highs".

Keep track of your post, I'm sure you will get a chance to recycle it many times in the future.

Dale
by Dale_G
Mon May 01, 2017 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: Is NOW an okay time?
Replies: 15
Views: 2338

Re: Is NOW an okay time?

Since I began beginning seriously investing in 1982, I wouldn't be surprised if I have seen at least a 1,000 new highs, usually a few S&P500 points above the previous high, but new highs none-the-less. Much of the money I ever invested was at close to "all time highs", but a significan...
by Dale_G
Sun Apr 30, 2017 11:06 pm
Forum: Investing - Help with Personal Investments
Topic: Interesting Tax Guide - 2017
Replies: 18
Views: 2830

Re: Interesting Tax Guide - 2017

I read the first 34 pages. I noticed a few minor errors, but this looks like a good general investing tax guide - especially for folks new to investing.

Dale
by Dale_G
Fri Apr 28, 2017 10:55 pm
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 202
Views: 15679

Re: What is your overall portfolio weighted expense ratio

0.075%, but it still equals more than 5% of my annual living expenses - neglecting taxes. Good thing I am not with Ed Jones, Ameriprise, et al.

Keep up the good work Vanguard :D .

Dale
by Dale_G
Sat Apr 22, 2017 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: TLH question please. Doing my taxes.
Replies: 10
Views: 922

Re: Re:UPDATE. TLH question please. Doing my taxes.

But about that 2.5K carryover for next year.... -Will I have to remember it exists and to enter it, or will Turbo Tax remember it when I use their software again next year? -Are carryovers first applied toward capital gains again or only ordinary income going forward? Yes, TurboTax will remember th...
by Dale_G
Mon Apr 17, 2017 11:45 pm
Forum: Investing - Help with Personal Investments
Topic: [Advice needed for mother's inheritance/finances.]
Replies: 129
Views: 14019

Re: Too much inheritance to handle. Advice needed

pintail07 spoke of this up-thread, but I want to emphasize that if the AXA investment is an annuity, there is a "free look" period during which you can cancel the contract. The free look period may be as short as 10 days depending on your state law. The free look period usually starts on t...
by Dale_G
Mon Apr 17, 2017 10:37 pm
Forum: Investing - Theory, News & General
Topic: "Commodities in Your Portfolio? 'Hogwash...'"
Replies: 21
Views: 2822

Re: "Commodities in Your Porfolio? 'Hogwash...'"

Gee, it has only been a decade or so of under-performance. You have to give these things time - maybe a couple of generations, but think of the tail risks you avoid. You have to ignore the actual return of commodities and consider the risk adjusted return of the portfolio. If the risk adjusted retur...
by Dale_G
Sat Apr 15, 2017 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: The great commodities debate
Replies: 39
Views: 6734

Re: The great commodities debate

Welcome back Rick
by Dale_G
Sat Apr 15, 2017 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest my children's inheritance
Replies: 33
Views: 2949

Re: How to invest my children's inheritance

There is no "one size fits all". Since my invested assets have more than doubled since I retired in 2001, I expect that I am going to leave most behind. I have two sons +/- 50 years old, never married, with good jobs and their own investments. I am 70% equities and 30% bonds. The bonds are...
by Dale_G
Thu Apr 13, 2017 1:12 am
Forum: Investing - Help with Personal Investments
Topic: absolute amount or % to trigger a TLH
Replies: 12
Views: 908

Re: absolute amount or % to trigger a TLH

I am in a similar situation, but with more tax loss carry-forward and more unrealized capital gains. But at 79 YO I don't expect to ever use up the losses against ordinary income and I have no need or desire to recognize the capital gains and offset them with the losses. I'll let my muni bond fund l...
by Dale_G
Mon Apr 10, 2017 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Selling my condo with owner financing?
Replies: 24
Views: 1695

Re: Selling my condo with owner financing?

I would be willing to go the seller financed route - with slightly better than conventional interest rate and 20% or more down payment. If the buyer has real skin in the game, you should be pretty well protected.

Looking for a cash buyer if preferable, but maybe not in the cards.

Dale
by Dale_G
Thu Apr 06, 2017 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: Need more fixed income in tax-deferred accounts
Replies: 19
Views: 1327

Re: Need more fixed income in tax-deferred accounts

The State Street fund is an excellent low cost bond index fund that follows the Barclay's Aggregate US bond market. Not to worry that it has no ticker - this fund with it's very low expense ratio is available to 40x plans - and perhaps some institutional investors.

Dale
by Dale_G
Wed Apr 05, 2017 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: Muni Bonds in a Taxable Account
Replies: 14
Views: 1526

Re: Muni Bonds in a Taxable Account

Hi heanbean. I think it is fine to hold some muni's in taxable as a fairly stable substitute for an emergency fund. I realize that RMD time seems to be w-a-a-a-y in the future for you, but if you expect equities to outperform bonds over that period, you are likely to be in a better tax situation by ...
by Dale_G
Mon Apr 03, 2017 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Please provide guidance on portfolio
Replies: 13
Views: 790

Re: Please provide guidance on portfolio

Just to clarify: The $3,000 figure is the amount of tax loss (carry-forward or not) that you can deduct from your income from wages, dividends or whatever in a tax year. The amount of capital gains you can offset is limited only by your capital losses - current or carry-forward. For instance I have ...
by Dale_G
Sun Apr 02, 2017 11:16 pm
Forum: Investing - Help with Personal Investments
Topic: Please provide guidance on portfolio
Replies: 13
Views: 790

Re: Please provide guidance on portfolio

Hello Ithrive, welcome to the forum. Questions: 1. Does the carried over capital losses of 9k mean that I can sell funds to a gain amount of 3k this year and then offset those gains on my 2017 taxes? How do I do this? You can realized a total of $9,000 in capital gains in 2017 and those gains will b...
by Dale_G
Sun Apr 02, 2017 1:35 pm
Forum: Investing - Theory, News & General
Topic: Since robots are cheaper than humans expect smart beta to beat the indices
Replies: 11
Views: 1734

Re: Since robots are cheaper than humans expect smart beta to beat the indices

It is no more obvious that a computer can be expected to consistently outsmart the market than a human can - what makes the computer better at predicting the future? Especially when there are thousands of computers with similar, but at least slightly different algorithms, trying to do the same thin...
by Dale_G
Tue Mar 21, 2017 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: Failing to understand taxable acct strat
Replies: 16
Views: 1876

Re: Failing to understand taxable acct strat

.... The follow-up question/reassurance becomes... if I hold something like TSM in the taxable account, and Vanguard Target Retirement 2035 Fund (VTTHX) (which is ~50% TSM) in an IRA, then I shouldn't have a wash sale issue, right? The potential for a wash sale only arises if the funds "are su...
by Dale_G
Mon Mar 20, 2017 10:31 pm
Forum: Investing - Theory, News & General
Topic: Asset allocation and asset placement question?
Replies: 4
Views: 476

Re: Asset allocation and asset placement question?

And when it comes time to take RMDs, the amount you are required to take is likely to be larger if you have equities in the 401k/IRA than if you are invested wholly in bonds. The tax man would prefer that you keep bonds in the taxable account and equities in the tax deferred account.

Dale
by Dale_G
Fri Mar 17, 2017 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Can I minimize the Tax Torpedo and future Medicare costs?
Replies: 27
Views: 2547

Re: Can I minimize the Tax Torpedo and future Medicare costs?

To minimize the RMDs, hold bonds to the extent possible in the traditional IRA - and hold equities to the extent possible in the Roth IRA and taxable accounts. The "hump" only occurs over the income range where SS goes from being taxed at zero until 85% of it is fully taxed, then the tax r...
by Dale_G
Sun Mar 05, 2017 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: The Joys Of Tax Season! :(
Replies: 55
Views: 4502

Re: The Joys Of Tax Season! :(

I set a new record this year. Under 2 hours at a leisurely pace. I have a refund coming - my bad. But I haven't filed yet, I like to sit on the return and review it later to make sure all of the I's are dotted and the T's are crossed.. It is helpful that all of the income streams are now stable. Tur...
by Dale_G
Fri Mar 03, 2017 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor Portfolio Help...when to ditch the advisor?
Replies: 11
Views: 1127

Re: New Investor Portfolio Help...when to ditch the advisor?

1. Currently have a fee-only fiduciary advisor, he is giving me a discounted flat rate as an introductory rate, but normally 1.95% annual fee after that if/when moves me off. He has put me in DFFVX for my IRA and mentioned he has access to mutual funds that the individual investor doesn’t have acce...
by Dale_G
Fri Mar 03, 2017 4:58 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total Bond Market Index Fund - Variation in Daily Accrued Income
Replies: 10
Views: 1459

Re: Vanguard Total Bond Market Index Fund - Variation in Daily Accrued Income

What doesn't make any sense is that the accrual is about 40 cents over a period of 45 days. Is there a data entry problem here?

$10.04 (a 4 cent accrual) is a much more logical number.

Dale
by Dale_G
Mon Feb 27, 2017 11:28 pm
Forum: Investing - Help with Personal Investments
Topic: Assisting Parent with Dementia
Replies: 14
Views: 1399

Re: Assisting Parent with Dementia

dbr wrote: ...snip.... Social Security and the IRS definitely will not recognize a POA as such.


IRS form 2848 would seem to fit the bill for immediate family members as far as the IRS is concerned. The stationary store POA won't work though.

Dale
by Dale_G
Sat Feb 25, 2017 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: Pension at the PBGC - when to begin taking
Replies: 21
Views: 1762

Re: Pension at the PBGC - when to begin taking

You are not missing anything Brewman. It is many of your fellow workers who are missing something.

I'll bet a lot of the money they take early will be spent on boat, car and motorcycle payments plus excess taxes. Not a good choice on their part unless they expect a very short lifetime.

Dale
by Dale_G
Sat Feb 25, 2017 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: Has anyone used YieldStreet?
Replies: 2
Views: 291

Re: Has anyone used YieldStreet?

8 - 20% target return *1


They say 8-20% target return.

See footnote 1 - no guarantee, no promise.

Dale
by Dale_G
Sat Feb 25, 2017 1:00 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing -> Market Crash and rebalancing
Replies: 42
Views: 2317

Re: Rebalancing -> Market Crash and rebalancing

I sometimes think what I would do if i see a 10-20% crash - will I be afraid of catching a falling knife and do nothing? A 10%-20% decline is not a crash. In the scheme of things a 10% decline from a previous peak occurs almost yearly, 15% is a normal "correction" and it can occur every c...
by Dale_G
Wed Feb 22, 2017 11:46 pm
Forum: Investing - Help with Personal Investments
Topic: Barney Style Instructions on a Taxable Investment Account
Replies: 6
Views: 662

Re: Barney Style Instructions on a Taxable Investment Account

It is perfectly okay to have just one fund in the Roth whether it is domestic or international. Next January, you will be able to add the second fund if you wish and it fits you desired allocation.

Dale
by Dale_G
Wed Feb 22, 2017 11:34 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with decision [leaving Edward Jones]
Replies: 11
Views: 1109

Re: Need help with decision [leaving Edward Jones]

The no brainer part is to leave Ed Jones. Schwab, Fidelity and Vanguard all have a variety of inexpensive equity index funds these days. I think Vanguard continues to lead with a variety of low cost bond funds. Vanguard is presently having growing pains due to the huge influx of new money. I am cert...
by Dale_G
Tue Feb 21, 2017 12:39 am
Forum: Investing - Help with Personal Investments
Topic: Just received a UGMA in the form of a variable annuity…cash it out, or keep it?
Replies: 26
Views: 1576

Re: Just received a UGMA in the form of a variable annuity…cash it out, or keep it?

My read is that if a low cost annuity is kept for 15 years or more, the tax deferral outweighs the slight additional cost. In most respects, the VA is no different than having the money in a 401k with a similar expense ratio, except there are no forced withdrawals until age 90 or so. I would do the ...
by Dale_G
Sun Feb 19, 2017 1:16 am
Forum: Investing - Help with Personal Investments
Topic: How do you invest the proceeds [from your RMD?]
Replies: 22
Views: 2079

Re: How do you invest the proceeds [from your RMD?]

Our IRAs are all in bond funds. The RMDs are used to pay taxes, and whatever is left over is placed in Munis in taxable accounts in an effort to maintain our overall asset allocation.

Dale
by Dale_G
Sat Feb 18, 2017 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: New Allocations after Inherited IRA
Replies: 14
Views: 1012

Re: New Allocations after Inherited IRA

It looks like you will be 90% equities (of which 78% will be US and 22% will be International) + 10% bonds. Some might suggest bumping up the International a bit, but you are basically okay. Whether you want to hold the International in the taxable account (to take advantage of the Foreign Tax Credi...

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