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by minesweep
Mon Jan 16, 2017 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: 28 Yr. Old Male, Where Would I Start?
Replies: 5
Views: 528

Re: 28 Yr. Old Male, Where Would I Start?

Welcome to the Bogleheads Forum!

You can begin here at the Bogleheads Wiki:

Getting started
by minesweep
Sun Jan 15, 2017 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: Dollar-Cost-Average over HOW MANY years?
Replies: 58
Views: 3456

Re: Dollar-Cost-Average over HOW MANY years?

You have said that your desired asset allocation is 80/20, but the question that you asked seems to indicate that you are not really comfortable with that allocation. Perhaps revisit your IPS. Ralph +1 I gathered from a prior post that the OP and his wife are 52/48 respectively. Apparently, a Vangu...
by minesweep
Fri Jan 13, 2017 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking about leaving Ameriprise
Replies: 40
Views: 1436

Re: Thinking about leaving Ameriprise

Set up an account at Vanguard (or Fidelity...or) and start the transfer process with them. They will do the lifting and there will be no confrontation. Your advisor is a 'friend', cool, but it's just business. 2.7% is pretty terrible for last year. You can read the wiki and do much better on your o...
by minesweep
Fri Jan 13, 2017 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking about leaving Ameriprise
Replies: 40
Views: 1436

Re: Thinking about leaving Ameriprise

Just for more information, he does not charge me an annual flat fee, but there is a 1% fee through Ameriprise, and I'm sure there are fees on many of the funds. Any help would really be appreciated. There continues to be a lot of focus on the consequences of today’s low-rate environment. In such an...
by minesweep
Fri Jan 13, 2017 7:33 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking about leaving Ameriprise
Replies: 40
Views: 1436

Re: Thinking about leaving Ameriprise

Dottie57 wrote:FYI

I am sure you realize that doing business with friends is not a good idea. You may lose the friendship.

To me a true friend is someone who would be happy for me finding better investment options that were available to me. Money shouldn't be a foundation for friendship.
by minesweep
Tue Jan 10, 2017 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: Lump Sum Investing
Replies: 13
Views: 1245

Re: Lump Sum Investing

BH wisdom is that the BEST time to invest is when you have the money to do so. You have the money now; do so! Old Chinese proverb says: The best time to plant a tree was 20 years ago. The second best time is today. "Someone is sitting in the shade today because someone planted a tree a long ti...
by minesweep
Sat Jan 07, 2017 3:04 pm
Forum: Investing - Theory, News & General
Topic: I am timing the market. Why am I wrong?
Replies: 89
Views: 5729

Re: I am timing the market. Why am I wrong?

Q3 2015 I subscribed to the WSJ and then Barrons to start learning. In addition I started lurking and sometimes contributing in online forums. Last April, deciding that the market was in a significantly overvalued state I decided to go from nearly 100% invested to nearly 0% invested. It’s lucky for...
by minesweep
Fri Jan 06, 2017 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: Step up in basis question
Replies: 5
Views: 299

Re: Step up in basis question

If you and your spouse owned one or more homes together, the tax basis of the ownership interest that belong to your spouse (usually half) is stepped up. If you and your spouse owned one or more homes or other capital gain assets as community property in one of the nine community property states (A...
by minesweep
Fri Dec 30, 2016 4:21 pm
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- November
Replies: 8
Views: 1128

Re: BOGLEHEAD CONTEST -- November

Roverdog predicted 2238.89. S&P closed the year at 2238.83.
by minesweep
Wed Dec 28, 2016 5:26 pm
Forum: Personal Consumer Issues
Topic: TV in the bedroom?
Replies: 82
Views: 5053

Re: TV in the bedroom?

jasper wrote:TV watching in the bedroom, before bed, is bad for sleep
Look it up. Well studied

Why is it that TV viewers have trouble falling asleep in the bedroom but not the living room or den? :?
by minesweep
Mon Dec 26, 2016 6:28 pm
Forum: Personal Consumer Issues
Topic: If a tree falls
Replies: 60
Views: 4337

Re: If a tree falls

the power is a problem. The power line is down. It is a hazard. The power company said they would come by 11. At 6 pm I asked them to come tomorrow, since once they get here, I'll lose power, and I'll need the electrician to hook the power back up. If he isn't here when they come, I'll need to wait...
by minesweep
Fri Dec 23, 2016 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Can Bogleheads Have Fun Too?
Replies: 29
Views: 2896

Re: Can Bogleheads Have Fun Too?

There are thousands of fun threads on this forum. Look at all the requests for 1. Food and Eating 2. Travel 3. Vehicles (Cars, Trucks, Bikes, Motorcycles, 4-wheelers, and many more) 4. Watches (I have no idea why they are fun though) 5. Shoes and clothes 6. Purses and accessories 7. Movies, books, ...
by minesweep
Tue Dec 20, 2016 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: "Trump Rally" with any basis or doomed to come down to earth soon?
Replies: 16
Views: 1482

Re: "Trump Rally" with any basis or doomed to come down to earth soon?

In before the lock! :wink: ..... I'm still long on stocks because I think our republic can handle even very incompetent administration (although this will be a unique first test in that regard). That comment will get it locked for sure. Or, the Wiiliam4u comment will be deleted and the topic will l...
by minesweep
Tue Dec 20, 2016 1:10 pm
Forum: Investing - Theory, News & General
Topic: DOW [Will the DOW hit 20,000 before the end of the year?]
Replies: 25
Views: 2761

Re: DOW [Will the DOW hit 20,000 before the end of the year?]

Almost there wrote:Thank you for letting me know about the contest.

REGISTRATION for the 2017 Boglehead Contest will begin January 1, 2017 and end January 10.

2017 Boglehead Contest Registration Reminder
by minesweep
Tue Dec 20, 2016 11:34 am
Forum: Investing - Theory, News & General
Topic: DOW [Will the DOW hit 20,000 before the end of the year?]
Replies: 25
Views: 2761

Re: DOW [Will the DOW hit 20,000 before the end of the year?]

Almost there wrote:Could you please start a new post about the S&P? This posting is just about the Dow reaching 20,000.

There is one. It's called the Boglehead Contest. There are over 600 predictions of where the S&P 500 will finish the year.

2016 Boglehead Contest
by minesweep
Sun Dec 18, 2016 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: Ideas to invest cash in 401 k
Replies: 1
Views: 325

Re: Ideas to invest cash in 401 k

Welcome to the Bogleheads Forum! It’s safe to say that most Bogleheads would not recommend investing in sector funds. Especially given that you market timing attempt has not worked (at least in the short term) with an investment in a broad based index fund. Perhaps you need to reassess your risk tol...
by minesweep
Fri Dec 16, 2016 4:29 pm
Forum: Investing - Theory, News & General
Topic: What do you think is in more of a bubble right now?
Replies: 57
Views: 6605

Re: What do you think is in more of a bubble right now?

I don’t think we are even close to a stock market bubble. The Fed Chair has yet to utter the phrase irrational exuberance. :happy
by minesweep
Thu Dec 15, 2016 9:18 am
Forum: Investing - Theory, News & General
Topic: Got cash - what to do?
Replies: 9
Views: 1806

Re: Got cash - what to do?

It would be best to do it all at once because no one knows the best time to invest in the stock market (it’s only in hindsight). However, because of your trepidation I would dollar cost average in that new money. If there were a big selloff in the stock market it could prevent you from doing somethi...
by minesweep
Wed Dec 07, 2016 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Veterans Administration(VA) benefits for my sister
Replies: 7
Views: 607

Re: Veterans Administration(VA) benefits for my sister

My 86 year old widowed sister is in an assisted living facility. They said because her husband had been a veteran the government would pay $1,000 a month. This was back in 2011, so it sounds like they raised the amount since then. If I recall correctly her total assets had to be under $80,000 to qua...
by minesweep
Wed Nov 23, 2016 10:19 am
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 219
Views: 21963

Re: Retreat to cash

Having nerves about volatility in the stock market might mean it's time to change asset allocation. Maybe you just need to have more % assets in fixed income (not move 100% out of equities, why so drastic) and you'd not be worried right now. I think it's nice to have a floor that lets me sleep at n...
by minesweep
Mon Nov 21, 2016 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Synchrony vs Ally
Replies: 37
Views: 3594

Re: Synchrony vs Ally

I have two savings accounts with Ally that were opened about 10 months ago.. One account for myself and one for my sister (I have power of attorney). I like the layout at their website (very user friendly). They sent me an email earlier this month telling me of the following updates that are coming ...
by minesweep
Wed Nov 09, 2016 11:38 am
Forum: Investing - Theory, News & General
Topic: Just don't panic
Replies: 61
Views: 8896

Re: Just don't panic

At the moment it's looks better than a ho-hum day.
by minesweep
Mon Oct 31, 2016 11:05 am
Forum: Investing - Theory, News & General
Topic: Edward Jones Trick or Treat (Tricks)
Replies: 16
Views: 3054

Re: Edward Jones Trick or Treat (Tricks)

The kid gets a Snicker. EJ hopes for a Payday (at the least a 100 Grand). They should get Zero.
by minesweep
Sat Oct 29, 2016 9:38 am
Forum: Investing - Theory, News & General
Topic: Barron's article: Get ready for sub-5% returns
Replies: 43
Views: 6705

Re: Barron's article: Get ready for sub-5% returns

letsgobobby wrote:I can't read the article but I expect 4% real just for the stocks. 0-1% for the bonds. So a 60/40 portfolio takes me to 2.5-3%.

Try this backdoor to article
by minesweep
Mon Oct 17, 2016 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Rmd [Required Minimum Distribution - how often taken?]
Replies: 12
Views: 1167

Re: Rmd

Once a year in mid-December. I have my 100% of my federal income tax withheld at that time too.
by minesweep
Sun Sep 25, 2016 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Best online bill payment service.
Replies: 30
Views: 2141

Re: Best online bill payment service.

I've used the automatic bill payment systems for my electric and gas utilities for decades. I never had a problem (knock on wood).
by minesweep
Sat Sep 17, 2016 8:30 am
Forum: Investing - Help with Personal Investments
Topic: No matching on Roth?
Replies: 60
Views: 3493

Re: No matching on Roth?

Do you have good investment options in the 401k? It's through Voya (not sure if that's good or not). I'm getting a rolling 12-month rate of return of 8.18, fairly evenly distributed across these funds: 0765 Voya Solution 2045 Portfolio Srv 1167 Voya Solution 2055 Portfolio Srv 0487 American Funds G...
by minesweep
Thu Aug 11, 2016 10:51 am
Forum: Investing - Theory, News & General
Topic: Talking about the Bogleheads approach with non-Bogleheads
Replies: 64
Views: 5197

Re: Talking about the Bogleheads approach with non-Bogleheads

They told you what they do financially so why not tell them what you do. No need to go any further and try to convince them to change their ways. If they express an interest then you could delve deeper into the subject matter.
by minesweep
Tue Aug 02, 2016 7:41 am
Forum: Investing - Theory, News & General
Topic: How long to turn 1 million to 2 millions for you?
Replies: 44
Views: 8545

Re: How long to turn 1 million to 2 millions for you?

The only problem is that a million dollars isn't what it used to be. I think $5,000,000 is the new 1,000,000. I recall watching “The Millionaire” TV series in which a fictional benefactor (John Beresford Tipton) gave away 1 million dollars anonymously to a person he never met. The TV series aired f...
by minesweep
Mon Aug 01, 2016 8:45 am
Forum: Investing - Theory, News & General
Topic: Stock Screeners
Replies: 68
Views: 3958

Re: Stock Screeners

I don't put much stock in those screeners. :happy
by minesweep
Wed Jul 27, 2016 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner Investor
Replies: 16
Views: 1104

Re: Beginner Investor

I would also consider a Roth IRA with a very low $1,000 opening deposit to a Vanguard LifeStrategy or Target Fund. This is a good idea, but you have to have earned income. If not earned, then a regular taxable account. Best choice would be a target retirement fund with maybe 40 to 60% stock. Nick, ...
by minesweep
Sat Jul 23, 2016 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirees, how much did you leave on the table?
Replies: 202
Views: 16361

Re: Early retirees, how much did you leave on the table?

For those of you posters who retired early, did you leave with an employer sponsored health plan of some sort or have to cover that yourself? TimeLord, what about you? Thanks. I had a healthcare plan through my former employer until I was eligible for Medicare. I had a spreadsheet on what the month...
by minesweep
Sat Jul 23, 2016 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirees, how much did you leave on the table?
Replies: 202
Views: 16361

Re: Early retirees, how much did you leave on the table?

I retired in 2001, two months before my 56th birthday. I couldn’t resist the early retirement package that was offered me by the company I worked at for 33 years. I don’t really know how much I left on the table by not working until full retirement age. But in comparison to my current net worth I’m ...
by minesweep
Sat Jul 16, 2016 11:23 am
Forum: Investing - Theory, News & General
Topic: Stocks at all time high?
Replies: 34
Views: 4322

Re: Stocks at all time high?

packet wrote:Bob, the world’s worst market timer

:beerCheers,
packet

He just kept Bob, Bob, Bobbing' Along. :happy My apologies to Bing & Doris.
by minesweep
Sat Jul 16, 2016 9:58 am
Forum: Investing - Theory, News & General
Topic: Stocks at all time high?
Replies: 34
Views: 4322

Re: Stocks at all time high?

So, I'm behind the curve here as far as retirement investing and wasn't seriously saving or in the market until a year ago. My question goes to the investor mindset when you know you still have ~15-20 years of accumulation left but you're staring at a record high Dow and S&P 500. Some quotes fr...
by minesweep
Thu Jul 14, 2016 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: Pull out of market?
Replies: 56
Views: 5881

Re: Pull out of market?

Did I miss it? OP How close are you to retirement that you are worried about a market fluctuation? Like others have said, try to avoid trying to time the market but maybe your risk tolerance with your level of AA is the real problem? You missed it. stealth94rt wrote: I'm (hopefully) about 3-5 years...
by minesweep
Wed Jul 13, 2016 3:00 pm
Forum: Investing - Help with Personal Investments
Topic: Pull out of market?
Replies: 56
Views: 5881

Re: Pull out of market?

As other posters have suggested change your asset allocation to a comfort level that so you can sleep well at night. I can understand your reluctance to holds stocks as you approach retirement (2008 is not a distant memory for many investors). But that fear shouldn’t take you entirely out of stocks....
by minesweep
Fri Jul 08, 2016 5:43 pm
Forum: Investing - Theory, News & General
Topic: What's your asset allocation and why?
Replies: 103
Views: 6669

Re: What's your asset allocation and why?

You can find more responses from this earlier posting:

What is your current Asset Allocation Policy and why?
by minesweep
Thu Jul 07, 2016 11:58 am
Forum: Investing - Theory, News & General
Topic: Vanguard Group Set Inflow Record in First Half of 2016
Replies: 1
Views: 516

Vanguard Group Set Inflow Record in First Half of 2016

In case you were wondering, Vanguard Group is still soaking up investor assets like mad.

Barrons
by minesweep
Wed Jul 06, 2016 7:43 am
Forum: Investing - Help with Personal Investments
Topic: Bond Funds - worth it?
Replies: 33
Views: 3181

Re: Bond Funds - worth it?

For anyone who is not familiar with this Stable Value Fund:

Fidelity Managed Income Portfolio
by minesweep
Sun Jul 03, 2016 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Starting the Investment Journey
Replies: 9
Views: 953

Re: Starting the Investment Journey

I can’t add much of anything to what the other responders have already said. You are fortunate that BUD offers a generous match and great low cost Vanguard index funds to boot. When BUD says “This One’s For You” (sorry couldn’t resist) they mean it.
by minesweep
Tue Jun 28, 2016 2:49 pm
Forum: Personal Consumer Issues
Topic: Dog attacked by another dog
Replies: 91
Views: 5286

Re: Dog attacked by another dog

About 25 years ago the same thing happened to my sister's dog when she took it for a walk (her dog was on a leash). Her dog was badly injured (but recovered). She took her case to a small claims court and won.
by minesweep
Sat Jun 25, 2016 10:07 am
Forum: Investing - Theory, News & General
Topic: Plunge and Panic-Do You Get It Now?
Replies: 108
Views: 13252

Re: Do You See it Now?

Levett wrote:It ain't nuthin'.

Some of us are old enough to remember October 19, 1987 (-22.61%, ladies and gentlemen).

The financial press needs to get a grip.

Lev

I remember it well (how could I forget). I stayed the course on that day and every day since.
by minesweep
Thu Jun 23, 2016 11:16 am
Forum: Investing - Help with Personal Investments
Topic: New to Bogleheads and Building My First Portfolio
Replies: 19
Views: 1426

Re: New to Bogleheads and Building My First Portfolio

William Bernstein's take on asset allocation for beginners: Benz : I'd like to start with some of the key pieces of wisdom that you have for maybe people in their 20s and 30s just starting out. What should their asset allocations look like and also what should their savings rates look like? Bernstei...
by minesweep
Wed Jun 22, 2016 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: New to Bogleheads and Building My First Portfolio
Replies: 19
Views: 1426

Re: New to Bogleheads and Building My First Portfolio

You want the fund choice which has a lower expense fee (Admiral). To be eligible for Admiral Shares (.05% fee) you’ll need a minimal investment of $10,000. So for now, you will be stuck with the Investor Shares (.16% fee). BTW, the average annual peformance that you show is from the date of inceptio...
by minesweep
Wed Jun 22, 2016 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: New to Bogleheads and Building My First Portfolio
Replies: 19
Views: 1426

Re: New to Bogleheads and Building My First Portfolio

Whatever asset allocation plan you decide upon be sure to “Stay the Course” through the stock market’s ups and downs. Because there will be times that your resolve to stick to your plan is tested.
by minesweep
Wed Jun 22, 2016 8:34 am
Forum: Investing - Help with Personal Investments
Topic: New to Bogleheads and Building My First Portfolio
Replies: 19
Views: 1426

Re: New to Bogleheads and Building My First Portfolio

According to many experts you should expect lower stock market returns (than 10%). The good news is that you are young so you have decades for the power of compounding to work in your favor.

Take your pick

The 3 funds listed here will work just fine
by minesweep
Sun Jun 12, 2016 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Taxes? I have lots of small questions.
Replies: 10
Views: 1124

Re: Help with Taxes? I have lots of small questions.

1. Itemized vs standard deduction: Line 40 Itemized deductions of my 1040 shows 8743, which is the taxes I paid, not the standard deduction. I've never itemized before, always was prompted to use standard deduction. So, it this year different bc I paid more taxes through 2015? I don't think I have ...

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