Search found 1030 matches

by minesweep
Wed Nov 23, 2016 10:19 am
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 168
Views: 12546

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: 3204

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: 8697

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: 2994

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: 6561

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: 1104

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: 2067

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: 3340

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: 4986

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: 8305

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: 3856

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: 1069

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: 15963

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: 15963

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: 4207

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: 4207

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: 5744

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: 5744

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: 6293

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: 502

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: 3136

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: 929

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: 5065

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: 13006

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: 1382

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: 1382

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: 1382

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: 1382

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: 1079

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 ...
by minesweep
Mon Jun 06, 2016 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Plan Edited question
Replies: 11
Views: 1756

Re: Retirement Plan

The target date fund fees at T Rowe Price are .58% versus .14% at Vanguard. This could be a something for you to consider, at least for your IRA’s . There would be no tax considerations in switching but you may not prefer having two different fund families. All other things being equal the savings w...
by minesweep
Mon Jun 06, 2016 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Vang. Federal vs. Prime Money Market accts
Replies: 6
Views: 1173

Re: Vang. Federal vs. Prime Money Market accts

I take it you father has a brokerage account with Vanguard. If so, then this is the reason: Vanguard email about settlement fund change Your father can keep writing checks from his Prime Market Fund. I have a brokerage account with Vanguard but I don't have the Federal Money Market Fund established ...
by minesweep
Wed Jun 01, 2016 1:14 pm
Forum: Investing - Theory, News & General
Topic: "Vanguard Developed Markets Index Fund now tracking new FTSE index."
Replies: 22
Views: 2942

Re: "Vanguard Developed Markets Index Fund now tracking new FTSE index."

Was this the Vanguard Tax-Managed International fund at one time not too long ago? Yes. The old Developed Markets Index was merged into Tax-Managed International, but the Developed Markets Index name was retained. The ticker symbol is VTMGX, retained from Tax-Managed International. In addition, wit...
by minesweep
Tue May 31, 2016 11:50 am
Forum: Investing - Theory, News & General
Topic: This Bull Seems to be Getting Pretty Long In the Tooth
Replies: 76
Views: 7708

Re: The market is DOWN the last 12 months

Seems as though the S&P 500 has had a huge, nearly continuous, rise since 2008-9. Anyone getting weary? Anyone pondering taking some risk off the table and cooling off the AA? Anyone struggling with whether to pay a capital gains tax? Dave Dave: The S&P Index (not counting dividends) is dow...
by minesweep
Tue May 31, 2016 10:15 am
Forum: Investing - Theory, News & General
Topic: Do you own Vanguard actively managed Equity funds?
Replies: 48
Views: 4361

Re: Do you own Vanguard actively managed Equity funds?

Taxable Account (70%) Capital Opportunity Fund since March of 1998. Due to capital gains I won’t sell it. All dividends & capital gains go to money market fund. I purchased the Healthcare Fund in taxable back in May of 2000 but sold it in December of 2008 (tax loss harvest). Tax-Managed Small C...
by minesweep
Wed May 25, 2016 9:50 am
Forum: Investing - Help with Personal Investments
Topic: Can I still contribute to a 401k if I no longer work for the company?
Replies: 11
Views: 1040

Re: Can I still contribute to a 401k if I no longer work for the company?

If the value of the stock went up because of the merger I would count my blessings and move on. JMO.
by minesweep
Mon May 23, 2016 7:35 am
Forum: Investing - Help with Personal Investments
Topic: Is it possible to pull $150K from 401K and use it for "investment" land purchase
Replies: 11
Views: 1480

Re: Is it possible to pull $150K from 401K and use it for "investment" land purchase

I've been wanting to pull around $150 out of my 401K investment account and use it to purchase land I'd like to develop for such things as chestnut, walnut, and pecan production. Is there a way to do this without paying a penalty on the 401K withdrawal? I live in Oklahoma if that matters. Thank you...
by minesweep
Sun May 22, 2016 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Still double checking bank checkbook math?
Replies: 46
Views: 2819

Re: Still double checking bank checkbook math?

I keep my checkbook on an Excel spreadsheet and generally double check. The bank does not seem to make mistakes though from time to time I do (forgetting to enter data). Me too. I use cell colors to indicate completed transactions and reconciled balance. Now that transactions (check charges and dep...
by minesweep
Sat May 21, 2016 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Vg Prime MM Fund vs. VG Ultra ST Bond Fund
Replies: 23
Views: 1919

Re: Vg Prime MM Fund vs. VG Ultra ST Bond Fund

If you were of a mindset you could open an online savings account at Ally Bank ( I did). The current yield is 1%. No volatility to worry about and you receive an interest rate that's comparable to WUSFX.
by minesweep
Sat May 21, 2016 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Vg Prime MM Fund vs. VG Ultra ST Bond Fund
Replies: 23
Views: 1919

Re: Vg Prime MM Fund vs. VG Ultra ST Bond Fund

Although short-term bond funds tend to have a higher yield than money market funds, their share price fluctuates. Because the Ultra-Short-Term Bond Fund will subject investors to principal risk, the fund shouldn’t be viewed as a substitute for a money market fund. Additionally, increases in interes...
by minesweep
Sat May 21, 2016 7:40 am
Forum: Investing - Theory, News & General
Topic: Carl Icahn Is Betting Big on a Stock Market Crash
Replies: 32
Views: 7707

Re: Carl Icahn Is Betting Big on a Stock Market Crash

What’s the likelihood the stock market this year will experience a 1987- or 1929-style crash? Evidently quite high, according to billionaire investor Carl Icahn. His net equity position as of the end of March was 150% short—a very aggressive bet that the stock market will plunge. Nor is Icahn alone...
by minesweep
Sun May 15, 2016 11:26 am
Forum: Investing - Help with Personal Investments
Topic: REIT investment
Replies: 27
Views: 3430

Re: REIT investment

As long as you're not performance chasing REIT's then go for it. I have owned them in the past but I don’t have any room for them in my tax advantaged space (71 % of my portfolio is taxable). They have outperformed so if the worm turns will you have the stomach to stay invested for the long haul. As...
by minesweep
Sat Apr 30, 2016 2:25 pm
Forum: Investing - Theory, News & General
Topic: Selling in May and Walking Away?
Replies: 106
Views: 9711

Re: Selling in May and Walking Away?

You may have hell to pay if you sell in May. Come December you may be shouting: “Mayday, Mayday, Mayday”.
by minesweep
Wed Apr 20, 2016 12:26 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3267
Views: 780542

Re: U.S. stocks in freefall

Sometimes there are so many warning flags waving that you have to pay attention, other times not so much. Now is a time where technical analysis, and economic logic are screaming, hey, it's June, the ice is melting but you're still standing in the middle of the lake like it's mid winter. I never wa...
by minesweep
Wed Apr 13, 2016 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: 40 year old New Investor with $1,000,000 + in invest
Replies: 27
Views: 5028

Re: 40 year old New Investor with $1,000,000 + in invest

The enemy of a good plan is the perfect plan. You are suffering the paralysis of analysis. Do SOMETHING. Pick an Asset allocation. Pick a timeframe (less than 2 years) and dollar-cost-average into your selected allocation every month. Otherwise you will still be sitting here in 6 months, trying to ...
by minesweep
Wed Apr 06, 2016 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: Investing during recession
Replies: 32
Views: 2868

Re: Investing during recession

Deleted post.
by minesweep
Wed Mar 30, 2016 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Please help a newer investor
Replies: 15
Views: 972

Re: Please help a newer investor

2) Asset Allocation: I've read a decent number of books to come up with my proposed asset allocation. I know I'm a little off my goals currently, and plan to rebalance as new funds come in. I sacrificed international stocks to be able to get into admiral shares in my Roth. Are my fund choices good ...

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