Search found 66 matches

by pocketplayer
Tue Mar 21, 2017 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Inheritance Investing Advice
Replies: 8
Views: 809

Re: Inheritance Investing Advice

The 90% of the inheritance is based on the sale of a house. If my dad passed tomorrow, the house is to be sold within six months which I why I want a plan because I will have to move and am trying to prepare to think now when I will be hit with a lot of emotions. My sibling and I do not see eye-to-e...
by pocketplayer
Tue Mar 21, 2017 12:27 am
Forum: Investing - Help with Personal Investments
Topic: Inheritance Investing Advice
Replies: 8
Views: 809

Re: Inheritance Investing Advice

Man I love Bogleheads! Salient, wise advise. I have always been very disciplined with investing. The emotional part of losing a parent overseas was rough enough, but the after impact was devastating. Never been close to my father so I gave up a very good salary (for an educator living tax-free w/no ...
by pocketplayer
Mon Mar 20, 2017 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: Inheritance Investing Advice
Replies: 8
Views: 809

Inheritance Investing Advice

Hi Bogleheads! I have shared previously I was working overseas and came back to the states to care for my father after my mom passed. I took most of my saving in Vanguard and retirement and put in money market. I shifted everything into Vanguard and almost all is in money market right now due to a l...
by pocketplayer
Wed Sep 16, 2015 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: HELP: 3 or 4 Fund Portfolio Model
Replies: 3
Views: 1321

Re: HELP: 3 or 4 Fund Portfolio Model

Thanks Duckie I would go for the three-fund portfolio. Also, although you can mirror the portfolio in each account separately (e.g. each account has 33% US stocks, 14% international stocks, and 53% bonds) it's generally better to spread the AA across all of the accounts. Here's an example using an A...
by pocketplayer
Tue Sep 15, 2015 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: HELP: 3 or 4 Fund Portfolio Model
Replies: 3
Views: 1321

HELP: 3 or 4 Fund Portfolio Model

Following Laura's thread on logistics and reading Taylor's 3 Fund Model thread I seek to finalize my portfolio and understand a few questions on balance. One thing this forum has helped with is the ability to ask good questions...and I am very much in process here. It might not look like much below,...
by pocketplayer
Thu Aug 27, 2015 1:21 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey - Help Me Understand His Investing Strategy
Replies: 96
Views: 15296

Re: Dave Ramsey - Help Me Understand His Investing Strategy

We've exhausted this topic, but it is very good to discuss because Dave and others have a huge influence on the general population. People coming to Bogleheads brings their presuppositions and the patience of this forum is what makes it so unique. It is part of the mission imo. Maybe these can be a ...
by pocketplayer
Wed Aug 26, 2015 3:52 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads Los Angeles meetings
Replies: 113
Views: 11197

Re: Bogleheads Los Angeles meetings

Hmmm, I mentioned possibly hosting here in the SFV, Burbank area with no feedback. It would have to be a Sat or Sun when my dad is gone allowing for at least 5-6 solid hours. BBQ available, large living room, TV for whatever. Nice house and area. Just an offer. What is a tentative agenda for these m...
by pocketplayer
Mon Aug 24, 2015 8:39 pm
Forum: Investing - Theory, News & General
Topic: Buy, Hold, Sell
Replies: 14
Views: 2181

Re: Buy, Hold, Sell

I think what Pocketplayer means is that when the market gets too rough for him, he moves his money from a mutual fund into his money market account at the same place (perhaps Vanguard) and his reasoning is that he is "holding" his money safe in the money market rather than keeping it in t...
by pocketplayer
Mon Aug 24, 2015 3:10 pm
Forum: Investing - Theory, News & General
Topic: Buy, Hold, Sell
Replies: 14
Views: 2181

Re: Buy, Hold, Sell

Thank you...I have been schooled and made a decision based on wrong thinking. I did fare well in 2008 and because I am out of work in a very unstable period of life with some heavy family drama, did want some security, especially in my taxable account which I am living off of now. If I couldn't slee...
by pocketplayer
Sun Aug 23, 2015 9:18 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey - Help Me Understand His Investing Strategy
Replies: 96
Views: 15296

Re: Dave Ramsey - Help Me Understand His Investing Strategy

I heard him say in his broadcast is recommending "balanced" funds because they are less risky than the actual stock market and that he has purchased balanced funds for short-term investments. In the same spiel, he started out by saying that he'd never own a bond fund because it is just as...
by pocketplayer
Sun Aug 23, 2015 9:09 pm
Forum: Investing - Theory, News & General
Topic: Buy, Hold, Sell
Replies: 14
Views: 2181

Re: Buy, Hold, Sell

Well, I guess I am trying to learn here as well. My meaning of HOLD means put in money market while the market drops. If this is selling than I guess I do sell...primarily with my taxable acct I am living off of right now. Can't risk losing my lifeline. Maybe someone can elaborate what "sell&qu...
by pocketplayer
Sun Aug 23, 2015 5:20 pm
Forum: Investing - Theory, News & General
Topic: Buy, Hold, Sell
Replies: 14
Views: 2181

Buy, Hold, Sell

With recent market news, ALL is ever hear is stay the course or sell options. Why doesn't anyone talk about holding? In 2007, I put my investments in money markets keeping the min balance for each. This is not something I do but in rare circumstances by mainly keeping my ears open. When the market d...
by pocketplayer
Sun Aug 23, 2015 3:27 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey - Help Me Understand His Investing Strategy
Replies: 96
Views: 15296

Re: Dave Ramsey - Help Me Understand His Investing Strategy

I left in 2010 and at that time Dave really pushed specific mutual funds from a local rep. That was about as specific as he got. The company was not about investment knowledge. It was never discussed. What Dave does personally few really know. He was very good with strong boundaries. He has a very l...
by pocketplayer
Sat Aug 22, 2015 11:13 pm
Forum: Investing - Help with Personal Investments
Topic: The 3 Fund Idea Applied ?
Replies: 3
Views: 767

Re: The 3 Fund Idea Apllied ?

OK...will look into these. Thank you.
by pocketplayer
Sat Aug 22, 2015 2:35 pm
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads Los Angeles meetings
Replies: 113
Views: 11197

Re: Bogleheads Los Angeles meetings

Let's get this going...in SFV and we are in LA after all...gotta be a lot of people to gather.
Would be great to BBQ if someone is willing to open their home...I might be able to
accommodate if the weekend is right. That is always the challenge...time and date.
by pocketplayer
Sat Aug 22, 2015 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Portfolio Allocation?
Replies: 4
Views: 529

Re: Roth IRA Portfolio Allocation?

just chimed in because didn't want you to be a lonely thread wondering why nobody took the time. :happy The three fund portfolio thread is a good read...it can be confusing and I am also working through it. I tend to not be shy in trying to learn here and will PM a member on a comment they make to h...
by pocketplayer
Sat Aug 22, 2015 1:51 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey - Help Me Understand His Investing Strategy
Replies: 96
Views: 15296

Re: Dave Ramsey - Help Me Understand His Investing Strategy

I cannot add to what has already been said, but might have a more personal insight. This poster summed it up well imo; There have been many threads on Dave Ramsey. Generally, many believe he is helpful to people when it comes to debt issues, but when it comes to investment he is not in the BH way of...
by pocketplayer
Fri Aug 21, 2015 11:33 pm
Forum: Investing - Help with Personal Investments
Topic: The 3 Fund Idea Applied ?
Replies: 3
Views: 767

The 3 Fund Idea Applied ?

I have been reading a thread on the 3 fund portfolio and have decided to transfer all my accts to Vanguard. I have a Roth IRA, 403b, and personal taxable investments, mainly in the Total Stock Market Admiral Index fund. Roth is from Investco, 403b from American Funds, and the rest in Vanguard. I can...
by pocketplayer
Thu Aug 20, 2015 8:38 pm
Forum: Investing - Theory, News & General
Topic: A bad day on Wall Street -- A good day for the media.
Replies: 51
Views: 6568

Re: A bad day on Wall Street -- A good day for the media.

If you're 50, you've got four decades of financial planning ahead of you lol...I wish I was that optimistic about my health situations. I come here for sanity and reason. My biggest blow was Monday I was about to pull out of the market because of various sources and hesitated. I have two other thre...
by pocketplayer
Thu Aug 20, 2015 6:31 pm
Forum: Investing - Theory, News & General
Topic: A bad day on Wall Street -- A good day for the media.
Replies: 51
Views: 6568

Re: A bad day on Wall Street -- A good day for the media.

Those of us over 50 do not have the 25-30 years, so the confidence is short sighted.

This is scary stuff for someone like myself...on Monday I was about to move my
accts into a VG MM fund keeping the min balance open because of China and some
research about an impending bull market.
by pocketplayer
Wed Aug 05, 2015 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: Helping Dad Out: How to Simplify
Replies: 12
Views: 1312

Re: Helping Dad Out: How to Simplify

The TAX GUY suggestion was bulls eye...I think that is the ticket! He is on good standing with him and a life long neighbor. He has done his taxes for many years now. Round robin conversation...hilarious. I kid you not, if Everyone Loves Raymond was still on, my dad is Frank. I could write some scri...
by pocketplayer
Wed Aug 05, 2015 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: Helping Dad Out: How to Simplify
Replies: 12
Views: 1312

Re: Helping Dad Out: How to Simplify

If you're saying he's "scattered," that's a big problem. YES...a HUGE problem! Thanks...the MAIN issue is getting pops to talk and make sense. Classic conversation... Son: "Dad...can you list the accounts you hold to start with so we can have an idea what you hold." Dad: "I...
by pocketplayer
Wed Aug 05, 2015 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: Helping Dad Out: How to Simplify
Replies: 12
Views: 1312

Helping Dad Out: How to Simplify

My dad is almost 89 and finally is willing to discuss the realty he will not live forever. That said, today he mentioned he does not care about making any money, all he wants to do is preserve what he has for inheritance purposes. He is finally dealing with getting a proper trust together, but alway...
by pocketplayer
Wed Aug 05, 2015 1:46 pm
Forum: Investing - Theory, News & General
Topic: Apple & the Market:
Replies: 15
Views: 2104

Re: Apple & the Market:

Thanks guys...this was a real help and support...the "lean on me" effect. My mind is not right and trying to get clear focus difficult. I even thought of converting a mini van to a camper and hitting the road (researching this got me out of my head for a week)...then went to a motel for a ...
by pocketplayer
Tue Aug 04, 2015 4:47 pm
Forum: Investing - Theory, News & General
Topic: Apple & the Market:
Replies: 15
Views: 2104

Re: Apple & the Market:

Thanks...I am not a market timer and love this forum. We are on the same page. Most of my adult life I have been very sane and reasonable. I am 52. Then life took a hard turn with the loss of a family member, loss of job, and a deep depression. I know many reading this were like myself when I heard ...
by pocketplayer
Tue Aug 04, 2015 1:01 pm
Forum: Investing - Theory, News & General
Topic: Apple & the Market:
Replies: 15
Views: 2104

Apple & the Market:

How a deeper dive by Apple could crush this market http://www.marketwatch.com/story/how-a-deeper-dive-by-apple-could-crush-this-market-2015-08-04 Can you respond to this? At times my head is overloaded with strategy and need some support. I am living off savings and this type of news scares me. I ha...
by pocketplayer
Thu Oct 17, 2013 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: Boglehead Wisdom on Family Will & Inheritance
Replies: 19
Views: 2267

Re: Boglehead Wisdom on Family Will & Inheritance

Thanks for all the advice and thoughts. Yes...since my mother passed, my father saw a grief counselor and this helped a lot. Since this stopped, things have gone back to procrastination. I have encouraged my dad to see someone again or the both of us. He agrees, but will not make the effort. When I ...
by pocketplayer
Wed Oct 16, 2013 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Boglehead Wisdom on Family Will & Inheritance
Replies: 19
Views: 2267

Re: Boglehead Wisdom on Family Will & Inheritance

Thank you kindly for your replies... The greatest challenge I have is getting my dad to FOCUS. The nature of our relationship is very sensitive regarding these matters. I see them are important, and he see them as me trying to control things. This taps into the imbalanced relationship between he and...
by pocketplayer
Wed Oct 16, 2013 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Boglehead Wisdom on Family Will & Inheritance
Replies: 19
Views: 2267

Boglehead Wisdom on Family Will & Inheritance

Hello... (This thread seeks someone who understands how challenging family relations can be and the toll they can take on one's heart and mind related to a family will and inheritance) It has been sometime since I have posted here. I was working overseas in the Middle East as an educator until my mo...
by pocketplayer
Fri Sep 21, 2012 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: HELP: Rollover Options
Replies: 2
Views: 275

Re: HELP: Rollover Options

Thank you...will look that over!
by pocketplayer
Thu Sep 20, 2012 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: HELP: Rollover Options
Replies: 2
Views: 275

HELP: Rollover Options

Hello BH family... It's been over a year since my last post. Since then, life has taken a bit of a downturn. I am out of work, disabled, and living in a van down by the river... not exactly, but a motorhome by a river right now. I have no income and am trapped right now in this country town. I am 20...
by pocketplayer
Thu Aug 11, 2011 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer Confusion w/Vanguard Frequent Trading Policy
Replies: 7
Views: 1777

I appreciate the push to call... I went on Skype and gave it a try...I got through and cleaned this up. I was on the right track...the pending acct was in process. That needed to be completed before I could exchange another. Bottom line: Making the call was the way to go! Thanks for your input. This...
by pocketplayer
Thu Aug 11, 2011 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer Confusion w/Vanguard Frequent Trading Policy
Replies: 7
Views: 1777

.

Thanks... Trying to understand your post. I have 4 funds, not 3. Prime MM VFINX VTSMX VTSAX (newly opened account as of a few days ago) Regarding conversion of one fund into another, I see no option for this, only Buy; Sell; Exchange...this is what is confusing at this point. Sequence is as follows:...
by pocketplayer
Thu Aug 11, 2011 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Exchange Timing
Replies: 13
Views: 5341

...

My initial exchange went through...any idea what is going on here now;
viewtopic.php?p=1145315#1145315

I am still trying to figure this out.
by pocketplayer
Wed Aug 10, 2011 11:13 pm
Forum: Investing - Theory, News & General
Topic: Pay TV industry loses record number of subscribers
Replies: 33
Views: 3221

...

Torrent downloads are going to change everything. This has to be the wild west of the entertainment industry. Your only limitation is what to watch or listen to! NFL games are available if you can wait. Yet, this is the rub for sports, there is a great loss with NOT watching live. Most fans must see...
by pocketplayer
Wed Aug 10, 2011 11:01 pm
Forum: Investing - Help with Personal Investments
Topic: Today was a Really Bad Day
Replies: 148
Views: 23480

How can you tell if it's a bad day?

You get to your office and there is a guy there from OSHA, another from the EPA, another from the IRS and 60 minutes is filming all of it.


Now THAT was funny! :lol:
by pocketplayer
Wed Aug 10, 2011 10:14 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer Confusion w/Vanguard Frequent Trading Policy
Replies: 7
Views: 1777

Thanks... Exact funds are; VFINX VTSMX I had money in my Prime MM and these two funds needed to be combined into one fund, which is where VTSAX comes in. I opened the VTSAX fund, waited one day until the exchange took place (10K min + 1k from MM), and then tried to exchange both funds into the one f...
by pocketplayer
Wed Aug 10, 2011 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer Confusion w/Vanguard Frequent Trading Policy
Replies: 7
Views: 1777

Transfer Confusion w/Vanguard Frequent Trading Policy

Little Help needed... I rarely move money and am not a "timer" but recent market news caused me to make some needed exchanges with Vanguard accounts that needed rebalancing. The two accts in question have a few thousand dollars lurking that need rebalancing. I opened an account (VTSAX) and...
by pocketplayer
Wed Aug 10, 2011 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Exchange Timing
Replies: 13
Views: 5341

...

Thank you...this was indeed the case as noted in the above post.

I am not a "timer" so this is new to me...always a buy and hold investor and ventured outside my personal box because I did have some cash reserves or gun powder as noted with my Bogle peers. :)
by pocketplayer
Tue Aug 09, 2011 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Exchange Timing
Replies: 13
Views: 5341

...

if you are doing an exchange from one Vanguard fund held at Vanguard to another Vanguard fund held at Vanguard, then you would get the NAV next determined after your exchange was confirmed...Since funds only get their NAV determined once at the end of a day, that's the NAV you would get if you plac...
by pocketplayer
Tue Aug 09, 2011 11:32 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Exchange Timing
Replies: 13
Views: 5341

Vanguard Exchange Timing

Generally speaking, how much time does Vanguard take for an online exchange from one fund to another? My exchange was after hours. I assume the price is established next opening day...is this correct or when the exchange is actually processed?
by pocketplayer
Tue Aug 09, 2011 1:37 am
Forum: Investing - Theory, News & General
Topic: MSN Money Article: Warned About Market Crash 03/07
Replies: 1
Views: 414

MSN Money Article: Warned About Market Crash 03/07

A market crash in 2011? Count on it The bullish forecasts are dangerously wrong. Psychologically, it's hard for investors to ignore the happy talk and pull back from the market, but they should do so soon. http://money.msn.com/stock-broker-guided/a-market-crash-in-2011-count-on-it-marketwatch.aspx?...
by pocketplayer
Sun Aug 07, 2011 7:02 am
Forum: Investing - Help with Personal Investments
Topic: Offshore investments taxation
Replies: 18
Views: 2280

I'm in UAE as well...Al Ain
by pocketplayer
Fri Aug 05, 2011 9:22 pm
Forum: Investing - Theory, News & General
Topic: If ever there were a moment to market time, this is it.
Replies: 92
Views: 13515

Fred made his decision. He has to live with it. Many will reflect, analyze, and in the end, play it safe by waiting.

My question is;
Why Total Stock Market Index Fund (Admiral Shares-VTSAX) over ETF or VTSMX? Is the basic reason for Admiral the lower cost savings?
by pocketplayer
Mon Jul 04, 2011 12:30 am
Forum: Personal Finance (Not Investing)
Topic: Limiting your career by not moving
Replies: 24
Views: 4113

I was in your shoes six years ago.


I should have said, I was in similar shoes...agreed, he did not say he hated his job.
by pocketplayer
Sun Jul 03, 2011 1:38 am
Forum: Personal Finance (Not Investing)
Topic: Limiting your career by not moving
Replies: 24
Views: 4113

I was in your shoes six years ago. I hated my job and it began to create a lot of personal problems like drinking and smoking and... What I found out was this; 1. Sharing honest feelings/reflections to other men had interesting responses. I've seen a few here. Some just have a "suck it up"...
by pocketplayer
Sun Jul 03, 2011 1:11 am
Forum: Personal Finance (Not Investing)
Topic: Would you temporarily move to Australia?
Replies: 84
Views: 8054

WOW...this thread tapped a nerve. I am in the middle east for work...DUDE...4 months...are you kidding me? You must be really young...no kids, not married, but still hesitation? 4 months is a burp. Either there is something you are worried over or just not into this company. Sounds like you need a s...
by pocketplayer
Sat Jun 25, 2011 11:10 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Advice: Short-Term Work Contract
Replies: 7
Views: 832

Dandy Thank you...this is exactly what I was looking for. I appreciate the time and effort. I just need a strategy...a way to filter...options to work with. This helps a lot. Ally's Raise Your Rate CD's look of interest; option of increasing your rate once with our 2 year CD or twice with our 4 year...
by pocketplayer
Sat Jun 25, 2011 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Advice: Short-Term Work Contract
Replies: 7
Views: 832

Thanks... At this point, I am wanting a short-term investment. As stated, my job situation does not allow me to look beyond the next year. I am not sure how others might invest or strategize given similar circumstances. It would be great if I could say that the next five years would provide steady e...
by pocketplayer
Fri Jun 24, 2011 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Advice: Short-Term Work Contract
Replies: 7
Views: 832

Investment Advice: Short-Term Work Contract

Hi Bogleheads… I started a thread a few months ago seeking some investment advice on a balanced portfolio. I wanted to enter the market and received some solid feedback. Since that thread my job security has fluctuated much. I work in the Middle East and simply put you have to adjust to uncertainty....

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