Search found 1030 matches

by sometimesinvestor
Mon Feb 08, 2016 9:51 pm
Forum: Investing - Theory, News & General
Topic: "Politics and Investing Don't Mix"
Replies: 23
Views: 1957

Re: "Politics and Investing Don't Mix"

A completely different reason they don't mix. If I were a Republican I would be wealthier but in 2011 I invested in DEM ,an ETF that holds dividend paying emerging market stocks. It seemed like an investment combining boldness and safety (it was in a Roth IRA ) but at this time I am down 4k One can'...
by sometimesinvestor
Sat Feb 06, 2016 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: TSP asset allocation
Replies: 7
Views: 661

Re: TSP asset allocation

agree that some money in the G fund a fine idea.
by sometimesinvestor
Wed Feb 03, 2016 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Real estate taxes on estate for heirs
Replies: 17
Views: 1193

Re: Real estate taxes on estate for heirs

I hope the home was appraised before you sold it. As noted the cost basis is adjusted to the value at death so it may even be that there is a capital loss on the sake which could be passed through to the heirs.By the way the estate also has income from stock dividends CDs and in some case sale of st...
by sometimesinvestor
Wed Feb 03, 2016 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: New to Bogleheads: Portfolio advice please
Replies: 23
Views: 1639

Re: New to Bogleheads: Portfolio advice please

My position may not be popular but I don't think you will earn as much as 4% in a bond fund at current interest rates and I would consider putting money you are thinking of putting in your bond fund into paying off your mortgage . Its a no risk investment with a certain return. and will make your li...
by sometimesinvestor
Fri Jan 29, 2016 9:41 pm
Forum: Investing - Theory, News & General
Topic: how often to rebalance
Replies: 11
Views: 1200

Re: how often to rebalance

arcticpineapplecorp. wrote:No thanks...firefox says assetbuilder's certificate is not up to date.

Image


For what its worth I got no such warning from Chrome or my anti virus software but did get that warning from Firefox.
by sometimesinvestor
Thu Jan 28, 2016 1:30 pm
Forum: Investing - Theory, News & General
Topic: how often to rebalance
Replies: 11
Views: 1200

how often to rebalance

don't want to read the article ? go with once a year
https://assetbuilder.com/knowledge-cent ... -portfolio
by sometimesinvestor
Tue Jan 26, 2016 11:34 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Contrafund Pool Vs VIIIX
Replies: 36
Views: 3614

Re: Fidelity Contrafund Pool Vs VIIIX

I do agree that its a close decision and it probably won't matter much >Contrafund may be too large to outperform by a sufficient margin. I do think comparison to the Magellan situation is less reasonable . once Peter Lynch left i Magellan began to underperform . Several mangers followed and only th...
by sometimesinvestor
Sun Jan 24, 2016 9:06 am
Forum: Investing - Theory, News & General
Topic: when where and when not to index
Replies: 4
Views: 830

when where and when not to index

Actually the article is quite interesting but not long on USEFUL advice (it does make clear indexing large cap is appropriate) While the article does not emphasize the point for years it was easy to outperform the international indices (just avoid Japan) For that matter I am sure it was easy in retr...
by sometimesinvestor
Sun Jan 24, 2016 8:49 am
Forum: Personal Finance (Not Investing)
Topic: How [much] do CPAs charge for tax prep?
Replies: 15
Views: 1899

Re: How do CPAs charge for tax prep?

Since others have actually given an answer to your question (whats the charge) I will point out that tax software is appropriate for most people.The main value of a CPA is offering tax advice .If the persons only needed forma are A, B, D tax software at $35 or less is the way to go.. Of course if th...
by sometimesinvestor
Mon Jan 11, 2016 9:14 pm
Forum: Investing - Help with Personal Investments
Topic: TIPS - I Bonds vs mutual fund
Replies: 13
Views: 815

Re: TIPS - I Bonds vs mutual fund

For what its worth many "bond experts" are not optimistic at this time about TIPs. I have no idea if they are correct but it seems that the fact that I bonds have no downside is pretty appealing . If inflation starts to increase Tips funds would have more appeal but they will not perform w...
by sometimesinvestor
Sat Jan 09, 2016 12:07 pm
Forum: Investing - Theory, News & General
Topic: NY Real Estate vs. The Stock Market
Replies: 38
Views: 2450

Re: NY Real Estate vs. The Stock Market

Sorry , I am missing the point. Why is it important to win the debate with your parents ?It seems clear that buying a house i New York was not a serious error. If the issue is whether to invest some of their asets in the stock market at this time that's a different issue/.
by sometimesinvestor
Sat Jan 09, 2016 11:56 am
Forum: Investing - Help with Personal Investments
Topic: Open a Roth at 52 yrs old?
Replies: 7
Views: 698

Re: Open a Roth at 52 yrs old?

Tax bracket is the primary driver of the decision though its of some value to have both kinds of accounts in some situations possibly depending on your states laws.
by sometimesinvestor
Fri Jan 08, 2016 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: 529 plans with Nexgen and T. Rowe Price - help!
Replies: 5
Views: 329

Re: 529 plans with Nexgen and T. Rowe Price - help!

ewitching is fine but not switching is also probably fine.In mid july 2914 thE S+P 500 was around 1980 which was slightly higher than it is today. How badly did the price funds do?Any gain even if small would look pretty good
by sometimesinvestor
Fri Jan 08, 2016 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for review of my investment approach
Replies: 6
Views: 526

Re: Looking for review of my investment approach

Its fine but as implied by Fivek if the market goes to 1650 and starts going up institute your program , THere are "experts" at CNBC that suggest numbers similar to yours and that may be where you got that idea,but these numbers (usually based on recent bottoms) are not so precise that the...
by sometimesinvestor
Fri Jan 08, 2016 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Which of these horrible funds should my girlfriend choose for her 401k?
Replies: 20
Views: 1352

Re: Which of these horrible funds should my girlfriend choose for her 401k?

I agree with those who suggest investing to the point where you take full advantage of the match.I just think the employer should get more credit He is minimizing his cost so he can provide a match. Plus in general American funds are decent performers in spite of their high expense ratio which is ac...
by sometimesinvestor
Fri Jan 08, 2016 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Help explain I bonds through treasury direct?
Replies: 7
Views: 593

Re: Help explain I bonds through treasury direct?

Its a diversification. Better than a TIPS fund in that there is no downside risk (though possibly less gain)
by sometimesinvestor
Fri Dec 25, 2015 8:39 pm
Forum: Investing - Theory, News & General
Topic: humorous definitions of wall street terms
Replies: 2
Views: 468

humorous definitions of wall street terms

http://www.marketwatch.com/story/20-wor ... 1-20/print

Bogleheads may not lead the inherent advice so much but should get at leasta little laugh
by sometimesinvestor
Fri Dec 25, 2015 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct 2015
Replies: 34
Views: 3515

Re: TAX ACT 2015

amazon usually has a special offere in january and or february
by sometimesinvestor
Mon Dec 21, 2015 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: 24 Years Old in NYC
Replies: 7
Views: 1377

Re: 24 Years Old in NYC

I think you are doing well though I would suggest some changes in your taxable and 401k accounts. Basically in your 401k I would increase the S+P 500 share and decrease sharply your total international and total bond. on the other hand in your taxable account I would buy the vanguard NY tax free fun...
by sometimesinvestor
Fri Dec 11, 2015 10:49 pm
Forum: Investing - Help with Personal Investments
Topic: Simplify a portfolio made with hubris
Replies: 26
Views: 2798

Re: Simplify a portfolio made with hubris

You have lost money since April because the market is down(april 28 S+P 500 was around 2114, today around 2012 and I suspect international did worse;.In particular emerging markets have done badly lately, In a taxable account I would urge you to sell and take the tax loss but since these are not tax...
by sometimesinvestor
Wed Dec 09, 2015 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Confirm how 0% cap gains bracket works
Replies: 20
Views: 1605

Re: Confirm how 0% cap gains bracket works

chocolatemuffin wrote:She may get a step-up in cost basis for the inheritance in stock. It's something you may want to look into.

Yes if she inherited from a deceased person this year there may be almost no capital gain at all. There could even possibly be a capital loss.
by sometimesinvestor
Wed Dec 09, 2015 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: A few tax questions
Replies: 14
Views: 1374

Re: A few tax questions

Sorry not quite enough info to give you a good answer, For example you indicate you are bundling charity deductions.Does this mean you are making small contributions this year and expect to pay significant donations next year?. How about mortgage payments and possible state income tax. Are they larg...
by sometimesinvestor
Sat Dec 05, 2015 11:34 am
Forum: Investing - Theory, News & General
Topic: Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds]
Replies: 776
Views: 108141

Are Vanguard and Bogleheads in Trouble because of this case

[Thread merged into here, see below. --admin LadyGeek]

I confess I really don't understand this article and hope some can explain

http://www.newsweek.com/vanguard-whistl ... int-400901
by sometimesinvestor
Wed Dec 02, 2015 10:51 pm
Forum: Investing - Help with Personal Investments
Topic: Personal Capital says I'm way off track..what do you think?
Replies: 46
Views: 4545

Re: Personal Capital says I'm way off track..what do you think?

In your TSP I would be in the G fund https://www.tsp.gov/InvestmentFunds/Fun ... nce_G.html (no downside risk decent return)rather than than the F fund but I certainly don't understand the advisors criticisms (except for wanting your money)
by sometimesinvestor
Fri Nov 27, 2015 11:26 am
Forum: Forum Issues and Administration
Topic: Bogleheads Website - Security Cert Expired
Replies: 51
Views: 4965

Re: Bogleheads Website - Security Cert Expired

I know many of you know more about computers/servers etc but there is a distinction between bold and foolhardy. I got the notice last night and decided that the people who support this site would resolve the problem by Friday and frankly I did not consider trying to get to the site. As implied in th...
by sometimesinvestor
Thu Nov 26, 2015 9:32 am
Forum: Personal Consumer Issues
Topic: I received 'Money' magazine for free. Anyone read it?
Replies: 40
Views: 4237

Re: I received 'Money' magazine for free. Anyone read it?

Even if you ignore the investment articles,articles on taxes, where to live , consumer purchases cann be valuable
by sometimesinvestor
Thu Nov 12, 2015 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Portfolio w/my 401k Options
Replies: 9
Views: 815

Re: 3 Fund Portfolio w/my 401k Options

Is your account greater than 10k or will you be investing that much this year. The number is approximate but I am afraid that if your investment is small you may not be able to rebalance in your 3 fund portfolio(minimum amount needed for fund exchange being the issue and might better use the target ...
by sometimesinvestor
Sun Oct 18, 2015 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: Currently have 10 million invested, would appreciate feedback from Bogleheads
Replies: 23
Views: 2540

Re: Currently have 10 million invested, would appreciate feedback from Bogleheads

I think even with 10 million dollars the needed equipment and software to do HFT may be too high a cost to pursue this idea. If you really are such a successful investor I suggest you continue to do so. True HFT requires taking advantage of fraction of a second responses, Ordinary investors ,even go...
by sometimesinvestor
Tue Sep 22, 2015 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: 401K or pension? Friend needs to decide ASAP!
Replies: 19
Views: 1550

Re: 401K or pension? Friend needs to decide ASAP!

The 457 is probably roughly the sane as 401k with no contribution (both traditional(pre tax )and Roth ) are probably available
by sometimesinvestor
Thu Sep 10, 2015 8:07 pm
Forum: Investing - Theory, News & General
Topic: The 50 Top-Performing Mutual Funds of the Last 10 Years
Replies: 15
Views: 3001

Re: The 50 Top-Performing Mutual Funds of the Last 10 Years

quote="SpringMan"]Wow 51 pages, one gets tired of poking the forward arrow. I suppose that is to put more ads in front of us. The only Vanguard fund I saw was the actively managed Health Care fund. No index funds were present, it must have been a stock pickers market :) .[/quote] Actually ...
by sometimesinvestor
Mon Sep 07, 2015 12:56 pm
Forum: Investing - Theory, News & General
Topic: Is this a bad time to enter the stock market? (For a Roth IRA)
Replies: 33
Views: 2641

Re: Is this a bad time to enter the stock market? (For a Roth IRA)

[ I compare the returns from the Vanguard Total Stock Market Index and from V Target Retirement 2035. The returns for V. Total Stock Market seem to always be higher. its ts a risk thing. Diversification leads to reduced volatility but not necessarily better performance especially when the market goe...
by sometimesinvestor
Mon Sep 07, 2015 9:52 am
Forum: Investing - Theory, News & General
Topic: Is this a bad time to enter the stock market? (For a Roth IRA)
Replies: 33
Views: 2641

Re: Is this a bad time to enter the stock market?

I think the end of 1972 and the beginning of 2000 were obviously bad times to enter the stock market. On the other hand an even worse time was the end of 2007 but I don't think that was an OBVIOUSLY bad time. If you are going to be investing a good deal more over a long period of time than 3k starti...
by sometimesinvestor
Sun Sep 06, 2015 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: capital gains tax questions--switching to a three-fund portfolio
Replies: 20
Views: 1981

Re: capital gains tax questions--switching to a three-fund portfolio

Under current tax law taxable income over 400k is taxed VERY heavily so it is unlikely to be correct to sell all this year.I agree with Livesoft who is usually correct that selling losers now is correct but I didn't sense you had many losers. If your current portfolio is doing roughly as well as thE...
by sometimesinvestor
Sun Sep 06, 2015 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: Ibonds to Vanguard short term inflation protected bond
Replies: 9
Views: 1035

Re: Ibonds to Vanguard short term inflation protected bond

i bonds have no downside risk, that has some value I would just not buy when the bonds yield 0. They do currently but i don't believe they will after Nov,1
by sometimesinvestor
Sun Sep 06, 2015 6:59 pm
Forum: Investing - Theory, News & General
Topic: ETF vs Mutual/Index Funds
Replies: 9
Views: 686

Re: ETF vs Mutual/Index Funds

One factor is whether you pay a commission to buy and or sell .You don't if you buy vanguard funds from Vanguard ishares from Fidelity or Schwab funds from Schwab/If you do pay commissions mutual funds may work out better if you are engaging in a large number of small transactions
by sometimesinvestor
Fri Sep 04, 2015 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: Which fund to invest in
Replies: 26
Views: 2501

Re: Which fund to invest in

RuralAvalon is asking some good questions.Your suggestion to consider the 2055 suggests your surely younger than 35. Everyone on this board will tell you investing in a sector fund(Health in this case ) is imprudent which does not mean wrong or crazy but does mean bold there is a fine line between b...
by sometimesinvestor
Mon Aug 31, 2015 11:50 am
Forum: Forum Issues and Administration
Topic: [forum running at] Slow speed
Replies: 71
Views: 4880

Re: Slow speed

!2:50 speed has NOT improved
by sometimesinvestor
Mon Aug 31, 2015 11:49 am
Forum: Forum Issues and Administration
Topic: [forum running at] Slow speed
Replies: 71
Views: 4880

Re: Slow speed

!2:50 speed has NOT improved
by sometimesinvestor
Sat Aug 29, 2015 7:46 pm
Forum: Investing - Theory, News & General
Topic: The Superinvestors of Graham-and-Doddsville
Replies: 12
Views: 1214

Re: The Superinvestors of Graham-and-Doddsville

Larry did load the dice against sequx by using 1999 which was one of Sequoia's worst years(it owned no tech stocks) my memory is that Berk shire also underperformed that year by a lot for the same reason. There are very few funds (perhaps none that outperform every year as different human managers t...
by sometimesinvestor
Sat Aug 29, 2015 2:34 pm
Forum: Investing - Theory, News & General
Topic: Plunge Protection Team (PPT)
Replies: 16
Views: 1302

Re: Plunge Protection Team (PPT)

Don't confuse this with the PPP Princess Protection Program which is very effective (see the Disney movie of the same name for details)
by sometimesinvestor
Fri Aug 28, 2015 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: stock index fund in taxable vs. Roth account?
Replies: 11
Views: 660

Re: stock index fund in taxable vs. Roth account?

Seems likea Roth account is wrong given that this is an investment in foreign stocks .Why not take advantage of the foreign tax credit .Of course if tou will havea foeign tax credit greater than $300 single or $600 joint(a very large international position) . the extra cost if you have to pay someon...
by sometimesinvestor
Fri Aug 28, 2015 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: If stocks dropped 30% next Monday, would you rebalance?
Replies: 103
Views: 6735

Re: If stocks dropped 30% next Monday, would you rebalance?

An unlikely scenario but I would rely on my 87 experience and rebalance about a month later .
by sometimesinvestor
Thu Aug 27, 2015 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Contrafund Pool Vs VIIIX
Replies: 36
Views: 3614

Re: Fidelity Contrafund Pool Vs VIIIX

Matt is just wrong about the Contrafund record Search for contrafund. Find the morningstar link and then click on maximum not 10 year. You will find since 67 it has done a bit more than twice as well as the S+p 500 . The comments about past performance being no guarantee are absolutely correct . but...
by sometimesinvestor
Thu Aug 27, 2015 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Would money market fund be a good place to put emergency money?
Replies: 11
Views: 1987

Re: Would money market fund be a good place to put emergency money?

The best place I think would be a savings account at an internet bank like Ally, Discover and some others. You might also look at smarty pig http://www.smartypig.com The idea is to get some return (perhaps as much as .9% ) The idea is that you want to be able to get your money quickly but get a non-...
by sometimesinvestor
Sun Aug 23, 2015 9:21 am
Forum: Investing - Theory, News & General
Topic: Kind of getting excited about energy stocks
Replies: 50
Views: 4779

Re: Kind of getting excited about energy stocks

Right or wrong I suggest the semi chicken approach. When your next cd comes due buy Exxon XOM . Sometime in out years 1-5 it will be higher than it is today.At that point you can sell (outperforming any cd you might have purchased) or hold for a bigger gain. There seems to be a strong consensus that...
by sometimesinvestor
Thu Aug 20, 2015 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Defined benefit versus contribution plan
Replies: 12
Views: 1205

Re: Defined benefit versus contribution plan

[quote="psteinx"]How old are you? Is there is no vesting at all for the employer match/contribution on the DC plan? If you had to guess, what the rough % chance you last 5 years? 10? 20? until age 65ish?[/quote These are the important questions. Defined benefit best if you stay 7 years els...
by sometimesinvestor
Thu Aug 20, 2015 2:54 pm
Forum: Investing - Theory, News & General
Topic: anyone treating this as an RBD (really bad day)
Replies: 95
Views: 10612

anyone treating this as an RBD (really bad day)

I personally am not . I am sufficiently concerned that I won't buy a dip less than 15%
by sometimesinvestor
Wed Aug 19, 2015 10:25 am
Forum: Investing - Help with Personal Investments
Topic: Questions about drawing down a taxable account (funded with tax free money) to fund tax deferred accounts
Replies: 7
Views: 454

Re: Questions about drawing down a taxable account (funded with tax free money) to fund tax deferred accounts

a sure 5-6% may be better than a risky 10%(historic stock market return ) what are your loan rates? Paying them off quickly may be best though a lot depends on the rate>
n
by sometimesinvestor
Mon Aug 17, 2015 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: I don't think these people have consumers best intersts at heart
Replies: 10
Views: 2066

I don't think these people have consumers best intersts at heart

Don't know if you have seen their ads (videos can be found on the site. I don't know what the issue they are fighting for that will be to the benefit of consumers but maybe someone can clarify / [link to "secure family . org" removed - if you want to view it, copy the URL and remove the sp...

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