Search found 1049 matches

by sometimesinvestor
Tue May 03, 2016 2:35 pm
Forum: Investing - Theory, News & General
Topic: Does T.R. Price add value for its investors
Replies: 13
Views: 1442

Re: Does T.R. Price add value for its investors

Couldn't help noticing that Larry didn't examine the performance of TRP capital appreciation which might be the most often owned TRP fund of people who visit this site. I assume the problem is that it is not comparable to any index fund or even a 60-40 mix which might be a reasonable comparison)
by sometimesinvestor
Tue May 03, 2016 2:19 pm
Forum: Personal Consumer Issues
Topic: Ally's Webroot Secure anywhere Antivirus software - any good?
Replies: 6
Views: 466

Re: Ally's Webroot Secure anywhere Antivirus software - any good?

webroot secure is relatively idiot proof. it updates itself and warns you that a sight you are planning to go to is risky
by sometimesinvestor
Mon May 02, 2016 10:46 pm
Forum: Investing - Theory, News & General
Topic: Stable Value Fees
Replies: 9
Views: 816

Re: Stable Value Fees

JUst another vote for ignoring the expense ratio . Its the yield that counts given that you have a respectable firm (usually an insurance company ) that's providing the stable value fund
by sometimesinvestor
Mon Apr 18, 2016 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Tax filing help!! standard vs itemized? passive or general category income?
Replies: 11
Views: 800

Re: Tax filing help!! standard vs itemized? passive or general category income?

if you are not concerned about possible privacy issues(unlikely to be a problem you might mention what state you are from which could help people give you a better answer on state tax issues/ as noted mutual funds as far as the tax credits concerned are passive income but if you are single you dont ...
by sometimesinvestor
Sat Apr 16, 2016 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: I Bonds before end of the month?
Replies: 20
Views: 3648

Re: I Bonds before end of the month?

Another vote for buying now. In recent year there mostly has not been any fixed rate> There is now so take advantage of it. An alternative is to buy half now and half after May 1 . That way you won't be very wrong
by sometimesinvestor
Sat Apr 16, 2016 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Do I need an Irrevocable Life Insurance Trust?
Replies: 3
Views: 376

Re: Do I need an Irrevocable Life Insurance Trust?

I would wait till you have child before worrying about estate tax as the problem really arises with the second death. Re NY taxes if your estate is over 1.,05x $4.1 million dollars the whole thing is potentially taxable The figure is not an exemption but the first roughly $4.1 is taxed on the whole ...
by sometimesinvestor
Tue Apr 12, 2016 8:26 am
Forum: Investing - Theory, News & General
Topic: what is the draw of active management?
Replies: 37
Views: 2034

Re: what is the draw of active management?

There could be a legitimate case to be made for higher income people who will have a higher marginal tax rate in retirement to make a portion of their retirement investments in taxable. This is because all withdrawals from tax deferred accounts are taxes at higher ordinary income tax rates. Whereas...
by sometimesinvestor
Mon Apr 11, 2016 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: Experience with Fidelity?
Replies: 51
Views: 3597

Re: Experience with Fidelity?

I think many of us and perhaps most would prefer if Vanguard charged a tiny bit more than they do and inprroved service and the website. If you want it Fidelity offers lots more webinars but most are not useful to people who won't change their asset allocation and or investments based on what the he...
by sometimesinvestor
Mon Apr 11, 2016 8:42 pm
Forum: Investing - Theory, News & General
Topic: what is the draw of active management?
Replies: 37
Views: 2034

Re: what is the draw of active management?

Such financial professionals may be thinking about the good old days o the 70s and 8os and the 50s and 60s too but professionals who know about those years are retired or soon will be.. A factor that let Peter Lynch outperform (and he did ) was that he had access to much better info than the average...
by sometimesinvestor
Fri Apr 08, 2016 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401k
Replies: 54
Views: 3756

Re: Roth vs. Traditional 401k

i am surprised there is such a difference of opinion. This seems to me to be a fairly clear case though I may be overly optimistic about somebody who at age 26 is in the 25% bracket filing married joint will get promotions and other raises over the years/ I think most including me believe you should...
by sometimesinvestor
Tue Apr 05, 2016 8:01 pm
Forum: Personal Consumer Issues
Topic: Five Best National Parks to Visit?
Replies: 99
Views: 6741

Re: Five Best National Parks to Visit?

Thanks for all the recommendations! I want to see everything eventually, but am leaning towards Yosemite for my first trip. That seems like it'd be the easiest to get to, since I can fly direct to San Francisco and just drive from there. I think you can also get there from San Francisco by train. F...
by sometimesinvestor
Sun Apr 03, 2016 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Help me reduce my 2015 AGI!
Replies: 22
Views: 3920

Re: Help me reduce my 2015 AGI!

is ira for you possible .my guess is that you would have thought of that
by sometimesinvestor
Sat Mar 12, 2016 9:13 pm
Forum: Investing - Help with Personal Investments
Topic: Should I sell my Altria (tobacco) shares?
Replies: 18
Views: 1974

Re: Should I sell my Altria (tobacco) shares?

You see4m like you want to sell. I suggest you do an internet search and look at analysis of the stock on several web sites. THe search will help you decide. [OT comments removed by admin LadyGeek] Full disclosure I owned the stock when the dividend was over 5% and sold it when the yield dropped
by sometimesinvestor
Sun Mar 06, 2016 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Distribution of estate assets
Replies: 40
Views: 1697

Re: Distribution of estate assets

I am far from an expert in these matters but have the impression that taxes on capital gains for securities in a trust are often at a higher rate than for an individual if the capital gains are large This suggests that when you inherit it will be better if you sell so the taxation is at your rate. P...
by sometimesinvestor
Sun Feb 28, 2016 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block and DC tax payment
Replies: 3
Views: 353

Re: H&R Block and DC tax payment

I don't know the answer to your question but I have had good results calling H+R Block at the 800 number on their web site

1-800-472-5625.
by sometimesinvestor
Sun Feb 28, 2016 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me choose new job's 401(k) mutual fund elections
Replies: 9
Views: 700

Re: Please help me choose new job's 401(k) mutual fund elections

A fund you are overlooking is the stable value fund. For such funds thee expense ratio is probably not crucial what counts is the yield Unless its unusual the stable value fund will be basically no risk and offering a fair yield . If its above 2% I would seriously considerate.No one on this board wi...
by sometimesinvestor
Sun Feb 21, 2016 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need to pay taxes early on capital gains in order to avoid fines?
Replies: 13
Views: 1318

Re: Do I need to pay taxes early on capital gains in order to avoid fines?

Agree with those who suggest using your paycheck. Just jack up your withheld taxes on each paycheck) so by the end of the year you have withheld 110% of what you owed last year(line 44) on the 1040).For example . After computing the 110% figure subtract what you have already withheld from that numbe...
by sometimesinvestor
Sat Feb 20, 2016 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: How should I invest my money if I want to buy a house in 10-15 years
Replies: 5
Views: 695

Re: How should I invest my money if I want to buy a house in 10-15 years

I would buy a balanced fund like Vanguard wellington or if appropriate Vanguard Tax managed balanced. Also reasonable is a similar fund from Fidelity or T.Rowe price. My reasoning is A) a balanced fund iss likely less volitile ans so makes it unlikely you will sell at a bottom B) sort of similar but...
by sometimesinvestor
Wed Feb 17, 2016 3:56 pm
Forum: Personal Consumer Issues
Topic: 2 Days in Toronto (& Hilton Rewards Amex info)
Replies: 16
Views: 902

Re: 2 Days in Toronto (& Hilton Rewards Amex info)

Lots of things to do in Toronto but you only have 2+ days so what you should see depends in part on where you live currently (so you are familiar with certain types of entertainment) and your taste. As to the CN tower mentioned by you and others I would go for breakfast not dinner . It will feature ...
by sometimesinvestor
Mon Feb 08, 2016 9:51 pm
Forum: Investing - Theory, News & General
Topic: "Politics and Investing Don't Mix"
Replies: 23
Views: 2192

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: 744

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: 1269

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: 24
Views: 1913

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: 1310

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: 1310

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: 3994

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: 857

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: 2013

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: 927

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: 2649

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: 754

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: 357

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: 588

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: 1468

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: 649

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: 498

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: 52
Views: 5782

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: 1453

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: 3980

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: 1757

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: 1495

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: 777
Views: 117589

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: 50
Views: 6342

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: 5671

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: 4461

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: 967

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: 2622

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: 1598

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: 3095

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: 2732

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...

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