Search found 71 matches

by kareysue
Wed Dec 02, 2020 8:53 pm
Forum: Personal Investments
Topic: VDE vs VGENX? Why is VDE so much better?
Replies: 5
Views: 372

VDE vs VGENX? Why is VDE so much better?

For my parents they own both since they work in the energy sector. But I notice lately VDE is doing pretty well but VGENX has done poorly and VGENX seems to be holding much more cash. I thought they were both energy funds by vanguard and have similar investment approaches
by kareysue
Tue Nov 24, 2020 2:26 am
Forum: Investing - Theory, News & General
Topic: Anyone here mostly cash in portfolio?
Replies: 210
Views: 21809

Re: Anyone here mostly cash in portfolio?

If they have more money than they need, it's fine to stay in cash. No reason to risk & lose life savings. Cash is not risk free, it is exposed to significant inflationary risk. That is somewhat true but in the past 20 years inflation has been null. I wonder if inflation will ever come back. I i...
by kareysue
Tue Nov 24, 2020 2:23 am
Forum: Investing - Theory, News & General
Topic: Anyone here mostly cash in portfolio?
Replies: 210
Views: 21809

Re: Anyone here mostly cash in portfolio?

Since the March lows I've made a mistake of selling almost all of my equities. With everything up now, I realized I made a big mistake. Anyone in a similar situation and what did you end up doing? Kareysue, I took the liberty of searching your previous posts here. What I see is someone who is undis...
by kareysue
Tue Nov 24, 2020 2:19 am
Forum: Investing - Theory, News & General
Topic: How do Bogleheads cope with FOMO? [Fear Of Missing Out]
Replies: 256
Views: 15286

Re: Need reassurance - having FOMO

It is better than holding ee bonds or ibonds which is what i have most of. Haven't made much of anything
by kareysue
Tue Nov 17, 2020 4:40 am
Forum: Investing - Theory, News & General
Topic: Anyone here mostly cash in portfolio?
Replies: 210
Views: 21809

Anyone here mostly cash in portfolio?

Since the March lows I've made a mistake of selling almost all of my equities. With everything up now, I realized I made a big mistake. Anyone in a similar situation and what did you end up doing?
by kareysue
Wed May 20, 2020 1:43 am
Forum: Personal Investments
Topic: What single individual stock would you buy?
Replies: 164
Views: 15884

Re: What single individual stock would you buy?

why you think wfc is good. it seems to be so cheap right now for some reason like other banks? you don't think it may collapse?
by kareysue
Tue May 05, 2020 7:39 pm
Forum: Personal Investments
Topic: Anyone have issue with treasurydirect when modifying name on bank account?
Replies: 0
Views: 180

Anyone have issue with treasurydirect when modifying name on bank account?

I have a treasurydirect account but I notice for the name on bank account, rather than my name it has been account number under the name. It gives me the option to modify that. Just wondering if I modify that if it would lock me out. Because I read in the forums when adding new bank accounts it woul...
by kareysue
Thu Apr 16, 2020 8:50 pm
Forum: Personal Investments
Topic: Anyone preparing to sell all their stock holdings to raise cash?
Replies: 36
Views: 3285

Re: Anyone preparing to sell all their stock holdings to raise cash?

Jack FFR1846 wrote: Thu Apr 16, 2020 8:49 pm Uh.....no.
With the way the economy is going you don't think the market will fall back to the lows of march 17?
by kareysue
Thu Apr 16, 2020 8:48 pm
Forum: Personal Investments
Topic: Anyone preparing to sell all their stock holdings to raise cash?
Replies: 36
Views: 3285

Anyone preparing to sell all their stock holdings to raise cash?

Since the market is getting close again to the highs set early this year do you guys plan to sell into the rally tomorrow and raise cash so during the next downturn we will have more cash to buy stocks?
by kareysue
Wed Apr 01, 2020 9:07 pm
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 366
Views: 32922

Re: How much you lost/gain since Feb 20,2020 ?

Not going to answer because who cares, we’ve all lost money. Posting anyways just to proclaim how annoyed I am when friends tell me how much they’ve lost. In my eyes it’s just an indirect way of bragging about how much money people have. “I’m down $200k already!” <— when someone says this, I don’t ...
by kareysue
Wed Apr 01, 2020 9:05 pm
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 366
Views: 32922

Re: How much you lost/gain since Feb 20,2020 ?

vipertom1970 wrote: Wed Apr 01, 2020 6:28 pm 3/23/20 -815K
4/1/2020 -548K

over all last 25 years +350%
what do you invest in mostly? and did you do any reallocation at this time
by kareysue
Wed Apr 01, 2020 9:04 pm
Forum: Personal Investments
Topic: Anyone here depressed just looking at their portfolio?
Replies: 122
Views: 7723

Anyone here depressed just looking at their portfolio?

My portfolio everyday when logging into vanguard is just red and red. Seems depressing just looking at it. How are you guys coping (for people who lost money) in the market now?
by kareysue
Wed Apr 01, 2020 5:54 pm
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 366
Views: 32922

Re: How much you lost/gain since Feb 20,2020 ?

GatorFL wrote: Wed Apr 01, 2020 12:33 pm Up .39% since 02/20/20, excluding contributions, up .37%.

Thankful...

Gator
how were you so lucky to be down so little
by kareysue
Mon Mar 23, 2020 12:22 am
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 366
Views: 32922

Re: How much you lost/gain since Feb 20,2020 ?

i was wondering is it possible for stocks to hit 0. I mean the market keeps going down. Why don't the government stop the market or something so it won't keep going down
by kareysue
Sun Mar 22, 2020 10:03 pm
Forum: Personal Investments
Topic: Selling 100% stocks on a bounce
Replies: 256
Views: 22695

Re: Selling 100% stocks on a bounce

Any risk in shorting the market tomorrow? Since everyone say it is a down day what is risk
by kareysue
Sat Mar 21, 2020 9:09 pm
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 366
Views: 32922

Re: How much you lost/gain since Feb 20,2020 ?

All Seasons wrote: Sat Mar 21, 2020 9:07 pm Down 9.6%

Yawn.
wow you are lucky how come you are down so little. i am down over 30% from s and p
by kareysue
Sat Mar 21, 2020 2:08 am
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 366
Views: 32922

Re: How much you lost/gain since Feb 20,2020 ?

vipertom1970 wrote: Sat Mar 21, 2020 1:42 am down 695K as of today but also been buying a lot more.
Do you buy individual stocks or mutual funds ? and what do you think of shorting
by kareysue
Fri Mar 20, 2020 9:15 pm
Forum: Personal Investments
Topic: Unprepared for Potential Great Depression Part 2
Replies: 245
Views: 24676

Re: Unprepared for Potential Great Depression Part 2

I was prepared for this black swan event in my investment portfolio, but underestimated the potential for a second great depression. I have been calling for low annualized returns over the next decade since mid 2019 and made a permanent change in asset allocation in mid 2019. What I did not foresee...
by kareysue
Mon Mar 16, 2020 6:54 pm
Forum: Personal Investments
Topic: All in VTSAX, probably not the smartest move I've made, seeking advice
Replies: 57
Views: 5284

Re: All in VTSAX, probably not the smartest move I've made, seeking advice

You are down very little. I am down almost 50%. I invested some in individual stocks and cruise stocks
by kareysue
Mon Mar 16, 2020 2:39 am
Forum: Personal Investments
Topic: Thinking to switch bonds to stock
Replies: 11
Views: 967

Re: Thinking to switch bonds to stock

When did you switch to bonds? that was smart move if you did it before the crash
by kareysue
Thu Mar 12, 2020 5:08 pm
Forum: Investing - Theory, News & General
Topic: How is this pandemic different than 2008?
Replies: 137
Views: 7697

How is this pandemic different than 2008?

I notice in 2008 the market crash a lot but this pandemic seems different but it seems to fall faster than in 2008. The world was prepared for another financial crisis but it was not prepared for a pandemic because this has never happened before?
by kareysue
Thu Mar 12, 2020 5:05 pm
Forum: Personal Investments
Topic: Who is staying course and how are you dealing with net worth going down?
Replies: 359
Views: 27075

Re: Who is staying course and how are you dealing with net worth going down?

I don't know if this counts as staying the course, but I am throwing huge amounts of cash in the market and watching it evaporate! I was 100% cash - 0% stocks at the start of 2020, and have been throwing money into stocks. It is strangely exciting - in a masochistic sort of way - to see your money ...
by kareysue
Thu Mar 12, 2020 4:57 pm
Forum: Personal Investments
Topic: How many people with 7 figure portfolios are”rejoicing ?”
Replies: 169
Views: 14678

Re: How many people with 7 figure portfolios are”rejoicing ?”

I am 35% stocks and 65% bonds and these past days i am losing sleep. Never seen a market drop so hard in my life. And I am pretty conservative
by kareysue
Thu Mar 12, 2020 4:35 am
Forum: Personal Investments
Topic: New investor, regret minimization & leverage - recipe for disaster?
Replies: 14
Views: 854

Re: New investor, regret minimization & leverage - recipe for disaster?

I think you are young. So nothing to worry about. But just wait for the market to settle first. How do you know the market won't fall back to 2008 levels? With democratic president, low oil prices, and other possible black swan events, maybe you can look into buying ibonds or more conservative inves...
by kareysue
Thu May 24, 2018 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Received a 1099-R Form Late
Replies: 19
Views: 2402

Re: Received a 1099-R Form Late

Thanks for all your help. The broker decided to leave the 1099-R the way it is and not do anymore corrections since they said it will take too much of their time. Too many unknowledgable people there so I didn't want to stir any more pot and just leave everything the way it is. Everytime I call I ge...
by kareysue
Wed May 16, 2018 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Received a 1099-R Form Late
Replies: 19
Views: 2402

Re: Received a 1099-R Form Late

Yes I know I want to do the 5 year rule where I withdraw everything by the end of the 5th year. I don't have to do annual rmd, I can do it all at the end of the 5th year after death
by kareysue
Tue May 15, 2018 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Received a 1099-R Form Late
Replies: 19
Views: 2402

Re: Received a 1099-R Form Late

Sorry for all the confusion. I have double checked all the correct terminology to the best of my knowledge. OK, is this correct? 1) You requested a distribution in 2017 (perhaps the inherited Roth RMD?), but the custodian did not make the distribution until 2018. Yes I requested it be dated 2017 or...
by kareysue
Tue May 15, 2018 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Received a 1099-R Form Late
Replies: 19
Views: 2402

Re: Received a 1099-R Form Late

I apologize for using the incorrect terms. No contribution was done to the Inherited roth ira. Just that the distribution was done in 2018 but they marked it as 2017. So now they said they will correct it and put it back the way it was before. what they sent out was an error. One rep told me to send...
by kareysue
Tue May 15, 2018 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Received a 1099-R Form Late
Replies: 19
Views: 2402

Re: Received a 1099-R Form Late

I just got a notice today from custodian
they said will do a new 1099-r with a removal of excess. They will reclassify the $5000 contribution to 2018.
I was wondering if they were to do this would they properly do it? Would they do a corrected 1099-r with a $0 amount?
by kareysue
Sat May 12, 2018 2:17 am
Forum: Personal Finance (Not Investing)
Topic: Received a 1099-R Form Late
Replies: 19
Views: 2402

Re: Received a 1099-R Form Late

Thanks you are helpful. Yes it was with scottrade but they merge with ameritrade so I am not able to print out the statements since it has been so long. The ROTH IRA was indeed opened back in 2004 or 2005 I believe
Thanks for your help. You are a good relief
by kareysue
Sat May 12, 2018 1:10 am
Forum: Personal Finance (Not Investing)
Topic: Received a 1099-R Form Late
Replies: 19
Views: 2402

Re: Received a 1099-R Form Late

They issued in 2017 because I sent it in 2017. They originally told me I past the deadline then they told me they won't issue the 1099-R but they issued it anyways today which is 1 1/2 months after the due date. In reality it is simple to do but the CPAs has a required minimum fee of $500 if i do an...
by kareysue
Fri May 11, 2018 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Received a 1099-R Form Late
Replies: 19
Views: 2402

Received a 1099-R Form Late

I received a 1099-R Form with several thousands dollar under Gross Distribution box 1 and the box 2b taxable amount not determined and distribution code T. Basically I complained to my broker asserting that the 2018 distribution was suppose to be for tax year 2017. They told me they won't fix it and...
by kareysue
Thu May 10, 2018 8:58 pm
Forum: Personal Consumer Issues
Topic: Currently under father and mother auto policy
Replies: 8
Views: 933

Currently under father and mother auto policy

Currently under father and mother auto policy. There are three vehicles in the household. If father is removed from the policy would the rate increase? Me being the daughter and 30 but father is 85 and mother is 53
by kareysue
Tue Aug 04, 2015 1:00 pm
Forum: Personal Investments
Topic: Form 5500 - Ez questions
Replies: 21
Views: 2372

Re: Form 5500 - Ez questions

Hi,
Do you think this is important enough where I should amend it or just leave it alone? I don't want to raise any eye brows or anything. Not sure how common or uncommon this error is because I notice a lot of guides don't mention about this either. Thanks
by kareysue
Mon Aug 03, 2015 10:33 pm
Forum: Personal Investments
Topic: Form 5500 - Ez questions
Replies: 21
Views: 2372

Re: Form 5500 - Ez questions

Just bumping this up to see if anyone has any input Thanks
by kareysue
Sat Aug 01, 2015 11:44 pm
Forum: Personal Investments
Topic: Form 5500 - Ez questions
Replies: 21
Views: 2372

Re: Form 5500 - Ez questions

I mailed the form out yesterday but I am not sure if I made a mistake or not The return I checked A 1, the first return filed for the plan 3.) the final return for the plan and 4 a short plan year. I terminated the plan on december 29, 2015 and already rollover the funds to a traditional ira. But fo...
by kareysue
Fri Jul 31, 2015 1:30 pm
Forum: Personal Investments
Topic: Form 5500 - Ez questions
Replies: 21
Views: 2372

Re: Form 5500 - Ez questions

oh when i go to that option it says: "Sign up for a Vanguard brokerage account. You'll have the flexibility to diversify your portfolio with Vanguard ETFs® and other investment products" I think I only signed up for the vanguard mutual fund side. I checked my current traditional ira and i ...
by kareysue
Fri Jul 31, 2015 1:22 pm
Forum: Personal Investments
Topic: Form 5500 - Ez questions
Replies: 21
Views: 2372

Re: Form 5500 - Ez questions

I was wondering regarding 2R. Since vanguard brokerage accounts only let you purchase vanguard funds would 2R still apply?
by kareysue
Fri Jul 31, 2015 5:29 am
Forum: Personal Investments
Topic: Form 5500 - Ez questions
Replies: 21
Views: 2372

Re: Form 5500 - Ez questions

One other question, I recently rolled over the plan to a rollover ira on december 28, 2014. That was the date that my vanguard solo 401k also closed. For part 1 when it ask for the beginning and ending date do i put 12/31/2014 or 12/28/2014? Also, if 3a's information is the same as 2a can I put the ...
by kareysue
Thu Jul 30, 2015 12:37 pm
Forum: Personal Investments
Topic: Form 5500 - Ez questions
Replies: 21
Views: 2372

Re: Form 5500 - Ez questions

ok thanks for your help. This form is almost due July 31 so I am mailing it tomorrow with these codes.
by kareysue
Tue Jul 28, 2015 10:28 pm
Forum: Personal Investments
Topic: Form 5500 - Ez questions
Replies: 21
Views: 2372

Re: Form 5500 - Ez questions

What does that mean? As a solo 401 administrator I kept the funds at vanguard, but i used 401kadministrators.com to administer it.
by kareysue
Tue Jul 28, 2015 3:59 am
Forum: Personal Investments
Topic: Form 5500 - Ez questions
Replies: 21
Views: 2372

Re: Form 5500 - Ez questions

Thanks for your answers ERISA Stone. What does 2R mean?
by kareysue
Sun Jul 26, 2015 1:52 pm
Forum: Personal Investments
Topic: Form 5500 - Ez questions
Replies: 21
Views: 2372

Re: Form 5500 - Ez questions

Hi,
Just wondering what is 3D? I never got any letter from IRS regarding my plan. Also, with 2R, my solo 401k plan was administrated by me but Vanguard was the custodian, is that what this means?
by kareysue
Sun Jul 26, 2015 5:13 am
Forum: Personal Investments
Topic: Form 5500 - Ez questions
Replies: 21
Views: 2372

Form 5500 - Ez questions

I am trying to fill out a form 5500-ez for my the final year of my solo 41k. I was wondering since this is my first year filing since my solo 401k never exceeded 250k, for line 1b - three-digit plan number do I just put 001 and since my assets were transffered from my solo 401k to my rollover ira on...
by kareysue
Wed Jul 01, 2015 3:21 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3405
Views: 571786

Re: What are you up YTD?

-18 basis points. Invested in oil and storage space and they all went down
by kareysue
Thu Jun 18, 2015 2:56 am
Forum: Personal Finance (Not Investing)
Topic: Possible to file a 1099-R correction electronically or does it have to be done over the mail?
Replies: 16
Views: 5899

Re: Possible to file a 1099-R correction electronically or does it have to be done over the mail?

Hi Alan, Thanks again for your help. Actually the amount on the 5498 is higher than the amount on the 1099-R which I had created. The reason why the amount on the 5498 reflected a higher amount of the rollover is because when the transfer of the mutual fund took place there were accrued dividends an...
by kareysue
Wed Jun 17, 2015 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Possible to file a 1099-R correction electronically or does it have to be done over the mail?
Replies: 16
Views: 5899

Re: Possible to file a 1099-R correction electronically or does it have to be done over the mail?

Hi Alan S, Thanks for your explanation. But just wondering since my 1099-R and the 5498 differs by a couple hundred dollars and does include Vanguard mutual funds, is it essential that I do a correction to a 1099-R or leave it the way it is? Because in my case, the 5498 is about a couple hundred dol...