Search found 1180 matches

by sometimesinvestor
Sun Jun 17, 2018 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Take Advantage of Stable Value Fund?
Replies: 22
Views: 1299

Re: Take Advantage of Stable Value Fund?

[I think the comments about a long term horizon are irrelevant as no one should suggest a 30 year investment in a stable value fund. However with interest rates apparently expected to rise over the next year or two the stable income seems like a good choice now.I am uncertain when you should switch ...
by sometimesinvestor
Sun Jun 17, 2018 10:04 am
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 153
Views: 7237

Re: Which Supermarket are you?

Can I picka less expensive choice or are the two named the only ones under consideration.I agree with livesoft though I attend supermarkets not yet named and don't mind using the freezer . i.e location is the key factor
by sometimesinvestor
Sun Mar 04, 2018 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: California Tax Exempt GO Bonds - March 6th Offering
Replies: 2
Views: 543

Re: California Tax Exempt GO Bonds - March 6th Offering

State GO bonds are relatively safe((little credit risk)outside of Ill.I don't know how much you are planning to spend but purchasing a 5 year 10 year and 15 year bond should work out fairly well.If you will have need for the money in a few years you may want to adjust these dates. Trading bonds is e...
by sometimesinvestor
Mon Feb 26, 2018 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Any Ideas on How to Reduce Our Adjusted Gross Income?
Replies: 16
Views: 1976

Re: Any Ideas on How to Reduce Our Adjusted Gross Income?

+ 1 .If the abbreviation is too cryptic its a charity donation where you send all or part of your required distribution to charity/ You don't get a deduction for this but the distribution that goes to charity is not counted as income hence lowers your adjusted gross income. Note its your IRA that se...
by sometimesinvestor
Sun Feb 11, 2018 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: 401k pre-tax, Roth, or a blend?
Replies: 18
Views: 1375

Re: 401k pre-tax, Roth, or a blend?

Eventually you should have both kinds of IRA and at times 100% traditional but at your current age and income 100% ROth seems right. When eitherage or income changes significantly you can come back to this site for additional and perhaps different advice.
by sometimesinvestor
Tue Feb 06, 2018 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: 100K to invest - Need help/opinions.
Replies: 6
Views: 855

Re: 100K to invest - Need help/opinions.

The state you live in is not irrelevant unless you reject the idea of a 529(college savings plan) Fidelity may permit you to invest in one for your state if they don't offer one Also since it appears you are opening a taxable account a muni bond fund for your state may be best.Finally for the total ...
by sometimesinvestor
Mon Jan 29, 2018 10:59 pm
Forum: Personal Consumer Issues
Topic: Warning: 2017 HR Block program miscalculates federal tax (windows)
Replies: 16
Views: 1932

Re: Warning: 2017 HR Block program miscalculates federal tax (windows)

I don't see that it matters much. The IRS program will surely check the tax on the taxable income and find the error. If you overpay you will geta refund and IF you underpay I am sure Block will pay any penalty. For most of us I am sure Block is still doing updates and will make any needed correctio...
by sometimesinvestor
Mon Jan 29, 2018 9:25 am
Forum: Investing - Theory, News & General
Topic: WSJ: Wall Street to Vanguard: We’re Not Your Doormat [Fidelity charging some plans to hold Vanguard funds]
Replies: 63
Views: 11092

vanguard attacked by other firms

[merged into existing topic - moderator prudent]

there will be an impact on vanguard funds/etfs held with other firms

https://www.wsj.com/articles/wall-stree ... 1517157915
by sometimesinvestor
Thu Jan 11, 2018 4:59 am
Forum: Personal Finance (Not Investing)
Topic: Forget Customer Service--Vanguard has lousy Computers
Replies: 22
Views: 3347

Re: Forget Customer Service--Vanguard has lousy Computers

In my opinion,and this may reflect a lack of skill /confidence on my part , if something goes wrong with an online transaction, I make an effort to speak to a human.
by sometimesinvestor
Tue Jan 02, 2018 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: RMD First-Timer needs help
Replies: 33
Views: 2680

Re: RMD First-Timer needs help

Fidelity can certainly tell you how much has to be taken out for RMd. I imagine they will send you a check or make a direct deposit at your preference.No, they don't know your tax situation but that does not affect the size of the RMD.Your accountant can tell you the amount early in 2019 but could p...
by sometimesinvestor
Fri Dec 29, 2017 10:06 pm
Forum: Investing - Help with Personal Investments
Topic: Did I just make rookie mistake?
Replies: 19
Views: 3468

Re: Did I just make rookie mistake?

If you still have trouble understanding just follow the rule: Don't buy mutual funds in December ina taxable account. OF course you now know
1. You made a rookie mistake
2 Its not that big a deal and all of us have and will make bigger mistakes.
by sometimesinvestor
Wed Dec 27, 2017 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: New Tax Bill -- Should we open a Donor Advised Fund (DAF) before the end of the year?
Replies: 67
Views: 3415

Re: New Tax Bill -- Should we open a Donor Advised Fund (DAF) before the end of the year?

For reasons having to do with the minimum check you can write I would go with Fidelity rather than Vanguard. This would not be true if you don't make donations smaller than $500. Next year the standard deduction for married filing joint will be around 25K and and you will be able to use up to 10k in...
by sometimesinvestor
Tue Dec 26, 2017 11:02 pm
Forum: Investing - Help with Personal Investments
Topic: Where to save/invest $4.7k per month for next 10 years
Replies: 16
Views: 3011

Re: Where to save/invest $4.7k per month for next 10 years

I would be bolder given the long time period, Invest one year (12 x4.7k)in 40% s+p 500 + 60% in california tax free for the next 6- 8 years. If the market seems high then sell out and buy individual tax free bonds and CDs as appropriate maturing when you need the money. If the market does not seem r...
by sometimesinvestor
Tue Dec 26, 2017 10:47 pm
Forum: Investing - Help with Personal Investments
Topic: Can I afford a $600-650k house?
Replies: 60
Views: 7600

Re: Can I afford a $600-650k house?

I would wait a year and see what the impact of the new tax law is on property values in the DC area. Obviously waiting could be good or bad but you can use the year to build up retirement accounts, research the housing market and have more money fora down payment.
by sometimesinvestor
Tue Dec 26, 2017 10:32 pm
Forum: Investing - Help with Personal Investments
Topic: Should I preserve parents’ risky portfolio? Or “disobey” them?
Replies: 74
Views: 5429

Re: Should I preserve parents’ risky portfolio? Or “disobey” them?

Still not clear to me what disobey means. I would not touch the taxable accounts To me 100s of stocks sounds like a diversified portfolio to me. I suggest you look at the sectors of the stocks and see to what extent they overweight risky sectors, I would look at the 10 largest stock positions in the...
by sometimesinvestor
Tue Dec 26, 2017 9:56 pm
Forum: Investing - Theory, News & General
Topic: Will you take this Fidelity bait ?
Replies: 126
Views: 14924

Re: Will you take this Fidelity bait ?

It's A good idea to keep an eye on the situation I would not do it now but better offers are likely to be available at some point in the future
by sometimesinvestor
Tue Dec 26, 2017 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: New tax plan-62 year old convert to Roth before RMD?
Replies: 31
Views: 2806

Re: New tax plan-62 year old convert to Roth before RMD?

I agree with Grabiner . Basically do it over a period of years (you have 8)If your IRA/401k is large enough you will still have money in it at the time you reach 70+ but that's ok
by sometimesinvestor
Sun Dec 17, 2017 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Problem with H&R Block Tax Software Download
Replies: 10
Views: 825

Re: Problem with H&R Block Tax Software Download

A year ago I had a problem with the software. When I called H+R block I was sent a link and that worked fine so basically I am sure the problem will be resolved to your satisfaction but less sure someone on this site can help
by sometimesinvestor
Sun Dec 17, 2017 3:03 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Leveraged Company Stock (FLVCX)
Replies: 3
Views: 408

Re: Fidelity Leveraged Company Stock (FLVCX)

It worked very well from 2002 -early in 2008. Since then not as well.If energy comes back it may do well
by sometimesinvestor
Fri Dec 15, 2017 10:52 pm
Forum: Investing - Help with Personal Investments
Topic: 2017 tax help
Replies: 20
Views: 2040

Re: 2017 tax help

whether Roth conversions at the 28% level is worth it probably depends on how big your tax deferred accounts are or to put it another way what will your RMD be be in 6 years assuming a modest return 5-7% annually
by sometimesinvestor
Fri Dec 15, 2017 10:37 pm
Forum: Investing - Help with Personal Investments
Topic: I bonds: Should I put money on I bonds rather than keep them in a savings account
Replies: 26
Views: 3966

Re: I bonds: Should I put money on I bonds rather than keep them in a savings account

yes especially if you are in a state with significant state taxes as federal securities are not taxed by states.Also you have excellent liquidity after 5 years (no penalty for selling ) and decent liquidity after one year3 months interest penalty
by sometimesinvestor
Fri Dec 08, 2017 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: At what age did your net worth increase more than your gross income?
Replies: 2
Views: 765

Re: At what age did your net worth increase more than your gross income?

In 2009 like a lot of people Not sure my age at the time is relevant but my asset allocation 75-25 probably ist.
by sometimesinvestor
Tue Dec 05, 2017 9:31 am
Forum: Investing - Theory, News & General
Topic: Swapping funds in taxable account
Replies: 3
Views: 569

Re: Swapping funds in taxable account

I agree with earlier posters. ADjust your asset allocation over time with new purchases not the sale of this position. The reasons given do not seem to justify the tax expenditure
by sometimesinvestor
Thu Nov 30, 2017 9:44 am
Forum: Investing - Help with Personal Investments
Topic: Simple 3 fund portfolio in 401k - help?
Replies: 6
Views: 995

Re: Simple 3 fund portfolio in 401k - help?

As you have suggested it would take many funds to replicate the 3 fund portfolio. If simplicity is a goal go with a target fund. Age in bonds isa conservative allocation but it is important that you are comfortable so if that is most appealing go with it. One can always invest in two different targe...
by sometimesinvestor
Tue Nov 28, 2017 9:35 pm
Forum: Investing - Theory, News & General
Topic: What would trigger the NEXT market meltdown?
Replies: 19
Views: 1819

Re: What would trigger the NEXT market meltdown?

It might not trigger a meltdown but if the ten year treasury has a yield of 3.75% or over stocks would certainly be overpriced and many non buy and holders would get out
by sometimesinvestor
Wed Nov 22, 2017 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: GE - a good value?
Replies: 113
Views: 11577

Re: GE - a good value?

I realize Jim Cramer is not popular on this site but I thought his analysis of GE rently seemed pretty good to me. Basicaly, he said that at current levels GE was probably not a good investment. Its dividend yield (below 3) is comparable to Mcdonalds and P+ G both of which have much better cash flow...
by sometimesinvestor
Fri Nov 17, 2017 10:55 am
Forum: Investing - Help with Personal Investments
Topic: RMD account
Replies: 16
Views: 1596

Re: RMD account

All these funds would be reasonable choices but they vary in risk. I am uncertain whether at $105000(adding $54000 to your income is such that investing in tax free bonds, which is what balanced invests in is appropriate though my guess is that the decision may be close enough to not be important. I...
by sometimesinvestor
Thu Nov 09, 2017 1:29 pm
Forum: Personal Consumer Issues
Topic: What is the difference between retiring and resigning from a job?
Replies: 42
Views: 6617

Re: What is the difference between retiring and resigning from a job?

In practice telling your boss you are retiring makes it more likely you could return after a period of time than saying you are retiring so it may increase your flexibility
by sometimesinvestor
Thu Nov 02, 2017 11:44 am
Forum: Personal Finance (Not Investing)
Topic: HR Block Taxcut Pre-sale
Replies: 7
Views: 771

Re: HR Block Taxcut Pre-sale

My experience is that a better price will be available but if you want to explore scenarios before the end of the year this might be a decent deal.I wait to March before doing my taxes but that might not be your preference
by sometimesinvestor
Sun Oct 29, 2017 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited Ira - Help re: RMD from and ETF
Replies: 5
Views: 520

Re: Inherited Ira - Help re: RMD from and ETF

For reasons having something to do with taxes ( likely lower capital gains taxes next year) the stock market is not likely to go down much from current levels in 2017 though 5-10% is certainly possible.FOr this reason you may want to hold on till the DEc date Still FIdelity knows now(ITs based on De...
by sometimesinvestor
Sun Oct 29, 2017 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: Is it ok to have 100% stocks, 15 years+
Replies: 97
Views: 10295

Re: Is it ok to have 100% stocks, 15 years+

I agree with most of the comments especially those suggesting 80-20. The problem with 100$ stocks is that you may not be able to buy more equities near the bottom and that fact is a significant reason that 80-20 is just about as good as 100-0 and much easier to sleep with. THat fact you were not inv...
by sometimesinvestor
Tue Oct 24, 2017 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: International allocation in 401k
Replies: 9
Views: 622

Re: International allocation in 401k

Don't know if you file single or joint but its probably a good idea to have up to a 100k international in taxable (if single to take advantage of the foreign tax credit Single. What does this mean? The foreign tax credit is easy to take advantage of provided it is less than $300 if you file single ...
by sometimesinvestor
Tue Oct 24, 2017 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: International allocation in 401k
Replies: 9
Views: 622

Re: International allocation in 401k

Don't know if you file single or joint but its probably a good idea to have up to a 100k international in taxable (if single to take advantage of the foreign tax credit
by sometimesinvestor
Sun Sep 24, 2017 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Transferring IRA as Beneficiary While Avoiding Financial Adviser
Replies: 37
Views: 2909

Re: Transferring IRA as Beneficiary While Avoiding Financial Adviser

Forget Fidelity advisor but I think you should call Fidelity . THey may be willing to help when Vanguard didn't and they are much more likely to have a local office near where you live. Its only a phone call.
by sometimesinvestor
Fri Sep 22, 2017 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: long term care
Replies: 5
Views: 816

Re: long term care

It is my understanding that the best time to buy this insurance is in your late 50s. AS to whether you should depends on many factors(your health amount of assets, your parents history, whether you have kids and whether they live nearby etc. and Iagree the threads may help.
by sometimesinvestor
Sat Sep 16, 2017 6:27 am
Forum: Investing - Help with Personal Investments
Topic: Bipolar Investor Wants to Roll The Dice
Replies: 12
Views: 1969

Re: Bipolar Investor Wants to Roll The Dice

Obvious answer is emerging market but I want to make it clear I am answering the question not recommending it.
https://personal.vanguard.com/us/funds/ ... IntExt=INT
by sometimesinvestor
Thu Sep 07, 2017 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: inherited annuity question?
Replies: 19
Views: 1872

Re: inherited annuity question?

I believecadreamer is correct. Annuities do not result in a step up basis so whether or not it is an ira taxes will be owed. the issue is how much of the annuity is taxable
by sometimesinvestor
Fri Aug 18, 2017 1:14 pm
Forum: Investing - Theory, News & General
Topic: Here is a criticisim of active management I don't get
Replies: 24
Views: 2903

Here is a criticisim of active management I don't get

http://www.etf.com/sections/index-investor-corner/active-large-cap-hot-streak-doesnt-add?nopaging=1 If I am an active manager who does not pick stocks as well as the best stock picker but am smart enough to in 2017 invest some percentage of my fund in european stocks that are doing well why should i...
by sometimesinvestor
Sun Aug 13, 2017 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: Are these decent Fidelity options for simple portfolio?
Replies: 5
Views: 1016

Re: Are these decent Fidelity options for simple portfolio?

Your index choices are good/K shares are generally not that expensive and you should check the expense ratios for the active funds.Active management can outperform particularly if expenses are low.The main issue is whether the active management can still outperform but no one knows the answer to tha...
by sometimesinvestor
Thu Jun 29, 2017 9:25 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Choosing Funds for Utah/NY 529 Plans
Replies: 12
Views: 1389

Re: Help with Choosing Funds for Utah/NY 529 Plans

I am fairly familiar with NY.If you go NY pick age related aggressive and reexamine your options when the child is 12 or 13. At that time if performance has been great or the market has you worried reconsider but age related at younger ages will keep it simple but also satisfactory
by sometimesinvestor
Sat Jun 10, 2017 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: couple questions about SSA (67 vs 70) and breakeven points
Replies: 20
Views: 2600

Re: couple questions about SSA (67 vs 70) and breakeven points

Sorry , I was unwilling to check the math but have a few observations. Break even gets reduced because of the adjustments for inflation with the larger base arising from waiting. The decision fora single individual is mostly a matter of guessing how long you will live but unless your wife has earned...
by sometimesinvestor
Sun Jun 04, 2017 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Any Reasons I shouldn't switch 529 plan
Replies: 7
Views: 929

Re: Any Reasons I shouldn't switch 529 plan

By any chance do you work in NY and pay at least some NY taxes? In that case the ny plan ,which uses Vanguard also may have some tax benefits to you
by sometimesinvestor
Wed May 24, 2017 6:48 am
Forum: Investing - Theory, News & General
Topic: Another Millionaire Using Index Funds
Replies: 3
Views: 2275

Re: Another Millionaire Using Index Funds

Sorry . Its ok to be pro index funds but I doubt many readers would draw that conclusion out of this article. The subject turned his financial life around and there are useful lessons in the actions he took but he did NOT become a millionaire because of index funds though its possible that he made i...
by sometimesinvestor
Mon May 22, 2017 7:59 pm
Forum: Investing - Help with Personal Investments
Topic: Can you take these Core funds and Create a Three Fund Portfolio?
Replies: 29
Views: 3721

Re: Can you take these Core funds and Create a Three Fund Portfolio?

Most experts including John Bogle do not consider bonds (including BND) a great investment at this time. THis does not mean it won't be a good investment in a year or two, As a bond substitute for your 3 fund portfolio I would check out the return on the stable income fund. If its more than 1.50% I ...
by sometimesinvestor
Sat May 20, 2017 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: Which Fund to Buy in a Taxable Account?
Replies: 8
Views: 1213

Re: Which Fund to Buy in a Taxable Account?

There is always vanguards tax managed balanced fund perhaps combined with with an international fund if you can take advantage of the foreign tax credit
by sometimesinvestor
Fri May 19, 2017 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Question for you high net worth individuals... [real estate investments]
Replies: 82
Views: 13175

Re: Question for you high net worth individuals...

I confess I have not read most of the comments so this may be duplicative but it is wrong to invest in real estate unless you are capable of doing a good deal of the maintenance including late night calls to fix the leaking sink/ If you want to make a small investment in REITS go ahead as it won't b...
by sometimesinvestor
Fri May 19, 2017 7:35 pm
Forum: Investing - Theory, News & General
Topic: Interesting conversation with an alleged SS actuary
Replies: 63
Views: 7199

Re: Interesting conversation with an alleged SS actuary

Yes sinsles have it easier as they just have to guess how long compared to average they will live.Longer than average means delay.Married have other problems and a variety of strategies but any strategy might not work out for the best .It may be married couples should take out insurance against livi...
by sometimesinvestor
Thu May 18, 2017 5:32 pm
Forum: Investing - Theory, News & General
Topic: For those with $500k-$1m in investments...
Replies: 138
Views: 16020

Re: For those with $500k-$1m in investments...

I think its an age thing. I started investing in taxable as IRAs and Roth IRAS were not available.For about 5 years I invested in both.After 1986 I no longer invested in IRAs but started investing in 401k. (they were no longer deductible for me After I retired but before I was 70 I did some Roth con...
by sometimesinvestor
Fri Apr 21, 2017 9:42 am
Forum: Investing - Theory, News & General
Topic: I don't understand the case for EE bonds
Replies: 322
Views: 27375

Re: I don't understand the case for EE bonds

There has yet to be a 15-year period where stocks have lost money, but it's not impossible for it to happen in the future. Based on data in our Simba backtest spreadsheet, US stocks had a cumulative real return of -5% over the 17-year period 1965-1981 (inclusive). Of course that high-inflation peri...
by sometimesinvestor
Thu Apr 20, 2017 5:14 pm
Forum: Investing - Theory, News & General
Topic: I don't understand the case for EE bonds
Replies: 322
Views: 27375

I don't understand the case for EE bonds

Yes I understand that if I hold for 20 years I can get 3.5% though I am not sure what the return is if I hold it say for 22 years. My main reason for doubt is the unlikelihood of not getting a higher return in the stock market if I am in it for 20 years. I have read there is no 15 year period where ...