Search found 156 matches

by jms969
Fri Nov 21, 2008 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Energy Fund (VGENX) in Taxable or Tax Deferred?
Replies: 4
Views: 2762

My asset allocation includes a percentage of both the the Energy and precious metals funds. The precious metals fund will go in my tax deferred account and I have room to put the energy fund in either account. I don't presently hold either of these funds (because of valuation). Valuation is now maki...
by jms969
Thu Nov 20, 2008 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Energy Fund (VGENX) in Taxable or Tax Deferred?
Replies: 4
Views: 2762

Thanks for your input, very good info. I am really looking for a very simple thought on the energy fund (I do not invest using ETFs) as to taxable or tax deferred. I fully realize that it is portfolio and situation depndent. I am just wanting thoughts on relative tax efficiency.

JMS
by jms969
Mon Nov 17, 2008 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Energy Fund (VGENX) in Taxable or Tax Deferred?
Replies: 4
Views: 2762

Vanguard Energy Fund (VGENX) in Taxable or Tax Deferred?

What are your thoughts on where to to put the Vanguard Energy Fund (VGENX), in Taxable or Tax Deferred accounts?

Thanks,

JMS
by jms969
Mon Oct 13, 2008 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Back-testing software
Replies: 3
Views: 940

Re: Back-testing software

Are there available software tools that will let you look at a given portfolio of mutual funds or stocks to see what its performance has been over user-defined periods in the past? I've tried Googling this topic but can't find the right search string. Free software or spreadsheets would be nice, bu...
by jms969
Thu Oct 09, 2008 3:35 pm
Forum: Investing - Theory, News & General
Topic: Meltdown scenario questions
Replies: 6
Views: 2621

Thought I would resurrect this thread from one year ago :)
by jms969
Thu Sep 04, 2008 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Need advice on how to best invest $116,000...
Replies: 61
Views: 6717

Ok here ya go...

For now drop it into the Vanguard Money Market Prime money market fund. Do some research as to what your proper asset allocation should be and then redeploy the funds at that point.

Good luck,

JMS
by jms969
Mon Aug 25, 2008 5:01 pm
Forum: Personal Consumer Issues
Topic: Drop dead very best recipe
Replies: 44
Views: 9087

I grew up in Texas and my favorite is Lemon Chess Pie!!!

I will dig out the recipe and post it soon...
by jms969
Mon Jul 07, 2008 9:24 am
Forum: Investing - Theory, News & General
Topic: Medallion signature guarantee
Replies: 24
Views: 22482

Re: Medallion signature guarantee

I recall discussions of this in the past but my search didn't find any suggested solutions. A good friend needs a medallion guarantee. His bank, Wells Fargo, refused saying they only do it for their own documents. His broker, Ameritrade says they don't do it. What on earth is he supposed to do? Any...
by jms969
Mon May 19, 2008 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Corolla'97: New brakes and brake fluid flush
Replies: 14
Views: 3886

If the car uses a DOT 3 or DOT 4 brake fluid and most do, you should change the fluid every 3 to 5 years. This is particularly important on cars with anti-lock brakes. DOT 3 & 4 fluids are water miscible and as they absorb water the boiling point of the fluid will drop. DOT 5 fluids are silicone...
by jms969
Tue Apr 08, 2008 9:57 am
Forum: Personal Finance (Not Investing)
Topic: What should a boglehead do: buy used or new?
Replies: 46
Views: 9048

Personally I NEVER buy a new vehicle, all my cars, motorcycles etc were used. I have had very good luck with them, of course your mileage may vary.

Edit: I also tend to drive them until they have to be towed to the junk yard.
by jms969
Mon Apr 07, 2008 9:40 am
Forum: Investing - Theory, News & General
Topic: Real Homes of Genius
Replies: 10
Views: 3007

The grand daddy of all house bubble blogs is...

http://thehousingbubbleblog.com/index.html
by jms969
Fri Apr 04, 2008 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Will we still be flying in twenty years?
Replies: 46
Views: 8874

Had we created a robust passenger rail system along with the interstate system air travel would have simply been one leg of a 3 legged stool. As it is now the system is broken with less than reliable transportation means.
by jms969
Fri Apr 04, 2008 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Lotus Notes?
Replies: 19
Views: 4637

Re: Lotus Notes?

1. What have your experiences been like with Lotus Notes? Using it is like pulling teeth without Novocaine... 2. What steps did you take to mitigate the User Interface problems associated with it? We wrote quite a number of custom interfaces... 3. What type of firm does this software make sense for...
by jms969
Mon Mar 31, 2008 2:24 pm
Forum: Investing - Theory, News & General
Topic: South Korea No Longer Purchasing US Treasuries
Replies: 19
Views: 4507

Then as well I might ask why we need to buy 139 tanker planes from a foreign country and not from Boeing?? Some things do not add up to fairness. Because the A330 is superior aircraft to the 767. The 767 is on its last legs and the Airforce would be getting technologically dated equipment by going ...
by jms969
Sun Mar 30, 2008 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Sump Pump - Battery Backup
Replies: 22
Views: 9747

DaleMaley wrote:I'm surprised these are illegal in Wisconsin?? You should install a back-flow preventer valve in the water supply to the water powered sump pump.


Several municipalities in Wisconsin have banned their use.
by jms969
Thu Mar 27, 2008 10:37 am
Forum: Personal Finance (Not Investing)
Topic: The reality of a progressive future?
Replies: 39
Views: 6776

To the mods, this is a fun thread, please just move it to off topic...
by jms969
Thu Mar 27, 2008 10:14 am
Forum: Personal Finance (Not Investing)
Topic: The reality of a progressive future?
Replies: 39
Views: 6776

Unormal wrote:So if you don't want to or can't get educated, and there's nothing for the uneducated to do, what do you do with the uneducated?...


Soylent Green of course... Just kidding :lol: :lol: :lol: :lol: :lol:

http://en.wikipedia.org/wiki/Soylent_Green
by jms969
Wed Mar 26, 2008 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Sump Pump - Battery Backup
Replies: 22
Views: 9747

Re: Water Powered Sump Pump

I chose to use a water powered sump pump- also for $300. If you are on a municipal water supply, you can install a "basepump" that will use 1 gallon of municipal water to remove 2 gallons of sump water. The benefits of this are that it requires no maintenance and will last indefinitely in...
by jms969
Wed Mar 26, 2008 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Sump Pump - Battery Backup
Replies: 22
Views: 9747

I installed one on our pump this winter in anticipation of the spring thunderstorms (the power always seems to go out when you need your sump pump). You can get them at nearly any home improvement store. The back-up pump and battery cost me about $200 and it took me about an hour to install. Cheers,...
by jms969
Fri Mar 21, 2008 10:04 am
Forum: Investing - Help with Personal Investments
Topic: Congratulate me, I've done it!
Replies: 58
Views: 12597

They weren't nasty, but I had a similar experience with Fido. They sure got interested in me when the funds were already transferring to Vanguard, it was the only time in 10 years that they called me (vs me calling them). Too bad they didn't much care while my money was 'in their care.' I chuckled ...
by jms969
Fri Mar 21, 2008 9:59 am
Forum: Investing - Help with Personal Investments
Topic: Congratulate me, I've done it!
Replies: 58
Views: 12597

I disagree with the idea of investing in index funds. I know it is very fashionable to - there is practically a whole movement dedicated to index investing, but for my mind, investing in no load - low fee - actively managed - broad based fund - managed by a good staff at a reputible company will pr...
by jms969
Fri Mar 21, 2008 9:44 am
Forum: Investing - Help with Personal Investments
Topic: Congratulate me, I've done it!
Replies: 58
Views: 12597

My wife and I have been with Vanguard since we were married (I was with them before that). About 5 years ago we switched my mother's ML account and a trust that she and I are the trustee to Vanguard. The "advisor" for lack of a better term was just nasty about it. Insinuating that we were ...
by jms969
Fri Mar 14, 2008 9:18 am
Forum: Investing - Theory, News & General
Topic: Recessions, their length and market impact
Replies: 5
Views: 1437

Re: Recessions, their length and market impact

I was poking around the Wikipedia list of recessions: m The list does not strickly stick to the 2-quarters-of-declining-GDP definition, but pretty close. One thing I noticed is that even though the definition is 2 quarters, actual recessions tend to run 4 to 8 quarters (Not including the Great Depr...
by jms969
Thu Mar 13, 2008 4:33 pm
Forum: Investing - Theory, News & General
Topic: What is the deal with the dollar
Replies: 67
Views: 10737

Are there ANY other optimists out there? Why are so many people ready to jump ship? COME ON PEOPLE! We have been through much worse than this and survived! I very strongly believe that when you peek under the covers and see how bad the underlying fundamentals actually are the only time actually wor...
by jms969
Wed Feb 27, 2008 7:05 pm
Forum: Investing - Theory, News & General
Topic: New home prices have fallen back to Sept 2004 median price
Replies: 9
Views: 2063

When they get back to 2000 prices they will be about right...
by jms969
Mon Feb 25, 2008 2:55 pm
Forum: Investing - Theory, News & General
Topic: Seeking Opinions: How would you handle over $100 million
Replies: 58
Views: 11624

With a windfall of more than $100m aftertax one would not need to take on the risk of investing in stocks. I would spread it around a number of US Treasury money market funds and live off of the interest...

IMHO,

JMS
by jms969
Thu Feb 21, 2008 11:13 am
Forum: Investing - Help with Personal Investments
Topic: With TIPs Like These , Investors Need Advice
Replies: 17
Views: 5429

madcow wrote:Apologies to all. I'm still trying to learn , and become a useful contributor to the forum


Relax madcow, it is all good...
by jms969
Thu Feb 21, 2008 10:18 am
Forum: Investing - Help with Personal Investments
Topic: With TIPs Like These , Investors Need Advice
Replies: 17
Views: 5429

Moderators, madcow's post is total plagiarism from Brett Arends' article in today's Wall Street Journal. It was posted with no attribution whatsoever. It was posted in violation of international copyright law, in violation of the WSJ web site rules-of-use and in violation of the diehards rules-of-u...
by jms969
Sun Feb 10, 2008 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: I want to sell my own house...
Replies: 7
Views: 2293

We sold our last couple of houses ourselves without an issue (realtors don't like it one bit, one local large realtor had a guy that did nothing but harrass FSBOs). Of course the market is much different now. I would suggest that you sign up for one of the very low cost services to at least get your...
by jms969
Fri Feb 08, 2008 10:47 am
Forum: Investing - Theory, News & General
Topic: Inefficient mid-grade gas pricing?
Replies: 29
Views: 5440

market timer wrote:Interesting question. Are we sure that 89 octane can be created by the exact combination of 87 and 93 that you suggest?


It is actually not a linear relationship... but close enough for government work...
by jms969
Thu Feb 07, 2008 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: Will you cancel your landline phone?
Replies: 51
Views: 11486

We got rid of our landline more than 5 years ago... ...and never looked back.
by jms969
Mon Feb 04, 2008 3:10 am
Forum: Investing - Help with Personal Investments
Topic: The 401(k) rip-off
Replies: 57
Views: 14669

I feel extraordinarily fortunate that I was able through, a couple of job changes, and a spin off to roll all of my 401(k)'s (over my career) into Vanguard IRA's. I only have about $100k in my current 401(k), which is Vanguard administered. Since the plan is at Vanguard I have chosen to ignore the f...
by jms969
Wed Jan 30, 2008 2:33 am
Forum: Personal Finance (Not Investing)
Topic: Children as Luxury Goods
Replies: 157
Views: 32996

OK yet one more post (perspective) on the subject. When I was 14 (yup 14) I knew that I never wanted children. I found a like minded spouse in my 20s and we have never looked back. For us it was most definitely the right decision, for others it would most certainly be the wrong decision. Norak, rega...
by jms969
Thu Jan 24, 2008 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Watch your Paypal account if you have one!
Replies: 30
Views: 7258

OK, here is how you handle paypal. Open a separate checking account and only transfer the amount needed to complete a specific transaction and transfer all funds out immediately, similarly when using a credit card use a virtual account number aka citibank's virtual account program. Crooks cannot get...
by jms969
Mon Jan 21, 2008 6:37 pm
Forum: Investing - Theory, News & General
Topic: tomorrow going to be really ugly
Replies: 124
Views: 26095

Matt I think this prediction pretty safe, though no one knows for sure. For example the Fed might just decide to cut interest rates tomorrow say 1% and that might turn things around. But as of now the markets are set to open way down. And note I did not recommend anyone do anything about that "...
by jms969
Mon Jan 21, 2008 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Best strategy for car ownership to keep the costs down
Replies: 44
Views: 9875

Gotcha... I'm guessing you're referring to this guy: Scissor Lift ? I've been salivating over it for some time, however after buying the house the car "stuff" took a back seat. It sits in the garage... I'm lucky if I put 2k miles a year on it. I also only use OEM parts for maintenance (fl...
by jms969
Mon Jan 21, 2008 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Best strategy for car ownership to keep the costs down
Replies: 44
Views: 9875

I agree with Gekko... you could also add Honda / Acura to the list.... Good choices, the only downside compared to a Toyota is the Honda has an interference engine, if the timing belt goes, the valves can hit the cylinder and break. This makes for a much more expensive repair. This can be avoided b...
by jms969
Mon Jan 21, 2008 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Best strategy for car ownership to keep the costs down
Replies: 44
Views: 9875

On my cars as far as routing maintenance is concerned, fluid changes, brakes, tire rotation, shocks, etc. I do that all myself, including the routine service checks. For me it is therapy... And you never spill any fluids. You recycle all of them. No paper towels covered in oil go into your trash. G...
by jms969
Mon Jan 21, 2008 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Best strategy for car ownership to keep the costs down
Replies: 44
Views: 9875

I agree with Gekko... you could also add Honda / Acura to the list. The biggest single cost of ownership is depreciation, so if keeping costs down is the number one priority, buy used. BUT, you must take your time and be selective. Buying a 2002 Camry off of a used car lot is very risky compared to...
by jms969
Mon Jan 21, 2008 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Best strategy for car ownership to keep the costs down
Replies: 44
Views: 9875

I agree with Gekko... you could also add Honda / Acura to the list. The biggest single cost of ownership is depreciation, so if keeping costs down is the number one priority, buy used. BUT, you must take your time and be selective. Buying a 2002 Camry off of a used car lot is very risky compared to...
by jms969
Sun Jan 20, 2008 9:06 pm
Forum: Investing - Theory, News & General
Topic: How Does Vanguard Feel About Tax Loss Harvesting?
Replies: 6
Views: 1764

Who cares what Vanguard thinks... Do what you need to do to satisfy yourself!!!
by jms969
Fri Jan 18, 2008 12:07 am
Forum: Investing - Theory, News & General
Topic: how are you going to spend your 407€ from Uncle Ben?
Replies: 102
Views: 18241

I think you mean Helicopter Ben :lol:
by jms969
Sun Jan 13, 2008 11:24 am
Forum: Investing - Theory, News & General
Topic: When to take Social Security - Time Value of Money
Replies: 19
Views: 4347

I ran the same calculations long ago and I will take SS the exact moment I am elgible...
by jms969
Wed Jan 02, 2008 4:26 pm
Forum: Investing - Theory, News & General
Topic: 2008 BOGLEHEAD CONTEST REGISTRATION
Replies: 317
Views: 77296

1447
by jms969
Tue Dec 25, 2007 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: Does it make sense to rent for a year or two? v.Maryland
Replies: 18
Views: 3496

We are Vanguard Flagship investors and rent our house and will until prices are more reasonable. Real Estate prices are still significantly above the trendline with more downside than upside potential. The recent bubble is still deflating (remember stocks deflate with a pop, real estate deflate with...
by jms969
Sat Dec 22, 2007 9:29 pm
Forum: Investing - Theory, News & General
Topic: Dr. Ed Yardeni's "Fed Model"
Replies: 57
Views: 15067

Jacqueeagonsr, Wow who pooped in your post toasties? You have a world class financial mind giving freely of his expertise and you treat him with such great disdain... I suppose that you readily rely on your daily horoscope and read your tea leaves because they are more valid than the fed model... Ha...
by jms969
Sun Dec 09, 2007 11:57 am
Forum: Investing - Theory, News & General
Topic: Whole life insurance
Replies: 60
Views: 17623

The best week (most profitable in the long run for me) I ever had was 3 classes (one week) in a graduate finance course where the professor went into gory detail as to why you SHOULD NEVER BUY WHOLE LIFE INSURANCE and why it is such a scam... I am not going to waste the time here to reiterate many o...
by jms969
Fri Dec 07, 2007 7:22 pm
Forum: Investing - Theory, News & General
Topic: Insurance Providers
Replies: 76
Views: 11039

Sorry to pipe in like this but WOW an iggy feature would be great!!!
by jms969
Mon Nov 26, 2007 6:24 pm
Forum: Investing - Theory, News & General
Topic: DFA vs Vanguard
Replies: 25
Views: 6190

Very interesting read, thanks for the link...