Search found 58 matches

by milosz19
Fri Oct 11, 2019 7:28 am
Forum: Investing - Theory, News & General
Topic: Anyone buying PG&E stock?
Replies: 60
Views: 5278

Anyone buying PG&E stock?

I suppose the title is self explanatory. I am not seriously considering it, but I just saw that PG&E stock went down by almost 30% on Thursday. Anyone would like to weigh in here?
by milosz19
Sat Oct 05, 2019 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: SEP IRA, 401K and taxes
Replies: 2
Views: 187

SEP IRA, 401K and taxes

Hello Everyone, My partner is employed at a company and contributes to a 401K. At the same time, she is freelancing and is starting to make more and more money as a result. As such, she is concerned with taxes (both income taxes) and social security taxes that she may or may not have to pay (we are ...
by milosz19
Fri Aug 30, 2019 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Should I do backdoor roth
Replies: 7
Views: 446

Re: Should I do backdoor roth

Thank you for all of your answers. Much appreciated.
by milosz19
Fri Aug 30, 2019 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Should I do backdoor roth
Replies: 7
Views: 446

Re: Should I do backdoor roth

Is that really the case? I had not Idea. Are the maximums the same?
by milosz19
Fri Aug 30, 2019 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Should I do backdoor roth
Replies: 7
Views: 446

Should I do backdoor roth

Hello,

My wife and I and maxing Roth every year and we contribute 5% of our income into a 403b account. Should we do a backdoor Roth instead of 403b contributions? If so, why? What is the simplest way of doing so (simple IRA and conversion)? Thank you.
by milosz19
Sun Jul 21, 2019 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Can I deduct the loss from a rental property from gains from dividends from index funds?
Replies: 10
Views: 980

Re: Can I deduct the loss from a rental property from gains from dividens from index funds?

Great question. Please someone, answer it. Since dividends constitute passive income, you might be able to do so, but I am not entirely sure. I know you can deduct rental losses from active income if your MAGI is <150k. Once again, great question. I will look it up - too much wine at the moment (vac...
by milosz19
Sat Jul 20, 2019 10:42 am
Forum: Personal Investments
Topic: Real estate: Sell (and Invest), Cash-Out Refinance (and Invest), or Keep? How to build wealth?
Replies: 6
Views: 609

Re: Real estate: Sell (and Invest), Cash-Out Refinance (and Invest), or Keep? How to build wealth?

The reason I would sell is to not have to deal with 6 rental properties- tenants, finding them, maintenance, repairs, taxes- which in TX are huge, payments and problems if the houses need repairs or are empty- basically all the details of homeownership that I am willing to deal with to have someone ...
by milosz19
Sat Jul 20, 2019 6:06 am
Forum: Personal Investments
Topic: Real estate: Sell (and Invest), Cash-Out Refinance (and Invest), or Keep? How to build wealth?
Replies: 6
Views: 609

Real estate: Sell (and Invest), Cash-Out Refinance (and Invest), or Keep? How to build wealth?

So, this is a question about what is the best way in which to build wealth with real estate in our situation. My husband and I have three rental homes. We bought them with 15-year mortgages. They will be paid off in 9, 10, and 11 years, respectively. There are three options that we are considering a...
by milosz19
Sat Jul 06, 2019 5:15 pm
Forum: Personal Consumer Issues
Topic: Time for a new car - Corolla or Civic...
Replies: 101
Views: 9894

Re: Time for a new car - Corolla or Civic...

As a honda owner, I say - go with Toyota ('honda' was not capitalized on purpose)
by milosz19
Tue Jul 02, 2019 4:15 pm
Forum: Personal Investments
Topic: Any idea why S&P 600 is not so hot these days?
Replies: 19
Views: 2831

Re: Any idea why S&P 600 is not so hot these days?

Well, not always. I must say - I was not aware of the 32 year-long under-performance.
by milosz19
Tue Jul 02, 2019 3:53 pm
Forum: Personal Investments
Topic: Any idea why S&P 600 is not so hot these days?
Replies: 19
Views: 2831

Re: Any idea why S&P 600 is not so hot these days?

Yes, I meant underperforming large-cap.
by milosz19
Tue Jul 02, 2019 3:36 pm
Forum: Personal Investments
Topic: Any idea why S&P 600 is not so hot these days?
Replies: 19
Views: 2831

Any idea why S&P 600 is not so hot these days?

I am heavily invested in IJR and it has been under-performing during the last several months. Any ideas as to why?
by milosz19
Mon May 27, 2019 10:57 am
Forum: Personal Consumer Issues
Topic: On-line Business Ph'd's are they worth it?
Replies: 11
Views: 2999

Re: On-line Business Ph'd's are they worth it?

Online PhDs are a joke - no offense anyone. As someone with a PhD working with many other PhDs, I can tell you that no one takes these seriously. Someone with an online PhD would certainly not get a job in any serious academic or research setting. They are issued almost exclusively by diploma mills....
by milosz19
Mon Apr 29, 2019 3:24 pm
Forum: Personal Investments
Topic: What is your favorite Dividend Growth ETF
Replies: 5
Views: 822

Re: What is your favorite Dividend Growth ETF

Other than bogleheads preference for Vanguard, what makes VIG better ?
by milosz19
Mon Apr 29, 2019 2:53 pm
Forum: Personal Investments
Topic: What is your favorite Dividend Growth ETF
Replies: 5
Views: 822

What is your favorite Dividend Growth ETF

Hello Bogleheads,

I I am shopping for a good Dividend Growth ETF. I am currently leaning toward DGRO (iShares Core Dividend Growth). I would like to use this as a part of my portfolio core.

What do you think about this ETF? Anything better out there ?

Thank you for your feedback.
by milosz19
Sun Apr 21, 2019 5:10 pm
Forum: Personal Investments
Topic: Tapping into Roth to buy a house
Replies: 21
Views: 1709

Re: Tapping into Roth to buy a house

Well, the rentals made me far more than the market - because it is leveraged money. Not even close.
by milosz19
Sun Apr 21, 2019 12:59 pm
Forum: Personal Investments
Topic: Tapping into Roth to buy a house
Replies: 21
Views: 1709

Re: Tapping into Roth to buy a house

Yes, at this point I own 2 rentals and a primary residence. The properties are in TX and the market is fairly stable - there are no massive booms and busts as in other parts of the country. The properties were purchased after the post-Great Recession recovery was underway, so I do not think that the...
by milosz19
Sun Apr 21, 2019 12:43 pm
Forum: Personal Investments
Topic: Tapping into Roth to buy a house
Replies: 21
Views: 1709

Re: Tapping into Roth to buy a house

I would rather go with 15 year mortgage. The prospect of being done with mortgages in a little over a decade is just too attractive for me. On a different note, what prompts me to try to move sooner is the low interest rates. All of our houses feature a rock-bottom rates. I would love to buy another...
by milosz19
Sun Apr 21, 2019 12:18 pm
Forum: Personal Investments
Topic: Tapping into Roth to buy a house
Replies: 21
Views: 1709

Re: Tapping into Roth to buy a house

That would be about 20%. But we have secure jobs (tenured professors), and expect state pensions. We have been in school forever and are in our mid 30s now.
by milosz19
Sun Apr 21, 2019 11:48 am
Forum: Personal Investments
Topic: Tapping into Roth to buy a house
Replies: 21
Views: 1709

Tapping into Roth to buy a house

Hello Bogleheads and Happy Holidays, Here is something I have been contemplating lately: Normally, I would never take money out of any retirement vehicles, but ... my wife and I are planing to purchase a house in the next 2-3 years and getting about 30K out of Roth would enable us to do so earlier, ...
by milosz19
Wed Mar 13, 2019 4:04 pm
Forum: Personal Investments
Topic: What is your favourite non-total market/SP500 ETF?
Replies: 12
Views: 1250

What is your favourite non-total market/SP500 ETF?

Hello Everyone,

I am thinking of investing in an equity ETF to supplement, and hopefully boost returns, of my core holdings - voo (S&P 500). What are your favorite ETFs that fit that bill? (I was thinking of

Thank you for your feedback.
by milosz19
Wed Mar 13, 2019 12:26 pm
Forum: Personal Investments
Topic: TD Ameritrade Money Market Options
Replies: 89
Views: 18990

Re: TD Ameritrade Money Market Options

I just finished speaking with a mutual fund expert at TDA. I was told that neither PVOXX nor PCOXX feature a holding period. So technically, you can sell shares after owning them for just a day. PVOXX is slightly better as it is typically not available for individual investors.
by milosz19
Fri Feb 15, 2019 1:12 pm
Forum: Personal Investments
Topic: Portfolio review
Replies: 7
Views: 490

Re: Portfolio review

Yes, I was completely fine this December. I fact I purchased more on the 24th :). And, yes TRP stands for T. Rowe Price. I think I might add some bonds later on on my life. At this point, I have been thinking about whether or not to have international exposure, which I find difficult to justify. Whi...
by milosz19
Fri Feb 15, 2019 11:57 am
Forum: Personal Investments
Topic: Portfolio review
Replies: 7
Views: 490

Portfolio review

Dear Bogleheads, Could you please take a look at the following portfolio and give me some feedback. I have read all Bogleheads books and am fully aware of the Bogleheads investing philosophy. As you can see, my portfolio diverges considerably and is significantly more aggressive. Vanguard S&P500 – 2...
by milosz19
Tue Feb 12, 2019 3:47 pm
Forum: Personal Investments
Topic: Good time to invest in emerging markets?
Replies: 22
Views: 3507

Good time to invest in emerging markets?

Hello Everyone, I have been reading Money & Kiplinger magazines, plus the reports that T. Rowe Price sends me periodically and one thing that they have in common is a conviction that this is a particularity good time to invest in emerging markets. I have been burned by emerging markets in the past, ...
by milosz19
Fri Jan 25, 2019 9:21 pm
Forum: Personal Investments
Topic: Investing in a rental property - first time investor
Replies: 21
Views: 1720

Re: Investing in a rental property - first time investor

I have two rentals in the Houston area in this price range. The cash flow you mentioned is quite suspicious. I manage the rentals myself and I can fix many things myself, which saved me thousands of dollars over the yeas. I purchased my properties when they were 25% cheaper than they are today and I...
by milosz19
Sat Jan 19, 2019 10:17 am
Forum: Personal Investments
Topic: The best Total International Stock Market Index ETF (VXUS?)
Replies: 5
Views: 836

Re: The best Total International Stock Market Index ETF (VXUS?)

Is there a free online tool that I can use to create meaningful comparisons of ETFs and mutual funds? Which one do you recommend?
by milosz19
Sat Jan 19, 2019 9:05 am
Forum: Personal Investments
Topic: The best Total International Stock Market Index ETF (VXUS?)
Replies: 5
Views: 836

The best Total International Stock Market Index ETF (VXUS?)

Perhaps I am splitting hair here, but.... Bogleheads have long advocated Vanguard Total International Index fund as, perhaps, the best international index fund/ETF. Recently, I decided to simplify my portfolio and let such total index ETF be my only international fund. When looking at options, I not...
by milosz19
Fri Jan 18, 2019 8:31 pm
Forum: Personal Investments
Topic: PRHSX (T. Rowe Price Health Sciences Fund) vs VHT (Vanguard Health Care ETF)
Replies: 12
Views: 1382

Re: PRHSX vs VHT

Apologies. T. Rowe Price Health Sciences Fund (PRHSX) https://www3.troweprice.com/fb2/fbkweb/snapshot.do?cusip=741480107 Vanguard Health Care ETF (VHT) https://investor.vanguard.com/etf/profile/VHT As I said, I appreciate your feedback. I am trying to learn from people who are more experienced than ...
by milosz19
Fri Jan 18, 2019 8:16 pm
Forum: Personal Investments
Topic: PRHSX (T. Rowe Price Health Sciences Fund) vs VHT (Vanguard Health Care ETF)
Replies: 12
Views: 1382

PRHSX (T. Rowe Price Health Sciences Fund) vs VHT (Vanguard Health Care ETF)

Hello Bogleheads,

I am trying to choose between PRHSX and VHT. Which strikes you as a better choice? Any suggestions are appreciated.
by milosz19
Mon Dec 31, 2018 8:48 pm
Forum: Personal Investments
Topic: Investing in bonds
Replies: 6
Views: 770

Re: Investing in bonds

Are there any T. Rowe Price bond funds you can recommend?
by milosz19
Mon Dec 31, 2018 8:33 pm
Forum: Personal Investments
Topic: Investing in bonds
Replies: 6
Views: 770

Investing in bonds

Hello, Several weeks ago, I was reading this forum and contributors suggested that investing in bonds is particularity attractive these days. If you agree with this statement, can you please tell me why? I always thought that bonds don't do well in a rising rate environment. Thank you and Happy New ...
by milosz19
Mon Dec 24, 2018 9:31 am
Forum: Personal Investments
Topic: How to invest 40K?
Replies: 5
Views: 549

Re: How to invest 40K?

I am 36, I have other investments, both equities and real estate, but I do not own any bonds.
by milosz19
Mon Dec 24, 2018 9:23 am
Forum: Personal Investments
Topic: How to invest 40K?
Replies: 5
Views: 549

How to invest 40K?

Hello Bogleheads and Marry Christmas, I have been sitting on 40K of cash in my Roth because I temporarily needed to rely on it in case on an emergency. I no longer have need it for that and I would like to invest. I have two questions: 1) Given what the market is doing, would you wait a bit more or ...
by milosz19
Sun Dec 16, 2018 9:57 pm
Forum: Personal Investments
Topic: Selling well performing etf to purchase one that is on sale
Replies: 6
Views: 397

Re: Selling well performing etf to purchase one that is on sale

I do have an asset allocation that I am trying to maintain. In fact, my next purchases were going to be both IJR and VXUS because I should boost those categories to got to the desired asset allocation. I wanted to re-balance by buying additional shares as opposed to trading. Are you saying that you ...
by milosz19
Sun Dec 16, 2018 9:22 pm
Forum: Personal Investments
Topic: Selling well performing etf to purchase one that is on sale
Replies: 6
Views: 397

Selling well performing etf to purchase one that is on sale

Hello Boglehead, About 5 or 6 months ago I purchased shares of IJR and shares of VXUS. Since then, IJR is about 17% in the red whereas VXUS held steady. Both are good funds and I would like to keep them in my portfolio. However, I am contemplating selling some VXUS in order to purchase IJR as it app...
by milosz19
Mon Nov 05, 2018 2:37 pm
Forum: Personal Investments
Topic: Should I move from TRP to Vanguard?
Replies: 9
Views: 812

Re: Should I move from TRP to Vanguard?

Yes, managed funds. Of course there are no guarantees, but some of their funds did perform better than the market (for example, Blue Chip Growth).
by milosz19
Mon Nov 05, 2018 2:07 pm
Forum: Personal Investments
Topic: Should I move from TRP to Vanguard?
Replies: 9
Views: 812

Should I move from TRP to Vanguard?

Hello, I have Roth IRA at TRP and TD Ameritrade. A few years ago I stopped contributing to TRP and funded TD Ameritrade where most of my money is in ETFs with rock-bottom costs such as VOO,IXUS, and IJR. TRP gives me access to some quality funds and I have absolutely nothing bad to say about TRP. Ye...
by milosz19
Mon Nov 05, 2018 12:34 pm
Forum: Personal Investments
Topic: Percentage of small-caps in an aggressive portfolio
Replies: 17
Views: 1439

Re: Percentage of small-caps in an aggressive portfolio

I see that two respondents emphasized small-cap stocks for their international equities. What are the reasons here?
by milosz19
Mon Nov 05, 2018 12:02 pm
Forum: Personal Investments
Topic: Percentage of small-caps in an aggressive portfolio
Replies: 17
Views: 1439

Percentage of small-caps in an aggressive portfolio

Hello everyone, Could you please share what percentage of your portfolio do small cap stocks represent? What should a younger aggressive investor aim for? Several years ago morningstar had an article that argued that keeping 50% in large-cap and 50% in mid-small-cap stocks increases returns, while k...
by milosz19
Thu Nov 01, 2018 1:52 pm
Forum: Personal Investments
Topic: Highly Reted TRP Mutual Funds vs the market
Replies: 3
Views: 399

Highly Reted TRP Mutual Funds vs the market

Hello Everyone, A part of my portfolio is currently invested through T. Rowe Price. Some of their funds like Blue Chip Growth or New Horizons performed really well for me. I was just looking at their portfolio in search of quality funds - two drew my attention: 1) Communications & Tech (PRMTX) 2) Gl...
by milosz19
Fri Oct 26, 2018 9:54 am
Forum: Personal Investments
Topic: Best Total International Stock ETF
Replies: 16
Views: 2062

Best Total International Stock ETF

Hello everyone, I am in the process of simplifying my portfolio and, given Bogleheads' recommendations, would like to use one fund for my international exposure. What is your ETF of choice that serves that purpose? Vanguard's VXUS seems like an obvious choice, but iShares IXUS appears very attractiv...
by milosz19
Thu Oct 25, 2018 10:48 am
Forum: Investing - Theory, News & General
Topic: Is emerging markets investable?
Replies: 51
Views: 3503

Emerging Markets

[Thread merged into here, see below. --admin LadyGeek] I am in the process of simplifying my portfolio. At this point 80% of it is US equity divided evenly between large and small cap. The remaining 20% is currently in developed market stocks (IEFA). Should a younger aggressive investor own emergin...
by milosz19
Sun Oct 21, 2018 11:34 am
Forum: Personal Investments
Topic: Dividend Growth Funds
Replies: 7
Views: 1078

Dividend Growth Funds

Lately, I have been thinking of investing a part of my portfolio (10-15%) in a mulual fund that holds stocks with a history of increasing dividends (Dividend Growth by T. Rowe to be specific). My thinking is that these stocks are somewhat less volatile and the fund has lesser emphasis on tech as com...
by milosz19
Thu Oct 18, 2018 2:29 pm
Forum: Investing - Theory, News & General
Topic: Why dismiss sectors?
Replies: 31
Views: 2025

Re: Why dismiss sectors?

Thank you, I really appreciate your feedback.
by milosz19
Thu Oct 18, 2018 1:34 pm
Forum: Investing - Theory, News & General
Topic: Why dismiss sectors?
Replies: 31
Views: 2025

Why dismiss sectors?

I have been reading this forum for quite some time, paying attention to people's views on asset allocation, investment strategies etc. It seems to me that most Bogleheads dislike sectors. While I see why you should not put a big chunk of your money into a specific sector, I do not quite see why a pe...
by milosz19
Sun Oct 07, 2018 4:02 pm
Forum: Personal Investments
Topic: Bonds for an aggressive investor
Replies: 25
Views: 2798

Re: Bonds for an aggressive investor

Do Bogleheads advocate that people who hold some bonds to take that some of that money during bear markets and put it in stock funds?
by milosz19
Sun Oct 07, 2018 3:23 pm
Forum: Personal Investments
Topic: Bonds for an aggressive investor
Replies: 25
Views: 2798

Bonds for an aggressive investor

Hello Bogleheads, I consider myself an aggressive investor. Stocks constitute 100% of my portfolio. About 15% is in developed markets, and the rest is divided between large and -small cap - everything at rock-bottom prices. I have recently read "Bogleheads Guide to Investing" and I am currently read...
by milosz19
Tue Sep 25, 2018 12:41 pm
Forum: Personal Investments
Topic: Core Funds: Small vs Mid to supplement VOO
Replies: 10
Views: 1008

Re: Core Funds: Small vs Mid to supplement VOO

Can someone explain to me what makes IJR so special? It happens to be on the Money 50 and Kiplinger 20 lists. What makes it better than VB or VTWO?