Search found 42 matches

by puc_ytpme
Sat Jul 04, 2020 3:19 pm
Forum: Personal Investments
Topic: Am I crazy to do this? [Equity Allocation 50/50 TSM/NASDAQ]
Replies: 150
Views: 10277

Re: Am I crazy to do this?

Op, This recent article By Ben Carlson from a Wealth of Common Sense. Just wrote this article on July 2nd. “The Nifty Fifty & the Old Normal” It’s a comparison of the Nifty Fifty in the 70’s & today’s tech Stocks. Worth a read & should help bring some clarification https://awealthofcommonsense.com/2...
by puc_ytpme
Sun Jun 14, 2020 2:32 pm
Forum: Personal Investments
Topic: Betterment Safety Net for Emergency Fund?
Replies: 8
Views: 743

Re: Betterment Safety Net for Emergency Fund?

I'm just wondering if anyone has experience with using the Betterment Safety Net for an emergency fund. If so, has it worked for you? For my emergency fund I use a separate Fidelity cash management account, and have cash/short-term treasury index fund/15% S&P 500 index fund. Does anyone do anything...
by puc_ytpme
Sat Apr 04, 2020 11:45 am
Forum: Personal Consumer Issues
Topic: How are you exercising with gym closures
Replies: 111
Views: 6198

Re: How are you exercising with gym closures

The condo’s I live at have an on-site gym. Precor weighted machines, elliptical, treadmill, bikes & free weighted dumbbells up to 60lbs. No more than 5 fockers at a time with provided sanitary wipes for before & after use. If management changes the rules to permanent closure in the near future. I wi...
by puc_ytpme
Sun Mar 22, 2020 12:24 pm
Forum: Investing - Theory, News & General
Topic: It's Not Different This Time
Replies: 372
Views: 38672

Re: It's Not Different This Time

alexfoo39: At age 95, I have been through many bear markets. They are no fun. This was my first bear market: Our family owned "Larimore's Diner" in Foxboro, Mass. in 1929 (I was 5 years old at that time). When the depression hit, we lost the Diner and moved into my grandfather's home in Miami. Gran...
by puc_ytpme
Sat Mar 21, 2020 7:59 pm
Forum: Investing - Theory, News & General
Topic: Ben Felix on market crashes
Replies: 41
Views: 2406

Re: Ben Felix on market crashes

Thanks for taking the time to post this!
by puc_ytpme
Sun Mar 15, 2020 11:52 pm
Forum: Personal Investments
Topic: Is VMFXX safer than VMMXX
Replies: 23
Views: 1996

Re: Is VMFXX safer than VMMXX

The VMFXX fund is likely safer than VMMXX since it is comprised of US Government securities. The yield is also slightly lower on VMFXX, so the safety has a small price. Regards, Even safer is VUSXX. Thank you palanzo! Do you know if money in VUSXX can be used directly to buy ETFs or stocks? Or woul...
by puc_ytpme
Sun Mar 15, 2020 10:32 pm
Forum: Personal Investments
Topic: Is VMFXX safer than VMMXX
Replies: 23
Views: 1996

Re: Is VMFXX safer than VMMXX

The VMFXX fund is likely safer than VMMXX since it is comprised of US Government securities. The yield is also slightly lower on VMFXX, so the safety has a small price. Regards, Even safer is VUSXX. Thank you palanzo! Do you know if money in VUSXX can be used directly to buy ETFs or stocks? Or woul...
by puc_ytpme
Sun Mar 15, 2020 10:32 pm
Forum: Personal Investments
Topic: Is VMFXX safer than VMMXX
Replies: 23
Views: 1996

Re: Is VMFXX safer than VMMXX

The VMFXX fund is likely safer than VMMXX since it is comprised of US Government securities. The yield is also slightly lower on VMFXX, so the safety has a small price. Regards, Even safer is VUSXX. Thank you palanzo! Do you know if money in VUSXX can be used directly to buy ETFs or stocks? Or woul...
by puc_ytpme
Fri Mar 13, 2020 12:34 pm
Forum: Personal Consumer Issues
Topic: Are you still going to the gym ...
Replies: 210
Views: 12751

Re: Are you still going to the gym ...

I am still going to the gym 5 days a week. I hear the media, the plethora of experts, but the cat is already out of the bag. I am 36 now & back in 2009 I had H1N1/swine flu which absolutely leveled me. From the information that we do have on COVID-19, the symptoms don’t appear to be in the same leag...
by puc_ytpme
Thu Mar 05, 2020 3:44 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20320
Views: 2778350

Re: U.S. stocks in free fall

It is important to recall that high market volatility occurs during bear markets. High volatility is usually associated with stocks going down and then down some more. People stepping into the market during this period of high volatility are sorta forgetting that, I think. Traders call it 'catching...
by puc_ytpme
Tue Mar 03, 2020 4:57 pm
Forum: Personal Investments
Topic: Question about bonds AA
Replies: 19
Views: 892

Re: Question about bonds AA

I changed it to 1990, so 30 years and 60/40 still performed better with less stress And over 20 years from 2000 both 50/50 and 60/40 do much better. I just always thought 100% stocks over time performed better so I am a bit confused On average, 100% stocks DO have higher expected returns than a por...
by puc_ytpme
Tue Feb 25, 2020 7:12 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20320
Views: 2778350

Re: U.S. stocks in free fall

I think this may be good news for poor folks like myself in accumulation phase with only $42k invested. If we get down to S&P 1000 points and everything is good again I can buy cheap until I retire in 20 years! YES!!! Yep! If the market stays down for 19 years and you can buy at those prices. And i...
by puc_ytpme
Mon Feb 17, 2020 9:07 pm
Forum: Personal Investments
Topic: wash sale
Replies: 11
Views: 802

Re: wash sale

texan100% wrote: Mon Feb 17, 2020 9:00 pm hi,folks.I understand if I sell in gain it will be no wash sale? And I can sell fund in my IRA and to buy same fund in taxable account in same day?
What do you believe the answer to be to both questions?

The way you asked, tells me you are understanding your situation correctly.

Good luck
by puc_ytpme
Fri Feb 14, 2020 11:42 pm
Forum: Personal Investments
Topic: Investing money for the next 6 years
Replies: 34
Views: 4353

Re: Investing money for the next 6 years

Mario2222, https://www.bogleheads.org/forum/viewtopic.php?t=285783 I found this insightful when deciding on a shorter term savings goal. 7 posts, so it’s a quick read. I have implemented a 3 fund version of it, using different etfs from another taxable account & Roth IRA. As Nisiprius has stated sev...
by puc_ytpme
Wed Feb 12, 2020 12:21 am
Forum: Personal Consumer Issues
Topic: Best Oil?
Replies: 124
Views: 10710

Re: Best Oil?

Teague wrote: Fri Feb 07, 2020 1:58 pm Extra-virgin olive oil. Peanut oil. Sewing machine oil. Penetrating oil. Whale oil.

Those are not good choices.
:D , LOL
by puc_ytpme
Fri Feb 07, 2020 11:07 am
Forum: Personal Consumer Issues
Topic: Do you buy plastic bags for your home trash bins?
Replies: 99
Views: 7371

Re: Do you buy plastic bags for your home trash bins?

We use plant based bags(13 gal) we get on Amazon, washable & reusable produce mesh bags, reusable BPA free ziplock bags, & reusable & washable grocery bags(keep in the trunk) as well as eco friendly poop bags for the dog
by puc_ytpme
Mon Feb 03, 2020 11:28 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 9391
Views: 751192

Re: U.S. stocks continue to soar!

in my opinion TSLA stock is in an epic bubble, when the next recession hits, which it will eventually my prediction is that Tesla isn't going to survive it. Might be a bubble might not. I do know this, there is a generational shift in how people are viewing the environment(For the better). The corp...
by puc_ytpme
Sat Feb 01, 2020 6:33 pm
Forum: Personal Investments
Topic: Taxable and IRA example - is this a wash sale?
Replies: 7
Views: 279

Re: Taxable and IRA example - is this a wash sale?

Kind of along the same lines except both taxable accounts Example, Account A & Account B both taxable. Account A is set to spec id & had losses on lots purchased with in 30 days of each other. One sells the red for those lots in account A. Account B, set for average cost has the same exact fund as A...
by puc_ytpme
Mon Jan 20, 2020 12:26 am
Forum: Personal Investments
Topic: FDIC Insurance Rules Update
Replies: 24
Views: 3655

Re: FDIC Insurance Rules Update

2) Informal revocable trust accounts such as payable on death, do need to provide tax ID #’s or Social#’s for each beneficiary. Did Ally tell you what would happen if you decline to provide? Will the existing PoD designation be cancelled or the account closed or nothing? Stan1, The rep answered onl...
by puc_ytpme
Sat Jan 18, 2020 1:19 pm
Forum: Personal Investments
Topic: Ally to require SSN for benefiaries, points to new FDIC rule
Replies: 38
Views: 2691

Re: Ally to require SSN for benefiaries, points to new FDIC rule

stan1 wrote: Sat Jan 18, 2020 12:47 pm Seems like you have several choices:
1) Provide SSN
2) Put account into trust and leave to heirs that way instead of PoD
3) Move to another FI that doesn't require SSN today, but that might be a moving target and may cease to exist at an FDIC insured institution after April 1 2020.

+3
by puc_ytpme
Thu Jan 16, 2020 4:18 pm
Forum: Personal Investments
Topic: FDIC Insurance Rules Update
Replies: 24
Views: 3655

Re: FDIC Insurance Rules Update

Bump Spoke to Ally to clarify further 1) Formal Trusts( Family or Living) already have the tax ID as it provided for by the Trust. So the beneficiaries tax identification # or social is not needed 2) Informal revocable trust accounts such as payable on death, do need to provide tax ID #’s or Social#...
by puc_ytpme
Thu Jan 16, 2020 1:27 pm
Forum: Personal Investments
Topic: FDIC Insurance Rules Update
Replies: 24
Views: 3655

Re: FDIC Insurance Rules Update

I was wondering about what if one wants to leave something to a beneficiary, but doesn't want to announce that in advance. How would one insert into casual conversation, "Oh, by the way, what does your SS # happen to be!?" This is more than an academic question for us. RM +1 My initial thoughts too...
by puc_ytpme
Thu Jan 16, 2020 1:04 pm
Forum: Personal Investments
Topic: FDIC Insurance Rules Update
Replies: 24
Views: 3655

Re: FDIC Insurance Rules Update

Follow up: I called the FDIC to get a better understanding for anyone interested. What I gathered was the FDIC is setting it’s preferred method in April of 2020 to streamline, in case of bank failure or death to make sure proper insurance limits are provided based off the number of beneficiaries und...
by puc_ytpme
Thu Jan 16, 2020 11:06 am
Forum: Personal Investments
Topic: FDIC Insurance Rules Update
Replies: 24
Views: 3655

Re: FDIC Insurance Rules Update

Bump

Does this apply to formal trust accounts as it does for informal(Transfer on death)?

Read up on this last night coming into play in April this year & a laymen’s explanation would be helpful

All the best
by puc_ytpme
Sun Jan 12, 2020 6:14 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4677
Views: 1288828

Re: What Book Are You Currently Reading? Part VI

Why Buddhism is true: The science & philosophy of meditation & enlightenment by Robert Wright, author of the Moral Animal
by puc_ytpme
Sun Jan 05, 2020 3:16 pm
Forum: Personal Investments
Topic: Vanguard is worrying me
Replies: 70
Views: 9519

Re: Vanguard is worrying me

OP, No user error, I noticed the same thing for Vanguard Total International Stock Index Fund Admiral(VTIAX) Bought on the day dividends were distributed Two separate lots(12-20-19) One shows the actual closing NAV @ $29.69 & the other @ $29.83 I will check on this in the a.m. puc_ytpme, thank you ...
by puc_ytpme
Sun Jan 05, 2020 1:03 pm
Forum: Personal Investments
Topic: Vanguard is worrying me
Replies: 70
Views: 9519

Re: Vanguard is worrying me

OP,

No user error, I noticed the same thing for Vanguard Total International Stock Index Fund Admiral(VTIAX)

Bought on the day dividends were distributed Two separate lots(12-20-19)

One shows the actual closing NAV @ $29.69 & the other @ $29.83

I will check on this in the a.m.
by puc_ytpme
Sun Jan 05, 2020 12:42 pm
Forum: Investing - Theory, News & General
Topic: VTSAX & VTIAX Dividends
Replies: 19
Views: 2576

Re: VTSAX & VTIAX Dividends and Interest payouts

DBR,

What I got.

Wise not to have funds that throw off short term capital gains in a taxable account

I can tax gain harvest or loss harvest short term sales depending on the need at that given moment?

All the best
by puc_ytpme
Sun Jan 05, 2020 12:35 pm
Forum: Investing - Theory, News & General
Topic: VTSAX & VTIAX Dividends
Replies: 19
Views: 2576

Re: VTSAX & VTIAX Dividends and Interest payouts

Livesoft,

This is what I got, again, please point out errors

Pg. 49: “In some situations, part of your gain or loss may be a capital gain or loss, and part may be an or- dinary gain or loss.”

So it depends on the situation the detail(not black & white) as DBR pointed out?
by puc_ytpme
Sun Jan 05, 2020 12:03 pm
Forum: Investing - Theory, News & General
Topic: VTSAX & VTIAX Dividends
Replies: 19
Views: 2576

Re: VTSAX & VTIAX Dividends and Interest payouts

Livesoft or others,

Correct me if I am wrong?

Short term Cap gain would be considered ordinary income & taxed @ one’s marginal tax rate.

Long term Cap gain is not considered ordinary income & thus taxed differently

All the best
by puc_ytpme
Sat Jan 04, 2020 12:20 pm
Forum: Investing - Theory, News & General
Topic: First 20% of bonds in long-term Treasuries
Replies: 927
Views: 68393

Re: First 20% of bonds in long-term Treasuries

Horton wrote: Sat Jan 04, 2020 11:47 am Slightly off topic but related since he started this thread, I wonder where vineviz went? I haven’t seen him post in a long time. I miss his insights and hope to see him back eventually.
+1

I agree :!:
by puc_ytpme
Wed Jan 01, 2020 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: To what do you owe your ability to forego spending now and save for your future?
Replies: 116
Views: 5230

Re: To what do you owe your ability to forego spending now and save for your future?

1) In hindsight, my parents & grandfather not living beyond their means, laid a foundation that I ignored, & now implement. I am 36 2) Grandfather for believing in me, never doubting that I would get it together & for leaving me his estate(the wiki on managing a windfall has come in clutch) I would ...
by puc_ytpme
Wed Jan 01, 2020 3:19 am
Forum: Personal Consumer Issues
Topic: Recommended physical fitness websites/books/apps?
Replies: 83
Views: 6942

Re: Recommended physical fitness websites/books/apps?

THANK YOU for the fantastic advice! :sharebeer I decided to start with Starting Strength by Mark Rippetoe and Body by Science by Doug McGuff . They look like they'll get me a solid foundation in terms of knowledge and routine. After I've read them, I'll put down the money for a personal trainer to ...
by puc_ytpme
Sat Dec 28, 2019 1:08 pm
Forum: Personal Investments
Topic: De-Risking. Drop International and Emerging?
Replies: 17
Views: 1553

Re: De-Risking. Drop International and Emerging?

viewtopic.php?f=10&t=285269

Worthwhile read on de-risking & diversification posted by Vineviz this past summer

All the best
by puc_ytpme
Sat Dec 28, 2019 1:05 am
Forum: Personal Consumer Issues
Topic: Recommended physical fitness websites/books/apps?
Replies: 83
Views: 6942

Re: Recommended physical fitness websites/books/apps?

OP, how old are you? Starting Strength is good. So is Wendler 5/3/1. These are probably my two favorite reference sites. They both have a huge YouTube video section, very informative. https://athleanx.com/ https://renaissanceperiodization.com/ +1 Jeff is good on Athlean-x. His 22day ab challenge is...
by puc_ytpme
Sat Dec 28, 2019 1:00 am
Forum: Personal Consumer Issues
Topic: Recommended physical fitness websites/books/apps?
Replies: 83
Views: 6942

Re: Recommended physical fitness websites/books/apps?

Bigger Leaner Stronger: The Simple Science of Building the Ultimate Male Body https://www.amazon.com/dp/1938895304/ref=cm_sw_r_cp_api_i_qFUbEb3A8PWCZ The Year One Challenge for Men: Bigger, Leaner, and Stronger Than Ever in 12 Months https://www.amazon.com/dp/1938895231/ref=cm_sw_r_cp_api_i_pHUbEb32...
by puc_ytpme
Sun Dec 22, 2019 1:17 am
Forum: Investing - Theory, News & General
Topic: Is there ever a good time to sell and lock in ?
Replies: 84
Views: 6225

Re: Is there ever a good time to sell and lock in ?

Why would you continue to leave your money in for example, if the market continually dropped for say a month or more? Why not pull out and "lock in" and then buy "after" things start to turn around? I would like to introduce you to Bob. The worlds worst market timer. At the end of the article, chec...
by puc_ytpme
Thu Dec 12, 2019 3:37 pm
Forum: Personal Investments
Topic: Roth LS Growth/Taxable Ind. components
Replies: 3
Views: 146

Re: Roth LS Growth/Taxable Ind. components

Thanks retiredjg & for the wiki link Silk McCue

All the Best
by puc_ytpme
Thu Dec 12, 2019 3:14 pm
Forum: Personal Investments
Topic: Roth LS Growth/Taxable Ind. components
Replies: 3
Views: 146

Roth LS Growth/Taxable Ind. components

Hello folks, My Roth consists of the LifeStrategy Growth Fund(VASGX), my taxable consists of two of the individual components that make up the LS Growth Fund. Total stock market Us & Total International... Specific ID is set in taxable, reinvestment of Dividends is turned off. 1) When I do harvest i...
by puc_ytpme
Mon Dec 09, 2019 5:32 pm
Forum: Investing - Theory, News & General
Topic: You should own Int'l stocks for the same reason Bogle says you shouldn't
Replies: 74
Views: 5418

Re: You should own Int'l stocks for the same reason Bogle says you shouldn't

John C. Bogle never said that you shouldn't. 1) He said that he didn't think it was necessary to own any international stocks, and 2) Sometime in the time frame when international stocks were doing well and emerging markets were doing even better, he said that if you did choose to own them, you sho...