Search found 97 matches

by MitchL
Thu Mar 16, 2017 8:45 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Virtual online chapter - Master thread]
Replies: 57
Views: 6351

Re: Virtual boglehead meeting?

Could also stream the annual Boglehead conference...
by MitchL
Sun Aug 28, 2016 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: Annual Investments Check In
Replies: 5
Views: 824

Re: Annual Investments Check In

Question - I want to make sure I made good investment choices in my 401k. Currently: State Street S&P 500 - 55% Franklin Templeton Small/Mid Cap Growth R6 - 15% State Street US Bond Index - 25% Overall Gain of 8.95% Hi Chrissy, Looks like a good setup. If it was me, I would change FRANKLIN SMAL...
by MitchL
Fri Jun 24, 2016 4:52 pm
Forum: Investing - Theory, News & General
Topic: Plunge and Panic-Do You Get It Now?
Replies: 108
Views: 14059

Re: Do You See it Now?

Good post. Nisi's post on this subject should probably be a paper in crowd theory journal or so. From reference posted on 8/7/2011: You may not know what stock market risk is really like, and you may not know what your own risk tolerance really is. This is, if nothing else, a good opportunity to as...
by MitchL
Fri Feb 05, 2016 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: Money Withdrawn From UTMA Account Eligible for Roth IRA Contribution?
Replies: 5
Views: 289

Re: Money Withdrawn From UTMA Account Eligible for Roth IRA Contribution?

To clarify, I won't make more than $5500 in taxable income this year. What you're saying is that the UTMA money can't be used to make up the difference? The UTMA money cannot be used to make up the difference. You can contribute up to a maximum of $5500 or your earned income, whichever is lower. Ho...
by MitchL
Fri Feb 05, 2016 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: Money Withdrawn From UTMA Account Eligible for Roth IRA Contribution?
Replies: 5
Views: 289

Re: Money Withdrawn From UTMA Account Eligible for Roth IRA Contribution?

You can contribute that money to a Roth, but only up to the amount of your earned income for the year. The UTMA money doesn't count towards your earned income.

Regards,
Mitch
by MitchL
Sat Nov 28, 2015 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Following the Bogleherd … scary!
Replies: 37
Views: 4984

Re: Following the Bogleherd … scary!

I decided not to post the details. By my count, I had to look at about 18 posts to get 10 that I thought I could classify. By my count I got 2 or 3 "Bogleherd" posts and 7 or 8 "Bogleheretic" posts. As I was looking it over, I decided that while my judgement was sound, the whole...
by MitchL
Sat Aug 29, 2015 7:19 pm
Forum: Investing - Theory, News & General
Topic: Aug 2015 correction: what Bogleheads did...
Replies: 143
Views: 12657

Re: Aug 2015 correction: what Bogleheads did...

Wasn't enough of a drop for me to TLH.
I adjusted the qualified plan contributions to all international/EM, small rebalance in tax-deferred accounts to the same.
I was pleased that I did not feel anxious during the brief dip and I "slept well at night."
Mitch
by MitchL
Tue Nov 11, 2014 8:13 pm
Forum: Local Chapters and Bogleheads Community
Topic: A Very Special Story on Veterans Day
Replies: 4
Views: 1006

Re: A Very Special Story on Veterans Day

Thanks, Michael.
Heartwarming indeed.
Many thanks to our Veterans including those on the board.
Mitch
by MitchL
Sat Sep 27, 2014 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Answer to Most Physician/High Income Job Questions:
Replies: 50
Views: 7576

Re: Answer to Most Physician/High Income Job Questions:

ralph124cf wrote:I certainly agree about umbrella insurance.

Does anybody know if umbrella insurance will pick up if malpractice insurance is limit is exceeded?

Ralph


I do know.
The answer is absolutely not. The policy (at least my policy) specifically excludes business/professional activities.

Mitch
by MitchL
Sat Jul 05, 2014 1:05 am
Forum: Personal Consumer Issues
Topic: Tiny House Movement
Replies: 139
Views: 19652

Re: Re:

yobria wrote:As with any other consumption item, the key is to consume neither too much, or too little. 700 square feet is about my low limit as a single person as well.

Nick


wonder what happened to yobria.
by MitchL
Mon Jan 20, 2014 4:18 pm
Forum: Investing - Theory, News & General
Topic: How do you benchmark your portfolio.
Replies: 65
Views: 4440

Re: How do you benchmark your portfolio.

I think a benchmark is useful to understand if your transactions are so badly timed that you fail to track your benchmark closely. Yes, no one here sells in a panic at market lows, or sells out of Total US Bond index in late June 2013 and waits until December to buy more of the hot Total Stock Mark...
by MitchL
Fri Jan 10, 2014 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: Help with investments for my kids
Replies: 4
Views: 498

Re: Help with investments for my kids

New here. I have been buying stocks for my 3 kids ages are 7,6 and 3. Right now they each have 20 shares of Coke Cole , 25 shares of Altria. They each have $500 in there sharebuilder accounts, but I cannot decide what to purchase next. my top three picks are csx railroad, Kinross gold and vanguard ...
by MitchL
Thu Nov 14, 2013 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Charity auction - tax write-off?
Replies: 8
Views: 997

Re: Charity auction - tax write-off?

sunnyday wrote:I won an auction item at a charity event. The amount I paid was slightly under the real/face value of the item. Can I write the amount I paid off on my taxes?


I believe you can deduct the amount you paid minus the value of the item.
by MitchL
Sun Nov 03, 2013 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Anybody pay for college 100% out of 529 plan assets?
Replies: 28
Views: 3778

Re: Anybody pay for college 100% out of 529 plan assets?

Hi livesoft. I'm hoping to have enough in 529 to pay for college, maybe have some left over for post-grad. Thankfully have had some, though not spectacular, gains. I'm curious how you "get education credits and a tax break." I would have thought your income was too high to qualify. Regards...
by MitchL
Sat May 25, 2013 2:31 pm
Forum: Investing - Theory, News & General
Topic: Target retirement fund VS. Lazy Portfolios
Replies: 22
Views: 6399

Re: Target retirement fund VS. Lazy Portfolios

OK. I need to clarify here. When I am talking about no admiral shares in 401k plans i am referring to plans administered directly through Vanguard. Oh, sorry. Our plan is not administered by Vanguard but we do have some Vanguard Signal funds and one Admiral fund in addition to a large variety of ac...
by MitchL
Sat May 25, 2013 12:07 pm
Forum: Investing - Theory, News & General
Topic: Target retirement fund VS. Lazy Portfolios
Replies: 22
Views: 6399

Re: Target retirement fund VS. Lazy Portfolios

The lower fee Admiral Funds are only available within individual accounts (IRAs, Roths, and taxable accounts). If you are investing with Vanguard through a group plan (401k or 403b) then it is very unlikely that Admiral funds are going to be available at any account balance. My 401(k) has some Vang...
by MitchL
Mon Apr 08, 2013 7:56 pm
Forum: Personal Consumer Issues
Topic: Month-long visits to American cities
Replies: 52
Views: 5690

Re: Month-long visits to American cities

Was there a reason you're limiting the options to domestic? I've thought about staying a month in a city overseas when I'm "55 and out..." :)

ML
by MitchL
Mon Apr 08, 2013 7:30 pm
Forum: Personal Consumer Issues
Topic: San Francisco with kids?
Replies: 39
Views: 2883

Re: San Francisco with kids?

Hi TexasDiver, We took our kids last summer, had a great time. We got a 3-day pass for the cable car & buses to get around. At $6 one way for the cable car it rapidly paid for itself. Also see the CityPass, we didn't try but I think we would next time (we paid $99 to get 4 into the Exploratorium...
by MitchL
Mon Feb 04, 2013 8:08 pm
Forum: Personal Consumer Issues
Topic: Penfed Chip and Pin Card
Replies: 4
Views: 1183

Re: Penfed Chip and Pin Card

I saw this mentioned a previous thread so I called PenFed. It involved applying for a new "replacement" PenFed Promise card including a credit check. My old Promise card was cancelled when the new one was approved. You pick your PIN via the website then they manufacture and send your new c...
by MitchL
Sun Jan 13, 2013 11:18 am
Forum: Personal Consumer Issues
Topic: How good is vanguard website security?
Replies: 109
Views: 23930

Re: How good is vanguard website security?

Another security-related surprise, you don't get notified by email (i.e., at the old address) if someone logs in and changes your email address. So email notifications are not a reliable way to detect unauthorized activity. This is not true. Last week I changed my email address on file at Vanguard ...
by MitchL
Sun Jan 13, 2013 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Beware: Vanguard Year-End YTD statements are not YTD
Replies: 24
Views: 2855

Re: Beware: Vanguard Year-End YTD statements are not YTD

I have the same issue with VG. Message indicating 1099 available, but no where to be found. Nobody issues 1099's as early as now, that I know of. This is just sloppy communication. My brokerage has a notice of the dates in February when 1099's will be mailed/available for download as PDF's/availabl...
by MitchL
Tue Jan 01, 2013 1:29 pm
Forum: Personal Consumer Issues
Topic: Which Midsize SUV should I buy?
Replies: 67
Views: 9344

Re: Which Midsize SUV should I buy?

I'm considering the 2014 Subaru Forester, I think it'll be available this Spring. Improved gas mileage from last year. Manual transmission available.
by MitchL
Tue Jan 01, 2013 10:54 am
Forum: Investing - Theory, News & General
Topic: What was your 2012 return?
Replies: 275
Views: 25063

Re: What was your 2012 return?

14.99% (XIRR) split 71/29 using Vanguard and DFA funds.
Benchmark VTTVX (Target Retirement 2025) returned 13.29%.
by MitchL
Sun Mar 18, 2012 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Medical career at 37?
Replies: 68
Views: 5742

Re: Medical career at 37?

Main motivation is to help aging family members without anyone having to pay for most of it. As noted above, the portion of medical expenses you might save is rather small. Prescriptions, hospitalizations, surgery, MRI, CT, chemo, dialysis -- these are all very expensive and you would not be able t...
by MitchL
Mon Jan 02, 2012 9:27 am
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (December 2011)
Replies: 13
Views: 1994

Re: madsinger monthly report (December 2011)

Thank you Brad.

My 72/28, 40% international, moderately small/value tilted, no precious metals portfolio returned -2.64% last year.

Happy New Year!
Mitch
by MitchL
Wed Dec 28, 2011 12:49 pm
Forum: Investing - Theory, News & General
Topic: Tax loss harvest 2011
Replies: 2
Views: 306

Re: Tax loss harvest 2011

It would count towards the 2011 tax year if the "trade date" is in 2011. If you submit your transaction too late on 12/30/11 (see cut off on VG website) then your trade date will be 1/3/12 and it will be a 2012 trade.

Regards,
Mitch
by MitchL
Tue Nov 08, 2011 11:46 pm
Forum: Investing - Theory, News & General
Topic: Please help with 401(k) fund selection
Replies: 4
Views: 422

Re: Please help with 401(k) fund selection

The plan is set up so that there's a fund in each of the 9 style boxes and now that the American Funds is having a bad run we "need" to exchange that for a "better" fund. These funds are used as parts of a set of portfolios from which the employees can choose -- like the LifeStra...
by MitchL
Tue Nov 08, 2011 6:57 pm
Forum: Investing - Theory, News & General
Topic: Please help with 401(k) fund selection
Replies: 4
Views: 422

Please help with 401(k) fund selection

I am on the 401(k) committee at my work. Our provider's representative has recommended that we replace American Funds Growth Fund of America with Wells Fargo Advantage Growth A (load-waived, 12b-1 fee to be "refunded" to us). This fund is in the top 1% for 1-year, 3-year, 5-year and 10-yea...
by MitchL
Sun Nov 06, 2011 5:16 pm
Forum: Investing - Theory, News & General
Topic: No, but they moved to Wisconsin to dig for lead
Replies: 24
Views: 1957

Re: No, but they moved to Wisconsin to dig for lead

I just returned from China, where I was informed that Wisconsin is apparently widely known among the Chinese for producing the world's highest-quality ginseng. Who'd have thought? This was mentioned on this week's Marketplace Money in a story about Wausau, WI having the highest average credit score...
by MitchL
Fri Sep 02, 2011 10:50 am
Forum: Personal Finance (Not Investing)
Topic: anyone recommend Penfed Visa card (or another reward card)?
Replies: 64
Views: 13733

Hi Victoria,
I used the PenFed Promise card (Visa) in Europe with no foreign transaction fee and it worked great.
ML
by MitchL
Wed Aug 03, 2011 1:37 pm
Forum: Investing - Theory, News & General
Topic: Post your WRONG predictions here
Replies: 76
Views: 6837

Re: Post your WRONG predictions here

wakeboardermike wrote:
GammaPoint wrote:
nisiprius wrote:d) I expected stocks to go up sharply when the bill was passed and signed. I was wrong.


I thought the same thing and bought a decent-sized chunk of stock on Monday. It's dropped about 2-3% since then, but oh well.


Same


Friday :roll:
by MitchL
Sat Apr 30, 2011 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Dumb Question from a Novice [HOW to start investing?]
Replies: 23
Views: 3930

If you have ever ordered anything through a mail-order catalog or online, then investing since the 1980's is pretty much like that. You could look at a catalog online of investments such as mutual funds offered by Vanguard on their web site. You can then fill out an order form and order what you wa...
by MitchL
Sun Mar 27, 2011 11:56 am
Forum: Investing - Help with Personal Investments
Topic: credit card with no foreign currency transaction fee
Replies: 19
Views: 6835

PenFed Promise Card
by MitchL
Sat Mar 19, 2011 11:00 am
Forum: Personal Finance (Not Investing)
Topic: HSA gotchas?
Replies: 17
Views: 2861

We're on an HSA with Blue Cross Blue Shield. We always ask our medical provider what the BCBS rate is and what their "cash" rate is for an office visit. Since we have a $5K deductible, and are fairly healthy, it's often cheaper to pay the cash. We can always claim the receipts at the end ...
by MitchL
Sat Mar 19, 2011 10:44 am
Forum: Personal Consumer Issues
Topic: delivery big screen TV?
Replies: 22
Views: 3008

Bought mine at CostCo. Conveniently located next door to Home Depot where flat bed truck rental was ~$20.
by MitchL
Wed Mar 02, 2011 5:27 pm
Forum: Personal Consumer Issues
Topic: best software to restrict and monitor internet use?
Replies: 31
Views: 3753

Hi Jeff,
Here's an article from David Pogue regarding OpenDNS, looks like it does content filtering, is free, I don't know about the on/off ability as I haven't tried those features.
http://www.nytimes.com/2010/08/19/techn ... pogue.html

Regards,
Mitch

p.s. I see Polaris just mentioned this also...
by MitchL
Tue Jan 25, 2011 7:50 am
Forum: Personal Consumer Issues
Topic: Price of Lipitor
Replies: 44
Views: 9671

Depending on the dose you are taking, you could ask your doctor about changing to pravastatin or simvastatin as these are generic and significantly cheaper.

Mitch
by MitchL
Sun Jan 23, 2011 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Travelex requests a lot of info for prepaid Euro cards...
Replies: 2
Views: 694

I agree, but I don't feel like I should have to 'open a bank account' to get a temporary prepaid card.
by MitchL
Sun Jan 23, 2011 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Travelex requests a lot of info for prepaid Euro cards...
Replies: 2
Views: 694

Travelex requests a lot of info for prepaid Euro cards...

Has anyone used Travelex to buy a Euro prepaid card? I'm trying to figure out if buying a prepaid Chip & PIN card is worth the hassle. (Travelex says they plan to offer one of these cards in early 2011.) You can fund this with a credit card though it appears to be a 'cash advance.' I looked at t...
by MitchL
Sun Jan 02, 2011 10:02 pm
Forum: Investing - Theory, News & General
Topic: 2011 BOGLEHEAD CONTEST REGISTRATION
Replies: 374
Views: 35136

1081.57
by MitchL
Fri Dec 31, 2010 7:38 pm
Forum: Investing - Theory, News & General
Topic: 2010 Annual Returns Thread
Replies: 104
Views: 14123

livesoft wrote:Some folks must not have any bond funds since those funds won't post December dividends until next year.


I just guessed... :)
by MitchL
Fri Dec 31, 2010 7:33 pm
Forum: Investing - Theory, News & General
Topic: 2010 Annual Returns Thread
Replies: 104
Views: 14123

XIRR 15.55%

Domestic 38%
Foreign 26%
REIT 7%
Bond 29%
by MitchL
Sun Dec 05, 2010 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Adventures in paying off my mortgage
Replies: 23
Views: 9531

I recently had a very pleasant experience with Your Least Favorite Mortgage Company. Initially somewhat frustrating as they needed a "Payoff Date," essentially me estimating how long the mail would take to get a check to them. The phone rep then pointed out my escrow balance was larger tha...
by MitchL
Thu Nov 18, 2010 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Doctors: a "test list" of expensive drugs?
Replies: 39
Views: 8261

Here are some of the more expensive meds I might prescribe. I'll include a dosing range, can look up prices on drugstore.com. Prograf 1 to 5 mg twice a day (5 mg bid = $1404 for one month) CellCept 500 to 1500 mg twice a day Hectorol 0.5 to 2 mcg daily Uloric 40 to 80 mg daily Tekturna 150 to 300 mg...
by MitchL
Wed Jun 09, 2010 11:06 am
Forum: Personal Finance (Not Investing)
Topic: distributions for dummies
Replies: 6
Views: 1305

The Mitch Dividend Express Mutual Fund (MTCHX) works like this: The fund holds 100 shares each of 365 different companies. Each company's stock share is worth $10 (the share value is fixed for the whole year at $10 for this example). The total value of MTCHX is $365,000. MTCHX has 36,500 outstanding...
by MitchL
Wed May 26, 2010 12:43 pm
Forum: Investing - Theory, News & General
Topic: Help - What is the dividend yield?
Replies: 1
Views: 726

Help - What is the dividend yield?

I'm having trouble deciphering the Morningstar yield information for a fund in my 401(k). On the initial page it says the fund's yield is 1.51%: m But on the portfolio page it says the yield is 4.9%: m The second page is "as of 2-28-10" but the 3 month return of ~ -7% does not explain the ...