Search found 2823 matches

by goingup
Fri Dec 15, 2017 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: Year End Distribution for ACINX
Replies: 10
Views: 706

Re: Year End Distribution for ACINX

munemaker- Looks like LAIAX (class A) shares are payable 12/18. The range of the cap gains distributions is 5.49%-5.81% of NAV for class A shares. I would think (though I don't know) that it would be the same for institutional shares. https://www.columbiathreadneedleus.com/content/columbia/pdf/2017_...
by goingup
Fri Dec 15, 2017 11:31 am
Forum: Investing - Help with Personal Investments
Topic: What happened to Bridgeway???
Replies: 14
Views: 1487

Re: What happened to Bridgeway???

Dividends? Capital Gains distributions? Tis the season.
by goingup
Thu Dec 14, 2017 5:51 pm
Forum: Investing - Theory, News & General
Topic: Ensuring I don't buy the dividend
Replies: 28
Views: 1522

Re: Ensuring I don't buy the dividend

anonsdca- Not buying the dividend is common wisdom. Personally, I would only care if it was a large purchase, but the rule remains true for any buy in a taxable account. Say I bought $100K of Wellington today. A week or so from now Vanguard will send me a $3,900 dividend which I will owe taxes on in...
by goingup
Thu Dec 14, 2017 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: I’ve made huge errors and hope it’s not too late
Replies: 35
Views: 4930

Re: I’ve made huge errors and hope it’s not too late

I'm a bit more dour than the other posters. :shock: This is just my opinion, but you should proceed with caution. I've read that advisors discuss clients like you as being their biggest challenge. You are now being lured into the market because you can't stand the regret any longer. You feel you hav...
by goingup
Thu Dec 14, 2017 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Recast mortgage as part of a pay down strategy
Replies: 60
Views: 2995

Re: Recast mortgage as part of a pay down strategy

Why else would the bank allow this to happen yearly? :wink: Many banks charge a nominal fee for it. Also, they would prefer to keep your business (the loan) rather than have you leave and refi with somebody else. Since you'll be paying the exact same amount of interest in a recast, it doesn't matte...
by goingup
Thu Dec 14, 2017 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Recast mortgage as part of a pay down strategy
Replies: 60
Views: 2995

Re: Recast mortgage as part of a pay down strategy

From a risk mitigation perspective reducing the required monthly outlay to me seems like there is a value there. Is there a risk to mitigate? Most people responding to your post are concluding there doesn't appear to be a risk and you're using time and energy with little benefit. You seem adamant a...
by goingup
Thu Dec 14, 2017 10:02 am
Forum: Investing - Help with Personal Investments
Topic: Only Wellington and Wellesley in retirement portfolio. Is that a good idea?
Replies: 15
Views: 2263

Re: Only Wellington and Wellesley in retirement portfolio. Is that a good idea?

I think it's a fine idea. Very easy to maintain. My only qualm would be there's very little international in either fund. I might consider pairing Wellington Global with plain old Wellesley.
by goingup
Wed Dec 13, 2017 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable vs. Tax Deferred - not much difference?
Replies: 56
Views: 4263

Re: Taxable vs. Tax Deferred - not much difference?

Plus you'd have the benefit of always having that money available (in taxable) should you need it for any reason. This really isn't a benefit. Retirement savings should be locked in the vault, so it's hard to get to, and ready for you when you no longer earn income. A guy posted here recently who h...
by goingup
Wed Dec 13, 2017 4:48 pm
Forum: Personal Consumer Issues
Topic: Who is Right Me or Spouse
Replies: 51
Views: 3167

Re: WHO IS RIGHT ME or SPOUSE

Same $100, just address the card to both of them. Yes, this is how I handle married nieces. Send a crisp $100 to each of our 4 nieces, now all married and with children. The card reads, "Have pizza on us! Merry Christmas". My oldest niece is 46 now but I can't help but think getting a crisp Benjami...
by goingup
Wed Dec 13, 2017 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: buying Vanguard VTI in my Etrade acct verses Vanguard?
Replies: 4
Views: 272

Re: buying Vanguard VTI in my Etrade acct verses Vanguard?

I think that's a tough question to answer without knowing how many trades you'll make into how many funds. For instance, if you plan to contribute to 3 funds each month, you'll pay 3 X 12 X 4.95. That's $178. When you pay $0 trading fees, you're not constrained by them. I don't pay trading fees, but...
by goingup
Wed Dec 13, 2017 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Quantity of places to hold assets
Replies: 11
Views: 956

Re: Quantity of places to hold assets

Taylor has a list of reasons he feels are beneficial to holding assets at one administrator. Some of the reasons are: Easier to manage Easier for heirs to manage Benefits are afforded to biggest customers Usually lower ERs, trading costs Fewer tax forms to organize I'm in favor of keeping the number...
by goingup
Tue Dec 12, 2017 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 156
Views: 16819

Re: What to do after losing $117k in stock market?

Ten years ago, I lost $210K while still in school (student loans and credit cards). My suggestion would be to contribute to tax advantaged accounts up to the limit, then put the rest toward student loans. It is nice feeling to see declining loan balances. It provides a sense of accomplishment that ...
by goingup
Tue Dec 12, 2017 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Quantity of places to hold assets
Replies: 11
Views: 956

Re: Quantity of places to hold assets

Many on this forum are all in or have substantial assets in Vanguard. To say they are "informed" is understated. According to Morningstar, Vanguard has approx 4.5 Billion in assets under management . And, six out of the 10 largest mutual funds by asset size belong to Vanguard, with the largest, Van...
by goingup
Tue Dec 12, 2017 9:25 am
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 156
Views: 16819

Re: What to do after losing $117k in stock market?

Ten years ago, I lost $210K while still in school (student loans and credit cards). My suggestion would be to contribute to tax advantaged accounts up to the limit, then put the rest toward student loans. It is nice feeling to see declining loan balances. It provides a sense of accomplishment that ...
by goingup
Mon Dec 11, 2017 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Tax Consequences of Un-Jointing a Joint Account
Replies: 19
Views: 989

Re: Tax Consequences of Un-Jointing a Joint Account

Yes, just call Vanguard. It can't be an uncommon request. I'm sure it can be done without selling or tax consequence. (You do not have to tell us why.)
by goingup
Sun Dec 10, 2017 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Auto-reinvest active funds (Wellesley/Balanced) in taxable? LIFO?
Replies: 23
Views: 1333

Re: Auto-reinvest active funds (Wellesley/Balanced) in taxable? LIFO?

Since these funds are long term buy and hold and you don't wish you spend the dividends, I'd reinvest for simplicity. If you use SPEC ID, these reinvestments may afford you the chance to TLH if/when the market tanks and those new purchased shares lose value. Otherwise they appreciate and rock on! I ...
by goingup
Sun Dec 10, 2017 10:54 am
Forum: Personal Finance (Not Investing)
Topic: What are your big-picture ‘rules of life’ —financial or otherwise?
Replies: 123
Views: 12846

Re: What are your big-picture ‘rules of life’ —financial or otherwise?

Another move is imminent, likely back to CA, and this time we have vowed to ‘get it right.’ But how? Married 10 years, a dear daughter, and decent jobs. I suspect you've been getting it right all along! I'm an incrementalist. Small steps in a positive direction. Write out goals and intentions. Move...
by goingup
Sat Dec 09, 2017 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: Exchanging managed funds for Indexed funds
Replies: 10
Views: 592

Re: Exchanging managed funds for Indexed funds

in a taxable vanguard account i have a mix of indexed and managed funds - i have learned in the past 5 years to only purchase index funds to avoid the yearly tax penalty that comes from managed funds - we have about $ 90,000 in profits in the managed funds plus another $ 40,000 in profits from abou...
by goingup
Sat Dec 09, 2017 2:28 pm
Forum: Investing - Theory, News & General
Topic: Volatility of Vanguard Intermediate-Term Tax-Exempt Fund
Replies: 14
Views: 1492

Re: Volatility of Vanguard Intermediate-Term Tax-Exempt Fund

A lot of articles and discussion over the years appear to recommend no higher than a 50% of bond allocation to tax exempt bonds . A couple years ago Alan Roth was suggesting no more than 20% munis in a bond allocation. http://blog.aarp.org/2015/07/14/4-reasons-not-to-load-up-on-muni-bonds/ Muni bon...
by goingup
Sat Dec 09, 2017 12:43 pm
Forum: Investing - Theory, News & General
Topic: Volatility of Vanguard Intermediate-Term Tax-Exempt Fund
Replies: 14
Views: 1492

Re: Volatility of Vanguard Intermediate-Term Tax-Exempt Fund

A lot of articles and discussion over the years appear to recommend no higher than a 50% of bond allocation to tax exempt bonds . A couple years ago Alan Roth was suggesting no more than 20% munis in a bond allocation. http://blog.aarp.org/2015/07/14/4-reasons-not-to-load-up-on-muni-bonds/ Muni bon...
by goingup
Fri Dec 08, 2017 7:52 pm
Forum: Personal Consumer Issues
Topic: Gift Giving Strategy for Married Couples
Replies: 20
Views: 1678

Re: Gift Giving Strategy for Married Couples

I have trained myself to be a better gift giver because it doesn't come naturally to me. I'm not a "stuff" person. However, Christmas gifts are meaningful to my SO and other family members. Therefore, I try to think hard about what will be appreciated and enjoyed. Some years I'm able to elicit delig...
by goingup
Fri Dec 08, 2017 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity charges to close accounts!
Replies: 65
Views: 22350

Re: Fidelity charges to close accounts!

IMO, those who leave a dollar or similar to “show them” are spiteful and childish. Moreover it has no material impact. Huh? Why is it not savvy rather than spiteful? The material impact is objectively $50. I'm not the poster who said that, but I don't find it savvy to keep a $1 in an account to out...
by goingup
Fri Dec 08, 2017 8:51 am
Forum: Investing - Help with Personal Investments
Topic: Does a Boglehead ever time the market?
Replies: 65
Views: 4368

Re: Does a Boglehead ever time the market?

So it seems to me that Mr Bogle is advocating that it is unwise to invest in overpriced markets, so the best thing I can do as an indexer, is to wait until the market is fair valued or undervalued, then invest for the long term in index funds. I think you're taking the wrong lessons from Jack Bogle...
by goingup
Thu Dec 07, 2017 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: What do Bogleheads say when they don't want to spend money?
Replies: 103
Views: 5734

Re: What do Bogleheads say when they don't want to spend money?

This is a strange thread. Someone today was telling me about a show they watch on Netflix. They asked me if I'd seen it. Nah, don't have Netflix, I said. Shrug. No further explanation needed.
by goingup
Thu Dec 07, 2017 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Timing the housing market
Replies: 35
Views: 2589

Re: Timing the housing market

Afty wrote:
Wed Dec 06, 2017 1:39 pm
There's no guarantee that when the market softens, it will soften below the current price.
Like the stock market, home prices can stay irrational longer than you can stay solvent.
Excellent points!
by goingup
Thu Dec 07, 2017 9:24 am
Forum: Investing - Help with Personal Investments
Topic: Analyzing Expense Ratios
Replies: 39
Views: 2322

Re: Analyzing Expense Ratios

Choose pre-tax or post-tax contributing, but do participate. The automatic payroll deduction (forced savings) is the chief reason people are able to accrue large retirement nest-eggs in 401Ks. The fees you've mentioned aren't great. It is unusual to pay loads in a 401K, but you said you took the inf...
by goingup
Wed Dec 06, 2017 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity charges to close accounts!
Replies: 65
Views: 22350

Re: Fidelity charges to close accounts!

We found out the same thing today. You can either close the account and they charge you $50 or leave a minimum of $50 in the account. This is a Traditional IRA. They told us they would also do the same for our Roth IRA. What a ripoff! Vanguard does not charge this fee. I think we'll just eat the $1...
by goingup
Wed Dec 06, 2017 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Timing the housing market
Replies: 35
Views: 2589

Re: Timing the housing market

So what are your thoughts on timing the housing market when shopping for a home? If it were easy to do this, everyone would do it. It's not. If you're in absolutely no hurry you can wait until the market softens. You'll know this because there will be lots of inventory and people will begin talking...
by goingup
Wed Dec 06, 2017 12:52 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 242
Views: 15713

Re: Do people still use AAA?

Yes, since the 90's. Towing, lock-outs, dead batteries, maps, hotel discounts. I got 10% off theater tickets last week which was nice. We also have roadside service with LandRover but having AAA is cheap insurance. I think it's $90/year for 2 drivers.
by goingup
Tue Dec 05, 2017 11:43 am
Forum: Investing - Theory, News & General
Topic: Vanguard customer service reps need some training
Replies: 66
Views: 7081

Re: Vanguard customer service reps need some training

I wonder if this really was a case of poor customer service or if the rest of the transactions were still in process. I'm old and ever hopeful. Often when I wait a day or two the thing that I thought was a problem really wasn't. Hopeful and patient. :beer
by goingup
Mon Dec 04, 2017 11:51 am
Forum: Investing - Theory, News & General
Topic: 15 Questions To Ask When Choosing A Financial Advisor
Replies: 9
Views: 1124

Re: 15 Questions To Ask When Choosing A Financial Advisor

I recall that William Bernstein has evolved from believing most people can do it themselves to believing only very few can. I think he now believes very few have the investment knowledge, math/stats knowledge, financial history knowledge, and behavioral self control to actually do it well themselve...
by goingup
Sun Dec 03, 2017 12:26 pm
Forum: Personal Consumer Issues
Topic: Card declined - blocked country
Replies: 49
Views: 3277

Re: Card declined - blocked country

I'm dubious about the customer service rep's answer, unless it's a Visa issued by a credit union (as Nisiprius has revealed). Were you using a credit union Visa? Did you try a different Visa card? Was this at an ATM? If so did you try a different $$ amount? Mastercard from a credit union (RBFCU). I...
by goingup
Sun Dec 03, 2017 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Housing Heuristics - Rising Income
Replies: 15
Views: 1218

Re: Housing Heuristics - Rising Income

Not aware of any heuristics regarding increasing wages. That's a big variable.

We've owned 3 homes. Each time we bought the best house we could comfortably afford at the time.
by goingup
Sun Dec 03, 2017 10:07 am
Forum: Personal Consumer Issues
Topic: Card declined - blocked country
Replies: 49
Views: 3277

Re: Card declined - blocked country

I'm dubious about the customer service rep's answer, unless it's a Visa issued by a credit union (as Nisiprius has revealed).

Were you using a credit union Visa?
Did you try a different Visa card?
Was this at an ATM? If so did you try a different $$ amount?
by goingup
Sun Dec 03, 2017 9:42 am
Forum: Investing - Help with Personal Investments
Topic: Want to sell my Bitcoin, but when?
Replies: 90
Views: 8734

Re: Want to sell my Bitcoin, but when?

coalcracker wrote:
Fri Dec 01, 2017 7:04 pm
I had planned to buy and hold until July 2018 so any gains would be long-term...
If it were my experiment I'd stick to the original plan. Sell in July.
by goingup
Sat Dec 02, 2017 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio check before I pull the trigger
Replies: 7
Views: 891

Re: Portfolio check before I pull the trigger

Your taxable and 401K look good to me. I wouldn't try to mirror the Roth with the tIRA. I like bonds in the tIRA and growthier funds in the Roth. I don't have a problem with having Emerging Markets, REITs, Small Value if that's what you want. The most important thing for me is to have tax-efficient ...
by goingup
Sat Dec 02, 2017 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Reduce risk tolerance - Vanguard Target Funds
Replies: 43
Views: 1890

Re: Reduce risk tolerance - Vanguard Target Funds

tampaite wrote:
Fri Dec 01, 2017 10:32 am
Update: Placed an order to exchange 100% of shares which were in 2050 fund with 2030 fund.
What did you decide about future contributions?
by goingup
Sat Dec 02, 2017 11:25 am
Forum: Investing - Theory, News & General
Topic: Which crash have you seen it before it is coming?
Replies: 134
Views: 10088

Re: Which crash have you seen it before it is coming?

You don't need to be able to correctly foretell a crash. I assume that train is always on the tracks heading my way and plan accordingly. We all take risks by being investors. Inevitably, risk shows up!
by goingup
Fri Dec 01, 2017 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Step by Step Vanguard Tax implications
Replies: 13
Views: 760

Re: Step by Step Vanguard Tax implications

snowox wrote:
Fri Dec 01, 2017 9:19 am
an area in the Vanguard site that shows the total withdrawals year to date
There's a tab under your account info called "Realized Gains/Losses". This includes info about gains/losses of selling shares in your taxable account. Not sure if that's what your asking..
by goingup
Thu Nov 30, 2017 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: Reduce risk tolerance - Vanguard Target Funds
Replies: 43
Views: 1890

Re: Reduce risk tolerance - Vanguard Target Funds

How's about swapping your balance and future contributions to TR2040 and call it good? Why have 2 TR funds when one can suffice.
by goingup
Wed Nov 29, 2017 10:51 am
Forum: Personal Finance (Not Investing)
Topic: When to tell the SO about my financial situation?
Replies: 109
Views: 5759

Re: When to tell the SO about my financial situation?

...money you make...how much money... have money...much money ...piss away money.. if you have money,... guy with money... girl just wants me for my money...about the money etc etc. I took the liberty of condensing the essence of your post. :shock: It probably will be important for you to have a ma...
by goingup
Tue Nov 28, 2017 2:13 pm
Forum: Investing - Theory, News & General
Topic: ETFs Advantage?
Replies: 28
Views: 1658

Re: ETFs Advantage?

whodidntante wrote:
Tue Nov 28, 2017 1:31 pm
Another advantage is that ETFs annoy stodgy, inflexible people.
Ouch! It's true! :wink:
by goingup
Tue Nov 28, 2017 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Can I afford a $1,400,000 house
Replies: 93
Views: 8894

Re: Can I afford a $1,400,000 house

White Coat Investor wrote:
Tue Nov 28, 2017 3:37 am
Live like a resident until the loans are paid off. Or at least until you get back to broke.
OP- White Coat Investor has been in your shoes. Check out his post about this very thing.
https://www.whitecoatinvestor.com/live-like-a-resident/
by goingup
Tue Nov 28, 2017 9:48 am
Forum: Investing - Help with Personal Investments
Topic: Divs and Cap Gains are killing me
Replies: 96
Views: 7976

Re: Divs and Cap Gains are killing me

ps56k- It sounds like you have substantial taxable holdings which produce lots of dividends. You retired early, but don't need all the dividend/capital gains distributions to cover expenses, so you're reinvesting much of that income. If you truly want fewer of these tax-inefficient holdings then: Do...
by goingup
Tue Nov 28, 2017 9:13 am
Forum: Investing - Help with Personal Investments
Topic: Active to Passive - but how to get there?
Replies: 9
Views: 888

Re: Active to Passive - but how to get there?

This is the usual problem when trying to untangle yourself from an FA. It's done by design to keep you trapped with your broker. Someone who posted here had 140 individual holdings to sort through. Nuts. Things you can do: Don't reinvest dividends. Have them swept to cash or MM and purchase index fu...
by goingup
Mon Nov 27, 2017 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Analysis Paralysis: Can you get to the bottom of things?
Replies: 136
Views: 9497

Re: Analysis Paralysis: Can you get to the bottom of things?

Since dbr is quoting Alice in Wonderland , I'll add my favorite quote also which seems instructive at this point: The White Rabbit put on his spectacles. `Where shall I begin, please your Majesty?' he asked. `Begin at the beginning,' the King said gravely, `and go on till you come to the end: then s...
by goingup
Mon Nov 27, 2017 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Analysis Paralysis: Can you get to the bottom of things?
Replies: 136
Views: 9497

Re: Analysis Paralysis: Can you get to the bottom of things?

TD2626: Jack Bogle has famously said, "Invest we must". He has also said, "Time is your friend and impulse your enemy.". If you do plan to invest, you have all the information you'll ever need to set a course, and get invested. You started a thread in July called The Quest for Perfection, proposing ...
by goingup
Mon Nov 27, 2017 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation: Max Drop
Replies: 9
Views: 1058

Re: Asset Allocation: Max Drop

This is from the forum wiki:
https://www.bogleheads.org/wiki/Asset_allocation

Asset Allocation %
(Stock/Bond) Exposure to
Maximum Loss
20/80 5%
30/70 10%
40/60 15%
50/50 20%
60/40 25%
70/30 30%
80/20 35%
90/10 40%
100/0 50%
by goingup
Sat Nov 25, 2017 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Thankful for the Debt we Took - Should we Try Again?
Replies: 95
Views: 9302

Re: Thankful for the Debt we Took - Should we Try Again?

It has been to be in the equity market for the last 8 years. I now might be thinking about how to refinance the ARM to a 15 year and focus on getting the house paid off.
by goingup
Fri Nov 24, 2017 7:23 pm
Forum: Personal Consumer Issues
Topic: Toyota older, "good" cars - my observations
Replies: 52
Views: 5485

Re: Toyota older, "good" cars - my observations

It makes sense. Speaking in general terms a Corolla is a young person's "starter" car and young people drive a lot. A Camry appeals to older folks and they probably drive less.