Search found 48 matches

by DLS724
Tue Nov 27, 2012 6:05 am
Forum: Investing - Help with Personal Investments
Topic: Taxable Bond Funds
Replies: 13
Views: 1737

Re: Taxable Bond Funds

If you're willing to take some risk, you should look at the Vanguard Wellesley Income Fund (VWIAX for the admiral shares). It holds 2/3 bonds and 1/3 high dividend paying stocks. It has a low expense ratio and a very long history.

DLS
by DLS724
Thu Jul 26, 2012 7:58 am
Forum: Investing - Help with Personal Investments
Topic: a broker for non-u.s resident
Replies: 9
Views: 2496

Re: a broker for non-u.s resident

Aby,
Are you a US citizen living abroad or are you a non-US citizen?

If the latter, you might have trouble getting any of the brokers to open an account for you.

DLS
by DLS724
Wed Dec 14, 2011 3:55 am
Forum: Investing - Theory, News & General
Topic: Are GNMA Funds Still Bad?
Replies: 24
Views: 3317

Re: Are GNMA Funds Still Bad?

I have been very pleased with the performance of my GNMA fund this year. I'm also not very worried (not at all worried, lets say) about "refinancing due to lower interest rates." Plus, I think it will be a long time before rates will rise enough to make sense to switch out of GNMAs into a plain vani...
by DLS724
Sun Oct 09, 2011 5:00 am
Forum: Personal Consumer Issues
Topic: Do you have kid(s), or at least want to have kid(s)?
Replies: 273
Views: 15428

I have 8.
I would have had 8 more - but my biological clock kicked in.

Oh well, here's waiting for grandchildren.
:D
by DLS724
Sun Oct 09, 2011 4:49 am
Forum: Investing - Help with Personal Investments
Topic: Am I Crazy to Pay Off My Mortgage?
Replies: 71
Views: 10554

We paid off the last payment on our mortgage in July. That was after we had paid down large chunks a couple of times over the last 13 years. I vote with those who say it is a big relief not to have the mortgage. Also, since we were hit with higher school fees for two of our children in September, I'...
by DLS724
Sat May 28, 2011 5:05 pm
Forum: Investing - Theory, News & General
Topic: Laura's latest Forbes Column
Replies: 30
Views: 4085

SpringMan wrote: Another limitation is the expense ratio of the Vanguard target date funds is more than that of the same portfolio put together using admiral shares or ETFs. The target date funds use investor share class. How many basis points of expense is simplicity worth? Until the investor unde...
by DLS724
Wed May 18, 2011 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Did you consider the financial aspects of having children?
Replies: 151
Views: 14244

Nope!
You will grow as a person in so many ways by having and raising children. And that cannot be calculated in dollars and cents.

DLS
Mother of 8
by DLS724
Thu May 12, 2011 1:38 pm
Forum: Personal Consumer Issues
Topic: Bread Machines
Replies: 26
Views: 3215

I have a bread machine and love it. I live abroad,though, so the brand - Morphy Richards - isn't really applicable to most of this readership. One of the main benefits of the bread machine is that you can put in all the ingredients at night and have a fresh loaf of bread waiting for you in the morni...
by DLS724
Thu May 12, 2011 1:24 pm
Forum: Personal Consumer Issues
Topic: Bread Machines
Replies: 26
Views: 3215

I have a bread machine and love it. I live abroad,though, so the brand - Morphy Richards - isn't really applicable to most of this readership. One of the main benefits of the bread machine is that you can put in all the ingredients at night and have a fresh loaf of bread waiting for you in the morni...
by DLS724
Sun May 08, 2011 4:44 pm
Forum: Personal Consumer Issues
Topic: Homeschooling
Replies: 70
Views: 10506

Honest question here: How do people with multiple kids home-school? If you've got a 14 year-old, a 11 year-old, and a 6 year-old... How do you divide your time? I can't speak for myself, because I'm only a wanna be homeschooler, but if you really want to know how people with multiple kids do it, ch...
by DLS724
Wed Apr 13, 2011 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Does anyone have experience Checking/Banking with Fidelity
Replies: 27
Views: 8066

I use Fidelity for banking and brokerage. I am very pleased. They have very good customer service. I am SO happy that I left Citibank!
by DLS724
Sun Mar 27, 2011 7:56 am
Forum: Investing - Help with Personal Investments
Topic: I FINALLY narrowed it down. Two choices...spot what I can't.
Replies: 7
Views: 1716

EW-
As Landy said, the enemy of a good plan is a perfect plan.

One comment:

For choice, I think it's better to hold VTIAX in your taxable account and VTSAX in the Roth so that you can use the foreign tax credit for foreign dividends.

DLS
by DLS724
Wed Mar 16, 2011 2:53 am
Forum: Investing - Help with Personal Investments
Topic: Were you a net buyer of equities betwn Mar 11-16 inclusive?
Replies: 76
Views: 9806

Bought $5k of VWO and $5k of DLS about 1/2 hour after the opening yesterday. As of the close, it was a good move.
Who knows what tomorrow brings?!
by DLS724
Thu Jan 27, 2011 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: How can I convince my parents to avoid a money manager?
Replies: 29
Views: 3425

It doesn't sound like you're going to get your parents to change their minds. So, why don't you try the "if you can't beat 'em, join 'em tactic"? Rather than trying to get them to DIY, why don't you suggest they speak with one of the low cost reputable advisors who contribute to this forum. That way...
by DLS724
Wed Jan 26, 2011 2:42 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity questions
Replies: 11
Views: 1906

I have been with Fidelity since 2004. We have our taxable account and I have my Roth there, plus a checkbook and VISA. Since I live overseas, it seems to be more hassle than its worth to even consider changing to anywhere else (e.g. Vanguard). Their representatives have always been very helpful and ...
by DLS724
Wed Jan 19, 2011 5:05 pm
Forum: Personal Consumer Issues
Topic: FAKE lawn...whaddaya think?
Replies: 38
Views: 5348

We put in fake grass about 1 1/2 years ago in a small area of our small garden. I don't know the brand. It's good quality stuff, not rubbery. It comes from Europe, if I'm not mistaken, and has shades of yellow in it so it looks less fake than other alternatives. We live in Israel, not exactly a cool...
by DLS724
Wed Jan 12, 2011 6:03 pm
Forum: Investing - Theory, News & General
Topic: Interview with Christine Benz of M*
Replies: 12
Views: 2747

And NO LOADS.

sorry, I forgot the most important part.
by DLS724
Wed Jan 12, 2011 6:02 pm
Forum: Investing - Theory, News & General
Topic: Interview with Christine Benz of M*
Replies: 12
Views: 2747

I am not advocating this fund. However, for those who might be interested, the PIMCO Total Return fund, it is available in D class shares for a much lower ER (0.76%) PTTDX http://quote.morningstar.com/fund-filing/Summary-Prospectus/2010/7/31/t.aspx?t=PTTDX&ft=497K&d=f8a279078afdf62d2875468e35397f6d ...
by DLS724
Thu Jan 06, 2011 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: Hello [investing from the UK]
Replies: 17
Views: 1987

A few months ago Oblivious Investor (Mike Piper) posted a link in his weekly email to The Monevator's discussion of UK Lazy Portfolios.

The discussion can be viewed here:
http://monevator.com/2010/10/19/9-lazy- ... tors-2010/
by DLS724
Sat Jan 01, 2011 5:06 pm
Forum: Investing - Theory, News & General
Topic: 2011 BOGLEHEAD CONTEST REGISTRATION
Replies: 374
Views: 36926

1207
by DLS724
Sat Dec 18, 2010 5:17 pm
Forum: Personal Consumer Issues
Topic: Won Free XBOX 360 with Kinect - Keep or Craigslist?
Replies: 25
Views: 3390

Spoken like a guy without children, or perhaps with only very young children. Wrong! Mother of 8 children, ages 3-19. 3 girls and 5 boys! I KNOW what it's like to entertain a houseful of boys with cabin fever on a rainy day. It ain't easy. And our kids do not hang out on the computer all day. They ...
by DLS724
Thu Dec 16, 2010 5:20 pm
Forum: Personal Consumer Issues
Topic: Won Free XBOX 360 with Kinect - Keep or Craigslist?
Replies: 25
Views: 3390

Craiglist!
Take your son to the park, throw a baseball with him, read him good books to him, like classics.
Every minute of your life lost to the XBOX is a minute lost.
by DLS724
Tue Dec 14, 2010 3:20 pm
Forum: Investing - Theory, News & General
Topic: How Does M* Compute Standard Deviation?
Replies: 6
Views: 1767

"At Morningstar, the standard deviation is computed using the trailing monthly total returns for the appropriate time period. All of the monthly standard deviations are then annualized. I think it's important to understand why they use monthly rather than annual returns - if you use annual returns,...
by DLS724
Thu Dec 09, 2010 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Poll: How do you keep your house clean?
Replies: 101
Views: 16470

With 10 of us living under the same roof, the dust, the fingerprints, the dirty dishes, dirty laundry, spots on the floor etc. are constantly building up .......and we are always cleaning something. We have a cleaning lady once a week for 3 hours and we do a DEEP spring cleaning every year.
by DLS724
Thu Dec 02, 2010 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: Can a dummy do this themselves or should I pay an advisor??
Replies: 74
Views: 9535

The CFP is making a strong and persuasive argument that active management can outperform passive and get returns over and above her fees. I understand it is in her benefit to do so, but I do feel that she strongly believes it and it isn't just a sales pitch. Don't ever forget that her compensation ...
by DLS724
Tue Nov 30, 2010 6:17 pm
Forum: Investing - Theory, News & General
Topic: "Can I Retire?" -- A Gem
Replies: 18
Views: 8080

I keep trying to tell my wife that! I don't think she's buying it.
Well, if the book sells well then she should be able to buy herself a new dress instead.
I have ordered my copy in order to help her reach her goal.
I look forward to its imminent arrival.

DLS
by DLS724
Sat Nov 27, 2010 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion and Foreign Tax Credit
Replies: 12
Views: 3629

- I live abroad, and am eligible for the foreign earned income exclusion - My foreign income for 2010 is very low, thus I have a lot of unused FEI exclusion. - If I convert my Traditional IRA to Roth in 2010, can this amount be treated as Foreign Earned Income, and thus be excluded from ordinary ta...
by DLS724
Thu Nov 11, 2010 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Longterm Care Insurance--Any Words of Wisdom?
Replies: 7
Views: 1711

We purchased an indemnity type policy for both of us eight years ago. The company is Allianz. We just got our first rate increase of 25%. I read that Metlife and Hancock have rate increases planned also. Metlife just announced that after Dec 30th this year, they will no longer be offering LTC insur...
by DLS724
Wed Nov 10, 2010 2:57 pm
Forum: Personal Consumer Issues
Topic: Windows 7: Worth the upgrade from XP
Replies: 47
Views: 6215

Sort for being unclear. I DO NOT plan to install Win 7 on the old machine as it runs fine w XP. Kids will get that. I'll by a new machine w Win 7 preinstalled. Just did this two weeks ago. The 7year old computer was donated to a new high school in the neighborhood. We like our kids to ride bikes, c...
by DLS724
Sun Nov 07, 2010 3:54 pm
Forum: Investing - Theory, News & General
Topic: New Wiki article: "Three-fund portfolio"
Replies: 39
Views: 11115

* Larger portfolios may benefit from adding TIPS, REIT, or a Small-Cap Value fund in tax-deferred acounts.
Taylor,
A quick question, for clarification: How large is a "larger portfolio"?

Thank you,
DLS
by DLS724
Tue Nov 02, 2010 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Pre-Divorce Advice Needed
Replies: 109
Views: 14288

A wise man, father of 7 and grandfather of I don't know how many, told me more than once: Marriage is not give and take; it is all give. I was single at the time and far from marriage. I had no clue why he was telling me this. Now that I have been married for 20 years I appreciate his words of wisdo...
by DLS724
Sat Oct 23, 2010 3:59 pm
Forum: Investing - Help with Personal Investments
Topic: To the Investment Seminar and back again
Replies: 6
Views: 1544

Oh, and I won a travel mug in the door prize raffle. I don't drink coffee. So it goes.
They're also good for tea and hot cocoa. I wouldn't be so hasty if I were you.
by DLS724
Sat Oct 16, 2010 7:22 pm
Forum: Personal Consumer Issues
Topic: My 3 year old hates preschool
Replies: 49
Views: 9389

I agree, that most 3 year olds love nursery school.
I have been through this with each of my 8 children (!), including my youngest - who is now 3!
A word of advice, which has already been mentioned, but deserves repeating:
It's much easier if Dad takes him and not Mom.
by DLS724
Thu Oct 14, 2010 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: Taylor
Replies: 138
Views: 22491

Blessings for a speedy and complete recovery. You are in my prayers.

DLS
by DLS724
Mon Oct 11, 2010 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: Help re-structure current portfolio
Replies: 36
Views: 5542

Anyone else have any recommendation regarding the bond Indices given the 10k min requirement at Fidelity? Edit: Actually, Fidelity has US Bond Index Fund (FBIDX) with ER 0.38% comparing to 0.22% of VBMFX. Fidelity offers 25 iShares ETFs commission free. Included among them is AGG, iShares Barclays ...
by DLS724
Sat Oct 09, 2010 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Working overseas but may be permanent. AA adjustments?
Replies: 4
Views: 911

Currently, we send back everything we make to the States beyond basic living expenses (keeping something less than £10k in a “current account” at any given time). We might be beyond the FEIE limit in 2011 so could invest in Traditional IRA’s if I’m not mistaken. Hi empb, I have lived overseas for 2...
by DLS724
Tue Oct 05, 2010 4:52 pm
Forum: Investing - Theory, News & General
Topic: Commodity Funds & Christine Benz
Replies: 12
Views: 2079

I have been invested in commodity futures funds since end 2005/beg 2006. One of my funds is up 194% to 9/30/10. The other one is up 23%. These funds are not for light sleepers, those with weak stomachs and novice investors. They are very volatile. Every fund is a world unto itself. Most of them are ...
by DLS724
Mon Sep 27, 2010 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone a closet active in an index world?
Replies: 39
Views: 5359

I have learned the hard way that active management is a fool's game.
Agreed.
But, sometimes it takes time and Divine Providence wake up to that reality.
by DLS724
Tue Sep 21, 2010 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Who or What is behind the September Stock Highs?
Replies: 47
Views: 5455

more buyers than sellers
by DLS724
Mon Sep 20, 2010 2:37 am
Forum: Investing - Help with Personal Investments
Topic: At what point do you seek advice?
Replies: 30
Views: 3694

Once I found this site and started reading the suggested literature, I started to make much better decisions. Agreed. 100%. While I agree with norcap that there are people out there who would rather hire an advisor, for a variety of reasons, the fact that you've already found this website means tha...
by DLS724
Tue Sep 14, 2010 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo "International Personal Banking"
Replies: 28
Views: 6486

Like others who have already replied, I live overseas and have done so for 23 years. I have a Fidelity account and have never had any problems. They mail my checkbooks and new credit card (debit card to be exact) to my overseas address. That being said, - when recently I wanted to open a sub account...
by DLS724
Sun Sep 12, 2010 6:06 pm
Forum: Investing - Theory, News & General
Topic: This Time is Different
Replies: 19
Views: 3989

If you follow John Mauldin (and there are those on this forum who do), then he reviewed the book extensively at the beginning of the year. In a nutshell, the conclusion of Reinhart and Rogoff is that this time is NOT different. As John Mauldin writes: "You cannot keep borrowing past your income, whe...
by DLS724
Sun Sep 12, 2010 4:05 am
Forum: Investing - Theory, News & General
Topic: Laura's latest Forbes column
Replies: 9
Views: 2724

My children are taught to give 10% to charity, from the very first penny they earn, find and receive as gifts.

Death and taxes can't be escaped. But a giving heart is something that needs to be nutured and developed from a young age.

DLS
by DLS724
Mon Aug 16, 2010 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Investment advice
Replies: 5
Views: 1421

mb- Before you start investing your $15,000, I think it would be wise to devise an effective estate plan. I don't know if you are a US citizen. But, you are single and plan to return to Australia. Who are you planning to name now as your beneficiaries? If, G-d forbid something happens to you and you...
by DLS724
Fri Jul 02, 2010 4:59 am
Forum: Investing - Help with Personal Investments
Topic: To have Wellington AND Vanguard 500 Index?
Replies: 26
Views: 5031

One more thought- Are you using an accountant located in the States, or one located abroad and who is used to dealing with expats? From my experience, of living abroad for 23 years, it's wise to hire the latter. Since the tax code is very complicated, most accountants who are used to dealing with st...
by DLS724
Fri Jul 02, 2010 4:19 am
Forum: Investing - Help with Personal Investments
Topic: To have Wellington AND Vanguard 500 Index?
Replies: 26
Views: 5031

Hi gogojojo, I'm not an accountant, and I agree that the rules are confusing. That being said, it seems to me that your accountant may be focusing on using the "foreign earned income exclusion". I can only suggest that you ask him to recalculate your taxes using the Foreign Tax Credit, ie Form 1116 ...
by DLS724
Thu Jul 01, 2010 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: To have Wellington AND Vanguard 500 Index?
Replies: 26
Views: 5031

I am unable to have any IRAs or tax-free accounts unfortunantly, so all of my investments which are for retirement are taxable. No 401Ks or the like. Hi gogojojo, I am also new to this forum and an expat investing from overseas. I suggest you discuss your IRA options with your accountant - as I did...