Search found 96 matches

by Miskatonic
Mon Jan 18, 2016 10:21 pm
Forum: Investing - Help with Personal Investments
Topic: Comparing Actively Managed and Vanguard Accounts
Replies: 7
Views: 801

Re: Comparing Actively Managed and Vanguard Accounts

livesoft wrote:Any taxes involved?


Yes. I'm taking my allowed tax advantaged contribution in the Vanguard account I'm managing. My financial adviser is using municipal bonds for the fixed income portion of that account so I'm not getting hit with much of a tax burden between that and the equity portion.
by Miskatonic
Mon Jan 18, 2016 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: Comparing Actively Managed and Vanguard Accounts
Replies: 7
Views: 801

Re: Comparing Actively Managed and Vanguard Accounts

Was the actively managed account established with the same asset allocation as your Vanguard account, or a different one? For either answer, why? The asset allocation between equities and fixed income is identical- 75/25 but I'm looking specifically at equities for this review. Can you use the Pers...
by Miskatonic
Sun Jan 17, 2016 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: Comparing Actively Managed and Vanguard Accounts
Replies: 7
Views: 801

Comparing Actively Managed and Vanguard Accounts

I’ve employed active management of a portfolio for 5 years. The firm’s fee is !% AUM. For the same period I’ve built a small Vanguard portfolio 65% Total Stock Market- VTSAX 20% Overseas (Evenly split between Developed- VDVIX and Emerging Markets- VEIEX). 10% Small Cap- VSMAX 5% REIT- VGSIX And for ...
by Miskatonic
Fri Jun 22, 2012 4:19 pm
Forum: Forum Issues and Administration
Topic: Off Topic Posts
Replies: 57
Views: 6977

Re: Off Topic Posts

Addressed to all moderators, With respect, perhaps the increase in "off topic" posts is reflective of a desire of the participants of the board to engage in a more wide spectrum of topics and/or an increase in desire of the moderators to limit the topics available for discussion and even t...
by Miskatonic
Fri Jun 22, 2012 10:45 am
Forum: Investing - Theory, News & General
Topic: How to Loose a Fortune: Baseball Edition
Replies: 18
Views: 1398

Re: How to Loose a Fortune: Baseball Edition

Wow, the man had $50 million and found it wasn't quite enough so he put it all on black and spun the wheel.

That is a gambler defined.

He has only himself to blame but I still feel sorry for he and his family. That's a hard way to learn a business/investing lesson.
by Miskatonic
Thu Jun 14, 2012 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Stock Tracking Feature
Replies: 4
Views: 493

Re: Vanguard Stock Tracking Feature

VGSailor Can you tell me where this feature is located? Sure, in your "Accounts and Activity" page, scroll down to "Outside Holdings" portion of the page where you enter your Non Vanguard funds or individual stocks. Just below the heading click on "Edit Holdings" where...
by Miskatonic
Thu Jun 14, 2012 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Stock Tracking Feature
Replies: 4
Views: 493

Vanguard Stock Tracking Feature

Vanguard has a handy stock tracking feature that allows you enter a stock with purchase price, number of shares purchased and trade expense so that it can tabulate the cumulative dollar gains (or losses) over time for your holding. Standard, simple stuff. But what I've run into is, how can I enter n...
by Miskatonic
Wed Jun 13, 2012 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Inter-generational Living: Does it work?
Replies: 59
Views: 5013

Re: Inter-generational Living: Does it work?

Bogleheads are forever citing how far back reliable data exists to track a fund or theory. 1929 seems to be the start date of consensus. For data on the success of multi-generational living as a unit, that data goes back to cave drawings in France. Multi-generational family units *is* the way the wo...
by Miskatonic
Mon Jun 11, 2012 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: New job or accept counter offer at old?
Replies: 33
Views: 4016

Re: New job or accept counter offer at old?

As in all things in life, I find myself the contrarian. If the only complaint you have about your current job is the salary and they've now rectified that, I don't see jumping ship. Especially as your partner will soon be able to more than make up any shortfall. I'm also baffled by the unanimous men...
by Miskatonic
Mon Jun 11, 2012 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card fees - Can they be waived?
Replies: 16
Views: 2425

Re: Credit card fees - Can they be waived?

What are the advantages and distinguishing features of those credit cards that charge a yearly fee? I assume cards like the American Express card have very high credit limits for the jet setting crowd. It's normal practice for CCs to automatically raise your credit limit a small amount each year and...
by Miskatonic
Fri Jun 01, 2012 3:04 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (May 2012)
Replies: 6
Views: 975

Re: madsinger monthly report (May 2012)

Thanks for the report Brad. Your portfolio results look just like mine. Ugly. May was not a nice month. And on this first day of June, more than halfway into the afternoon, the markets look like the floor of a abattoir. Putting on my imaginary "Market Noise Canceling Headphones" and lookin...
by Miskatonic
Mon May 21, 2012 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: I bonds explanation...
Replies: 14
Views: 2236

Re: I bonds explanation...

Looks like a lot of us are ruminating about the very same thing. I've been weighing the advantages of my emergency fund being a 5-yr CD ladder or an ibond ladder. With the penalty free phase of early ibond redemption starting at year 5, I figure it's fair to consider them side by side. For those who...
by Miskatonic
Thu May 10, 2012 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: Question re: Titling with Extended Market Index
Replies: 7
Views: 1061

Re: Question re: Titling with Extended Market Index

mdsw Does owning VEXMX along with my core holding of the Total Stock Market Index (VTSMX) count as a tilt towards mid/small/micro cap? Yes. (Not sure about "Microcaps" being in there to be honest) A few people intentionally hold this fund as a tilt to mid/small. It was originally intended...
by Miskatonic
Tue May 08, 2012 1:25 pm
Forum: Investing - Theory, News & General
Topic: Economics. [Does it help the investor?]
Replies: 83
Views: 5994

Re: Economics. What do you think?

I would however caution against detailed study of the Necronomicon. Madness often results . Valuethinker I keep a trusty Shoggoth around at all times. m You may or may not have seen the Steve Jackson Games bumper sticker 'Cthulu Saves'. A classic. I have a collection of Steve Jackson products and a...
by Miskatonic
Tue May 08, 2012 12:03 pm
Forum: Investing - Theory, News & General
Topic: Economics. [Does it help the investor?]
Replies: 83
Views: 5994

Re: Economics. What do you think?

=Does a superior knowledge of economics help a long-term Boglehead investor? Knowledge of economics would help any person be a better informed citizen, consumer and investor. Will it make you more money? Probably not. But it might help you be aware of ideas that are unsound and in that way stop you...
by Miskatonic
Thu Apr 05, 2012 12:11 pm
Forum: Personal Consumer Issues
Topic: Montessori or Not
Replies: 42
Views: 3020

Re: Montessori or Not

I think this decision depends on the unique needs of the child. I have no background in educational psychology or theory so I'm as unqualified as any here to give a low value opinion. I don't even have kids so I'm perhaps devalued even more. But I did have a childhood and I think I would have benefi...
by Miskatonic
Tue Apr 03, 2012 9:45 am
Forum: Investing - Theory, News & General
Topic: Understanding financial statements?
Replies: 13
Views: 1765

Re: Understanding financial statements?

Investor, If you want to get in depth with Financial Statements then accounting classes at your local university are where you may want to go. They'll go through line by line what each section of all the four financial statements mean (Goodwill?! You can quantify goodwill?) and show how each interac...
by Miskatonic
Wed Mar 28, 2012 10:52 am
Forum: Investing - Theory, News & General
Topic: Think Twice About that Financial Advisor
Replies: 44
Views: 4674

Re: Think Twice About that Financial Advisor

Consumers don't know to look for the RIA or CFA designation. You can blame some of that on poor marketing by the entities that create and monitor the certification. They've not informed the public what a fiduciary standard is and how that is valuable to the consumer of financial advice and products....
by Miskatonic
Mon Mar 19, 2012 11:40 am
Forum: Personal Finance (Not Investing)
Topic: How to choose a real estate agent for selling a house
Replies: 15
Views: 2980

Re: How to choose a real estate agent for selling a house

I had to sell my Dad's house in Florida two years ago and was plenty intimidated about doing it in that market from out of state. I flew in and interviewed agents from several companies (about 6 total). All came with comparative materials for the local market, some more detailed than others. Some of...
by Miskatonic
Wed Mar 14, 2012 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to screen roofers for my home?
Replies: 17
Views: 2167

Re: Best way to screen roofers for my home?

Unless you know someone in the business,the best you can do is due diligence and pray you have good luck. I did not. Got three bids for a roofing a flat roof condo (shared wall) and went with a local construction company specializing in flat roofs (no public complaints on them in public files, Bette...
by Miskatonic
Fri Mar 09, 2012 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: Basic REIT Question on Distributions
Replies: 17
Views: 715

Re: Basic REIT Question on Distributions

We are having trouble understanding why you keep mentioning taxes. Concern about asset allocation in a tax-deferred account we understand, but not taxes. Understandable. I thought my only choice for distributions was reinvestment into the same fund or deposit into my MM fund, which resides in a tax...
by Miskatonic
Fri Mar 09, 2012 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: Basic REIT Question on Distributions
Replies: 17
Views: 715

Re: Basic REIT Question on Distributions

Or maybe I'm missing what you are getting at. I'm in accumulation phase. All I have in my tax advantaged space now is the Total Bond Fund. I'd like to add a slice of REIT and I know they will create (we hope) a relatively large amount of distributions and I wasn't sure how to handle these. The Tota...
by Miskatonic
Fri Mar 09, 2012 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: Basic REIT Question on Distributions
Replies: 17
Views: 715

Re: Basic REIT Question on Distributions

When rebalance time rolls around I simply use Vanguard's ability to transfer money directly from one fund to another. Couldn't be simpler. There is no need to force the money market fund to act as a middle man. When the REIT gets too fat, I can buy more bonds or TIPs directly. It becomes a transfer...
by Miskatonic
Fri Mar 09, 2012 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Basic REIT Question on Distributions
Replies: 17
Views: 715

Re: Basic REIT Question on Distributions

sscritic wrote:If you put the dividends into your MM fund, you are supposed to have a MM fund in your tax-deferred space.


I hadn't thought of opening another MM fund in my tax advantaged space. Perhaps I should create one before buying the REIT fund.
by Miskatonic
Fri Mar 09, 2012 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Basic REIT Question on Distributions
Replies: 17
Views: 715

Basic REIT Question on Distributions

I'd like to add the Vanguard REIT Fund to my tax advantaged space my question is- when setting up the purchase, if asked, where should I say I want my distributions: reinvested back into the fund or put into my Vanguard Money Market fund? With my other index funds in taxable, I have the distribution...
by Miskatonic
Mon Feb 27, 2012 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: How do I download Vanguard tax forms on Mac?
Replies: 21
Views: 1869

Re: How do I download Vanguard tax forms on Mac?

For a site offering a PDF like Vanguard you should just have to click on the active link (no right clicking usually required) a dialog box should come up asking you if you wish to save the file to your desktop or open it with a chosen application (if you chose open, it likewise saves the file to you...
by Miskatonic
Wed Feb 15, 2012 4:54 pm
Forum: Investing - Theory, News & General
Topic: Developed+Emerging=Total International (Not)
Replies: 14
Views: 1480

Re: Developed+Emerging=Total International (Not)

Why would you have ever thought that they would be equivalent in the first place? To voluntarily embarrass myself, it seemed logical that the world is comprised of both Developed and Emerging Markets and by holding both you'd have the world covered. I believe I also chose these index funds on the a...
by Miskatonic
Wed Feb 15, 2012 4:33 pm
Forum: Investing - Theory, News & General
Topic: Developed+Emerging=Total International (Not)
Replies: 14
Views: 1480

Developed+Emerging=Total International (Not)

I had thought that Vanguard Developed Market Index (VDMIX) + Vanguard Emerging Market Index (VEIEX) would be the equivalent of Vanguard Total International (VGTSX) as for all intents and purposes. But in comparing number of stocks held in each fund VDMIX 937 VEIEX 906 VGTSX 6467 It looks like Total ...
by Miskatonic
Mon Feb 13, 2012 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: Proving it to yourself: index funds vs. individual stocks
Replies: 57
Views: 5907

Re: Proving it to yourself: index funds vs. individual stoc

I have done something close to what you're proposing but perhaps for different reasons. I found this site a little over a year ago and like you, have learned an awful lot. I accept and think I understand the rationale behind why stock picking as the foundation of an individuals portfolio is a fool's...
by Miskatonic
Mon Feb 06, 2012 12:14 pm
Forum: Investing - Theory, News & General
Topic: Facebook IPO will be the biggest disaster in IPO history
Replies: 151
Views: 15753

Re: Facebook IPO will be the biggest disaster in IPO history

Facebook is a curios thing by both the novelty of service they offer and the speed with which they arose. I can't say I'm sanguine about their long term prospects. As others have pointed out, modern people from 10 to 90 have found usefulness in being electronically connected to family and friends. F...
by Miskatonic
Fri Jan 13, 2012 1:05 pm
Forum: Personal Consumer Issues
Topic: Sherlock - BBC series on Holmes set in 21st Century
Replies: 67
Views: 6486

Re: Sherlock - BBC series on Holmes set in 21st Century

I'd heard very good things about the new series and was excited to see the first episode. It's a clever updating of the stories to be sure. From my one and only viewing of the show, I could not help noticed that while Conan Doyle characterized Holmes as being haughty, removed, distant and certainly ...
by Miskatonic
Thu Dec 22, 2011 5:32 pm
Forum: Personal Consumer Issues
Topic: What song describes your life?
Replies: 67
Views: 4275

Re: What song describes your life?

"Blues in the Night". Jimmie Lunceford's rendition please.

http://www.youtube.com/watch?v=ZkkgSQ5LFa4

"Life Goes On'. The Damned

http://www.youtube.com/watch?v=Z4J2aU6glt0
by Miskatonic
Thu Dec 22, 2011 4:19 pm
Forum: Investing - Theory, News & General
Topic: Newsletter with some great small cap fund picks!
Replies: 10
Views: 1664

Re: Newsletter with some great small cap fund picks!

Did you notice the expense ratio for these funds one pays for the privilege of under performance? :shock:
by Miskatonic
Sun Dec 18, 2011 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: Seaking Alternative for Mom's Wealth Preservation Fund
Replies: 6
Views: 883

Re: Seaking Alternative for Mom's Wealth Preservation Fund

CD's might be a good alternative. Is true liquidity, meaning daily demand liquidation really an issue? No, regular access on even a monthly basis is not necessary. I have her covered if she had a very sudden need for liquidity. CDs may be the most attractive option from a bank like Ally who is gene...
by Miskatonic
Sun Dec 18, 2011 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: Seaking Alternative for Mom's Wealth Preservation Fund
Replies: 6
Views: 883

Seaking Alternative for Mom's Wealth Preservation Fund

My Mom has held T. Rowe Price Prime Reserve Fund for many decades. PRRXX (58% cash, 41% bonds). It's described as "a fund seeking preservation of capitol and liquidity". My Uncle recommended it to her after her divorce as a safe place to hold her very modest amount of money (at this point,...
by Miskatonic
Wed Dec 14, 2011 7:04 pm
Forum: Personal Consumer Issues
Topic: What's the most overrated book you've read?
Replies: 193
Views: 10834

Re: What's the most overrated book you've read?

I've never done that to a book before (and only once since). Don't hold out on us! What was the second book you tossed? I honestly don't remember! I sometimes have access to galley proofs and pre publication books from one area of my job and I took this novel home to read from a new author. It was ...
by Miskatonic
Wed Dec 14, 2011 6:44 pm
Forum: Personal Consumer Issues
Topic: Blended whiskeys
Replies: 44
Views: 4280

Re: Blended whiskeys

I like to add bit Ginger Ale. My parents drank Canadian Mist (I think) with Ginger Ale. As a lad, I asked my Dad what that drink was called, he said, "Tom Collins" Which I later learned it was NOT I came late to appreciate scotch and when I did went to Single Malts. Don't have much experi...
by Miskatonic
Wed Dec 14, 2011 5:06 pm
Forum: Personal Consumer Issues
Topic: What's the most overrated book you've read?
Replies: 193
Views: 10834

Re: What's the most overrated book you've read?

I've seen my pick for over rated lit already mentioned so no need to pile on. Some good comments about perspectives changing with age and life experience. I've wondered about some of my high school teachers throwing some very, very heavy reading our way at seemingly too young an age (Herman Hesse, F...
by Miskatonic
Tue Dec 06, 2011 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: Dealing With Financially Negligent Parents/In-Laws?
Replies: 51
Views: 10533

Re: Dealing With Financially Negligent Parents/In-Laws?

These are sad stories indeed. If only these older folks had read some simple wisdom from Aesop in their youth. The Ant and the Grasshopper One summer's day, a merry Grasshopper was dancing, singing and playing his violin with all his heart. He saw an Ant passing by, bearing along with great toil a w...
by Miskatonic
Mon Nov 21, 2011 7:09 pm
Forum: Personal Consumer Issues
Topic: Help Me Select A Stereo System
Replies: 80
Views: 6548

Re: Help Me Select A Stereo System

It sounds like your shopping choices are limited and that's unfortunate because trying to buy stereo equipment without listening to it is like buying a car without first driving it. Standing in the aisle of a big box store with 90db of din going on trying to hear what a system sounds like is perfect...
by Miskatonic
Tue Nov 01, 2011 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: hiring a moving company
Replies: 19
Views: 1344

Re: hiring a moving company

Get it all in writing. Even the national, big name movers have drivers and crews that will work you over good. We once moved half way across the country with one of the big named companies and the driver asked if we could move out a day earlier to help him out but take delivery on the other end at t...
by Miskatonic
Fri Oct 14, 2011 9:45 am
Forum: Investing - Theory, News & General
Topic: The Ascent of Money - PBS Series
Replies: 10
Views: 3075

Reviving a long dead thread is often called a "Necro" (for raising the dead). I think I may have seen a bit of one episode of this series and it was very engaging for covering technical and sometimes abstract topics, though I'd thought I remembered the title as "The Story of Money"
by Miskatonic
Thu Oct 13, 2011 3:44 pm
Forum: Investing - Theory, News & General
Topic: WSJ Scandal
Replies: 19
Views: 2674

Re: WSJ Scandal

I'm not sure, reading the articles, that there's much dishonesty going on. I read an article in the Guardian on Wednesday so perhaps it's not the same one you just looked at but yes, this is more than a paper "dumping" uncirculated papers to college campuses rather than them going to the ...
by Miskatonic
Wed Oct 12, 2011 5:31 pm
Forum: Investing - Theory, News & General
Topic: AA Advice for New, Young, Investors
Replies: 38
Views: 2514

Years until retirement are an obvious factor but every individual is different. One young investor may inherit money another starts off life in debt. Do they have a high risk tolerance or low? Are they starting into a potentially high paying career or mid to low paying? Will they start a family or s...
by Miskatonic
Mon Oct 10, 2011 4:26 pm
Forum: Investing - Theory, News & General
Topic: Clamping down on high frequency trading
Replies: 20
Views: 2022

It's scary! They've got computers, and, and they use them to make money in some way I don't understand! Time to Occupy! To be fair, this is new and as such it's confusing for most people to see what's going on here, who's doing it and what value (if anything) High Frequency Traders are adding to th...
by Miskatonic
Wed Oct 05, 2011 6:23 pm
Forum: Personal Consumer Issues
Topic: Considering moving from NYC
Replies: 83
Views: 8700

I lived in Manhattan for a few years to finish up college and start my career. I had to leave for family obligations and it was perhaps the worst thing I've had to do. Part of that was ending my chosen career and part of that leaving a city I'd fallen in love with. The world is full of wonderful and...
by Miskatonic
Mon Oct 03, 2011 3:52 pm
Forum: Investing - Theory, News & General
Topic: The decline of the Schwhinn Bicycle Company
Replies: 52
Views: 7383

Re: The decline of the Schwhinn Bicycle Company

My recollection is that the first "real" video tape recorder was made by Ampex expressly for Bing Crosby, or his TV producers anyway, because at the time Crosby basically made it a precondition of his appearing on TV that he be allowed to prerecord his shows. I'm wondering if you're cross...
by Miskatonic
Tue Sep 20, 2011 6:03 pm
Forum: Investing - Theory, News & General
Topic: Glad I didn't buy Netflix
Replies: 83
Views: 9946

Haven't gotten my "we want more money" email greeting yet. Something else to dread in the coming days I suppose. I do love convenience as much as the next person but I am getting really tired of having to sacrifice quality for said convenience. Should Netflix be positioning itself to get o...
by Miskatonic
Tue Aug 30, 2011 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions for a good in-person financial planner in MN?
Replies: 12
Views: 2403

While they may "prefer" an adviser they can work with in person, do you think they might be willing to at least talk with an adviser at Vanguard on the phone to talk about their needs? You can assure them there would be no obligation and they'd not be pushed hard by a sales person. A Vangu...
by Miskatonic
Fri Aug 19, 2011 6:09 pm
Forum: Investing - Theory, News & General
Topic: Stocks are attractive based on forward P/E - or are they?
Replies: 54
Views: 6645

Doubtless this is naivety on my part, but couldn't one easily test the effectiveness of the P/E metric as a useful tool in evaluating stocks by looking at the ratings of stocks in the past to see if the estimation of its P/E ratio at the time turned out to be more or less accurate in the following y...