Search found 494 matches

by InvestingMom
Mon Aug 08, 2011 4:46 pm
Forum: Investing - Theory, News & General
Topic: Our mentor, Jack Bogle, is interviewed on CNBC this morning
Replies: 15
Views: 3861

Thanks Taylor. I have not logged onto Bogleheads in quite a while (as I decided that it wasn't helping me to just stick with my asset allocation plan), but I did today to help calm my fears. Hearing Jack always helps!
by InvestingMom
Fri Oct 29, 2010 11:19 am
Forum: Investing - Theory, News & General
Topic: Is your return since Oct 07 high now positive?
Replies: 132
Views: 18143

I see the simple way of doing XIRR - and I am positive based on quick and dirty numbers). However how do I handle the internal transfers due to rebalancing? I have had no withdrawals - just transfers. Or do I ignore it and take the initial + contributions and figure less than or grater than worth n...
by InvestingMom
Mon Oct 11, 2010 5:03 pm
Forum: Investing - Theory, News & General
Topic: High frequency trading on 60 minutes last night
Replies: 46
Views: 5754

1) No one should be able to get information before the other. (1) This is always been the case, long before computers. You think Joe Public traded on even footing with Merill Lynch? (2) How would this even be possible? How can I make sure the guy in Hawaii gets the same price quotes at the same tim...
by InvestingMom
Mon Oct 11, 2010 2:56 pm
Forum: Investing - Theory, News & General
Topic: High frequency trading on 60 minutes last night
Replies: 46
Views: 5754

Okay, I didn't read all of the posts so perhaps this is redundant..but I agree with others in that I hardly understand it and it hardly impacts me, however, that still doesn't make it right. 1) No one should be able to get information before the other. 2) We need to ensure our stock markets operate ...
by InvestingMom
Mon Oct 11, 2010 2:39 pm
Forum: Investing - Theory, News & General
Topic: Is your return since Oct 07 high now positive?
Replies: 132
Views: 18143

My personal rate of return over the last 3 years according to Vanguard's website is -0.6% Is this accurate/comparable to XIRR? I also have some CD's so my overall return by their measure would be a bit better, probably positive. Vanguards rate uses IRR not XIRR. Vanguard defines the personal return...
by InvestingMom
Thu Sep 02, 2010 4:17 pm
Forum: Personal Investments
Topic: Do I need an accounting package? (tax lots etc)
Replies: 4
Views: 985

I use Quicken and I love it. However, I think the answer to your question depends on whether: You have large taxable accounts (presumably you do) You reinvest dividends, cap gains and interest You trade a lot You are good with software packages You don't mind the time it will take to set up Quicken ...
by InvestingMom
Fri May 07, 2010 7:01 pm
Forum: Investing - Theory, News & General
Topic: 5/6/10 Plunge is Still a Mystery
Replies: 54
Views: 5731

Re: 5/6/10 Plunge is Still a Mystery

Don't we have a responsiblity to find out what could cause such a thing to happen and try to implement changes to prevent it? I would rather have a free market set prices than a government regulator. I don't want a regulator saying when I can and cannot trade, or how much I need to pay for an asset...
by InvestingMom
Fri May 07, 2010 11:44 am
Forum: Investing - Theory, News & General
Topic: 5/6/10 Plunge is Still a Mystery
Replies: 54
Views: 5731

I also find it very disturbing that we don’t know why the market crashed and then quickly recovered. However, I find it more disturbing that there is not more outrage about it. The media seems to cover it humorously, as if, wow what a fun ride. (I just about crashed my car when I heard that the mar...
by InvestingMom
Fri May 07, 2010 11:41 am
Forum: Investing - Theory, News & General
Topic: 5/6/10 Plunge is Still a Mystery
Replies: 54
Views: 5731

Re: 5/6/10 Plunge is Still a Mystery

I thought an explanation was already given: there was no "price" for a small period because the high frequency trading desks that the markets have increasingly relied on stopped providing liquidity. NYSE also hit their so-called "liquidity replenishment points" (fancy trading bands) and took a brea...
by InvestingMom
Fri May 07, 2010 11:02 am
Forum: Investing - Theory, News & General
Topic: 5/6/10 Plunge is Still a Mystery
Replies: 54
Views: 5731

I also find it very disturbing that we don’t know why the market crashed and then quickly recovered. However, I find it more disturbing that there is not more outrage about it. The media seems to cover it humorously, as if, wow what a fun ride. (I just about crashed my car when I heard that the mark...
by InvestingMom
Mon Mar 22, 2010 7:03 pm
Forum: Investing - Theory, News & General
Topic: Reacting to new tax structure
Replies: 13
Views: 2225

I read a bit about this too and wondered exactly how it works. So once your AGI hits the 200/250k threshold, then does the tax kick in for every dollar of investment income above that? Does "earned"mean earned income? or AGI? What if you had wages from work of 200K (and single) and 50k of investment...
by InvestingMom
Sat Mar 20, 2010 2:06 pm
Forum: Investing - Theory, News & General
Topic: "vanguarding"??!?
Replies: 93
Views: 14150

SpringMan wrote:Merrill Lynching, does anyone have a rope? :lol:
Now that was funny!
by InvestingMom
Sat Mar 20, 2010 2:04 pm
Forum: Investing - Theory, News & General
Topic: "vanguarding"??!?
Replies: 93
Views: 14150

Very bad. Embarrassingly so. I had to log into Bogleheads just to see what others were saying. I don't want to exaggerate the impact, but rather than make me feel better about my investing methods, it makes me feel silly....and causes me to trust them less. After all, what other "gimmicks" are they...
by InvestingMom
Wed Mar 17, 2010 11:12 am
Forum: Investing - Theory, News & General
Topic: Is your return since Oct 07 high now positive?
Replies: 132
Views: 18143

From October 31, 2007 through February 28, 2010, here are the total non-annualized returns for various asset classes: Index Total Return BarCap US Aggregate Bond 15.97% BarCap US TIPS 13.42% BarCap US High Yield 16.28% MSCI All-Country World -32.30% MSCI US Large Cap Growth -20.63% MSCI US Large Ca...
by InvestingMom
Wed Mar 17, 2010 10:37 am
Forum: Investing - Theory, News & General
Topic: "vanguarding"??!?
Replies: 93
Views: 14150

Very bad. Embarrassingly so. I had to log into Bogleheads just to see what others were saying. I don't want to exaggerate the impact, but rather than make me feel better about my investing methods, it makes me feel silly....and causes me to trust them less. After all, what other "gimmicks" are they...
by InvestingMom
Wed Mar 17, 2010 10:22 am
Forum: Investing - Theory, News & General
Topic: "vanguarding"??!?
Replies: 93
Views: 14150

Very bad. Embarrassingly so. I had to log into Bogleheads just to see what others were saying. I don't want to exaggerate the impact, but rather than make me feel better about my investing methods, it makes me feel silly....and causes me to trust them less. After all, what other "gimmicks" are they ...
by InvestingMom
Sun Feb 14, 2010 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Upcoming PBS Special:
Replies: 34
Views: 13954

Hi Barry,
I guess my question was a stupid one. Of course you were watching!
Thanks for the links.
IM
by InvestingMom
Fri Feb 05, 2010 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Upcoming PBS Special:
Replies: 34
Views: 13954

BTW: This post seems like it is in the wrong forum?
by InvestingMom
Fri Feb 05, 2010 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Upcoming PBS Special:
Replies: 34
Views: 13954

Emma

Hi Barry,
Just wondering if you are watching the latest PBS version of Emma?
IM
by InvestingMom
Thu Dec 17, 2009 9:56 pm
Forum: Personal Consumer Issues
Topic: BBC [really The Guardian] book dare
Replies: 74
Views: 9737

About 35 of the first list and 10 of the second list.
by InvestingMom
Thu Dec 17, 2009 9:41 pm
Forum: Personal Consumer Issues
Topic: "Great" novels you couldn't finish
Replies: 92
Views: 12570

Moby Dick

edit:
Now that I reviewed Alex's other post (British poll of books), add Oliver Twist. I really don't like Dickens.
by InvestingMom
Mon Nov 16, 2009 11:36 am
Forum: Personal Consumer Issues
Topic: Kindle..confused about the kindle "2"
Replies: 8
Views: 1654

Thanks

Everyone, thanks for the additional info, advice and links. You guys are great!
IM
by InvestingMom
Sun Nov 15, 2009 8:19 pm
Forum: Personal Consumer Issues
Topic: Kindle..confused about the kindle "2"
Replies: 8
Views: 1654

CaptMidnight,

Thanks so much for your information.

That is very cool that we can share books too. (I need to give my husband the hint for my xmas present.)

So do you and your dad use the 6" version?

IM
by InvestingMom
Sun Nov 15, 2009 7:43 pm
Forum: Investing - Theory, News & General
Topic: Deciphering Morningstar Performance View
Replies: 3
Views: 822

Offshore, Essentially because you rebalanced in April you may have increased your personal returns. If you are looking at say one investment such as the index fund for the total stock market, the "total return" is the return since Jan 1. Your "personal return" for that same fund might be higher if y...
by InvestingMom
Sun Nov 15, 2009 6:34 pm
Forum: Personal Consumer Issues
Topic: Kindle..confused about the kindle "2"
Replies: 8
Views: 1654

Kindle..confused about the kindle "2"

I am confused about the Kindle . I did a bit of googling and it seems like the newer Kindle 2 is superior to the first Kindle. However, when I go onto Amazon, there is no Kindle "2"? There is however a 6" Kindle and a 9.7" Kindle. The 6" is lighter and has global download ability (besides being much...
by InvestingMom
Tue Nov 10, 2009 8:44 pm
Forum: Personal Consumer Issues
Topic: Trip to Italy
Replies: 14
Views: 3056

It is very easy to do it yourself. I recommend the Rick Steves books. I am pretty sure he has recommendations for more personalized tours, but you could get a room (see Ricks recommendations) and use his book as a guide! You don't say where you are interested in going or how healthy you are, but if ...
by InvestingMom
Tue Oct 27, 2009 11:24 am
Forum: Personal Investments
Topic: Any suggestions on how to correct this situation
Replies: 20
Views: 3037

Aggie, First of all I completely agree with your desire to try to even out the accounts. Yeah life isn't fair, but when it comes to diving out things to kids the best thing a parent can do is be as fair as possible with each of their kids. I really don't have a solution and you should probably consu...
by InvestingMom
Mon Oct 26, 2009 2:46 pm
Forum: Personal Investments
Topic: How to asset allocate when you have very little money?
Replies: 24
Views: 3633

Re: How to asset allocate when you have very little money?

Bernstein sets out a recommendation for investors who are just starting out and don't have a lot of money to invest. See "Young Yvonne" starting on page 271. There's a nifty chart on page 275. You don't need to move your Etrade money to Vanguard, but it will be easier for record-keeping and fund mi...
by InvestingMom
Mon Oct 26, 2009 2:34 pm
Forum: Personal Investments
Topic: Best Method/Way to Rebalance Portfolio?
Replies: 9
Views: 3415

Re: Added note

Investing mom and dbr: I concur re the taxable issue for balanced funds, which is why I mentioned the Tax Managed Balanced Fund as a possibility. It surprises me that this fund has never reached a billion dollars in assets.) Also, I know some investing folks who know themselves pretty well and use ...
by InvestingMom
Mon Oct 26, 2009 11:51 am
Forum: Personal Investments
Topic: How to asset allocate when you have very little money?
Replies: 24
Views: 3633

I would move over to Vanguard (or one place to your liking...doesn't have to be vanguard although i am partial to them.) Call them up and ask about transfering. It will be easier in the long run if you set up everything in one place. I think your plan of 80% total stock market and 20% total bond fun...
by InvestingMom
Mon Oct 26, 2009 11:21 am
Forum: Personal Investments
Topic: Best Method/Way to Rebalance Portfolio?
Replies: 9
Views: 3415

I would add to your considerations the following: -Are you the kind of person who wants their portfolio to be on auto pilot (someone who isn't likely to check their accounts and/or have the time to analyze it often) or are you the kind of person who likes to fiddle with their accounts often (and is ...
by InvestingMom
Mon Oct 26, 2009 10:33 am
Forum: Investing - Theory, News & General
Topic: Death of 'Soul of Capitalism": Bogle, Faber, Moore
Replies: 18
Views: 3961

Howl, ye shepherds, and cry; and wallow yourselves in the ashes, ye principal of the flock: for the days of your slaughter and of your dispersions are accomplished; and ye shall fall like a pleasant vessel. Or then again maybe not. Who knows? When I graduated from high school we figured nuclear war...
by InvestingMom
Sun Oct 25, 2009 5:49 pm
Forum: Personal Investments
Topic: Help with "401k"
Replies: 7
Views: 1490

Is this the link? http://www.lfg.com/LincolnPageServer?LFGPage=/lfg/rfs/ovw/non/index.html I can't quite grasp what this is? In any case I have to believe that the fees are high and so I vote for going with the match and not investing any more. Meanwhile it might not hurt to talk to your 401K admini...
by InvestingMom
Sun Oct 25, 2009 5:32 pm
Forum: Investing - Theory, News & General
Topic: CONGRATULATIONS AND THANKS [From JACK BOGLE]
Replies: 41
Views: 8185

Dear Mr. Bogle,

Your message reminds me of how honored I am to be a boglehead. I wish you the speediest recovery.

Sincerely,
Investingmom
by InvestingMom
Sat Sep 26, 2009 11:59 am
Forum: Investing - Theory, News & General
Topic: How to determine which bond funds are undervalued/overvalued
Replies: 24
Views: 6477

In my opinion it is not a good time to buy any bond funds. They are all over priced. So, I'll just put my money into...what? Sorry, rhetorical question, I guess. It's just pretty depressing. Jason, If you are investing for the long term I don't think you should be depressed? Read this: https://pers...
by InvestingMom
Fri Sep 25, 2009 3:06 pm
Forum: Investing - Theory, News & General
Topic: How to determine which bond funds are undervalued/overvalued
Replies: 24
Views: 6477

In my opinion it is not a good time to buy any bond funds. They are all over priced. So, I'll just put my money into...what? Sorry, rhetorical question, I guess. It's just pretty depressing. Jason, If you are investing for the long term I don't think you should be depressed? Read this: https://pers...
by InvestingMom
Fri Sep 25, 2009 12:46 pm
Forum: Investing - Theory, News & General
Topic: When to take profits
Replies: 20
Views: 3482

Should the person take the 100k profit or wait till bands are triggered. I went back and reread your post a couple of times. I believe what you are really asking (since this is all in a tax-advantaged account) is "should I rebalance or wait till the rebalance bands are triggered?" I think several o...
by InvestingMom
Fri Sep 25, 2009 12:29 pm
Forum: Personal Investments
Topic: Help with capital gains and losses (Tax Loss Harvesting)
Replies: 10
Views: 1776

IM------agree w/ everything you said re: complexity/time value etc. minor point: doesn't need to wait 31 days since first sale is a gain; also capital loss doesn't need to be short-term to be applied against ordinary income (but does need to be applied against CG first). You are right. Sounds like ...
by InvestingMom
Fri Sep 25, 2009 11:57 am
Forum: Investing - Theory, News & General
Topic: How to determine which bond funds are undervalued/overvalued
Replies: 24
Views: 6477

Let me know when you find out the secret.
by InvestingMom
Fri Sep 25, 2009 11:53 am
Forum: Investing - Theory, News & General
Topic: Help on Scary personal finance subjects
Replies: 72
Views: 11872

ObliviousInvestor wrote:People on their second (or third) marriage but first IRA beneficiary.
That is so funny. After I was married a couple of years I realized that I still had my old boyfriend listed as a beneficiary on an IRA. Wow did I change that quickly (and as quietly as possible.)
by InvestingMom
Fri Sep 25, 2009 11:48 am
Forum: Investing - Theory, News & General
Topic: When to take profits
Replies: 20
Views: 3482

Stick to your plan. Wait until your bands are triggered. The idea is to build up your nest egg and so I don't understand why you would consider taking some out? Was your original plan a long term plan? Part of my long term plan is that I reduce my stock allocation a bit as my assets in total increa...
by InvestingMom
Fri Sep 25, 2009 11:32 am
Forum: Personal Investments
Topic: Help with capital gains and losses (Tax Loss Harvesting)
Replies: 10
Views: 1776

ex 2: gains are sales price less basis (cost) and doesn't care about the intermediate points . So if you bought at 10K and sold at 10K, no loss. If you're saying you should have sold at 20K so you could take a loss when it dropped back to 10K, you also need to remember that when you sell at 20K, yo...
by InvestingMom
Fri Sep 25, 2009 11:13 am
Forum: Investing - Theory, News & General
Topic: When to take profits
Replies: 20
Views: 3482

Stick to your plan. Wait until your bands are triggered. The idea is to build up your nest egg and so I don't understand why you would consider taking some out? Was your original plan a long term plan?

To the others who have suggested taking some of the profits now....are you on the right forum?
by InvestingMom
Fri Sep 25, 2009 11:06 am
Forum: Investing - Theory, News & General
Topic: Help on Scary personal finance subjects
Replies: 72
Views: 11872

Internet (or any) scams on your aging parents.
by InvestingMom
Fri Sep 25, 2009 11:01 am
Forum: Personal Investments
Topic: Help with capital gains and losses (Tax Loss Harvesting)
Replies: 10
Views: 1776

ex 1. Say its back in 2008 I invested 10,000, by December I only had 4,000 left. If I sell now I will have 6,000 in capital losses (3,000 that I can deduct from my taxes and 3,000 that will carry forward). I think this is right. Now say I didn't sell in December but now sell in January 2009 when I ...
by InvestingMom
Fri Sep 11, 2009 11:28 am
Forum: Personal Investments
Topic: International Large Value
Replies: 9
Views: 2095

EFV does not contain any emerging market exposure like VTRIX.. if you want EM exposure you may need an additional fund. For me, this is a positive, as it makes it easier to rebalance and maintain my target EM allocation using EM-only funds. Wayne Good point. I actually own Emerging markets already ...
by InvestingMom
Fri Sep 11, 2009 11:18 am
Forum: Investing - Theory, News & General
Topic: The worst (or best) month to invest ?
Replies: 14
Views: 3029

Taylor,

I hope you didn't jinx September! Ha ha.

Have a great weekend,
Investingmom
by InvestingMom
Fri Sep 11, 2009 10:33 am
Forum: Personal Investments
Topic: International Large Value
Replies: 9
Views: 2095

Thanks for the additional input. That is good to know that EFV doesn't contain emerging markets and may explain the difference in the 3 year returns as compared to the other 2 funds. It helps to compare apples to apples!
by InvestingMom
Thu Sep 10, 2009 1:44 pm
Forum: Personal Investments
Topic: International Large Value
Replies: 9
Views: 2095

Thanks for your input. Good points.

And yes, it seems obvious now that you said it Brad that the ETF would be more tax efficient. Now to get off my butt and do it (need to look at the fall distributions though before I do anything!)

Thanks again,
Investingmom
by InvestingMom
Thu Sep 10, 2009 12:48 pm
Forum: Personal Investments
Topic: International Large Value
Replies: 9
Views: 2095

International Large Value

Hi all, I am rebalancing my portfolio and would like to simplify it at the same time. Last year with so much TLHing I ended up with a couple of International Large Value funds in my taxable account (401K is maxed with bonds). For the most part both of the funds have small gains/losses and in any cas...