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It has been 7 years since my wife and I took my mother to Italy. We stayed for two weeks, the first week we were on a guided tour with a company called Globus and were very happy with them. We stayed in Rome that whole week and used a tour bus to travel to site in Rome and to Pompeii and took the tr...

When I inherited the stock I believe it was in the 80-82 dollar price range and then split 2 for 1

I am in the 28% tax bracket by the time my wife and I take into account our salaries, dividend income, interest etc.
Not complaining though, just trying to minimize my taxes.

I have close to a 75% gain on my Exxon stock

The TSM is only in my taxable account. After reading the Boglehead book and the forums, I had moved my IRA from individual stocks into bond funds and my 401k also went from stock funds to bond funds. I have significant losses in the TSM as I just started moving money into it in March of 07, but I do...

Not certain what you mean by the "lower price in 31 days" but you can sell shares of TSM in a taxable account and use that loss to offset the capital gain on the XOM stock. When you buy TSM in 31 days, you will have to pay the then current price for the fund. EO Thanks! By lower price I meant lower...

Hi I have some stock in Exxon/Mobil that I inherited a number of years ago and after accounting for the last stock split have a cost basis of around $40.00 per share. I am considering selling the stock and offsetting the gains by selling an appropriate number of shares in my Total Stock Market fund ...

Great articles. I have harvested some losses this year to offset some gains in individual stocks I inherited.

Plan on doing some more for 2009 and lighten up on an individual stock with
substantial gains. Figure I can sell some shares of my TSM which I will have a loss on and buy back in 31 days.

I have been in the process of moving from individual stocks and into index funds after posting both here and on the M* forum and receiving some excellent advice. My IRA's and 401K were shifted into bonds late in 06 and in our regular brokerage account have narrowed our individual stocks down white a...

We paid our mortgage off a couple of years ago. It is a very personal choice
but it sure is a good feeling to be debt free!

I use this method I got from Schwabs website to create and excel sheet. 1. Create an Excel file with two sheets. Label the first sheet "Portfolio" and the second "Quotes." 2. On the Portfolio sheet, type your stock and mutual fund ticker symbols in column A. 3. On the Quotes sheet, place your cursor...

Atlas Shrugged by Ayn Rand

Thanks for the update. Assuming that you want something like 50/50 and that everything is sellable, how about something like this as a goal to work toward? Taxable account 35% VTSAX/VTI Total Stock Market 15% VFWIX/VEU FTSE All-World ex-US 27.6% VOHIX Vanguard Ohio Long-Term Tax-Exempt Fund (or any...

Below shows the results for mixing up US Cap Weighted Market + US Small Growth for the period of 1970-2007. Not Nice :-( 1970-2007 (yearly rebalancing) 100% US Market ============== 10K Growth 490,149.10 CAGR 10.79 StDev 16.90 Sharpe 0.3725 90% US Market 10% US Small Growth =================== 10K ...

PiperWarrior, Thanks for you input. I will have to read through this and give it some thought this weekend

I am very close to maxing out my 401k. We are in the 28% tax bracket and live in Ohio. Many of our individual stocks have been sold with gains. Of the positions we have left the only one with a loss is Huntington Bank. The investments available in my Fidelity 401k are as follows: RGAEX American Fund...

This is kind of a continuation of a post that I had started in the original Diehard forum regarding indexing almost a year and a half ago. Rather than revive the old post I thought I would post here. Briefly my wife and I want to move out of individual stocks and into index funds primarily for ease ...

Thanks to both of you for your input. I am putting a post together that goes into more detail with info about our current allocation, etc.

I think I need to get a fresh perspective. I seem to have just come to a standstill in my transition to indexing.

I guess part of my "problem" is that the bulk of my holdings are in a taxable account and as I sell off my individual stocks I am looking to invest more in the total stock market fund, but also other investments that would be good for a taxable portfolio. Not sure if posting my holdings and what pe...

I guess part of my "problem" is that the bulk of my holdings are in a taxable account and as I sell off my individual stocks I am looking to invest more in the total stock market fund, but also other investments that would be good for a taxable portfolio. Not sure if posting my holdings and what per...

I don't want to overweight small growth but thought a position in a small cap index might be a good addition to our portfolio.

I am slowly selling off individual stocks we hold and moving to an index fund portfolio. Much easier to manage and less stressful.

I currently have my account at Schwab, where I prefer to keep it. I want to add a small cap growth index to my account. I can buy the Vanguard Small Cap Growth Index (VISGX) from Schwab, but there is a $49.95 charge for the purchase. However I can get the Vanguard Small Growth ETF (VBK) for a $8.95 ...

Thats what I thought. By the way the book you co-wrote with Taylor and Michael has been a great help in making my move from a mixture of individual stocks and funds. I have transitioned my IRA into a bond index and an inflation protected fund, while my Roth(which is not that large) is allocated to a...

When I figure my asset allocation do I take all my accounts together both taxable and non taxable?

I have a taxable account, roth IRA, regular IRA and a company 401k

If the $12 difference in ERs between ETF and Investor shares is meaningful to you, then I would take a look at overall Schwab fees vs. Vanguard fees as well. I left Schwab when they changed their fee structure with the last facelift "to serve customers better". My inestment in VTMSX started with Ad...

I currently am in the process of switching from individual stocks into index funds and I am ready to make my first purchase. I currently have my account at Schwab and was considering the purchase of the Vanguard Total stock mkt index ETF(ticker VTI). I can purchase the ETF for $9.95 but the Total st...

Vanguard has the Investor shares and Admiral shares in their total stock mkt index fund and many of their other funds. The Admiral shares carry a lower expense ratio.

Schwab does the same with their index fund. They have Investor and Select shares with the Select shares having lower expense ratios.

I am getting ready to make my initial investment into an index fund that has two share classes, the difference being the fund expenses. Am I better off making the initial investment large enough to get the lower fee right away or buy the share class with the higher fee & dollar cost average since it...