Search found 1620 matches

by IPer
Sun Feb 14, 2016 4:40 am
Forum: Personal Finance (Not Investing)
Topic: What is your decline in Net Worth as of today?
Replies: 96
Views: 13372

Re: What is your decline in Net Worth as of today?

[OT comment removed by admin LadyGeek]
by IPer
Sat Feb 13, 2016 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: Decision! was: Can I retire in 2017?
Replies: 53
Views: 9519

Re: Can I retire in 2017?

I've lived in several different parts of the USA. I currently live in a small town in the Midwest and plan to move to a nearby large city--I already drive there a fair amount for the aforementioned concerts, shows, and sporting events. I like the fact that the cost of living is low and it doesn't t...
by IPer
Sat Feb 13, 2016 11:08 pm
Forum: Investing - Help with Personal Investments
Topic: Dividends - Help Needed!
Replies: 3
Views: 911

Re: Dividends - Help Needed!

The dividends on VTSAX are paid out quarterly: Dec 18, 2015 0.283 Dividend Sep 24, 2015 0.247 Dividend Jun 25, 2015 0.228 Dividend Mar 24, 2015 0.247 Dividend Those are the last dividend pay dates and amount per share. And yes the amount per share buy more at the current price if you are reinvesting...
by IPer
Sat Feb 13, 2016 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Decision! was: Can I retire in 2017?
Replies: 53
Views: 9519

Re: Can I retire in 2017?

I do not object to working to supplement my income, but FIREcalc indicates I have a good chance of being fine even if I don't. I've been spending in the neighborhood of $25000 per year, and I assumed that my initial spending would be $30000 and would increase with inflation. I plan to take Social S...
by IPer
Sat Feb 13, 2016 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Is a Will required?
Replies: 14
Views: 2050

Re: Is a Will required?

Thanks OP! This reminds me I need to do an asset transfer from my Sharebuilder/CapitalOne account due to this note they sent me: "I just wanted to give you a head’s up that at the current time, the only accounts we offer that allow you to designate a beneficiary are IRAs (both Roth and Traditional) ...
by IPer
Sat Feb 13, 2016 5:10 pm
Forum: Investing - Theory, News & General
Topic: Watched Madoff:Considering Stuffing the Mattress
Replies: 19
Views: 3244

Re: Watched Madoff:Considering Stuffing the Mattress

Been there, done that, but truth be it that none can really break free, no matter what we do.
My consolation? The bigger they are, the harder they fall (and I am quite small). Just think how
fortunate we are that we were not born in North Korea or other "interesting" regions of the world!
by IPer
Sat Feb 13, 2016 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: help please, burden of sister-in-law threatens happy marriage
Replies: 41
Views: 6388

Re: help please, burden of sister-in-law threatens happy marriage

Can you spell co dependence? Cut that cord sooner the better, June 2017 is quite close, I would sit down with your wife and basically it is for her own good. I would, after sitting down with your wife, have a brief meeting with lady x to give her the report and that is that. Force her to do it herse...
by IPer
Sat Feb 13, 2016 1:51 am
Forum: Investing - Theory, News & General
Topic: Leaving DFA advisor - should I keep DFA positions or simplify?
Replies: 21
Views: 3547

Re: Leaving DFA advisor - should I keep DFA positions or simplify?

Might keep (would need to study it a bit): DIPSX DFA INFLATION PROTECTED SEC PORT INSTL DISVX DFA INTL SMALL CAP VALUE PORT INSTL DFIVX DFA INTL VALUE PORT INSTL DFFGX DFA SHORT TERM GOVT PORT INSTL Keep: DFALX DFA LARGE CAP INTL PORT INSTL DFREX DFA REAL ESTATE SECURITIES PORT INSTL . DFLVX DFA US ...
by IPer
Sat Feb 13, 2016 1:40 am
Forum: Investing - Help with Personal Investments
Topic: Help with buying back in after broker transition to Vanguard
Replies: 14
Views: 1513

Re: Help with buying back in after broker transition to Vanguard

Wellington is good. I hope you have a good expense ratio on the 3 "agressive" funds, not sure what percentage they are to the rest of your portfolio and that should matter. If I were in your shoes I would round it out with more Wellington and/or a 3-Fund approach, personally I would lean more toward...
by IPer
Sat Feb 13, 2016 1:30 am
Forum: Investing - Help with Personal Investments
Topic: Time to Tax Loss Harvest???
Replies: 19
Views: 2176

Re: Time to Tax Loss Harvest???

Iper, The proof is simple: I've just lowered my 2016 AGI by $3,000. -- Tet Ok, fine, I'm glad for you, I don't see those kind of losses in my portfolio at this time, I have just been added funds as they come in according to my AA and IPS. I guess if I had invested some large (and not proportionate)...
by IPer
Sat Feb 13, 2016 12:55 am
Forum: Investing - Theory, News & General
Topic: Meb Faber's new book Investing With the House
Replies: 41
Views: 5710

Re: Meb Faber's new book Investing With the House

I think the strategy could probably work, if anyone could stick to it. But all of these guys have massive tracking error. It goes with the territory. They will blow away the indices for several years, then their style won't work anymore, and they'll be down 10% in a year that the S&P 500 was up. An...
by IPer
Sat Feb 13, 2016 12:45 am
Forum: Investing - Help with Personal Investments
Topic: Schwab again late with the 1099s
Replies: 10
Views: 2144

Re: Schwab again late with the 1099s

I use multiple firms. Received an email from Fidelity this evening, popped in grabbed the 1099, popped it into my tax software. However, I am in no hurry, as I remember for the last 2 years there were a few revisions and I would really rather not be filing amended tax returns....if you know what I m...
by IPer
Fri Feb 12, 2016 11:43 pm
Forum: Investing - Help with Personal Investments
Topic: US law forces investors to cash ETF dividends? Non residents.?
Replies: 12
Views: 1580

Re: US law forces investors to cash ETF dividends? Non residents.?

alex_686 wrote: For a non-US taxpayer this may not be true.
Ok, and is it different whether it is a Mutual Fund, ETF or individual stock?
by IPer
Fri Feb 12, 2016 11:35 pm
Forum: Investing - Help with Personal Investments
Topic: Time to Tax Loss Harvest???
Replies: 19
Views: 2176

Re: Time to Tax Loss Harvest???

If stock picking is a fool's errand what is buying in order to TLH?
I want proof that all this fidgeting is panning out at the end of
the year, over 20 years, in my mind it isn't worth it and also might
be cause for incidental losses. Correct me if you will.
by IPer
Fri Feb 12, 2016 11:30 pm
Forum: Investing - Help with Personal Investments
Topic: US law forces investors to cash ETF dividends? Non residents.?
Replies: 12
Views: 1580

Re: US law forces investors to cash ETF dividends? Non residents.?

Um, no, everything I own (in the USA) is reinvested automatically and there are a lot of ETFs in the mix. I think you are missing the OPs point. What if the ETF never paid out a cash dividend - a taxable event - but instead reinvested that dividend back into the fund? Would that not be even more ta...
by IPer
Fri Feb 12, 2016 11:11 pm
Forum: Investing - Help with Personal Investments
Topic: US law forces investors to cash ETF dividends? Non residents.?
Replies: 12
Views: 1580

Re: US law forces investors to cash ETF dividends? Non residents.?

Um, no, everything I own (in the USA) is reinvested automatically and there are a lot of ETFs in the mix. ...I hope no one catches me! I know, however, that the Thailand Stock Exchange (TSE or SET as it is known) does not allow one to reinvest dividends on anything, but I believe that is only becaus...
by IPer
Fri Feb 12, 2016 10:51 pm
Forum: Investing - Theory, News & General
Topic: Meb Faber's new book Investing With the House
Replies: 41
Views: 5710

Re: Meb Faber's new book Investing With the House

Why would anyone follow that guy?! I tried listening to him, only, a few times and my head was spinning, is there any reason why someone would want to live like that? Yeah, sure, waste some money on his book so he has an income stream at least! DOH!!!! :oops: :oops: :oops: :oops: Wait, what/ Live l...
by IPer
Fri Feb 12, 2016 10:42 pm
Forum: Investing - Help with Personal Investments
Topic: Is all that "rebalancing band trigger" stuff really any better than this?
Replies: 19
Views: 1907

Re: Is all that "rebalancing band trigger" stuff really any better than this?

Great comments - thanks so much for all the great minds! I have to admit, part of the reason we said the hell with bond allocations altogether was the mind-melt caused trying to figure out how to rebalance when we all know the best place for bond funds is in 401k/IRAs. I have bonds. I started with ...
by IPer
Fri Feb 12, 2016 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: Is all that "rebalancing band trigger" stuff really any better than this?
Replies: 19
Views: 1907

Re: Is all that "rebalancing band trigger" stuff really any better than this?

marbleous wrote: A perfectly cromulent summation.
...except I wasn't being facetious! What? Sometimes a smile can mask a sinister grin?!
by IPer
Fri Feb 12, 2016 9:25 pm
Forum: Investing - Theory, News & General
Topic: Meb Faber's new book Investing With the House
Replies: 41
Views: 5710

Re: Meb Faber's new book Investing With the House

Why would anyone follow that guy?! I tried listening to him, only, a few times and my head was spinning,
is there any reason why someone would want to live like that? Yeah, sure, waste some money on his book
so he has an income stream at least! DOH!!!! :oops: :oops: :oops: :oops:
by IPer
Fri Feb 12, 2016 9:22 pm
Forum: Personal Consumer Issues
Topic: Relocating for a job--lots of life changes
Replies: 43
Views: 3906

Re: Relocating for a job--lots of life changes

You have stated your fiance is excited about the prospect of going to Florida, perhaps you could see if there isn't something available for her to do there, like line up a job. Not sure what this means other than she would potentially encourage a change of scenery and perhaps understands your curren...
by IPer
Fri Feb 12, 2016 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: Is all that "rebalancing band trigger" stuff really any better than this?
Replies: 19
Views: 1907

Re: Is all that "rebalancing band trigger" stuff really any better than this?

Rebalancing, again, man: In my opinion it's your way or the highway! Everything else seems to reek of fidgetry (new word don't look it up). As for bands, that is so easy I am not sure why everyone keeps rolling over and over about it, perhaps they set themselves at 5% bands and once they were reache...
by IPer
Fri Feb 12, 2016 10:55 am
Forum: Investing - Theory, News & General
Topic: This is Your Brain On Investing
Replies: 18
Views: 3581

Re: This is Your Brain On Investing

I am at the opposite, I am trying to feel more passionate and emotional about my holdings. I have been meditating about that for a few weeks, trying to stir my emotions. I got real fired up when I realized what Intel, Microsoft and Mc Donalds numbers look like for the past 2 years...oh well back to ...
by IPer
Fri Feb 12, 2016 10:53 am
Forum: Investing - Theory, News & General
Topic: World stocks officially reach bear market territory
Replies: 27
Views: 4735

Re: World stocks officially reach bear market territory

OP, good post, thanks!

I guess I should start feeling bearish, though it is hard to feel anything with all the craziness I
read every day!
by IPer
Fri Feb 12, 2016 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Best way to move money internationally?
Replies: 24
Views: 3066

Re: Best way to move money internationally?

I used Paypal the last time to get money to Israel. The currency conversion didn't seem to lose anything, however, Paypal does charge the standard 2.9%, there may be other minor fees on the Paypal to Israeli Bank side as well. Also, you might want to check here if you read Hebrew: https://www.google...
by IPer
Fri Feb 12, 2016 10:20 am
Forum: Investing - Theory, News & General
Topic: How long should I wait for Vanguard to respond?
Replies: 26
Views: 4715

Re: How long should I wait for Vanguard to respond?

I never get good answers for something important through the secure messaging, it can go on for weeks only to
need a phone call. Try to make the time to call and deal with it that way.
by IPer
Fri Feb 12, 2016 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Someone tried to access my Vanguard account
Replies: 20
Views: 3036

Re: Someone tried to access my Vanguard account

You can change your username, have Vanguard do that for you. Try to make it something cryptic, like a password should be, essentially giving you a double password. Not sure if VG is having IT issues with the SMS's going out and so forth but you can only do what you have control over which is usernam...
by IPer
Fri Feb 12, 2016 8:18 am
Forum: Investing - Help with Personal Investments
Topic: buy-and-hold, vs more active mgt....question
Replies: 23
Views: 2422

Re: buy-and-hold, vs more active mgt....question

PS I cannot tell if things are going down, I mean they seem to have been for a while, but I really cannot tell if it is just due to the upcoming elections or an oil deterrent or if the world is actually imploding...hard to tell from where I stand, I know it is looking more and more nuts as time goes...
by IPer
Fri Feb 12, 2016 8:15 am
Forum: Investing - Help with Personal Investments
Topic: buy-and-hold, vs more active mgt....question
Replies: 23
Views: 2422

Re: buy-and-hold, vs more active mgt....question

Well aside from chiming in the mantra of no one knows what things will be like in the next 5-10 years it looks to me like if you had setup a more even glide path towards, say 50-60 bonds with your target being age 70 that would be at a different AA and that might answer your concerns a bit, might no...
by IPer
Fri Feb 12, 2016 5:12 am
Forum: Personal Finance (Not Investing)
Topic: keep or sell house after separation
Replies: 40
Views: 3815

Re: keep or sell house after separation

Knowing what I know now... I would keep the house. I am sure you can find many others who would want to share it with you, but I would exercise some restraint and a LOT of caution for the next time, especially when it comes to any real commitment. So I would be happy in my house, and dating if the o...
by IPer
Fri Feb 12, 2016 3:37 am
Forum: Personal Finance (Not Investing)
Topic: Extra 10K lying around - should i invest?
Replies: 23
Views: 4189

Re: Extra 10K lying around - should i invest?

Hi, How old are you? What's your monthly spending (budget)? Why do you think 3K is adequate for an Emergency fund? What is your Asset Allocation (and expenses) on the $220K that you have invested? Also, what is the calculation that brings you say state you are well off financially (not to dispute it...
by IPer
Fri Feb 12, 2016 3:33 am
Forum: Personal Consumer Issues
Topic: Managing kid's internet use
Replies: 48
Views: 6622

Re: Managing kid's internet use

[...]you are on a fools errand if you think you have the slightest chance of actually monitoring your teenager[...] +1 I was a tween during the reign of Geocities, and I spent more than my fair share of time talking unsupervised with adults on Yahoo! Chat. Only one or two of them were likely pedoph...
by IPer
Thu Feb 11, 2016 11:31 pm
Forum: Investing - Theory, News & General
Topic: Skill vs luck in stock picking
Replies: 38
Views: 4301

Re: Skill vs luck in stock picking

Ok made me look:

Glancing over my portfolio it looks like luck beats skill around 87% of the time, that according
to my "small world". Thanks!
by IPer
Thu Feb 11, 2016 2:06 am
Forum: Investing - Theory, News & General
Topic: Total Bond Market > Tax-Exempt Bond Fund?
Replies: 39
Views: 5007

Re: Total Bond Market > Tax-Exempt Bond Fund?

I have both, I like them, I am under the belief the risks are different, however minuscule those differences
seem to me. That is enough bond splitting conversation for me for a day, thanks for posting!
by IPer
Thu Feb 11, 2016 2:03 am
Forum: Investing - Help with Personal Investments
Topic: Capital One Investing
Replies: 3
Views: 887

Re: Capital One Investing

I signed up with Sharebuilder in 2005, recently became a part of CapitalOne. I still have a significant amount with them, mainly since
Vanguard couldn't read the transfer in kind paperwork and I gave up, that was a few years ago.
by IPer
Wed Feb 10, 2016 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: VYM ETF
Replies: 8
Views: 1201

Re: VYM ETF

well since its that more risky i think i will just go with VWINX. i just figured it was a good buy low kind of deal and it does pay a nice dividend. $$ was just sitting for last year and a half so i wanted to put it to work. Again, she won't start pulling it for at least 5 years. I believe you coul...
by IPer
Wed Feb 10, 2016 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: VYM ETF
Replies: 8
Views: 1201

Re: VYM ETF

Hm... Your question really seems to be can a high dividend array of stocks substitute for a healthy portion of bonds? Or were you aware that that is what it seems (at least to me) like you are asking? And my answer would have to be that they are not related though many out there might try to relate ...
by IPer
Wed Feb 10, 2016 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: delicate conversation with grandparents
Replies: 42
Views: 4708

Re: delicate conversation with grandparents

On one hand one should be able to speak about things like this with family. On the other hand, and addressing your concerns, nothing you do or say or HEAR change what is. And the actions that you should take (none) based on your knowledge should be the same whatever the outcome of that discussion is...
by IPer
Tue Feb 09, 2016 9:38 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Cash in my Whole Life Policy?
Replies: 10
Views: 1142

Re: Should I Cash in my Whole Life Policy?

Find out what the appropriate amount of term insurance is for you, get it, then cut the
whole life and invest the difference long term, assuming you are already maxing your tax
deferred investment space, if not, why not?!
by IPer
Tue Feb 09, 2016 1:36 am
Forum: Personal Finance (Not Investing)
Topic: Tax Return Question
Replies: 10
Views: 1206

Re: Tax Return Question

Every tax form one receives from a brokerage needs to be filed, in my experience, doesn't matter whether it is at a gain or a loss. I believe you would do good to wait and make sure your return is processed (you can check the social security benefits) and then file the amended return. There is no ru...
by IPer
Tue Feb 09, 2016 1:32 am
Forum: Personal Consumer Issues
Topic: Bar/Bat Mitzvah gift question
Replies: 21
Views: 15558

Re: Bar/Bat Mitzvah gift question

$28,036.18!!!

That would garner some real attention. That being said anything you feel comfortable should be appropriate. $180 would be great, $54
would also be good. Depends mostly on your feeling.
by IPer
Tue Feb 09, 2016 1:27 am
Forum: Personal Consumer Issues
Topic: How to deal with dentist phobia
Replies: 25
Views: 3691

Re: How to deal with dentist phobia

I have had some cleanings that I hardly felt and others that were just misery. That being said I tried laughing gas once and threw up and it blew my appointment. The last few times I got cleanings I had no shot just a ibuprofen afterwards and I was fine. That being said I totally hate the idea of go...
by IPer
Mon Feb 08, 2016 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Did my taxes myself for the first time, feels great
Replies: 15
Views: 1682

Re: Did my taxes myself for the first time, feels great

This year I am doubling up TT with freetaxusa.com which is really great imo. Because costs matter and I feel jaded by Intuit and TT. So hopefully next year will be free of this as well!
by IPer
Sat Feb 06, 2016 10:59 pm
Forum: Investing - Theory, News & General
Topic: Expense ratio vs return on investment
Replies: 15
Views: 4230

Re: Expense ratio vs return on investment

Expenses (costs) matter. They are fixed, usually, which means we can choose to pay higher or lower costs. Past performance is no indication of future returns... We don't have any idea how XYZ fund is going to perform in the near future, especially if it is managed (they can decide to buy / sell what...
by IPer
Fri Feb 05, 2016 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: Tilting towards oil
Replies: 18
Views: 1784

Re: Tilting towards oil

I was thinking about it and the problem for me is if I tilt towards anything sector related and then it does very well and that was, let's say 10-15% of my portfolio or something like that and it made 40% gains then I need to sell something and pay taxes on it (unless it is in tax-deferred) and find...
by IPer
Fri Feb 05, 2016 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: Tilting towards oil
Replies: 18
Views: 1784

Re: Tilting towards oil

Um to tell the truth if you buy more Vanguard Total Market you are getting whatever sectors are
low now at a discount! :D :D :happy
by IPer
Fri Feb 05, 2016 11:56 am
Forum: Investing - Help with Personal Investments
Topic: Tilting towards oil
Replies: 18
Views: 1784

Re: Tilting towards oil

XLE or VDE do what you are asking. They hold those stocks, are not expensive. If I were to go that
route (oil tilt) I would either do it that way or buy 4-5 of the top individual stocks in their holdings.
by IPer
Fri Feb 05, 2016 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity or iShares for total stk market?
Replies: 34
Views: 5141

Re: Fidelity or iShares for total stk market?

does the leftover money from not being able to buy partial shares for ETFs make a significant difference since it's just sitting and not being put to work? No, I dumped mine in my Emergency Fund. Or maybe I bought food with it. Or I put it on my mutual fund side of the portfolio. If you are speakin...
by IPer
Fri Feb 05, 2016 9:26 am
Forum: Investing - Help with Personal Investments
Topic: I Lost My FInancial Brain - Please Help
Replies: 85
Views: 9921

Re: I Lost My FInancial Brain - Please Help

Sorry for your loss. You seem to have a good head on your shoulders. My perception is you seem more like a 60/40 (stocks/bonds) guy than a 80/20, I could be wrong. My other perception is you have basically made it, you just need to rearrange things, the others on this board will be much more eloquen...
by IPer
Fri Feb 05, 2016 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity or iShares for total stk market?
Replies: 34
Views: 5141

Re: Fidelity or iShares for total stk market?

According to Morningstar, the 9-style boxes are the same and the "growth of $10k" charts are almost indistinguishable. I don't see that either is a clear winner over the other. Seems to me it boils down to whether you like mutual funds or ETFs better. Yeah, I noticed that as well! The three differe...