Search found 35 matches

by investorperson
Fri Dec 21, 2007 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: Just Making Sure I Got this Rebalancing thing Right
Replies: 2
Views: 1106

Just Making Sure I Got this Rebalancing thing Right

Even though I've read a few books and consider myself a Boglehead (rookie), I want to make sure I got this right. In January, I'll contribute to my Roth IRA. I decided in 2007 to have my AA with 10% REIT (via Vanguard's VGSIX). Now, it looks like REIT is about 7% of my portfolio, a loss of 3% this y...
by investorperson
Fri Dec 21, 2007 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: where to begin investing into roth IRA at age 24
Replies: 21
Views: 5684

Advice....

Keep getting educated, and don't fall for any get rich quick schemes. Do your research, ask questions, get multiple opinions, take a look at the many books suggested on this forum. I find the folks on this forum to be so helpful and smart.
by investorperson
Fri Oct 19, 2007 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Help! Did my friend's identity get stolen?
Replies: 8
Views: 2862

Help! Did my friend's identity get stolen?

Hi All, My friend received a phone call from 800-354-3217, "UCB" United Collections Bureau The caller knew my friend's name (she is listed in the white pages in New York, so this may be no surprise) and gave her a scary sounding story and file #. Sounds fishy. My friend gave the caller her last four...
by investorperson
Fri Aug 10, 2007 5:12 pm
Forum: Investing - Help with Personal Investments
Topic: Converting Traditional to Roth IRA --> Deadline?
Replies: 5
Views: 2084

psueeret, , I'm doing that for the same reason. But, I'm not too sure what my income will be for 2007. I'm trying to do a "Price is Right" kind of thing. How close can I go to a married filing jointly income of $63,700 (which would keep me in the 15% tax bracket) without going over... I'll likely wa...
by investorperson
Fri Aug 10, 2007 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: Converting Traditional to Roth IRA --> Deadline?
Replies: 5
Views: 2084

Converting Traditional to Roth IRA --> Deadline?

Hi,

I am thinking to convert my traditional IRAs to Roth IRAs since my income for 2007 will be low.

Does anyone know if I need to make the converstion by December 31, 2007? Or do I have until April 15, 2008?

Thanks!
by investorperson
Mon Jun 11, 2007 1:28 am
Forum: Investing - Help with Personal Investments
Topic: Help! Relatives using Whole Life for retirement...
Replies: 18
Views: 6228

Oddibe and all, I could write a thesis on this topic, because it caused a lot of heartache and stress for me and for my wife, and we trusted someone we thought we could trust...a close aquaintance. This is what eventually turned me into an investigate for yourself Boglehead, so for that I'm thankful...
by investorperson
Wed May 23, 2007 1:26 am
Forum: Investing - Help with Personal Investments
Topic: House: To Buy or Not to Buy
Replies: 30
Views: 11511

ajbibi,

You're in a good spot. Sounds like you have a great job, family. You fully fund every three number'ed kind of account there is.

What do you do for a living and how can I do it? =)

Investorperson
by investorperson
Mon May 21, 2007 3:56 am
Forum: Investing - Theory, News & General
Topic: Simba's backtesting spreadsheet [a Bogleheads community project]
Replies: 1122
Views: 636929

Also, Readme file example needs to be updated: For example To calculate the returns from 1981-1990 Readme Says: change cell AB2 to 10 in Returns_72_06 change cell AC2 to 1990 in Returns_72_06 The spreadsheet would return the porfolio return over the period 1981-1990. With Revision 5b one no longer u...
by investorperson
Mon May 21, 2007 2:33 am
Forum: Investing - Theory, News & General
Topic: Simba's backtesting spreadsheet [a Bogleheads community project]
Replies: 1122
Views: 636929

Simba, I may have caught an error. Returns_85_06 Columns Z and AA (Energy, Health) feed off of Data_85_06 Columns Z and AA. However these data are for S-Tips and Wellington, not Energy, Health. If I'm right in thinking that this is an error, I believe it's the Energy, Health, P.Metals columns that d...
by investorperson
Sun May 20, 2007 12:49 am
Forum: Investing - Theory, News & General
Topic: Simba's backtesting spreadsheet [a Bogleheads community project]
Replies: 1122
Views: 636929

Yes, this is great Simba. You're the best. Suggestion - For data that we can change, make the cells blue . For formulas/data we shouldn't change, leave it black. This is standard practice in the finance world I believe. (I'm not in finance.) That way, users know, "OK, I can change blue." Question - ...
by investorperson
Fri May 18, 2007 3:20 am
Forum: Investing - Theory, News & General
Topic: Simba's backtesting spreadsheet [a Bogleheads community project]
Replies: 1122
Views: 636929

Question on Initial $10K Investment Cell X5 Returns Sheet

Thanks so much Simba for putting this together! This might be a stupid question (I'm learning here) - Why does the CAGR change if I change my initial $10,000 investment (Cell X5 in the Returns sheet). Shouldn't it stay the same no matter how much your initial investment is? I'm trying to tell myself...
by investorperson
Thu May 17, 2007 3:53 pm
Forum: Investing - Theory, News & General
Topic: Anti-Diehard?
Replies: 44
Views: 18953

Perhaps you should also re-evaluate your risk tolerance. If you feel like you'll panic if things go south, then maybe you should re-evaluate your bond/stock mix? What do I know, though. I've only invested these past few years and have not had a down year yet. Maybe I'll panic too when the time comes...
by investorperson
Sun May 13, 2007 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: Recommended Credit Cards
Replies: 7
Views: 3128

Check out creditcardtuneup.com This website lets you type in how much you spend for various categories (gas, groceries, travel, etc....). Then, it calculates which credit card will be best for you. AMEX Blue Cash is good if you spend a lot per year. (The more you spend, the "greater" the benefit of ...
by investorperson
Thu May 03, 2007 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking Boglehead Public School Teachers in Los Angeles
Replies: 1
Views: 1160

Seeking Boglehead Public School Teachers in Los Angeles

Hi Bogleheads, Are there any public school teachers on this forum who teach in Southern California? If so, please reply or private message me if you're more comfortable. - I'm trying to understand very specifically the financial considerations in finding a public school teaching job (the cost of ben...
by investorperson
Tue Apr 17, 2007 2:17 am
Forum: Investing - Theory, News & General
Topic: Are private elite universities worth it?
Replies: 139
Views: 64328

IMHO, there's a slight problem with trying to predict what she'd want to do after graduating from college and using this to figure out which undergraduate university to attend. So many college students (and, well, post-college students) change their minds and explore other things. I think that's par...
by investorperson
Thu Apr 12, 2007 1:38 am
Forum: Investing - Theory, News & General
Topic: Should I laugh or cry?
Replies: 48
Views: 25690

Cry, for now. Sometimes you have to learn the hard way. (Like I did a few years back. But good thing I was young with not much money lost to an insurance person.) I'd rather make the mistake and learn from it than never learn at all. Better yet, of course, is to learn right away. Worse, she'll never...
by investorperson
Wed Apr 11, 2007 6:12 pm
Forum: Investing - Theory, News & General
Topic: Proper Estimates of Overall Returns
Replies: 1
Views: 1405

Proper Estimates of Overall Returns

Hello Bogleheads: I may have some silly questions, but I'm going to ask anyhow. Maybe they're not too silly. Say I have $10,000 invested today in a tax free account. If I want to see how much that'll be worth 30 years from now, assuming 10% annual return: $10,000 x 1.10^30 to get $174,494. The probl...
by investorperson
Tue Apr 10, 2007 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: Turbo tax online
Replies: 11
Views: 4714

I tried Turbo Tax online for the first time this year and found it to work ok. Previously, I've used an "accountant" at H&R block, but was unhappy with their service because the "accountant" was asking me some questions on how to do the taxes, and then she asked if she could borrow my calculator. Sh...
by investorperson
Tue Apr 10, 2007 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: Microsoft Money - Any Tricks?
Replies: 10
Views: 4375

"Also do not use the next to last column because it gives the average performance over your holdings." livesoft, which is the next to last column? I have rearranged all my columns so it's not the same as yours in all likelihood. Wow, quite a response to this post. Yes, I believe many people don't bo...
by investorperson
Tue Apr 10, 2007 3:26 am
Forum: Investing - Help with Personal Investments
Topic: Microsoft Money - Any Tricks?
Replies: 10
Views: 4375

Microsoft Money - Any Tricks?

Hello Folks, I use Microsoft Money and was wondering if you use it, what do you use it for, and do you have any tips / tricks on how best to use it? Even though I am somewhat technologically savvy, it took quite an amount of time for me to get up to speed with the program. Even years later, though, ...
by investorperson
Mon Apr 09, 2007 1:46 am
Forum: Investing - Theory, News & General
Topic: Free and Clear House: Is it possible?
Replies: 33
Views: 15084

gurgi, I haven't read all the replies so hopefully I'm not repeating too many things. I do agree with many of the folks here that have said it's difficult to own a house free and clear right after college. I believe all your investments that are held in your name will be taken by whatever college yo...
by investorperson
Fri Apr 06, 2007 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in NonRetirement Account with Low Tax Bracket
Replies: 5
Views: 2605

Laura, Thanks so much. For some reason, I tend to forget that I'll have another retirement account to contribute to in a few months. That's where I should put the money. I'm a bafoon! I guess it just feels weird to not put away something into investments monthly right now, since I've maxed ROTH IRA ...
by investorperson
Fri Apr 06, 2007 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in NonRetirement Account with Low Tax Bracket
Replies: 5
Views: 2605

Investing in NonRetirement Account with Low Tax Bracket

Hello Bogleheads: I am considering investing for the first time in a Vanguard Non-Retirement account. I have previously posted to this forum my AA, background, and have received feedback. But, I don't know much about non-retirement accounts, especially how they are taxed. Also, I don't know the intr...
by investorperson
Mon Apr 02, 2007 11:50 am
Forum: Investing - Help with Personal Investments
Topic: Request to Review My AA and Seeking Advice
Replies: 2
Views: 1421

Laura, Thank you so much for your great reply. We are fortunate right now because we are not getting hit with any low balance fees from Vanguard. However, if the markets take a drop of about 10%, we will be hit with annual low balance fees for a few of the index funds. That's very possible obviously...
by investorperson
Mon Apr 02, 2007 2:17 am
Forum: Investing - Help with Personal Investments
Topic: Request to Review My AA and Seeking Advice
Replies: 2
Views: 1421

Request to Review My AA and Seeking Advice

Hello Bogleheads! I'd appreciate your thoughts, and have tried to follow the guidelines for posting. 1. Me (Age 26, Married, 0 Children) Investment Objective is for retirement, which is nearly 40 years from now. I am also considering whether I should start some taxable investments. Currently a subst...
by investorperson
Wed Mar 28, 2007 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: other good financial forumns?
Replies: 9
Views: 4120

I sometimes read Kiplinger's forum, but not so much anymore because it seemed it was loaded with salespeople who gave terrible advice (in most cases). I believe this is the best so far that I've found.
by investorperson
Mon Mar 26, 2007 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: Credit cards
Replies: 16
Views: 5470

That seems like good reasoning to me. Just don't open too many and have too much available credit. Otherwise, I have heard, when you try to take out a loan, that counts against you. But on the other hand, you do want positive credit history. So, your line of thinking is right. If you every have to c...
by investorperson
Tue Mar 20, 2007 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Question on Stafford Loans
Replies: 5
Views: 2284

Ahhhh, now I'm seeing the error in my thinking. I knew something was wrong, and now it's obvious. Thanks BrianTh, jar2574, InvestoRPH for your comments. I certainly appreciate it. It seems there are more things I have to calculate to see how good/bad the loan is, and I guess it'll be a well put toge...
by investorperson
Tue Mar 20, 2007 3:21 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio review
Replies: 7
Views: 3029

vtchill, You are major steps ahead of your peers. I am not too much older than you are, and learned the importance of investing early on from a college professor, which I'm thankful for. Only now, however, am I paying closer attention to Asset Allocation and reading this forum and other things out t...
by investorperson
Tue Mar 20, 2007 3:03 am
Forum: Investing - Help with Personal Investments
Topic: Question on Stafford Loans
Replies: 5
Views: 2284

Question on Stafford Loans

Greetings, I will start graduate school and have been offered $18.5K in Federal Stafford Loans ($8.5K Subsidized, $10K Unsubsidized, 6.8% Fixed Interest). There is a 3% origination fee, which means I would net $17,945. For the purposes of this example, let's just consider all $18.5K at the unsubsidi...
by investorperson
Sat Mar 17, 2007 2:28 am
Forum: Investing - Help with Personal Investments
Topic: How much is your net worth?
Replies: 33
Views: 20565

hmmm....

This poll makes me think...hmmm...what do you all do for a living?!? It seems like you all do things that eventually lead you to become millionaires (well, I'm sure a lot of that has to do with being Bogleheads!, investing early, etc...)
by investorperson
Thu Mar 15, 2007 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: International Stocks More Correlated to US?
Replies: 8
Views: 4033

International Stocks More Correlated to US?

Greetings, I'm somewhat of a rookie, but have been reading a lot. I appreciate all those who post advice to this forum. It greatly helps newer folks like myself. 1) I understand that International stocks are important to your AA, and a primary reason for this is to spread risk (If US economy hurts, ...
by investorperson
Thu Mar 01, 2007 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Having only Blended Mutual Fund Investments OK?
Replies: 3
Views: 2855

GBS & Laura,

Thanks so much for your feedback. I certainly appreciate it. I see the value of having a good allocation, and thanks for pointing me to the instant X-Ray tool (btw, I don't think the link was correct, but I found it easily at Morningstar.)
by investorperson
Thu Mar 01, 2007 9:38 am
Forum: Investing - Help with Personal Investments
Topic: Questions from a Newbie
Replies: 3
Views: 2617

Questions from a Newbie

Greetings, This forum has been great. I am glad to have found it. I wanted to ask the following random questions which have always made me scratch my head. I'd appreciate responses to any or all of them: 1) Why is it that from year to year various asset classes do better than others as a whole? Shou...
by investorperson
Wed Feb 28, 2007 1:38 am
Forum: Investing - Help with Personal Investments
Topic: Having only Blended Mutual Fund Investments OK?
Replies: 3
Views: 2855

Having only Blended Mutual Fund Investments OK?

Greetings All, I'm new to this forum so please forgive me if this is a silly question! I know having a well-diversied portfolio is key. Is having only Blended Investments (Large-Blend, Mid-Blend, Small-Blend) ok? So the nine-square box would look something like: 0...64...0 0...27...0 0...09...0 Is t...