So that big sucking sound putting the FIRE bloggers out of business would be bogleheads.org? Is that really what they want? They would not be able to FIRE then.snarlyjack wrote: ↑Sun Apr 22, 2018 8:32 amThis would help the Bogleheads &
the forum. The forum could grow quite substantially.
Search found 59782 matches
- Sun Apr 22, 2018 8:45 am
- Forum: Investing - Theory, News & General
- Topic: Boglehead Philosophy Open To Change?
- Replies: 43
- Views: 2266
Re: Boglehead Philosophy Open To Change?
- Sun Apr 22, 2018 8:39 am
- Forum: Investing - Help with Personal Investments
- Topic: How much does tinkering hurt returns?
- Replies: 16
- Views: 1300
Re: How much does tinkering hurt returns?
Nobody can really tell you how much your tinkering will hurt or help your returns. All of the posts in this thread have no data to back up their claims except for nedsaid. There are studies that show that some people who trade more do not do as well that trade less, too. But then it only takes one e...
- Sat Apr 21, 2018 8:54 am
- Forum: Investing - Help with Personal Investments
- Topic: wash sale for IRA?
- Replies: 6
- Views: 391
Re: wash sale for IRA?
I have total US stock and total international stock in everything: traditional IRA and Roth IRA and even 401(k) and taxable. Never was a big deal for me.
- Sat Apr 21, 2018 8:53 am
- Forum: Investing - Help with Personal Investments
- Topic: Should I continue to hold REITs?
- Replies: 46
- Views: 3197
Re: Should I continue to hold REITs?
A Chinese shopping mall has been called ... the most expensive display advertising in history. The problem is there has been overinvestment. When I went to China, I noticed that the malls did not seem to actually be *selling* much? Chinese tend to go find a local trader and haggle over the price, I...
- Fri Apr 20, 2018 8:47 pm
- Forum: Investing - Help with Personal Investments
- Topic: mutual funds or etfs, why each
- Replies: 15
- Views: 1027
Re: mutual funds or etfs, why each
Because you have anxiety attacks when you submit an ETF order, but not a mutual fund order.
Because you have more control over the price you pay for the ETF shares and that can backfire and kick regret back into your face.
- Fri Apr 20, 2018 8:22 pm
- Forum: Personal Finance (Not Investing)
- Topic: stocks gifted and new basis?
- Replies: 7
- Views: 356
Re: stocks gifted and new basis?
@Gill, thanks! Will you please let us know if they respond? I guess somebody else can tell us if the article is ever modified.
- Fri Apr 20, 2018 7:55 pm
- Forum: Personal Finance (Not Investing)
- Topic: stocks gifted and new basis?
- Replies: 7
- Views: 356
Re: stocks gifted and new basis?
You should send e-mail to the address noted in the article. Point them to IRS Publication 550.
- Fri Apr 20, 2018 7:52 pm
- Forum: Personal Consumer Issues
- Topic: Newborn- essential financial steps
- Replies: 14
- Views: 984
Re: Newborn- essential financial steps
Get her a job modeling and posing for photographs for advertisements.
- Fri Apr 20, 2018 7:47 pm
- Forum: Personal Finance (Not Investing)
- Topic: Vanguard MM Fund Question
- Replies: 3
- Views: 403
Re: Vanguard MM Fund Question
Try it right now. Contribute $5 in the next few minutes. What happened?
- Fri Apr 20, 2018 7:40 pm
- Forum: Personal Finance (Not Investing)
- Topic: Vanguard MM Fund Question
- Replies: 3
- Views: 403
Re: Vanguard MM Fund Question
Yes, you can just continue to contribute to your settlement account as normal.
- Fri Apr 20, 2018 7:26 pm
- Forum: Investing - Help with Personal Investments
- Topic: Should I continue to hold REITs?
- Replies: 46
- Views: 3197
Re: Should I continue to hold REITs?
If you aren't committed to REITs ... and it certainly seems that you are not ... then you should sell and take your losses now. Otherwise, you would be buying more without a second thought. I think the money you have in REITs will be more productive elsewhere at this time. If VNQ has a RBD, then I w...
- Fri Apr 20, 2018 3:02 pm
- Forum: Investing - Help with Personal Investments
- Topic: How do you compare VNQ vs SP500?
- Replies: 18
- Views: 868
Re: How do you compare VNQ vs SP500?
The really simple answer is you don't compare them to each other.
- Fri Apr 20, 2018 9:22 am
- Forum: Investing - Help with Personal Investments
- Topic: SpecID not yet available
- Replies: 3
- Views: 486
Re: SpecID not yet available
And on the non-covered shares, I believe that is a thing with all brokerages. Both TDAmeritrade and WellsTrade have always had perfect records of our non-covered shares, so that we could use Specific Identification. Both would report accurate cost basis to me for non-covered shares, but would also ...
- Fri Apr 20, 2018 7:57 am
- Forum: Investing - Help with Personal Investments
- Topic: Opinion on Vanguard Personal Advisor Services
- Replies: 12
- Views: 1450
- Fri Apr 20, 2018 7:51 am
- Forum: Investing - Theory, News & General
- Topic: Larry Swedroe: Chasing Returns A Hard Catch
- Replies: 2
- Views: 374
Re: Larry Swedroe: Chasing Returns A Hard Catch
The article concludes
Does that hint that a particular trading strategy can have benefits?A better use of historical performance relegates it to a secondary role, the primary focus being an a priori analysis of a manager’s investment process (security selection and trading strategy).
- Fri Apr 20, 2018 7:07 am
- Forum: Investing - Help with Personal Investments
- Topic: Opinion on Vanguard Personal Advisor Services
- Replies: 12
- Views: 1450
Re: Opinion on Vanguard Personal Advisor Services
And TLH is a dual edge sword. It makes sense if you are going to buy and hold and leave the proceeds to your heirs just pulling the dividends in retirement. It makes less sense, in part depending on your current tax rate relative to your retirement tax rate, because by doing the TLH you essentially...
- Fri Apr 20, 2018 7:02 am
- Forum: Investing - Help with Personal Investments
- Topic: Financial planners [looking for one]
- Replies: 22
- Views: 1592
Re: Financial planners [looking for one]
A fluff piece on financial planners in the NYTimes today:
https://www.nytimes.com/2018/04/20/smar ... anner.html
Unfortunately, it does not inform one about all the problems with financial planners. They ain't all good guys and gals.
https://www.nytimes.com/2018/04/20/smar ... anner.html
Unfortunately, it does not inform one about all the problems with financial planners. They ain't all good guys and gals.
- Thu Apr 19, 2018 8:57 pm
- Forum: Personal Consumer Issues
- Topic: managing travel expectations
- Replies: 3
- Views: 623
Re: managing travel expectations
Couples don't have to travel together. They can go to different places and at different times. One can stay home. I am going camping in the Sierras soon by myself. My spouse will stay home and walk the dog. My spouse went to Cuba with her girlfriends last month. I stayed home and walked the dog. But...
- Thu Apr 19, 2018 8:53 pm
- Forum: Investing - Help with Personal Investments
- Topic: Pay the Taxman or the Financial Adviser/Fund Manager?
- Replies: 5
- Views: 491
Re: Pay the Taxman or the Financial Adviser/Fund Manager?
You would pay 22% of any money put into the taxable account first before you would buy one single share of VTI. With the 401(k), you would not pay that 22% at first.
- Thu Apr 19, 2018 8:22 pm
- Forum: Investing - Help with Personal Investments
- Topic: Cash [Balance] Avoidance with TD Ameritrade ETFs
- Replies: 8
- Views: 413
Re: Cash [Balance] Avoidance with TD Ameritrade ETFs
I cannot judge intuitive for you. I can write that I am undaunted when it comes to teaching myself things and figuring things out for myself.
- Thu Apr 19, 2018 8:09 pm
- Forum: Investing - Help with Personal Investments
- Topic: Cash [Balance] Avoidance with TD Ameritrade ETFs
- Replies: 8
- Views: 413
Re: Cash [Balance] Avoidance with TD Ameritrade ETFs
Trade Architect at TDAmeritrade.
- Thu Apr 19, 2018 8:07 pm
- Forum: Investing - Help with Personal Investments
- Topic: Small Cap Value Tilt in Roth IRA or 401k?
- Replies: 3
- Views: 354
Re: Small Cap Value Tilt in Roth IRA or 401k?
Maybe you don't want to do that because putting small-cap value in a Roth has the greatest potential for loss.
- Thu Apr 19, 2018 8:02 pm
- Forum: Investing - Help with Personal Investments
- Topic: Cash [Balance] Avoidance with TD Ameritrade ETFs
- Replies: 8
- Views: 413
Re: Cash [Balance] Avoidance with TD Ameritrade ETFs
You can get your cash balance easily to less than the value of one (1) share of SPTM. Example: Submit orders for 1000, 1000, 1000 shares. Then for 100 shares. Then for 20 shares. When they all execute you will know how much cash you have left. Then for whatever remaining cash you have that will get ...
- Thu Apr 19, 2018 7:54 pm
- Forum: Investing - Help with Personal Investments
- Topic: Cash [Balance] Avoidance with TD Ameritrade ETFs
- Replies: 8
- Views: 413
Re: Cash [Balance] Avoidance with TD Ameritrade ETFs
It doesn't cost you any commission to buy, so you can submit many orders to buy if you wanted. The order size could be 100, 200, 500, 1000 or whatever shares. You can submit some limit orders and some market orders. You can have many orders waiting to execute. You can even modify or cancel orders th...
- Thu Apr 19, 2018 7:14 pm
- Forum: Investing - Help with Personal Investments
- Topic: How to invest $950,000 over next 45-90 days
- Replies: 27
- Views: 3314
Re: How to invest $950,000 over next 45-90 days
You can look at both auction and secondary. If you ask Morgan Stanley for suggestions, they can give you the CUSIP numbers and you can just plug those into the search box at Vanguard and Fidelity to see the story.
- Thu Apr 19, 2018 6:40 pm
- Forum: Personal Consumer Issues
- Topic: Negotiating for a new Toyota.[my fault comparing apples and oranges]
- Replies: 29
- Views: 2187
Re: Negotiating for a new Toyota.
Don't buy from this dealer.
They know you have bought from them twice before. They know what kind of deal they gave you. They are probably basing their prices on the past deals they gave you.
They know you have bought from them twice before. They know what kind of deal they gave you. They are probably basing their prices on the past deals they gave you.
- Thu Apr 19, 2018 6:21 pm
- Forum: Personal Finance (Not Investing)
- Topic: Good Dad, Bad Dad [pay for son's driving expenses (or not)]
- Replies: 49
- Views: 3365
Re: Good Dad, Bad Dad
Our kids got licenses soon enough and from then on were always driving when I was in the car, so that they had plenty of practice before going off to college where they did not have cars, but drove their friends' cars. Even now, I make them drive whenever they come home because I want them to always...
- Thu Apr 19, 2018 3:30 pm
- Forum: Investing - Theory, News & General
- Topic: 2017 Relative Tax Efficiency
- Replies: 33
- Views: 4671
Re: 2017 Relative Tax Efficiency
Well, I have ridden my bike faster than the speed of light: I started at the top of a steep hill and just took off. I pedaled faster and faster in the top gear, but the real trick was I reached over to my left wrist where my analog watch was and pulled the stem out. Then I turned the minute hand bac...
- Thu Apr 19, 2018 1:33 pm
- Forum: Investing - Theory, News & General
- Topic: 2017 Relative Tax Efficiency
- Replies: 33
- Views: 4671
Re: 2017 Relative Tax Efficiency
I think that if I bought the shares on the last day of the year, then I would probably have no tax liability that year created by those shares.
- Thu Apr 19, 2018 1:11 pm
- Forum: Investing - Help with Personal Investments
- Topic: How to invest $950,000 over next 45-90 days
- Replies: 27
- Views: 3314
Re: How to invest $950,000 over next 45-90 days
Yes, I saw 4 week T-bills yesterday at 1.66% but I believe those come with some costs, right? No costs at a few places, but I would be surprised if Morgan Stanley was one of those places. Nevertheless, T-bills are probably the best place if the money must be kept at Morgan Stanley. You can easily c...
- Thu Apr 19, 2018 9:36 am
- Forum: Personal Consumer Issues
- Topic: Another discussion about private vs public schools?
- Replies: 79
- Views: 4015
Re: Another discussion about private vs public schools?
Relax. In the early 1970's I went to a public high school that I found out later was nationally ranked. I would not have known it at the time. I had many AP course (yes, in the 1970s) and eventually went on to get a PhD. It was located in the South. We live in a public school system that is outstand...
- Thu Apr 19, 2018 8:48 am
- Forum: Investing - Help with Personal Investments
- Topic: Help with rebalancing retirement accounts
- Replies: 5
- Views: 505
Re: Help with rebalancing retirement accounts
I would not sell the 500 index at a gain in taxable in order to make any rebalancing moves unless the gain was not taxed because you are in a very low income tax bracket and won't pay state income taxes on it. Whether you stop adding to it and buy Total US Stock Market Index fund going forward will ...
- Thu Apr 19, 2018 6:00 am
- Forum: Investing - Theory, News & General
- Topic: Goof? Prime MM, "retail," "Admiral," $5 million minimum?
- Replies: 20
- Views: 2588
Re: Goof? Prime MM, "retail," "Admiral," $5 million minimum?
It is probably a fund that some people use when they transfer assets to Vanguard and then DCA into their longer term investments. It plays to the mental accounting and behavioral finance aspects of rational investors.
Full disclosure: I have no money in this fund.
Full disclosure: I have no money in this fund.
- Wed Apr 18, 2018 9:54 pm
- Forum: Investing - Help with Personal Investments
- Topic: Consulting income-how to manage taxes?
- Replies: 11
- Views: 939
Re: Consulting income-how to manage taxes?
I wonder what the use of the word "our" actually means here. Do both spouses work and have plans?
- Wed Apr 18, 2018 9:24 pm
- Forum: Investing - Help with Personal Investments
- Topic: Bonds vs. Fixed/Guaranteed Income
- Replies: 21
- Views: 1976
Re: Bonds vs. Fixed/Guaranteed Income
The yield aka interest-rate aka return paid by the stable value will most certainly not be stable at 2.52%. It will vary over time.
- Wed Apr 18, 2018 8:30 pm
- Forum: Investing - Help with Personal Investments
- Topic: ETFs for cash savings
- Replies: 8
- Views: 897
Re: ETFs for cash savings
BIL is also pretty much like a money market fund.
But 3-4 years out? I would use equities myself such as VTI.
But 3-4 years out? I would use equities myself such as VTI.
- Wed Apr 18, 2018 8:28 pm
- Forum: Investing - Theory, News & General
- Topic: Lack of FDIC Insurance a big deal?
- Replies: 39
- Views: 3012
Re: Lack of FDIC Insurance a big deal?
Why would you be suspicious of using 1-3 month T-bills for a money market fund. I can't think of a safer MMF than one that exclusively used such instruments. Would you rather they used commercial paper like the Reserve Fund? I guess I wasn't too clear. I am concerned about bait-and-switch. T-bills ...
- Wed Apr 18, 2018 7:58 pm
- Forum: Personal Finance (Not Investing)
- Topic: How to argue for S&P
- Replies: 15
- Views: 935
Re: How to argue for S&P
One is a multinational mid-cap growth fund and the other is a US large-cap blend fund. Cue: Mel Lindauer.
- Wed Apr 18, 2018 5:19 pm
- Forum: Personal Consumer Issues
- Topic: How do you know what price to negotiate when buying a used car?
- Replies: 28
- Views: 1539
Re: How do you know what price to negotiate when buying a used car?
Calling all car shopper experts :moneybag ! I'm in the market for a certified 2015 Camry and need to gauge the right price to base my negotiations with the dealer. I used the Kelly Blue Book estimate but it only gives me a range and for the car that I want, the dealer's price is within the KBB rang...
- Wed Apr 18, 2018 5:17 pm
- Forum: Investing - Theory, News & General
- Topic: Wellesley January Price Drop? Why?
- Replies: 26
- Views: 2948
Re: Wellesley January Price Drop? Why?
Wellesley performance has been underwhelming this year, compared to other funds IN IT'S CATEGORY. It's currently in the bottom 7% of all "Allocation - 30-50% equity" funds YTD according to M*. Like many close to ER, I have sizable investments in Wellesley and have always considered it my "sleep wel...
- Wed Apr 18, 2018 4:08 pm
- Forum: Investing - Help with Personal Investments
- Topic: Are you keeping more in cash?
- Replies: 31
- Views: 4191
Re: Are you keeping more in cash?
No cash. I still hate cash. But I don't mind something like 1-3 month T bills for some market timing purposes.
- Wed Apr 18, 2018 3:59 pm
- Forum: Personal Consumer Issues
- Topic: How do you know what price to negotiate when buying a used car?
- Replies: 28
- Views: 1539
Re: How do you know what price to negotiate when buying a used car?
Oh, another thought: If you try to negotiate to a low price and never close the deal, then you can pretty well know that your low price is probably too low. So I would suggest that you have many failures and not be bothered by them at all. Then you will really know what price to negotiate to.
- Wed Apr 18, 2018 3:36 pm
- Forum: Investing - Help with Personal Investments
- Topic: Wash Sale Rule - Purchase Before Sale
- Replies: 7
- Views: 303
Re: Wash Sale Rule - Purchase Before Sale
I will construct a scenario where one can have a good wash sale, but avoiding the wash sale would hurt you. 1. Buy Vanguard Total Stock Market last year and pay $140 a share for VTI. 2. VTI drops to $100 a share, so you have choice: a. Buy more to rebalance, or b. Tax--loss harvest and buy VV (large...
- Wed Apr 18, 2018 3:26 pm
- Forum: Investing - Help with Personal Investments
- Topic: Wash Sale Rule - Purchase Before Sale
- Replies: 7
- Views: 303
Re: Wash Sale Rule - Purchase Before Sale
Yes, yes, and sort-of yes. You will have a wash sale for the one share. The One unsold share will have its cost basis adjusted. So if you sold that one share a day (or anytime later), then it will have a different line on your Form 1040 Schedule D / Form 8949 where any gain/loss with the new basis w...
- Wed Apr 18, 2018 3:21 pm
- Forum: Investing - Theory, News & General
- Topic: Short-Term Investment Options for a Rising-Rate, Volatile-Market Environment
- Replies: 4
- Views: 454
Re: Short-Term Investment Options for a Rising-Rate, Volatile-Market Environment
Seems like this article is about 30 to 60 days late. I already own T-bills and "floaters" and short-term bonds. Since total US bond has dropped in price, I now prefer to buy it than the things mentioned in the Schwab article. If we chart the "growth of" Total US Bond (BND), T-bills (BIL), floaters (...
- Wed Apr 18, 2018 2:30 pm
- Forum: Investing - Help with Personal Investments
- Topic: Bond allocation for taxable accounts
- Replies: 5
- Views: 572
Re: Bond allocation for taxable accounts
At 22%, you are in a tax bracket where tax-exempt muni bonds don't make much sense for you. So BND is probably OK if you insist on having bonds in taxable. You can always save on taxes by finding something that pays out a lower interest or dividend, but do you really want to have less money after ta...
- Wed Apr 18, 2018 2:21 pm
- Forum: Investing - Help with Personal Investments
- Topic: Strategy for non-retirement funds in light of looming college bills
- Replies: 8
- Views: 513
Re: Strategy for non-retirement funds in light of looming college bills
We had college expenses over many years with our kids. We considered all our money as eligible to pay for college, so we did NOT have an asset allocation separate for each child. For instance, when our oldest was in college, we were happy to have quite a lot of equities. That was terrible around 200...
- Wed Apr 18, 2018 1:52 pm
- Forum: Personal Consumer Issues
- Topic: How do you know what price to negotiate when buying a used car?
- Replies: 28
- Views: 1539
Re: How do you know what price to negotiate when buying a used car?
I look across the nation for the actual sales prices of similar cars. So for a Certified pre-owned car, I usually start offering at least 20% below asking price and expect to pay lower than 15% off original asking price of the used car at a dealer. And watch out that they show the car with one set o...
- Wed Apr 18, 2018 1:47 pm
- Forum: Investing - Theory, News & General
- Topic: Lack of FDIC Insurance a big deal?
- Replies: 39
- Views: 3012
Re: Lack of FDIC Insurance a big deal?
I am OK with Vanguard Prime Money Market, but not necessarily with MM funds from other vendors. Furthermore, I am suspicious of other vendors who might use 1-3 month T-bills for their MM funds nowadays, but might switch to something else to bail out another part of the company in a crisis. But at th...
- Wed Apr 18, 2018 12:41 pm
- Forum: Personal Consumer Issues
- Topic: Planning a week in Yellowstone 2019
- Replies: 6
- Views: 647
Re: Planning a week in Yellowstone 2019
We went for about 10 days in September. It snowed one day. I think September will be great. After Labor Day when school has started, the tourists are mostly the Nearly Dead and the Newly Wed. Forest fires could close huge sections of the Park and also Roads. We stayed in Jackson, Colter Bay, and in ...