Search found 242 matches

by Visitor
Tue Aug 14, 2018 11:11 pm
Forum: Investing - Theory, News & General
Topic: Achieva offers 4.2% 5 year IRA CD for $75k or >
Replies: 32
Views: 6030

Re: Achieva offers 4.2% 5 year IRA CD for $75k or >

Problem resolved today. Branch Manger spoke directly to me. After a failed attempt together to resubmit another IRA application, she sent me an App my wife used to verify her identity. Very pleased. Branch manager was very friendly, professional and sincerely showed our frustration really mattered t...
by Visitor
Mon Aug 13, 2018 7:47 pm
Forum: Investing - Theory, News & General
Topic: Achieva offers 4.2% 5 year IRA CD for $75k or >
Replies: 32
Views: 6030

Re: Achieva offers 4.2% 5 year IRA CD for $75k or >

Thanks Silk McCue! We will talk to the main branch manager at Achieva tomorrow. Hopefully they can resolve the issue directly but if not, I will definitely use your suggestion. I think my Wife got too excited over the great rate (when filling out the membership application) and now she's frustrated...
by Visitor
Mon Aug 13, 2018 7:04 pm
Forum: Investing - Theory, News & General
Topic: Achieva offers 4.2% 5 year IRA CD for $75k or >
Replies: 32
Views: 6030

Re: Achieva offers 4.2% 5 year IRA CD for $75k or >

Thanks Silk McCue! We will talk to the main branch manager at Achieva tomorrow. Hopefully they can resolve the issue directly but if not, I will definitely use your suggestion. I think my Wife got too excited over the great rate (when filling out the membership application) and now she's frustrated ...
by Visitor
Mon Aug 13, 2018 1:11 pm
Forum: Investing - Theory, News & General
Topic: Achieva offers 4.2% 5 year IRA CD for $75k or >
Replies: 32
Views: 6030

Re: Achieva offers 4.2% 5 year IRA CD for $75k or >

Hoping someone can help me here: My wife submitted the membership application for the 4.2 CD percent. We were told by a Rep the application fell through because she answered a security question incorrectly. We've tried to resubmit the application but it the system doesn't take us back through the se...
by Visitor
Wed Mar 21, 2018 10:03 pm
Forum: Investing - Help with Personal Investments
Topic: What am I missing? Roth CD investment question
Replies: 7
Views: 893

Re: What am I missing? Roth CD investment question

Mhadden1, it's good to know I'm not the only one out there who also likes the idea of having a stable floor of FI.
Just like yourself, I prefer most of my risk in equities.

Thanks to everyone who replied.

4 percent is a nice rate right now. I'd feel really good if it was 5 percent though.
by Visitor
Tue Mar 20, 2018 10:32 pm
Forum: Investing - Help with Personal Investments
Topic: What am I missing? Roth CD investment question
Replies: 7
Views: 893

What am I missing? Roth CD investment question

Please help me out here and tell me what I'm missing. My spouse and I are in our early to mid 50's. A good chunk of our retirement assets are in Roth IRA accounts primarily because we rolled our traditional IRA into Roth accounts 5-6 few years ago. We are in the process of moving 20 percent of our a...
by Visitor
Fri Mar 09, 2018 7:47 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 91
Views: 13775

Re: Sharonview FCU 64 month CD - 4%

The promo is no longer on their website. My application is in limbo, so not sure if I made the cut. The rep I spoke with this morning didn't say they'd guarantee the rate since my app hasn't been approved yet. Several Reps told me, if you went through the online process of setting up an account and...
by Visitor
Tue May 02, 2017 2:56 am
Forum: Investing - Theory, News & General
Topic: Are we all forgetting our taxable accounts?
Replies: 79
Views: 12840

Re: Are we all forgetting our taxable accounts?

Glad to read this response. That's how I'm thinking. Obviously retirement is a huge part of my savings, but a nice 1/3 invested in taxable will really be a nice surprise in my 40's and 50's. You may like that response because it confirms your thinking, but I think it's dead wrong at $5,000 per year...
by Visitor
Sun Mar 26, 2017 1:55 pm
Forum: Investing - Theory, News & General
Topic: Blog on emerging Markets, and investors underweighting them
Replies: 103
Views: 27328

Re: Blog on emerging Markets, and investors underweighting them

Interesting comments regarding different options for investing in Emerging Markets accounts (reading different threads). I've been investigating some of these funds and see the ER's are a much higher cost than the Vanguard Admiral Shares Index Fund. Can anyone give me a compelling reason as to why I...
by Visitor
Fri Mar 17, 2017 1:02 am
Forum: Investing - Theory, News & General
Topic: Anyone else taking less risk
Replies: 115
Views: 13215

Re: Anyone else taking less risk

I agree with the OP and have recently moved from 80/20 to 60/40. I've been 80/20 most of my accumulation years. I have a meeting setup with a Vanguard Financial Adviser to assess where we are. I'm trying to decide if we are going to stick with 60/40 or move to 70/30. I'd like to have a little more e...
by Visitor
Fri Mar 03, 2017 5:56 pm
Forum: Investing - Theory, News & General
Topic: Vanguard and bond recomendations
Replies: 18
Views: 2571

Re: Vanguard and bond recomendations

Not to derail OP's inquiry but, shouldn't majority of investors out there, invest in Vanguard's bond guideline of subtracting your age from 110 to determine amount of bond exposure regardless of market conditions?

Do Bogleheads adhere to this recommendation or is it generally ignored?
by Visitor
Wed Mar 01, 2017 5:38 pm
Forum: Investing - Theory, News & General
Topic: Market up but VTSAX down???
Replies: 21
Views: 2841

Re: Market up but VTSAX down???

LateStarter1975 wrote:
Taylor Larimore wrote:
vitaflo wrote:I almost always check my funds at 6:30pm Eastern ...
vitaflo:

Why do you check so often?

Thank you and best wishes.
Taylor
+1. I knew that comment will attract Taylor's attention, lol.
+2. The older Taylor gets, the faster he is in checking out all the threads in this forum. :wink:
by Visitor
Wed Jan 25, 2017 10:50 pm
Forum: Investing - Theory, News & General
Topic: A Special Vanguard Fund
Replies: 17
Views: 3093

Re: A Special Vanguard Fund

Happy Birthday Taylor! Wishing you many more! Thank you for sharing your knowledge and wisdom with the rest of us and personally helping me to achieve financial wealth over the years. I will guess the Total Stock Market Fund but the S&P 500 fund has identical returns. So if your in either fund you'v...
by Visitor
Thu Aug 18, 2016 10:29 pm
Forum: Investing - Theory, News & General
Topic: Growth, Value or Both?
Replies: 19
Views: 2073

Re: Growth, Value or Both?

Do we have data that far back for mid-cap value? If so, please show it. Please check the chart from Fidelity in the attached link [covering only from 1990 to 2015, good enough for government work] . Comparing the results of value and growth stock market indexes Good luck with your investments. Than...
by Visitor
Thu Aug 18, 2016 9:41 pm
Forum: Investing - Theory, News & General
Topic: Growth, Value or Both?
Replies: 19
Views: 2073

Re: Growth, Value or Both?

Do we have data that far back for mid-cap value? If so, please show it.
by Visitor
Sat Aug 06, 2016 4:56 pm
Forum: Investing - Theory, News & General
Topic: Midcaps
Replies: 8
Views: 1236

Re: Midcaps

I'll have to look through the "Mel's unloved midcaps" but doesn't the literature (Fama/French, etc.) show that risk premiums are to be found in small and value (not midcap or growth)? I thought the research showed small caps beating large caps and value beating growth over time. I don't remember an...
by Visitor
Sat Aug 06, 2016 2:44 pm
Forum: Investing - Theory, News & General
Topic: Midcaps
Replies: 8
Views: 1236

Re: Midcaps

Thank you Nisiprius for your response. I always thought you had to have a premium account or be a registered paid user to access that info on Morningstar. According to Morningstar the midcap blend fund holds some large cap stocks within it? I didn't know that. The funds cap weight is 26-value, 27-bl...
by Visitor
Sat Aug 06, 2016 2:25 pm
Forum: Investing - Theory, News & General
Topic: Midcaps
Replies: 8
Views: 1236

Midcaps

I'm curious to know how many of you overweight midcaps? I remember reading a post about Mel's unloved midcaps back in the day that some of you do overweight in that asset class, calling it the "sweet spot" and was wondering if that's still the case? Do you use primarily the midcap blend index fund o...
by Visitor
Fri Jun 24, 2016 1:08 pm
Forum: Investing - Theory, News & General
Topic: International stocks in free fall
Replies: 151
Views: 20001

Re: International stocks in free fall

stemikger wrote:I might rebalance, but other than that, not much.

I'm glad I listened to Jack all these years ago. I never invested in international and this won't change things.
I don't understand your sentiment here. Aren't U.S. stocks getting hammered too?
by Visitor
Sun Jun 05, 2016 6:08 pm
Forum: Investing - Theory, News & General
Topic: Biggest investing myths
Replies: 39
Views: 4690

Re: Biggest investing myths

livesoft wrote:Market timing always loses money.
While I doubt they "always" lose money, is it to your benefit to market time?

And if you are successful, was it through luck or skill?

I wonder what the percentage of successful market timers actually is.
by Visitor
Thu Jun 02, 2016 5:38 pm
Forum: Investing - Theory, News & General
Topic: Argument for and against holding international fund
Replies: 18
Views: 2578

Re: Argument for and against holding international fund

For proper diversification, the left half of my brain tells me I should hold 30% - 40% in foreign. The right side of my brain would be more comfortable with 0%. I just decided to split the difference and set my stock allocation at 15% ACWI ex US. This hasn't been a winning strategy over the past se...
by Visitor
Tue May 31, 2016 5:02 pm
Forum: Investing - Theory, News & General
Topic: guaranteed 5% vs stocks?
Replies: 213
Views: 36361

Re: guaranteed 5% vs stocks?

Kevin shouldn't be blamed totally, because like him, I was skeptical and too blamed lazy to apply for these deals. I just ordered my Netspend cards two weeks ago and BAM--Secret service, FBI, patriot act, terrorist alert protocols kick off sounding red alerts. Heck I just saw a picture of myself on ...
by Visitor
Thu May 05, 2016 9:02 pm
Forum: Investing - Theory, News & General
Topic: "Fund Fees Predict Future Success or Failure"
Replies: 7
Views: 1073

Re: "Fund Fees Predict Future Success or Failure"

I for one really enjoy reading Nisiprius posts as well.

He generally offers insightful thought provoking comments and information we all benefit from.

Thank you to both Taylor and Nisiprius.
by Visitor
Sun Apr 24, 2016 6:26 pm
Forum: Investing - Theory, News & General
Topic: International Dividend Funds
Replies: 14
Views: 2036

Re: International Dividend Funds

Thanks to all of you for replying. I'm looking for something that provides international diversification but with less risk and hopefully zigs when other stocks zag. How do you feel about international bonds? I've read on here that most do not believe they are an asset class that's worth the risk bu...
by Visitor
Sun Apr 24, 2016 3:23 pm
Forum: Investing - Theory, News & General
Topic: International Dividend Funds
Replies: 14
Views: 2036

Re: International Dividend Funds

Sorry I should have added, all of these holdings are in Roth IRA accounts.

Thanks!
by Visitor
Sun Apr 24, 2016 3:16 pm
Forum: Investing - Theory, News & General
Topic: International Dividend Funds
Replies: 14
Views: 2036

International Dividend Funds

Has anyone chosen to invest in the Vanguard International Dividend Appreciation Index Fund or Vanguard International High Dividend Yield Index Fund? Could these funds help lower risk in bear markets because of the dividend component? Would you consider adding these funds as a compliment the Vanguard...
by Visitor
Wed Apr 20, 2016 1:47 am
Forum: Investing - Theory, News & General
Topic: Morningstar video: Make a Lean, Mean, Tax-Efficient Machine
Replies: 4
Views: 935

Re: Morningstar video: Make a Lean, Mean, Tax-Efficient Machine

Thank you Grabiner!

I see you posted the same link.

Very informative and should not be overlooked!
by Visitor
Mon Apr 18, 2016 10:56 pm
Forum: Investing - Theory, News & General
Topic: Morningstar video: Make a Lean, Mean, Tax-Efficient Machine
Replies: 4
Views: 935

Re: "Create a Lean, Mean Tax-Efficient Machine"

Thank you Taylor.

As usual your contributions to this forum are superb.

Tax efficiency is an underrated area in investing that could leave you with a diminished bottom line; when all is said and done if you're not careful.

Most appreciated!
by Visitor
Wed Apr 06, 2016 12:13 am
Forum: Investing - Theory, News & General
Topic: Mr. Bogle and Global Corruption Crackdown
Replies: 32
Views: 5455

Re: Mr. Bogle and Global Corruption Crackdown

Thanks to EVERYONE who provided feedback to this thread.

Most appreciated.

I'm in the process of looking over all of the info provided. :wink:
by Visitor
Wed Apr 06, 2016 12:11 am
Forum: Investing - Theory, News & General
Topic: Mr. Bogle and Global Corruption Crackdown
Replies: 32
Views: 5455

Re: Mr. Bogle and Global Corruption Crackdown

Thank you Ruralavalon!
by Visitor
Sun Apr 03, 2016 12:55 am
Forum: Investing - Theory, News & General
Topic: Mr. Bogle and Global Corruption Crackdown
Replies: 32
Views: 5455

Re: Mr. Bogle and Global Corruption Crackdown

Thanks Aloha Joe, I'll check out the article!
by Visitor
Sat Apr 02, 2016 9:36 pm
Forum: Investing - Theory, News & General
Topic: Mr. Bogle and Global Corruption Crackdown
Replies: 32
Views: 5455

Re: Mr. Bogle and Global Corruption Crackdown

Thanks everyone for your replies. It seems that most experts recommend a minimum of 20 percent invested overseas (I have 22 percent). Can anyone tell me how the experts came up with that number and how does it make a real difference if someone like myself still has 78-80 percent of my money invested...
by Visitor
Fri Apr 01, 2016 4:56 pm
Forum: Investing - Theory, News & General
Topic: Mr. Bogle and Global Corruption Crackdown
Replies: 32
Views: 5455

Mr. Bogle and Global Corruption Crackdown

Mr. Bogle recommends not investing in foreign markets because: (1) He doesn't envision the world economies outpacing the U.S. in terms of investment return in the future. Mr. Bogle stated the U.S. is the most innovative and entrepreneurial country in the world. (2) If you own the S&P 500 (SPY), you ...
by Visitor
Thu Mar 24, 2016 11:05 am
Forum: Investing - Theory, News & General
Topic: Can you be a Boglehead and not hold international equity?
Replies: 38
Views: 4453

Re: Can you be a Boglehead and not hold international equity?

I only ask this simple question:

How can you be considered to be broadly diversified when you are limited to the U.S. domestic market?

Especially given the fact the U.S. is composed of less than half of global markets?
by Visitor
Sun Mar 20, 2016 8:29 pm
Forum: Investing - Theory, News & General
Topic: What bond funds do you use, and why?
Replies: 55
Views: 6301

Re: Total Bond Market Index Fund

tc101: We have owned Vanguard Total Bond Market Index Funds (VBTLX) in an IRA for over 20 years. Why? Because it is very high-quality, very diversified (the only free lunch in investing), very low cost, and allows 1-fund bond investing for simplicity. Total Bond Market Index Fund is the largest bond...
by Visitor
Tue Mar 15, 2016 8:31 pm
Forum: Investing - Theory, News & General
Topic: Passive (Index) Funds Rule
Replies: 5
Views: 1115

Re: Passive (Index) Funds Rule

Thank you Taylor for all of your contributions to this forum and assisting others to reach their financial dreams. I remember years ago of being an devoted saver but I wanted to learn how to invest my money as safely as possible. I was very afraid of losing my little nest egg because it was all I ha...
by Visitor
Mon Mar 14, 2016 4:50 pm
Forum: Investing - Theory, News & General
Topic: Passive (Index) Funds Rule
Replies: 5
Views: 1115

Passive (Index) Funds Rule

The data proves it. Someone explain it to us. Why use active management when the odds are against you?

http://www.usatoday.com/money/personal-finance/
by Visitor
Fri Feb 26, 2016 3:49 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard announces 3rd round of Expense Ratio reductions]
Replies: 43
Views: 5355

Re: Vanguard announces more ER reductions

Vanguard Total International Stock Index Fund Admiral Shares (VTIAX) has reduced it's basis point from 0.14% to 0.12%. :D
by Visitor
Mon Jan 25, 2016 8:12 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday Taylor!
Replies: 87
Views: 7564

Re: Happy Birthday Taylor!

Happy Birthday Mr. Taylor!

I continue to thank you for your investing wisdom and advice you gave me over ten years ago.

You are a blessing to this forum.

May you have many more birthdays to come and enjoy helping others to help themselves. :sharebeer
by Visitor
Wed Jan 06, 2016 9:32 pm
Forum: Investing - Theory, News & General
Topic: Most Americans are one paycheck away from the street
Replies: 6
Views: 1660

Re: Most Americans are one paycheck away from the street

This makes me feel better knowing how modest my income is and yet how much my investments have grown over the last 23 years.

Most Americans have always and will continue their self destructive behaviors and habits that lead them to financial ruin.

This doesn't surprise me at all.
by Visitor
Sun May 17, 2015 10:20 pm
Forum: Investing - Theory, News & General
Topic: Do you think Ric Edelman is correct, never pay down mortgage
Replies: 407
Views: 75003

Re: Do you think Ric Edelman is correct, never pay down mortgage

I missed most of the conversations within this thread and I'm just now beginning to go through them. However I do have a question: While I realize many of you are very happy you've paid off your mortgage die to the psychological peace of mine, I can see why it's generally not a good idea to pay it o...
by Visitor
Sun May 03, 2015 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Navy Federal Credit Union May Specials
Replies: 4
Views: 1690

Re: Navy Federal Credit Union May Specials

Are military veterans eligible for this deal?
by Visitor
Sat Mar 07, 2015 5:28 pm
Forum: Investing - Theory, News & General
Topic: interest rate increase looming. what you gonna do ?
Replies: 65
Views: 8846

Re: interest rate increase looming. what you gonna do ?

Call the Ghostbusters!!!

Sorry Couldn't help myself.

Do what I've done the entire time I've invested. Buy and Hold. ;)
by Visitor
Fri Feb 07, 2014 10:06 pm
Forum: Investing - Theory, News & General
Topic: Mel's Unloved Mid-Caps for international too?
Replies: 30
Views: 3952

Re: Mel's Unloved Mid-Caps for international too?

Scooter57, Interesting analysis you've provided. However PE ratio for Mid Cap Value is 20.6 with earnings growth rate of 6.3 percent as opposed to Mid Cap Index being 24.7/11.9 as you've stated. What do you make of those numbers? Does it appear Mid Cap Value isn't as "over valued" as Mid Cap Index? ...
by Visitor
Fri Mar 09, 2012 8:15 pm
Forum: Investing - Theory, News & General
Topic: REITs in Small Cap Value gone?
Replies: 2
Views: 461

Re: REITs in Small Cap Value gone?

Thanks I'll take a look!
by Visitor
Fri Mar 09, 2012 7:17 pm
Forum: Investing - Theory, News & General
Topic: REITs in Small Cap Value gone?
Replies: 2
Views: 461

REITs in Small Cap Value gone?

Can someone explain what happened to REITS in the Small Cap Value Fund? It's disappeared and now there's over one-third of its assets in financials?

I invested in this fund only 2 months ago and the fund had (if I remember correctly) had 7-9% in REITS!

What the heck is going on here?
by Visitor
Sat Mar 03, 2012 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: $300 Cashback on New Chase Freedom CC
Replies: 52
Views: 35118

Re: $300 Cashback on New Chase Freedom CC

OK I called and talked to a Chase Rep and was told my card qualifies for the cash back bonus...strange there is no mention in the card agreement info though.

To the poster who asked if the $300 cash back offer is still available, I don't see it being offered right now. Anyone have info on this?
by Visitor
Sat Mar 03, 2012 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: $300 Cashback on New Chase Freedom CC
Replies: 52
Views: 35118

Re: $300 Cashback on New Chase Freedom CC

I applied last week and the offer showed the $300 bonus but received the card today and don't see any mention of the offer in the agreement.

Can someone tell me where the cash back bonus is located? Thanks!
by Visitor
Wed Jan 18, 2012 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Saver's Credit on Federal Taxes
Replies: 20
Views: 3102

Re: Saver's Credit on Federal Taxes

Thanks for the help! I hope I can get the credit, every bit helps.
by Visitor
Wed Jan 18, 2012 1:05 am
Forum: Personal Finance (Not Investing)
Topic: Saver's Credit on Federal Taxes
Replies: 20
Views: 3102

Re: Saver's Credit on Federal Taxes

I'm fuzzy on this even after reading over Pub 590 and Form 8880. My questions are: In regards to distributions taken out that will count against your own contributions, does this mean distributions actually taken out as income, or reinvested distributions to a mutual fund or both? Also I'm pretty su...