Search found 435 matches

by boglephreak
Tue Dec 13, 2016 4:47 pm
Forum: Investing - Theory, News & General
Topic: Silver market was allegedly fixed
Replies: 11
Views: 1861

Re: Silver market was allegedly fixed

no idea whether any of this is true or not, but thats a horribly written article that appears results oriented to decry wall street, and relying upon a civil complaint's allegations to prove a point is like asking the wolf what he is doing in the hen house.
by boglephreak
Tue Dec 13, 2016 12:30 am
Forum: Investing - Theory, News & General
Topic: DOW [Will the DOW hit 20,000 before the end of the year?]
Replies: 44
Views: 6362

Re: DOW

well, its almost there.
by boglephreak
Mon Dec 12, 2016 10:42 pm
Forum: Investing - Theory, News & General
Topic: Edward Jones Annuity Review - Tips before I begin
Replies: 16
Views: 3518

Re: Edward Jones Annuity Review - Tips before I begin

well, the first question is whether he has annuitized the annuity. if so, my understanding is that there is basically nothing you can do about it. if not, the next question is whether he should stay in or get out of the annuity. i looked at my mom's annuities, and two were good for staying in, and o...
by boglephreak
Mon Dec 12, 2016 12:54 pm
Forum: Investing - Theory, News & General
Topic: 3 Fund - should it be more diversified?
Replies: 28
Views: 4257

Re: 3 Fund - should it be more diversified?

something to consider: - Small Cap Value - REITs - International Bonds - TIPS I am currently looking at SCV and determining whether I want to do it, but have not decided. I do not like REITs and wont go there (I currently have a lot of my net worth in rental properties). keep in mind that total U.S....
by boglephreak
Sat Dec 10, 2016 3:42 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Estimated Year End Distributions
Replies: 37
Views: 4847

Re: Vanguard Estimated Year End Distributions

so, first time doing this as i have never had a taxable account before this year. for Total Int'l Stock Market (Admiral), if I have 1000 shares, i will receive a dividend of $200, 70% of which will be taxed at the capital gains rate, and 30% of which will be taxed at my normal income rate (which is...
by boglephreak
Sat Dec 10, 2016 1:25 am
Forum: Investing - Theory, News & General
Topic: Vanguard Estimated Year End Distributions
Replies: 37
Views: 4847

Re: Vanguard Estimated Year End Distributions

so, first time doing this as i have never had a taxable account before this year. for Total Int'l Stock Market (Admiral), if I have 1000 shares, i will receive a dividend of $200, 70% of which will be taxed at the capital gains rate, and 30% of which will be taxed at my normal income rate (which is ...
by boglephreak
Fri Dec 09, 2016 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Debt Collection question
Replies: 20
Views: 2591

Re: Debt Collection question

Father-in-law did not have a will. Daughters have become surrogates since his passing. They have closed his bank accounts and all. But now have discovered that he had some credit card debt. Some $4,000. Wondering how to go about handling this. http://www.creditcards.com/credit-card-news/credit-card...
by boglephreak
Fri Dec 09, 2016 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Calculating Capital Gains on Sale of Investment Property (California)
Replies: 5
Views: 723

Re: Calculating Capital Gains on Sale of Investment Property (California)

1. Are you going to pay AMT? Tax rates are different once you start paying AMT. 2. If it were me, I would have a CPA do my taxes so I don't miss any possible deductions: closing costs, costs to fix place up, miscellaneous costs, etc. Couple hundred $$, might be money well spent. 3. You may be in or...
by boglephreak
Fri Dec 09, 2016 5:21 pm
Forum: Investing - Theory, News & General
Topic: Do you think Slice and Dice makes it harder to stay the course?
Replies: 40
Views: 3311

Re: Do you think Slice and Dice makes it harder to stay the course?

all the convincing threads on slice and dice certainly make it harder to stay the course on my three-fund portfolio.
by boglephreak
Fri Dec 09, 2016 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Calculating Capital Gains on Sale of Investment Property (California)
Replies: 5
Views: 723

Calculating Capital Gains on Sale of Investment Property (California)

I am currently in contract to sell an investment property located in California. The property has appreciated significantly, and I am attempting to determine my capital gains tax. I have two questions I am hoping someone can help me with: 1. Is my calculation (below) correct? 2. How do I pay the tax...
by boglephreak
Fri Dec 09, 2016 3:10 pm
Forum: Investing - Theory, News & General
Topic: Explain why Rebalancing isn't Market Timing?
Replies: 241
Views: 13987

Re: Explain why Rebalancing isn't Market Timing?

You can easily achieve this by rebalancing more frequently without being a market timer. . . . I agree with having a set tolerance. I don't agree with rebalancing when it leaves the bounds, and I do think that is market timing as you are being market reactive. If you rebalance on a set schedule, fo...
by boglephreak
Fri Dec 09, 2016 2:27 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Announces Short-Term Trading Fee Removal
Replies: 26
Views: 7106

Re: Fidelity Announces Short-Term Trading Fee Removal

isnt the purpose of this fee to protect buy and hold investors from costs incurred due to frequent trades? i hold two of those index funds so its somewhat relevant to me, although i am not terribly concerned about it.
by boglephreak
Fri Dec 09, 2016 12:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's new "account overview" page... BOO!
Replies: 105
Views: 15780

Re: Vanguard's new "account overview" page... BOO!

My "account overview" page is the same size as it has always been. I do note that on the right side of the page, near the top, there is a choice of three different font sizes. If your font is too large, perhaps you can select a smaller one. +1 :beer I was ready to post a :oops: and +2 except that I...
by boglephreak
Fri Dec 09, 2016 12:43 pm
Forum: Investing - Theory, News & General
Topic: Explain why Rebalancing isn't Market Timing?
Replies: 241
Views: 13987

Re: Explain why Rebalancing isn't Market Timing?

IMHO making the choice to not re-balance is by your logic likewise market timing. Perhaps eating lobster instead of a hamburger is market timing too, as is buying a car. By the argument here, you are engaging in market timing continuously by purchasing a Vanguard LifeStrategy fund and holding it fo...
by boglephreak
Thu Dec 08, 2016 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Debt Collection question
Replies: 20
Views: 2591

Re: Debt Collection question

My fiancée's late father had some outstanding debts. Is it our responsibility to contact the debt collectors and let them know he passed? Will we have to settle the balance for him? Or they'll let it go? Or should we just ignore it? Thank you. pretty open ended question that may depend on specific ...
by boglephreak
Thu Dec 08, 2016 6:17 pm
Forum: Investing - Theory, News & General
Topic: Explain why Rebalancing isn't Market Timing?
Replies: 241
Views: 13987

Re: Re:

snip.
by boglephreak
Thu Dec 08, 2016 5:53 pm
Forum: Investing - Theory, News & General
Topic: Explain why Rebalancing isn't Market Timing?
Replies: 241
Views: 13987

Re: Re:

In both cases, when the market goes up you sell and when it goes down you buy. except thats not always the case for rebalancing. assume 100% stock, 75% TSM/25% SCV. the market crashes, and SCV gets hit significantly harder than TSM. because it went down more for SCV, I have to sell TSM in order to ...
by boglephreak
Thu Dec 08, 2016 4:00 pm
Forum: Investing - Theory, News & General
Topic: Explain why Rebalancing isn't Market Timing?
Replies: 241
Views: 13987

Re: Explain why Rebalancing isn't Market Timing?

...rebalancing is not based on forward thinking/prediction... I can't quite agree with that. Or rather, I agree that the actual act of rebalancing is not based on consciously making a prediction. However, the belief that rebalancing helps --that it does more than just hold portfolio volatility stea...
by boglephreak
Thu Dec 08, 2016 2:32 pm
Forum: Investing - Theory, News & General
Topic: Explain why Rebalancing isn't Market Timing?
Replies: 241
Views: 13987

Re: Explain why Rebalancing isn't Market Timing?

By buying and selling in reaction to movements in your allocation band, you are buying and selling in reaction to sentiment, which is inherently forward thinking / predictive. Therefore, market timing. rebalancing is not based on forward thinking/prediction. its based on where your holdings are cur...
by boglephreak
Thu Dec 08, 2016 1:35 pm
Forum: Investing - Theory, News & General
Topic: Explain why Rebalancing isn't Market Timing?
Replies: 241
Views: 13987

Re: Explain why Rebalancing isn't Market Timing?

rebalancing is bringing your portfolio back within your risk tolerance once it has moved too far from your IPS' asset allocation. your risk tolerance is determined beforehand, not at the time you do the rebalancing. market timing is an attempt to maximize gain by reducing your holdings when you expe...
by boglephreak
Thu Dec 08, 2016 12:06 am
Forum: Investing - Theory, News & General
Topic: article of interest regarding Vanguard as a monopoly
Replies: 27
Views: 3796

Re: article of interest regarding Vanguard as a monopoly

One huge, and probably insurmountable problem: The Federal government equivalent of a 401k, the TSP, consists of index funds (S&P 500, completion index, EAFE, aggregate bond) which are managed by...Blackrock. So if you bring a lawsuit, how are you going to find a federal judge or regulator who does...
by boglephreak
Wed Dec 07, 2016 8:58 pm
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 335
Views: 72327

Re: Retreat to cash

Did you read my message? He called the top and bottom of the 2000 crash. I don't care what he does ever again. That one call was absolutely huge. I do listen to him as a sanity check though and I think he has sound principles. im curious what about my post gave you the impression that i didnt read ...
by boglephreak
Wed Dec 07, 2016 7:25 pm
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 335
Views: 72327

Re: Retreat to cash

I've never posted here but I understand and value BH principles. I also pay attention to Bob Brinker who correctly predicted the 2000 correction. I detected that he was close to calling a top and got out several months before he made his call. I then got back in at the bottom in 2003 which Brinker ...
by boglephreak
Tue Dec 06, 2016 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: DW going back to work full-time - need advice
Replies: 12
Views: 1204

Re: DW going back to work full-time - need advice

my wife and i both work full-time (we dont have kids) and oftentimes more than 50 hours a week, not including commute. we have a gardener who comes every week ($120/mo), and a house cleaner who comes every other month ($125 each time). money well spent. we dont have kids though and keep the house ti...
by boglephreak
Mon Dec 05, 2016 4:27 pm
Forum: Investing - Theory, News & General
Topic: What you should know before you do factor investing
Replies: 18
Views: 2220

Re: What you should know before you do factor investing

when people say "underperform" for factor investing, are they referring to (1) compared to another fund (e.g., total U.S. market or S&P 500); (2) are negative year to date; or (3) some combination of both? behaviorally, i think i could handle (1) as long as it was still making money (above inflation...
by boglephreak
Sun Dec 04, 2016 12:31 am
Forum: Investing - Theory, News & General
Topic: P2P Lending Dead
Replies: 54
Views: 9861

Re: P2P Lending Dead

i've always thought of p2p lending as very high risk, so seeing someone like larryswedroe championing it makes me think i have jumped to an improper conclusion. would love to see that white paper. although, i would probably not understand it. =(
by boglephreak
Fri Dec 02, 2016 2:09 pm
Forum: Investing - Theory, News & General
Topic: What percentage of international do you hold?
Replies: 127
Views: 10527

Re: What percentage of international do you hold?

I'm at 30% of stocks, based on a trade-off between minimum volatility and maximum return from this chart in the Wiki : https://www.bogleheads.org/w/images/1/11/US-International.png Recommendations here range from 0% from John Bogle to 51% by market cap. Here's a recent thread: Why not use Global Ma...
by boglephreak
Thu Dec 01, 2016 3:20 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman challenges John Bogle
Replies: 157
Views: 18882

Re: Paul Merriman challenges John Bogle

I am always impressed with the thoughtful and intelligent discussions on this forum. I think three things are worth keeping in mind in the ever on-going debate about the small cap premium: First, and more importantly, it was impossible to have captured the identified historical outperformance of sm...
by boglephreak
Wed Nov 30, 2016 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating from NY to CA for a job offer
Replies: 51
Views: 6796

Re: Relocating from NY to CA for a job offer

^The homes were I lived on LI are now selling for about $350 to $500 per square foot, so I guess that is one-third to one-half the $1000/sq ft you noted. What is special about them? Walk to beach? Water view? Much larger lot? Give me a ZIP code please. And don't forget about property taxes. Ouch! I...
by boglephreak
Wed Nov 30, 2016 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Does your employer pay for continuing education?
Replies: 27
Views: 2815

Re: Does your employer pay for continuing education?

my employer pays for continuing legal education that is mandatory for the state bar. i think this is standard practice for law firms though. they have also paid for seminars related to my specific type of legal work when i requested, and admission to various lawyer related groups (which is primarily...
by boglephreak
Wed Nov 30, 2016 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Landlord for first time - tips and things to know?
Replies: 44
Views: 6330

Re: Landlord for first time - tips and things to know?

does transunion smart move send the bill to the prospective tenant? i used a background checker awhile back and it billed the prospective tenant, not me. just checking if this is the same.
by boglephreak
Wed Nov 30, 2016 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Landlord for first time - tips and things to know?
Replies: 44
Views: 6330

Re: Landlord for first time - tips and things to know?

some good advice in here. three things i will harp on: (1) screen your renters and dont do anyone any favors; (2) make sure you have a strong lease; i use the California Association of Realtor Forms (link below) and you should see if there is something similar for your area; and (3) umbrella insuran...
by boglephreak
Wed Nov 30, 2016 12:18 pm
Forum: Investing - Theory, News & General
Topic: Are stocks over bought as of late?
Replies: 17
Views: 2483

Re: Are stocks over bought as of late?

"We've had such a run and the market is very overbought," said Cramer, portfolio manager of the Action Alerts PLUS Charitable Trust, in an interview at the New York Stock Exchange on Wednesday. he said that when the S&P was at 2152 in July 2015, its now at 2200. what does that mean to you? I actual...
by boglephreak
Tue Nov 29, 2016 5:14 pm
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 335
Views: 72327

Re: Retreat to cash

The question that no one has answered is why should marge-g be able to predict the market direction, when literally no one else really can, including all the people who invest professionally, over decades of history? (If someone can, contact me, I will gladly pay them!) i just think its convenient ...
by boglephreak
Tue Nov 29, 2016 4:59 pm
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 335
Views: 72327

Re: Retreat to cash

i just think its convenient that whether his/her investment strategy succeeds or not, people will say he/she was wrong. which may be the case, but too often we hear the same mantras shouted over and over with no real discussion. It's not convenient, it's correct. If someone bets all their money on ...
by boglephreak
Tue Nov 29, 2016 2:23 pm
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 335
Views: 72327

Re: Retreat to cash

edit: the reason why i write this is because i think i can predict the responses to your results in a year's time. if you successfully time, people will say dumb luck. if you dont, people will say "see, dont market time." but are those really the appropriate responses? Why not? The question that no...
by boglephreak
Mon Nov 28, 2016 10:22 pm
Forum: Investing - Theory, News & General
Topic: Are stocks over bought as of late?
Replies: 17
Views: 2483

Re: Are stocks over bought as of late?

"We've had such a run and the market is very overbought," said Cramer, portfolio manager of the Action Alerts PLUS Charitable Trust, in an interview at the New York Stock Exchange on Wednesday.
he said that when the S&P was at 2152 in July 2015, its now at 2200. what does that mean to you?
by boglephreak
Mon Nov 28, 2016 3:54 pm
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 335
Views: 72327

Re: Retreat to cash

28-Nov-2016 1500 UTC Well, let's see what happens. Unconvinced by the feedback here, I've decided to get out of the market for a while. this should make for an interesting lesson for others, but i am not really sure what lessons to learn. ** if the market goes up, and you lose X%. does that mean yo...
by boglephreak
Mon Nov 28, 2016 1:08 pm
Forum: Investing - Theory, News & General
Topic: What do your allocation numbers look like?
Replies: 14
Views: 2224

Re: What do your allocation numbers look like?

my spreadsheet has five columns (account, total US, total int'l, bond and total), and six rows (two 401ks, two Roth IRAs, taxable, and total). (technically, my 401k is split S&P500/extended market, but i rebalance within the 401k.) thats all the complexity i need in my life. it fits on one page in e...
by boglephreak
Wed Nov 23, 2016 4:37 pm
Forum: Investing - Theory, News & General
Topic: Recommended Reading for Children?
Replies: 10
Views: 1526

Re: Recommended Reading for Children?

I appreciate your enthusiasm but I really think she's too young for the IRA/investment talk. I'd focus on learning to handle money, live below her means, delayed gratification, savings accounts etc. If you do too much too soon you run the risk of overwhelming her and thinking about retirement is WA...
by boglephreak
Wed Nov 23, 2016 3:33 pm
Forum: Investing - Theory, News & General
Topic: Recommended Reading for Children?
Replies: 10
Views: 1526

Re: Recommended Reading for Children?

i think teaching kids good decision making when it comes to money is a good thing (especially early on), but i think teaching kids investing at 12 and 9 is way too early (and opening an IRA account baffles my mind). i think it would be better for them to learn the value of money and be able to spend...
by boglephreak
Wed Nov 23, 2016 2:16 pm
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 335
Views: 72327

Re: Retreat to cash

I probably started this thread with a poor title and overly wordy note, leading to many tangents. Market timing is not my question. Nor is the question of whether the new government will prove good or bad for the US markets. Nor is portfolio balancing. (Tax implications of a large sell was an inter...
by boglephreak
Tue Nov 22, 2016 1:06 pm
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 335
Views: 72327

Re: Retreat to cash

people have already addressed the market timing issue. what i would like to know is why one year? [OT comment removed by moderator prudent]
by boglephreak
Mon Nov 21, 2016 6:25 pm
Forum: Investing - Theory, News & General
Topic: "Motley Fool" Interview
Replies: 10
Views: 2505

Re: "Motley Fool" Interview

good interview. i had one question though, as you seemed down on rebalancing, which i thought was a good habit of all successful investors (and not controversial at all). was wondering if you mind explaining, and whether you have changed your mind since 2009. RB: What's your take on portfolio rebal...
by boglephreak
Mon Nov 21, 2016 4:37 pm
Forum: Investing - Theory, News & General
Topic: "Motley Fool" Interview
Replies: 10
Views: 2505

Re: "Motley Fool" Interview

good interview. i had one question though, as you seemed down on rebalancing, which i thought was a good habit of all successful investors (and not controversial at all). was wondering if you mind explaining, and whether you have changed your mind since 2009. RB: What's your take on portfolio rebala...
by boglephreak
Mon Nov 21, 2016 1:14 pm
Forum: Investing - Theory, News & General
Topic: Is it responsible to buy tens of thousands of dollars of a fund at once?
Replies: 35
Views: 5562

Re: Is it responsible to buy tens of thousands of dollars of a fund at once?

when i first started the boglehead approach in the beginning of 2016, i fretted about this same issue. i eventually just lumpsummed it into a fund. as i sit here today (with perfect hindsight), i dont know whether that increased or decreased my investment as opposed to dollar cost averaging, and, ho...
by boglephreak
Sun Nov 20, 2016 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Do you track your net worth? How long have you done so?
Replies: 110
Views: 14605

Re: Do you track your net worth? How long have you done so?

nope. i track my investments though for rebalancing purposes, and i imagine it wouldnt be that hard to add value of rental properties and home, but i dont see the point.
by boglephreak
Fri Nov 18, 2016 7:57 pm
Forum: Investing - Theory, News & General
Topic: Jonathan Clements Words of Wisdom
Replies: 12
Views: 4488

Re: Jonathan Clements Words of Wisdon

i wasnt sure what to do after reading the title....
by boglephreak
Fri Nov 18, 2016 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Considerations - - Investment property
Replies: 2
Views: 573

Re: Tax Considerations - - Investment property

Hello, My wife and I are in healthcare and both of us are earning an equal salary, so our income is in the top tax rate 39.6%. Both of us are employed and are paid W-2. I do the usual 401k/457 investments and we own a home which is under our name. I recently bought an investment property for my par...