Search found 6573 matches

by cherijoh
Thu May 31, 2007 9:01 pm
Forum: Personal Investments
Topic: [poll] 800 lb gorilla in room: how much will you inherit?
Replies: 36
Views: 15041

Re: Inheritance figures

I jsut read that according to an AARP survey, the median inheritance was about $48K in 2002. C some additional googled facts... http://www.banking.com/ABA/feature2_1296.htm - 64,200,000 adults in America are 50 and older. - People 50 and older spend $1 trillion annually on goods and services. - Mat...
by cherijoh
Sun May 27, 2007 11:41 am
Forum: Personal Investments
Topic: [poll] 800 lb gorilla in room: how much will you inherit?
Replies: 36
Views: 15041

After all, i would be hapier if my parents would be less pesimisitc ans spend a bit more . My grandparents were very much like this. Basically anyone who grew up in the 30's and 40's and experienced the great depression and world war II has a much different perspective on life and money issues. Our...
by cherijoh
Sat May 26, 2007 4:46 pm
Forum: Personal Investments
Topic: [poll] 800 lb gorilla in room: how much will you inherit?
Replies: 36
Views: 15041

Inheritance figures

I jsut read that according to an AARP survey, the median inheritance was about $48K in 2002.

C
by cherijoh
Wed May 23, 2007 8:41 pm
Forum: Investing - Theory, News & General
Topic: Your Questions for the Experts
Replies: 44
Views: 20715

Questions for Rick Ferri

1) What characteristics (besides low cost) should one look for when considering an ETF? What characteristics to avoid? (When is your EFT book due out?) 2) When setting up a multiple asset class portfolio, when should you consider skipping an asset class? At some point, adding another sub-class may n...
by cherijoh
Sun May 20, 2007 4:04 pm
Forum: Investing - Theory, News & General
Topic: Subprime Bailout & Gov't Subsidy of Home Ownership
Replies: 44
Views: 18008

Beazer's a bit more than a local home builder. When I was initially looking at information for possible move to the DC Metro area discovered they've got scores of developments in WV, VA, MD, DE, PA. If memory serves correctly they're in 20 or 23 states, including the one I'm relocating to in less t...
by cherijoh
Sun May 20, 2007 12:57 pm
Forum: Personal Investments
Topic: 100% equity works if you only live off dividends?
Replies: 77
Views: 30467

Are you sure that's true? Can you explain his reasoning or copy some of his calculations? Or just copy a passage? Historically 100/0 portfolios have outperformed 85/15 portfolios. Anything that says otherwise is plain wrong. It's not possible to increase returns just by adding an asset allocation w...
by cherijoh
Sat May 19, 2007 8:45 pm
Forum: Investing - Theory, News & General
Topic: Foreign Exchange Risk
Replies: 24
Views: 7709

Hedged funds

Can anyone provide a list of total international stock market funds are available that are hedged? The only fund that I can think of is Tweedy Browne Global Value. It is fully hedged against currency risk. However, it isn't strictly a foreign fund since can invest in the US. The last several years ...
by cherijoh
Fri May 18, 2007 5:51 pm
Forum: Investing - Theory, News & General
Topic: Subprime Bailout & Gov't Subsidy of Home Ownership
Replies: 44
Views: 18008

Re: Subprime Bailout & Gov't Subsidy of Home Ownership

http://biz.yahoo.com/brn/070430/21762.html?.v=1&.pf=personal-finance This is a good article on the sub prime (and possibly soon to be adjustable rate mortgage) mess. If the government subsidizes the risk takers, it will encourage more of the same in the future. I’m not for letting people starve in ...
by cherijoh
Sun May 13, 2007 12:01 pm
Forum: Personal Investments
Topic: Cost basis of fractional shares?
Replies: 16
Views: 7281

For stock, I would not use average cost basis. Every time you purchased stock you have a separate cost basis. When you sell your stock, just identify from which lot it came from and you can readily calculate the cost basis. Keep good records. Livesoft, I thought you had to identify which shares you...
by cherijoh
Sun May 13, 2007 11:43 am
Forum: Personal Investments
Topic: Cost basis of fractional shares?
Replies: 16
Views: 7281

Yes, that looks right

Hi Pam!

Yes, your logic and math look fine.

C
by cherijoh
Fri May 04, 2007 5:46 pm
Forum: Personal Consumer Issues
Topic: Bogleheads Personality Type
Replies: 176
Views: 53192

I was skeptical of the Myers Briggs until...

we did it as a work group exercise. One of my coworkers pegged out one extreme on each of the the 4 categories. (I think this is highly unusual). When we read the description it was eerie how good a personality match it was. I think it is much harder to recognize the type for those who fall closer t...
by cherijoh
Fri May 04, 2007 4:28 pm
Forum: Personal Investments
Topic: I'm helping a friend's widowed mother
Replies: 16
Views: 4858

All the assets should probably get a stepped-up cost basis, so selling now should have little tax consequences. Consult the estate attorney and the tax preparer of the estate for more details. That is going to depend on how the assets were owned. If they were owned jointly then she is only eligible...
by cherijoh
Mon Apr 30, 2007 9:20 pm
Forum: Investing - Theory, News & General
Topic: R-squared, eh?
Replies: 27
Views: 9654

I think funds tend to quote R-squared for a reason--it's numerically smaller. Brad, I hate to burst your bubble, but the use of R-sq is not a conspiracy of the fund companies! :lol: R-sq is the more frequently used statistical term since variances (standard deviation squared) are additive and stand...
by cherijoh
Wed Apr 25, 2007 4:40 pm
Forum: Investing - Theory, News & General
Topic: 401K: Max out early or spread out evenly all year?
Replies: 29
Views: 12679

The employer contributions don't count towards the 15K limit, do they? I think I remember reading that only the employee contributions count. Is that correct? You're correct - employer matching doesn't count towards the 15K limit. There is some other limit (I think 40K) that it does count towards. ...
by cherijoh
Tue Apr 24, 2007 1:07 pm
Forum: Personal Investments
Topic: IRA to be converted in 2010: deductible or non-deductible?
Replies: 13
Views: 3975

Re: 2 thoughts

1. You may not be able to convert to a roth in 2010, so you may not have to worry about it. Laws change and this is probably one of the more likely to change. 2. If in doubt, and if you actually have the choice of making deductible contributions (for 2006???), put half your contributions in each ty...
by cherijoh
Sun Apr 22, 2007 7:53 pm
Forum: Investing - Theory, News & General
Topic: Analysis of relative diversification effects
Replies: 18
Views: 12998

3. REITS did not enhance risk return characteristics. Lower volatility of returns (SD) came at the expense of lower return and a lower Sharpe ratio. Wierd. That doesn't make sense to me unless Trev H's table is wrong: 1972-2006 Correlations, CAGR, Volatility Correlation to:.US Market...500 Index......
by cherijoh
Tue Apr 10, 2007 9:10 pm
Forum: Personal Investments
Topic: Newbie---be patient with me...
Replies: 12
Views: 4534

Mel's response

Mel Lindauer wrote:When you do that, you'll probably find that your total cost basis is less than you think.
Mel, did you mean to say capital gains are less than you think? When you include reinvested dividends and cap gains your cost basis increases not decreases...

C
by cherijoh
Sat Apr 07, 2007 7:50 pm
Forum: Forum Issues and Administration
Topic: Quote feature
Replies: 12
Views: 5497

Re: Quote feature

tokyoleone wrote:Can anybody explain how to use the "quote" feature when posting? Can't seem to figure it out. Thanks.
I think you just click on the message you want to reply to and it opens a response and preloads the selected message.
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by cherijoh
Sat Apr 07, 2007 7:46 pm
Forum: Investing - Theory, News & General
Topic: % assets in retirement vs. non-retirement accounts?
Replies: 34
Views: 7783

I'm 60% tax deferred, 40% taxable. It used to be higher, but I received an inheritance that increased taxable account substantially.

C
by cherijoh
Thu Mar 01, 2007 7:57 pm
Forum: Personal Investments
Topic: New Boglehead with IRA Question
Replies: 20
Views: 9876

Ryan

One thing you need to be aware of. Even if you do not contribute to your 401-k, its very existence will limit your ability to make deductible contributions to a Traditional IRA. I'm guessing that your income will exceed the AGI limits to make a deductible contribution. You can always make non-deduct...
by cherijoh
Tue Feb 27, 2007 4:50 pm
Forum: Personal Investments
Topic: Mortgage prepayment: how much and why?
Replies: 40
Views: 23547

refinanced twice for shorter terms

I bought my current house almost 15 years ago. At the time I was planning to retire in 2013 (21 years later). My condo hadn't sold, so I decided to rent it out for a while. A 15-yr mortgage would have been a stretch if I was without a tenant in the condo for any length of time. So I went with a 30 y...
by cherijoh
Mon Feb 26, 2007 5:50 pm
Forum: Personal Investments
Topic: Any suggestions on my 401k choices?
Replies: 17
Views: 6947

Random Musings - Potential Downside to Rollover

If you are thinking about putting money into a non-deductible IRA then converting to a Roth when the new new tax law goes into effect, you need to be aware of one twist. For the purposes of converting to a ROTH, all IRAs are considered to be coming from the same pool. So compare these two scenarios:...
by cherijoh
Mon Feb 26, 2007 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: IE Browser Spell Checker
Replies: 3
Views: 3240

Spellcheck in IE

Spell check is included in the Google toolbar which is an option with the new version.

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