Search found 1265 matches

by sometimesinvestor
Fri Jun 24, 2016 7:06 pm
Forum: Investing - Theory, News & General
Topic: Another Brexit question
Replies: 15
Views: 4042

Re: Another Brexit question

The US is probablya better place to invest at this time but probably does not mean certainly. I would do nothing for two weeks and then decide if you are comfortable with the then asset allocation. If not I would suggest an additional investment in US stocks using bonds as a fund source. If you are ...
by sometimesinvestor
Fri Jun 24, 2016 6:59 pm
Forum: Personal Investments
Topic: NY 529 plan investments as college looms
Replies: 4
Views: 775

Re: NY 529 plan investments as college looms

It was 18% but obviously investing at that point is not a sure thing plus the market may not drop that low or may go even lower. Inflation protected bonds provide greater returns when inflation increases and inflation usually results in higher interest rates and lower ordinary bond prices. Here isa ...
by sometimesinvestor
Thu Jun 23, 2016 2:04 pm
Forum: Personal Investments
Topic: Stop playing the game in steps
Replies: 13
Views: 1801

Re: Stop playing the game in steps

In my opinion its too optimistic. The Retirement portion is probably ok (I don't know your age ) but both college and the purchase of a new home are probably too close to be sure you will reach your goal and if for example you were almost ready to buy a house and the market plunged you would not be ...
by sometimesinvestor
Thu Jun 23, 2016 1:53 pm
Forum: Personal Investments
Topic: NY 529 plan investments as college looms
Replies: 4
Views: 775

Re: NY 529 plan investments as college looms

You can get a clarification but I assume one change means 1 day of changes so you could move a small portion of your conservative and moderate portfolios into a100 stock portfolio and or given your concerns about bonds into the inflation protected portfolio.. I don't know what the prime mm is provid...
by sometimesinvestor
Sat Jun 11, 2016 10:16 pm
Forum: Investing - Theory, News & General
Topic: The Two fund portfoluio
Replies: 2
Views: 774

The Two fund portfoluio

While past performance is no guarantee It is rare that international investments outperform the U.S.. While it may be more volatile perhaps Total stock market +Total bond market in some proportion might be better. Certainly both Buffett and Bogle believe it.
by sometimesinvestor
Wed Jun 08, 2016 9:30 pm
Forum: Personal Investments
Topic: I need some help to understand why I should invest in bonds at such a young age
Replies: 235
Views: 22521

Re: I need some help to understand why I should invest in bonds at such a young age

In the good old days (say a few years before you were born bonds were not necessary (though it would have been a good idea to own them because since that time they have often outperformed stocks.for example at the market lows of 2011 bonds had outperformed stocks over the previous 30 year period) be...
by sometimesinvestor
Tue May 31, 2016 2:40 pm
Forum: Personal Consumer Issues
Topic: Would you pay 6x face value to see Hamilton on Broadway?
Replies: 139
Views: 17516

Re: Would you pay 6x face value to see Hamilton on Broadway?

it depends on the reviews and I don't know how much the actors rather than the play are praised. I confess the only time I have ever paid more than face value fora ticket (and it was about 50% more was when I wanted to see Linda Ronstadt in Pirates of Penzance after the show announced she was leavin...
by sometimesinvestor
Tue May 24, 2016 2:27 pm
Forum: Investing - Theory, News & General
Topic: Bernstein says emergency fund part of your "asset allocation?"
Replies: 62
Views: 9993

Re: Bernstein says emergency fund part of your "asset allocation?"

Duplicating some comment I would not consider it part of my AA and the reason is simple . I don't consider an emergency fund as a source of funds to buy stocks or bonds but as a fund source for the purpose of auto repair , fixing the roof and surprising medical expenses
by sometimesinvestor
Mon May 23, 2016 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: A toughie... Trust and Will but no one to ask... what to do?
Replies: 12
Views: 1718

Re: A toughie... Trust and Will but no one to ask... what to do?

Agree with everybody . Get someone you have reasonable confidence at the moment and recognise you may change your mind at some point in the future at which time the person or persons you should name may be clearer
by sometimesinvestor
Thu May 19, 2016 3:08 pm
Forum: Personal Investments
Topic: Fidelity's Total Bond Fund
Replies: 20
Views: 5856

Re: Fidelity's Total Bond Fund

Many including the John Bogle think the bond index is invested too much in Govt bonds. Based on the comments so far I suggest purchasing the Spartan total Bond index + the Ishares high grade corporate bond symbol LQD. This has no commission charge and an expense ratio of .15.Buy the amount that gets...
by sometimesinvestor
Sat May 14, 2016 3:58 pm
Forum: Investing - Theory, News & General
Topic: Timing for buying mutual funds?
Replies: 7
Views: 2190

Re: Timing for buying mutual funds?

For some fund families (fewer than there used to be ) it can be right to buy international funds aftera strong day in the us market.The benefit only lasts one day unfortunately. The only thing you can do iss watch cnbc from 3:15 on. They will usually tell you about the status of the orders at close(...
by sometimesinvestor
Sat May 14, 2016 3:47 pm
Forum: Personal Investments
Topic: Index Fund & ? for Taxable Account
Replies: 6
Views: 946

Re: Index Fund & ? for Taxable Account

I am astonished that I am the first to say this but it may be that a tax free bond fund is more appropriate. The correct decision depends on your state of residence and your tax bracket
by sometimesinvestor
Wed May 11, 2016 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of preparing Form 1041
Replies: 8
Views: 5947

Re: Cost of preparing Form 1041

If you can handle a moderately complicated 1040 + schedule A.B, D you can probably do it yourself if the estate income comes strictly from stocks, bonds mutual funds,bank accounts and perhaps the sale of a residence. With regard to the latter it would be a good idea to get an appraisal shortly after...
by sometimesinvestor
Wed May 11, 2016 9:25 pm
Forum: Personal Investments
Topic: Vanguard Health Care Index Fund VGHCX
Replies: 10
Views: 3094

Re: Vanguard Health Care Index Fund VGHCX

I guess I disagree with the advice to hold a health care fund for at least 20 years though that advice may work out. Peak demands on the health care system in the medium run occur sometime between 2025 and 2030. After that baby boomers start dying out at a faster rate than the smaller Gen x generati...
by sometimesinvestor
Mon May 09, 2016 9:15 pm
Forum: Personal Investments
Topic: Stable Value Fund vs. Total Bond
Replies: 14
Views: 2220

Re: Stable Value Fund vs. Total Bond

I thought Taylor's first comment was excellent; his comment regarding cons not so much. For example at least in my opinion almost all of the points made by the Laura Dogu quote are irrelevant in a 401k account . Basically if you pick one fund you will be right or wrong . If you go with two you will ...
by sometimesinvestor
Sat May 07, 2016 5:26 pm
Forum: Investing - Theory, News & General
Topic: "Do Vanguard Funds Have Hidden Costs?"
Replies: 9
Views: 2631

Re: "Do Vanguard Funds Have Hidden Costs?"

Vanguard's most important hidden cost is that the expense ratio is apparently too low to prove decent service on telephone calls. See all the threads where people compare Vanguard service to TRP and Fidelity.
by sometimesinvestor
Tue May 03, 2016 2:35 pm
Forum: Investing - Theory, News & General
Topic: Does T.R. Price add value for its investors
Replies: 43
Views: 11120

Re: Does T.R. Price add value for its investors

Couldn't help noticing that Larry didn't examine the performance of TRP capital appreciation which might be the most often owned TRP fund of people who visit this site. I assume the problem is that it is not comparable to any index fund or even a 60-40 mix which might be a reasonable comparison)
by sometimesinvestor
Tue May 03, 2016 2:19 pm
Forum: Personal Consumer Issues
Topic: Ally's Webroot Secure anywhere Antivirus software - any good?
Replies: 6
Views: 1184

Re: Ally's Webroot Secure anywhere Antivirus software - any good?

webroot secure is relatively idiot proof. it updates itself and warns you that a sight you are planning to go to is risky
by sometimesinvestor
Mon May 02, 2016 10:46 pm
Forum: Investing - Theory, News & General
Topic: Stable Value Fees
Replies: 9
Views: 1316

Re: Stable Value Fees

JUst another vote for ignoring the expense ratio . Its the yield that counts given that you have a respectable firm (usually an insurance company ) that's providing the stable value fund
by sometimesinvestor
Mon Apr 18, 2016 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Tax filing help!! standard vs itemized? passive or general category income?
Replies: 11
Views: 1314

Re: Tax filing help!! standard vs itemized? passive or general category income?

if you are not concerned about possible privacy issues(unlikely to be a problem you might mention what state you are from which could help people give you a better answer on state tax issues/ as noted mutual funds as far as the tax credits concerned are passive income but if you are single you dont ...
by sometimesinvestor
Sat Apr 16, 2016 8:50 pm
Forum: Personal Investments
Topic: I Bonds before end of the month?
Replies: 20
Views: 6097

Re: I Bonds before end of the month?

Another vote for buying now. In recent year there mostly has not been any fixed rate> There is now so take advantage of it. An alternative is to buy half now and half after May 1 . That way you won't be very wrong
by sometimesinvestor
Sat Apr 16, 2016 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Do I need an Irrevocable Life Insurance Trust?
Replies: 3
Views: 616

Re: Do I need an Irrevocable Life Insurance Trust?

I would wait till you have child before worrying about estate tax as the problem really arises with the second death. Re NY taxes if your estate is over 1.,05x $4.1 million dollars the whole thing is potentially taxable The figure is not an exemption but the first roughly $4.1 is taxed on the whole ...
by sometimesinvestor
Tue Apr 12, 2016 8:26 am
Forum: Investing - Theory, News & General
Topic: what is the draw of active management?
Replies: 37
Views: 3099

Re: what is the draw of active management?

There could be a legitimate case to be made for higher income people who will have a higher marginal tax rate in retirement to make a portion of their retirement investments in taxable. This is because all withdrawals from tax deferred accounts are taxes at higher ordinary income tax rates. Whereas...
by sometimesinvestor
Mon Apr 11, 2016 8:54 pm
Forum: Personal Investments
Topic: Experience with Fidelity?
Replies: 51
Views: 6753

Re: Experience with Fidelity?

I think many of us and perhaps most would prefer if Vanguard charged a tiny bit more than they do and inprroved service and the website. If you want it Fidelity offers lots more webinars but most are not useful to people who won't change their asset allocation and or investments based on what the he...
by sometimesinvestor
Mon Apr 11, 2016 8:42 pm
Forum: Investing - Theory, News & General
Topic: what is the draw of active management?
Replies: 37
Views: 3099

Re: what is the draw of active management?

Such financial professionals may be thinking about the good old days o the 70s and 8os and the 50s and 60s too but professionals who know about those years are retired or soon will be.. A factor that let Peter Lynch outperform (and he did ) was that he had access to much better info than the average...
by sometimesinvestor
Fri Apr 08, 2016 9:30 pm
Forum: Personal Investments
Topic: Roth vs. Traditional 401k
Replies: 54
Views: 6078

Re: Roth vs. Traditional 401k

i am surprised there is such a difference of opinion. This seems to me to be a fairly clear case though I may be overly optimistic about somebody who at age 26 is in the 25% bracket filing married joint will get promotions and other raises over the years/ I think most including me believe you should...
by sometimesinvestor
Tue Apr 05, 2016 8:01 pm
Forum: Personal Consumer Issues
Topic: Five Best National Parks to Visit?
Replies: 99
Views: 12270

Re: Five Best National Parks to Visit?

Thanks for all the recommendations! I want to see everything eventually, but am leaning towards Yosemite for my first trip. That seems like it'd be the easiest to get to, since I can fly direct to San Francisco and just drive from there. I think you can also get there from San Francisco by train. F...
by sometimesinvestor
Sun Apr 03, 2016 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Help me reduce my 2015 AGI!
Replies: 22
Views: 4804

Re: Help me reduce my 2015 AGI!

is ira for you possible .my guess is that you would have thought of that
by sometimesinvestor
Sat Mar 12, 2016 9:13 pm
Forum: Personal Investments
Topic: Should I sell my Altria (tobacco) shares?
Replies: 21
Views: 4024

Re: Should I sell my Altria (tobacco) shares?

You see4m like you want to sell. I suggest you do an internet search and look at analysis of the stock on several web sites. THe search will help you decide. [OT comments removed by admin LadyGeek] Full disclosure I owned the stock when the dividend was over 5% and sold it when the yield dropped
by sometimesinvestor
Sun Mar 06, 2016 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Distribution of estate assets
Replies: 40
Views: 2918

Re: Distribution of estate assets

I am far from an expert in these matters but have the impression that taxes on capital gains for securities in a trust are often at a higher rate than for an individual if the capital gains are large This suggests that when you inherit it will be better if you sell so the taxation is at your rate. P...
by sometimesinvestor
Sun Feb 28, 2016 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block and DC tax payment
Replies: 3
Views: 679

Re: H&R Block and DC tax payment

I don't know the answer to your question but I have had good results calling H+R Block at the 800 number on their web site

1-800-472-5625.
by sometimesinvestor
Sun Feb 28, 2016 3:55 pm
Forum: Personal Investments
Topic: Please help me choose new job's 401(k) mutual fund elections
Replies: 9
Views: 1531

Re: Please help me choose new job's 401(k) mutual fund elections

A fund you are overlooking is the stable value fund. For such funds thee expense ratio is probably not crucial what counts is the yield Unless its unusual the stable value fund will be basically no risk and offering a fair yield . If its above 2% I would seriously considerate.No one on this board wi...
by sometimesinvestor
Sun Feb 21, 2016 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need to pay taxes early on capital gains in order to avoid fines?
Replies: 13
Views: 3013

Re: Do I need to pay taxes early on capital gains in order to avoid fines?

Agree with those who suggest using your paycheck. Just jack up your withheld taxes on each paycheck) so by the end of the year you have withheld 110% of what you owed last year(line 44) on the 1040).For example . After computing the 110% figure subtract what you have already withheld from that numbe...
by sometimesinvestor
Sat Feb 20, 2016 3:50 pm
Forum: Personal Investments
Topic: How should I invest my money if I want to buy a house in 10-15 years
Replies: 5
Views: 972

Re: How should I invest my money if I want to buy a house in 10-15 years

I would buy a balanced fund like Vanguard wellington or if appropriate Vanguard Tax managed balanced. Also reasonable is a similar fund from Fidelity or T.Rowe price. My reasoning is A) a balanced fund iss likely less volitile ans so makes it unlikely you will sell at a bottom B) sort of similar but...
by sometimesinvestor
Wed Feb 17, 2016 3:56 pm
Forum: Personal Consumer Issues
Topic: 2 Days in Toronto (& Hilton Rewards Amex info)
Replies: 16
Views: 1456

Re: 2 Days in Toronto (& Hilton Rewards Amex info)

Lots of things to do in Toronto but you only have 2+ days so what you should see depends in part on where you live currently (so you are familiar with certain types of entertainment) and your taste. As to the CN tower mentioned by you and others I would go for breakfast not dinner . It will feature ...
by sometimesinvestor
Mon Feb 08, 2016 9:51 pm
Forum: Investing - Theory, News & General
Topic: "Politics and Investing Don't Mix"
Replies: 23
Views: 2931

Re: "Politics and Investing Don't Mix"

A completely different reason they don't mix. If I were a Republican I would be wealthier but in 2011 I invested in DEM ,an ETF that holds dividend paying emerging market stocks. It seemed like an investment combining boldness and safety (it was in a Roth IRA ) but at this time I am down 4k One can'...
by sometimesinvestor
Sat Feb 06, 2016 5:18 pm
Forum: Personal Investments
Topic: TSP asset allocation
Replies: 7
Views: 1385

Re: TSP asset allocation

agree that some money in the G fund a fine idea.
by sometimesinvestor
Wed Feb 03, 2016 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Real estate taxes on estate for heirs
Replies: 17
Views: 1966

Re: Real estate taxes on estate for heirs

I hope the home was appraised before you sold it. As noted the cost basis is adjusted to the value at death so it may even be that there is a capital loss on the sake which could be passed through to the heirs.By the way the estate also has income from stock dividends CDs and in some case sale of st...
by sometimesinvestor
Wed Feb 03, 2016 3:53 pm
Forum: Personal Investments
Topic: New to Bogleheads: Portfolio advice please
Replies: 24
Views: 2905

Re: New to Bogleheads: Portfolio advice please

My position may not be popular but I don't think you will earn as much as 4% in a bond fund at current interest rates and I would consider putting money you are thinking of putting in your bond fund into paying off your mortgage . Its a no risk investment with a certain return. and will make your li...
by sometimesinvestor
Fri Jan 29, 2016 9:41 pm
Forum: Investing - Theory, News & General
Topic: how often to rebalance
Replies: 11
Views: 1790

Re: how often to rebalance

arcticpineapplecorp. wrote:No thanks...firefox says assetbuilder's certificate is not up to date.

Image
For what its worth I got no such warning from Chrome or my anti virus software but did get that warning from Firefox.
by sometimesinvestor
Thu Jan 28, 2016 1:30 pm
Forum: Investing - Theory, News & General
Topic: how often to rebalance
Replies: 11
Views: 1790

how often to rebalance

don't want to read the article ? go with once a year
https://assetbuilder.com/knowledge-cent ... -portfolio
by sometimesinvestor
Tue Jan 26, 2016 11:34 pm
Forum: Personal Investments
Topic: Fidelity Contrafund Pool Vs VIIIX
Replies: 36
Views: 8743

Re: Fidelity Contrafund Pool Vs VIIIX

I do agree that its a close decision and it probably won't matter much >Contrafund may be too large to outperform by a sufficient margin. I do think comparison to the Magellan situation is less reasonable . once Peter Lynch left i Magellan began to underperform . Several mangers followed and only th...
by sometimesinvestor
Sun Jan 24, 2016 9:06 am
Forum: Investing - Theory, News & General
Topic: when where and when not to index
Replies: 4
Views: 1068

when where and when not to index

Actually the article is quite interesting but not long on USEFUL advice (it does make clear indexing large cap is appropriate) While the article does not emphasize the point for years it was easy to outperform the international indices (just avoid Japan) For that matter I am sure it was easy in retr...
by sometimesinvestor
Sun Jan 24, 2016 8:49 am
Forum: Personal Finance (Not Investing)
Topic: How [much] do CPAs charge for tax prep?
Replies: 15
Views: 3957

Re: How do CPAs charge for tax prep?

Since others have actually given an answer to your question (whats the charge) I will point out that tax software is appropriate for most people.The main value of a CPA is offering tax advice .If the persons only needed forma are A, B, D tax software at $35 or less is the way to go.. Of course if th...
by sometimesinvestor
Mon Jan 11, 2016 9:14 pm
Forum: Personal Investments
Topic: TIPS - I Bonds vs mutual fund
Replies: 13
Views: 1417

Re: TIPS - I Bonds vs mutual fund

For what its worth many "bond experts" are not optimistic at this time about TIPs. I have no idea if they are correct but it seems that the fact that I bonds have no downside is pretty appealing . If inflation starts to increase Tips funds would have more appeal but they will not perform w...
by sometimesinvestor
Sat Jan 09, 2016 12:07 pm
Forum: Investing - Theory, News & General
Topic: NY Real Estate vs. The Stock Market
Replies: 38
Views: 5165

Re: NY Real Estate vs. The Stock Market

Sorry , I am missing the point. Why is it important to win the debate with your parents ?It seems clear that buying a house i New York was not a serious error. If the issue is whether to invest some of their asets in the stock market at this time that's a different issue/.
by sometimesinvestor
Sat Jan 09, 2016 11:56 am
Forum: Personal Investments
Topic: Open a Roth at 52 yrs old?
Replies: 7
Views: 1060

Re: Open a Roth at 52 yrs old?

Tax bracket is the primary driver of the decision though its of some value to have both kinds of accounts in some situations possibly depending on your states laws.
by sometimesinvestor
Fri Jan 08, 2016 2:47 pm
Forum: Personal Investments
Topic: 529 plans with Nexgen and T. Rowe Price - help!
Replies: 5
Views: 659

Re: 529 plans with Nexgen and T. Rowe Price - help!

ewitching is fine but not switching is also probably fine.In mid july 2914 thE S+P 500 was around 1980 which was slightly higher than it is today. How badly did the price funds do?Any gain even if small would look pretty good
by sometimesinvestor
Fri Jan 08, 2016 2:35 pm
Forum: Personal Investments
Topic: Looking for review of my investment approach
Replies: 6
Views: 1025

Re: Looking for review of my investment approach

Its fine but as implied by Fivek if the market goes to 1650 and starts going up institute your program , THere are "experts" at CNBC that suggest numbers similar to yours and that may be where you got that idea,but these numbers (usually based on recent bottoms) are not so precise that the...
by sometimesinvestor
Fri Jan 08, 2016 2:25 pm
Forum: Personal Investments
Topic: Which of these horrible funds should my girlfriend choose for her 401k?
Replies: 20
Views: 2052

Re: Which of these horrible funds should my girlfriend choose for her 401k?

I agree with those who suggest investing to the point where you take full advantage of the match.I just think the employer should get more credit He is minimizing his cost so he can provide a match. Plus in general American funds are decent performers in spite of their high expense ratio which is ac...