Search found 259 matches

by winterescape
Wed Jan 20, 2010 6:31 pm
Forum: Investing - Help with Personal Investments
Topic: fixed income holdings, your recommendations?
Replies: 19
Views: 4539

You might think about 1/3 Total Bond Market, 1/3 Short Term Bond Index, 1/3 Inflation Protected Securities fund. Chris I like this thought, I have been looking closely at Vanguard GNMA (VFIIX) and Vanguard Inflation protected (VIPSX). The Vanguard financial planning service suggested 100 % in Vangu...
by winterescape
Sat Jan 16, 2010 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: fixed income holdings, your recommendations?
Replies: 19
Views: 4539

bump...
by winterescape
Tue Jan 12, 2010 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: fixed income holdings, your recommendations?
Replies: 19
Views: 4539

Thanks for the couple of thoughts, still looking for some specific recommendations and what others have for the fixed income portion of investments at this point.....
by winterescape
Sun Jan 10, 2010 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Portfolio and AA anxiety
Replies: 34
Views: 5365

Re: Help with Portfolio and AA anxiety

2. I have my 401k still at megacorp. Other than limited selection, which is not my case, what are the reasons to move to IRA? Reasons to consider moving 401K to IRA 1) Selection/choice of investments 2) Expense ratio of funds 3) Possible ability to withdraw money penalty free @ age 55 from 401K @ m...
by winterescape
Sun Jan 10, 2010 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: fixed income holdings, your recommendations?
Replies: 19
Views: 4539

fixed income holdings, your recommendations?

I wanted to ask the Boglehead community for some advise. I am helping my father move the last of an Ameriprise account to vanguard. He has an IRA with almost all of his fixed income funds. Currently in a “variable annuity fixed account” yielding 3.0%. He is moving it all to a Vanguard IRA and lookin...
by winterescape
Sat Nov 29, 2008 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: New York Muni Money Market Fund - VYFXX
Replies: 3
Views: 920

Todd, you may want to compare the yield using the Vanguard tax free fund tool http://personal.vanguard.com/u....alentyield If you run this for someone in the 28% federal brkt and 6.85% NY state it comes up with 1.64 % Compare this to the vanguard prime money market fund yielding 2.6% Also, not sure ...
by winterescape
Sat Nov 29, 2008 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: New York Muni Money Market Fund - VYFXX
Replies: 6
Views: 1954

Todd, you may want to compare the yield using the Vanguard tax free fund tool http://personal.vanguard.com/us/funds/tools/taxequivalentyield If you run this for someone in the 28% federal brkt and 6.85% NY state it comes up with 1.64 % Compare this to the vanguard prime money market fund yielding 2....
by winterescape
Mon Jun 16, 2008 9:25 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help... 25 years old
Replies: 2
Views: 765

Need more info like objective and time frame for your inestment.
Is this all your savings? Are you looking to draw income from this money or just grow it saving for retirement???
by winterescape
Sun Jun 08, 2008 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: OT - Hybrid technology
Replies: 51
Views: 7814

Re: Does GM or Dodge have a hybrid???

davidkw wrote:Does GM or Dodge have a hybrid???
GM has several. Most are trucks but they also have the Chevy Malibu and the Saturn Aura. They have announced that they will offer a plug-in hybrid Saturn Vue.
by winterescape
Mon May 26, 2008 10:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard vs. DfA -- I want to win the big bet!!
Replies: 48
Views: 8178

Well the evidence is very clear that a good advisor more than adds value for the average investor EVEN if the advisor is relatively high fee...... then average investor likely to be way ahead. Larry, With all do respect, that is not what the BCT study, aka “The Study of the Decade” found. Some high...
by winterescape
Sat May 24, 2008 9:36 pm
Forum: Investing - Theory, News & General
Topic: A question from a new potential boglehead
Replies: 7
Views: 1957

Call me cynical but I have observed that some advisors tend to complicate things by suggesting you invest in lots of different funds. It seems to be some sort of shell game where they keep moving the money around to distract you from reviewing the expenses and keep you from calculating your real rat...
by winterescape
Sun May 18, 2008 7:28 pm
Forum: Investing - Theory, News & General
Topic: How often do you shop auto insurance?
Replies: 13
Views: 4022

The problem is that if you have an Umbrella insurance policy setup -- which is a good policy for many people to protect from major lawsuits, especially more so if you have substantial assets -- then in most cases the insurance company will also want your auto & home insurance together with them in ...
by winterescape
Sun May 04, 2008 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Stay w/ 401k after retirement or rollover to IRA?
Replies: 3
Views: 1614

I have come across the following criteria for making the determination: 1) Expense ratio of the funds offered and other fees. According to your post this would favor the Vanguard rollover. 2) Investment options. Again, according to your post this would favor the Vanguard rollover. Some 401K have acc...
by winterescape
Wed Apr 30, 2008 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: An embarassingly easy question on logic and arithmetic
Replies: 8
Views: 2539

If I understand your question correctly, yes and no. You can ignore the expenses if you are trying to determine your after tax income requirements but if you are trying to calculate your gross income requirements in retirement you should figure approximately what tax bracket you will be in and inclu...
by winterescape
Sun Apr 27, 2008 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund & 35% tax bracket
Replies: 18
Views: 4158

Re: Emergency Fund & 35% tax bracket

retired at 48 wrote:
Another alternative, establish a Home Equity Line of Credit, to be tapped in case of emergency.
If you have substantial home equity I favor this option and was just going to post this suggestion...
by winterescape
Mon Apr 21, 2008 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Should I sell my American Funds and buy All Index?
Replies: 21
Views: 4909

PiperWarrior wrote:If you haven't done so, you might want to turn off reinvestment of dividends and capital gains and take them in cash. This way, when you want to sell your funds, you'll have little to no short-term capital gains.
I second this recommendation, this is an easy way to shift your portfolio...
by winterescape
Sun Apr 13, 2008 7:58 pm
Forum: Investing - Theory, News & General
Topic: Why non-deductible IRA?
Replies: 8
Views: 1760

If you are not eligible for ROTH but want to take advantage of the no income limit conversion from TIRA to ROTH in 2010…

I now wish I had built up a TIRA to convert…
by winterescape
Sun Apr 13, 2008 7:21 pm
Forum: Investing - Theory, News & General
Topic: Annuity Rip-off's- Dateline NBC on Sunday Evening
Replies: 30
Views: 9523

While extremely entertaining it only focused on surrender fees. It neglected to mention High expense ratio products, most hide a portion of the ER by stealing the dividend, and other hidden expenses…
by winterescape
Sun Apr 13, 2008 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: Feedback for 529 plan
Replies: 3
Views: 1442

NY has an excellent direct 529 administered by Vanguard. For asset allocation you might look at the NY 529 Age based options. Because NY 529 is not your only education savings account you would add all education savings accounts up and set the combined asset allocation to match the Age based allocat...
by winterescape
Sun Apr 13, 2008 4:47 pm
Forum: Investing - Theory, News & General
Topic: Just realized a huge advantage of Tax-Deferred Accounts
Replies: 13
Views: 4991

Re: Just realized a huge advantage of Tax-Deferred Accounts

allenmickers wrote:I imagine this makes a huge difference in actively managed funds and probably much less of a difference in index funds with low turnover.
Bingo.. Ergo the frequent suggestion to put tax inefficient funds in tax deferred accounts, be it ROTH or traditional...
by winterescape
Sun Apr 13, 2008 4:36 pm
Forum: Investing - Theory, News & General
Topic: How does this adviser make his $$?
Replies: 17
Views: 3508

Are there ongoing trust management fees? Something like 1%/year deducted quarterly?
by winterescape
Sun Apr 13, 2008 3:39 pm
Forum: Investing - Theory, News & General
Topic: i have tax filing question
Replies: 5
Views: 1487

Tom, I have used both Turbo tax and Taxcut. Neither is perfect but they are both very good and both walk you through E-file. As in the past Vanguard offers a significant discount to Free, depending on your investment level with Vanguard to use the on-line version of Turbotax. This link compares the ...
by winterescape
Sun Apr 13, 2008 12:38 pm
Forum: Investing - Theory, News & General
Topic: Annuity Rip-off's- Dateline NBC on Sunday Evening
Replies: 30
Views: 9523

Thanks for the tip. That sounds like a good report to watch.... or tape. Anyone know if they post episodes after air date to the web to download? I could not find them...
by winterescape
Sun Mar 30, 2008 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: High Yield Bond Funds: Are they worth it?
Replies: 38
Views: 7392

I had recognized that high yield bonds had tighter correlation to the stock market, but I was hoping that over time, the fund would do better than garden variety bond funds but not be as susceptible to downturns as stock funds. That may be true, but I'm not sure the risk/reward tradeoff makes sense...
by winterescape
Sun Mar 23, 2008 7:17 pm
Forum: Investing - Theory, News & General
Topic: Would you buy your new home for cash instead of mortgage?
Replies: 31
Views: 6074

Consider:
1) The closing cost for the mortgage, this can be substantial
2) You could use the cash and then take out a HELOC to retain the liquidity, no closing cost.

You could probably do better investing the money and holding a mortgage, but you might not…
by winterescape
Tue Mar 18, 2008 2:20 pm
Forum: Investing - Theory, News & General
Topic: A Surprise Gift
Replies: 23
Views: 6823

Just thinking out loud, If you put it in an account in her name she will get 1099 statements each year, not exactly a surprise… You can’t open an IRA or ROTH IRA because she has no earned income, I would guess… Not going near an insurance product due to the expenses…. Other than UGMA/UTMA ?? Not sur...
by winterescape
Mon Mar 17, 2008 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: Is it advised to rollover a 401K when leaving a company?
Replies: 10
Views: 2336

Consider
1) Investment options
2) Expenses
3) Estate planning issues
4) Ease of managing investments at multiple locations

I actually kept a 401k from a previous employer because of an investment option not available to me in the rollover and the ultra low expense ratio.
by winterescape
Wed Mar 12, 2008 9:17 am
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting Strategies
Replies: 49
Views: 9274

Sorry to re-ask about this but I just wanted to make sure I understood. If I have $100K of losses this year I understand that I can offset $3000 of ordinary income every year going forward. However, can I also use that big loss to offset a big gain that may occur 2,3 or 4 years down the line? A cou...
by winterescape
Sun Mar 09, 2008 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: Investing taxable lump sume for income
Replies: 13
Views: 2731

Welcome to the board. The Vanguard Plan is a good starting point. The plan is worth the investment of your time if it is free. From your description I would recommend you look closely at the Vanguard Target Retirement 2005 Fund (VTOVX) https://personal.vanguard.com/us/funds/snapshot?FundId=0302&Fund...
by winterescape
Thu Feb 14, 2008 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: Life insurance in retirement
Replies: 17
Views: 4138

Re: Life insurance in retirement

She has an emotional attachment to life insurance. Even though I can show her on paper that this is probably the best financial decision, she has a problem letting go of this safety net. So I agree with your reasoning but the above statement says it all… You can tell her that many companies, as wel...
by winterescape
Thu Jan 10, 2008 9:24 am
Forum: Investing - Help with Personal Investments
Topic: Target fund 2040 - Vangaurd or TRowePrice?
Replies: 5
Views: 2812

The Expense Ration of the Vanguard fund is much lower, .21 VS 1.04. This would favor the Vanguard Fund in my opinion...

http://personal.vanguard.com/us/FundsCo ... ndId2=6056
by winterescape
Tue Jan 08, 2008 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Rollover to IRA Advice (Stable Value Fund Question)
Replies: 13
Views: 3486

dbr, You may be interested in this thread I started with the same question. I decided that it was best to leave it alone in the 401k and keep the free lunch of the Stable Value fund. http://diehards.org/forum/viewtopic.php?t=2410 Pro: Low ER, easy web access, higher return with lower risk Con: Would...
by winterescape
Wed Jan 02, 2008 10:20 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Target Date Retirement Fund
Replies: 29
Views: 6225

Thanks for the reassurance. I had opted to maybe putting the money (if it ever comes back) with a broker, maybe A.G Edwards or such. They say annuities are the way to go for now. I'm thinking I may do better in something that doesn't so closely follow the S&P. I also read Rule#1 by Phil Town and th...
by winterescape
Wed Dec 05, 2007 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: Visa/Mastercard Lawsuit - Refund for Currency Conversions
Replies: 64
Views: 19056

Thanks for posting this thread. I had received a claim form some time ago and it required detailed info, account numbers and estimated amounts for each year. I had put the form aside to fill out when I was really bored. The new method with the estimate based on number of days (option #2) was easy! T...
by winterescape
Sat Nov 10, 2007 11:16 am
Forum: Investing - Help with Personal Investments
Topic: BND or AGG for TBM exposure?
Replies: 4
Views: 1714

I agree with above chose, BND

Fund total net assets $51.3 Billion
As of 09/30/2007 for BND

VS Fund total net assets $7.1 Billion
As of 09/30/2007 for AGG

ER of BND is 50% of ER of AGG
by winterescape
Sat Nov 10, 2007 10:57 am
Forum: Investing - Help with Personal Investments
Topic: How can I fix this mistake?
Replies: 24
Views: 4825

Just to clarify what is being discussed about the wash sale issue and the tax benefit this is example of what I would do, it may or may not work in your situation. 11/12/07 call Vanguard and sell 100% of VTSMX and put all proceeds into VFINX, 500 index This transaction will book approximately $1K ca...
by winterescape
Tue Nov 06, 2007 11:08 am
Forum: Investing - Theory, News & General
Topic: Alternative Minimum Tax exemption levels
Replies: 21
Views: 4647

On this page tax cut has an AMT estimator. It is much more complex than the $ at which it kicks in. I know several folks well above those limits who have not been impacted

http://www.taxcut.com/calculators06/index.html
by winterescape
Mon Oct 15, 2007 3:45 pm
Forum: Investing - Theory, News & General
Topic: 401(k)'s with low maximum's (is this common)?
Replies: 20
Views: 5008

Employers must be sure that 401K plans do not give disproportionate benefit to “highly compensated employees” There are various ways to comply with this. I believe that one of the ways is to limit the contribution. Someone with more experience in the administration of 401K plans can probably clarify...
by winterescape
Fri Oct 12, 2007 8:25 pm
Forum: Investing - Theory, News & General
Topic: Larry vs. Bob Brinker re. GNMAs
Replies: 16
Views: 5849

It is eluded to in a couple of the above responses but it merits emphasizing that there is no default risk with the GNMA fund. GNMA is backed by the “full faith and credit” of the US government. Also, I would not call the Vanguard GNMA fund “long term” with an average duration of 4.2 years.
by winterescape
Fri Oct 12, 2007 10:12 am
Forum: Investing - Theory, News & General
Topic: What was your first mutual fund?
Replies: 89
Views: 27005

Twentieth century Ultra. Dollar cost averaged in for a while. It was an after tax account and I noticed the tax issue with it in the 90's. I started by diverting the distributions to the Vanguard total stock market and putting new money in the total stock market. I finally sold the balance of it aft...
by winterescape
Wed Oct 10, 2007 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: My friend has bond question for you all
Replies: 10
Views: 2817

Re: My friend has bond question for you all

His stock holding are all ETF's You might mention BND It is the ETF version of the Vanguard Total Bond Index fund. It has an ER of 0.11% and an average duration of 4.66 years. I would ask where the holdings are, after tax or before tax. Please keep in mind the best locations to hold tax inefficient...
by winterescape
Mon Oct 08, 2007 9:41 am
Forum: Investing - Theory, News & General
Topic: annuity fee disclosure checklist
Replies: 1
Views: 900

I have had to try to explain the disadvantages of annuities to folks several times and this sheet makes it much easier to get the expense issue understood. Getting the seller to fill this out might be difficult as they watch their commission evaporate…. Another exercise that can help is filling this...
by winterescape
Wed Oct 03, 2007 9:18 am
Forum: Investing - Theory, News & General
Topic: InsuranceNewsNet: Vanguard's New Managed Payout Funds
Replies: 3
Views: 2176

Strange, not sure of the advantage/ disadvantage over setting up systematic withdraws on after tax funds you hold with Vanguard or setting up systematic monthly payouts on IRA's. When I recently filled out forms for systematic monthly distributions from an IRA for a family member I noticed you can e...
by winterescape
Mon Oct 01, 2007 2:07 pm
Forum: Investing - Theory, News & General
Topic: ETF's vs. mutual funds
Replies: 11
Views: 4185

Re: ETF's vs. mutual funds

newpup wrote:assuming no trading costs
Yes, then purchase VTI
by winterescape
Mon Oct 01, 2007 8:34 am
Forum: Investing - Help with Personal Investments
Topic: defined benefit plan
Replies: 6
Views: 1733

A lot of folks like to factor a defined benefit plan into there asset allocation plan using “phantom assets.” The generally accepted method for doing this is to take your income stream, calculate the fixed asset required to generate it, and move that asset into your asset allocation calculation. Let...
by winterescape
Sun Sep 30, 2007 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: OT: High Definition TV
Replies: 44
Views: 14026

HDTV

Plasmas--Consumer Reports Panasonic at the top in all sizes. The magazine earlier refers to Panasonic as producing "Top plasmas, great LCDs." We purchased a Panasonic plasma 42" and are very pleased with it. We considered LCD but liked the picture on the Panasonic plasma better. Also, after having ...
by winterescape
Fri Sep 28, 2007 8:42 pm
Forum: Investing - Theory, News & General
Topic: A Message from Mr. Bogle
Replies: 20
Views: 7047

BUMP remember to set the VCR...
Just moving this post near the top as a reminder...
by winterescape
Thu Sep 27, 2007 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Trip insurance for a cruise--good idea?
Replies: 18
Views: 5761

Some years back my parents planed a vacation and purchased trip insurance. My mother became ill and they did not travel. The insurance company argued about the fact that my father could have traveled so no reimbursement for him, and my mother was only reimbursed for what was forfeited as a deposit m...