Search found 3722 matches

by Aptenodytes
Mon Mar 28, 2011 6:43 am
Forum: Personal Consumer Issues
Topic: Paperless?
Replies: 58
Views: 6814

Leesbro, what kind of scanner do you use? I would like to find a scanner that has a document feeder and can handle a stack of different papers all at once, without getting jammed. Any recommendations? I splurged on a Fujitsu ScanSnap S1500 ($415) about six months ago, and absolutely love it. It han...
by Aptenodytes
Sun Mar 27, 2011 2:34 pm
Forum: Personal Consumer Issues
Topic: The Global Fund (was: How to help Africa?)
Replies: 3
Views: 686

The Global Fund is one of the most effective responses to high-priority global problems out there. The news articles linked in the original post are deliberately misleading, probably out of a desire to stir controversy for the sake of attention-getting. There are good reasons to be skeptical of Bono...
by Aptenodytes
Sun Mar 27, 2011 9:58 am
Forum: Investing - Theory, News & General
Topic: "Invest in high Dividend stocks to substitute for Bonds
Replies: 44
Views: 6376

*This URL doesn't lead to Larry's column*.
Search in google and click on "cache"
by Aptenodytes
Wed Mar 23, 2011 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: Why are SEP IRA's so much better than 401ks?
Replies: 30
Views: 4748

I think you have the facts wrong. SEP-IRAs have upper limits determined both in percentage terms and absolute terms. 401Ks, I believe, have upper limits only in absolute terms. You can only put 75% of your income into a 401k if you earn as low as $27,000 or so. My guess is SEP-IRAs have higher caps ...
by Aptenodytes
Tue Mar 22, 2011 8:02 am
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA and RMD Question
Replies: 4
Views: 1150

I can tell you what I do with my inherited IRAs: 1) I consider them to be an integral part of my overall retirement assets, and allocate and rebalance accordingly. 2) Beginning around September, I calculate what my RMD will be and look for ways to withdraw it that are consistent with my AA -- either...
by Aptenodytes
Sun Mar 06, 2011 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency cash (physical currency)
Replies: 80
Views: 8293

We keep a few hundred dollars in a small safe. Count on it being there in event of the sort of mid-range emergency where credit cards and ATMs might not be functioning but enough of the social fabric is there to give cash value. Very low probability risk but very low cost action.
by Aptenodytes
Thu Mar 03, 2011 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Question from a Newly Appointed Executor:
Replies: 4
Views: 1247

Yes, once you become the executor of the estate you acquire the right and responsibility to pay all bills using assets of the estate. However, what becomes an asset of the estate depends on how your sister and her husband designate ownership and survivorship for each asset. For example, if the check...
by Aptenodytes
Thu Mar 03, 2011 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: Which portfolio tracker do you guys use?
Replies: 18
Views: 3574

Spreadsheet with fund values pulled from the web automatically and my own formulas to track performance and asset allocation. I enter share totals manually for now -- may get sick of that at some point.
by Aptenodytes
Wed Mar 02, 2011 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: How do you report schedule k-1 on tax form?
Replies: 3
Views: 3760

Related question: I got a schedule k-1 in the mail for a LP that was bought and sold in a traditional inherited IRA. I'm not used to getting tax forms for security transactions in this account. Can I just ignore it?
by Aptenodytes
Sun Feb 27, 2011 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Any problem with back-loading your tax withholdings?
Replies: 9
Views: 1508

Our income varies from year to year and for various reasons I have always used payroll withholding rather than estimated tax payments as the mechanism for hitting the right target for total withholding. I guess I'm more of a trial and error person than a figure out the formula person. You have to al...
by Aptenodytes
Sun Feb 27, 2011 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: Need help rebalancing portfolio
Replies: 2
Views: 572

Couple things: 1) You don't know your small-cap exposure until you run your funds through something like Morningstar's x-ray. E.g. STSVX is about 85% small-cap I believe. Some funds that have "small cap" in the name have even lower percentages (likewise some of your funds that don't have "small cap"...
by Aptenodytes
Sat Feb 26, 2011 9:45 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone in VFSVX? Why?
Replies: 72
Views: 15159

I am not in this fund, but I am trying to get international exposure in small caps. Using International Explorer (VINEX) as the primary vehicle for small-cap international.
by Aptenodytes
Mon Feb 21, 2011 10:17 am
Forum: Personal Consumer Issues
Topic: Dropbox.com
Replies: 34
Views: 4149

I have used it for about a year and couldn't live without it now. I upgraded to the pro account to have a larger storage limit. Made my live much easier. Use it both for work and personal purposes.
by Aptenodytes
Sat Feb 19, 2011 6:14 am
Forum: Investing - Help with Personal Investments
Topic: Help me understand this...why add small value to TSM?
Replies: 25
Views: 4750

This thread is bringing to the surface a question I've been more and more puzzled about. I'm relatively new to all this and curious what most Bogleheads use as a benchmark in calibrating their own portfolios. If you want to aim for a portfolio somewhere in the ballpark of one of the ones recommended...
by Aptenodytes
Thu Feb 17, 2011 8:15 am
Forum: Personal Finance (Not Investing)
Topic: In terms of income, how expensive is your primary residence?
Replies: 100
Views: 14028

1) 3.1

2) 3.4

3) 1998

4) income rose 2.4x; house value rose 2.2x
by Aptenodytes
Thu Feb 17, 2011 7:34 am
Forum: Personal Finance (Not Investing)
Topic: How to choose an executor
Replies: 11
Views: 1847

Given your concerns you may want to try to arrange your assets so that most, maybe all, pass to your husband directly, minimizing the executor duties. Many estate planners consider this best practice regardless of the paperwork skills of the spouse. It is more common for the husband to die first, bu...
by Aptenodytes
Mon Feb 14, 2011 11:47 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio help sought
Replies: 6
Views: 937

For me the logic of having a target percentage in emerging markets is akin to the logic of having a target percentage in small US firms. I expect them to perform better, with higher risk, than a basket that is neutral with respect to them. If I could target emerging small and emerging value with low...
by Aptenodytes
Mon Feb 14, 2011 11:35 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio help sought
Replies: 6
Views: 937

I need to read up on Trev H. If it lets me specify small, value, and emerging shares, it will work for me. I also want to have a mix of domestic and international bonds. I am in the process of removing all the equities from TIAA so that only the traditional annuity is held there. All the equity fund...
by Aptenodytes
Mon Feb 14, 2011 11:05 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio help sought
Replies: 6
Views: 937

Thanks for the feedback. I agree I have too many funds. Staying away from Total International was on purpose, though, because it tilts to large cap so heavily. Having a relatively small number of international funds that lets me fine tune to the tilt seemed like a worthwhile tradeoff.
by Aptenodytes
Sun Feb 13, 2011 10:41 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio help sought
Replies: 6
Views: 937

Portfolio help sought

Here's my situation: Emergency funds : 6 months of expenses Debt : $166k mortgage, 3.75% fixed, 15 years remaining. Tax Filing Status : Married filing jointly Tax rate : Federal 25%; New York State 6.85% Age : both 52 Desired Asset Allocation (slice and dice): 75% stocks, of which 50% small / 60% va...
by Aptenodytes
Thu Feb 10, 2011 8:50 pm
Forum: Personal Consumer Issues
Topic: Do you negotiate cable/internet prices?
Replies: 36
Views: 5219

I negotiated with Cablevision in the New York City metro area, a couple years ago. Got them to reduce the bill by about $30-40. It was easier than I thought. The competition from Verizon helped I think.