Search found 279 matches

by jmbkb4
Fri Mar 11, 2011 10:00 pm
Forum: Personal Consumer Issues
Topic: Best Plasma TV
Replies: 43
Views: 6282

Best Plasma TV

Hi guys, I'm looking to buy a really good couple plasma TVs in about 2-3 months. I've been leaning toward the newest Samsung 63" model (http://www.amazon.com/Samsung-PN63C8000-63-Inch-1080p-Plasma/dp/B003A7X5HU/ref=sr_1_3?ie=UTF8&qid=1299898716&sr=8-3). But one of my friends just told m...
by jmbkb4
Fri Mar 11, 2011 9:56 pm
Forum: Personal Consumer Issues
Topic: Bing or Google??
Replies: 38
Views: 5106

goog
by jmbkb4
Fri Mar 11, 2011 9:49 pm
Forum: Personal Investments
Topic: When to reinvest in a stock you own
Replies: 15
Views: 1632

I'm learning that individual stocks are a loser's game.

I think VTSSX is the way to go right now
by jmbkb4
Fri Mar 11, 2011 4:50 pm
Forum: Personal Investments
Topic: Please help, quick question about roth ira
Replies: 15
Views: 1726

Re: Roth IRA

RFP wrote:You can take out your original contribution amount/basis to a Roth IRA at any time without penalty. Any gains removed that are considered an unqualified distribution would be subject to tax and penalties.
exactly.
by jmbkb4
Wed Mar 09, 2011 9:29 pm
Forum: Investing - Theory, News & General
Topic: Still buying
Replies: 127
Views: 22773

At that time (Mar 2009), I was buying all I could afford. I had my savings account down to $300 at one point.

Glad I did.
by jmbkb4
Wed Mar 09, 2011 9:12 pm
Forum: Personal Investments
Topic: Sloppy/screwy listings on Scottrade, TDAmeritrade?
Replies: 7
Views: 2127

what are the implications of this?

none?
by jmbkb4
Wed Mar 09, 2011 6:49 pm
Forum: Personal Investments
Topic: Getting started with $2000
Replies: 26
Views: 4816

at scottrade, you can purchase VTSSX and other SIGNAL share classes with a minimum of $100.

ERs are as low as the Admiral shares.
by jmbkb4
Wed Mar 09, 2011 1:44 pm
Forum: Personal Investments
Topic: Can mutual funds outperform the indexes?
Replies: 45
Views: 5942

that's why i'm here.
by jmbkb4
Wed Mar 09, 2011 1:13 pm
Forum: Personal Investments
Topic: Can mutual funds outperform the indexes?
Replies: 45
Views: 5942

I agree. Just using an example. Even incorporating last 5 years, still has great long-term track record.

I unfortunately own some of this mutual fund and have made too much in it to want to pay the CG on it.
by jmbkb4
Wed Mar 09, 2011 12:53 pm
Forum: Personal Investments
Topic: Can mutual funds outperform the indexes?
Replies: 45
Views: 5942

answer to question: Of course!

AGTHX has outperformed the market by 1-2% annualized per year since 1972.

Many on here will dismiss that but I think it's a significant period of time.

(I know it's in the past.)
by jmbkb4
Wed Mar 09, 2011 10:58 am
Forum: Personal Investments
Topic: Which index do you all use to track VGTSX?
Replies: 13
Views: 2032

yeah, same principles but apply to international funds.

not rocket science.
by jmbkb4
Wed Mar 09, 2011 10:57 am
Forum: Personal Investments
Topic: Vanguard oughta offer "midshipman" accounts
Replies: 94
Views: 11046

I just bought some VG "Limey" shares through scottrade.
by jmbkb4
Wed Mar 09, 2011 10:23 am
Forum: Personal Investments
Topic: Proceeds from home sale: about $167,000. What to do....
Replies: 53
Views: 7095

When we sold our home in 2008 we invested $400K of the profit and it's kicking off 9% in dividends/interest each year. We withdraw $3100 a month. That's enough to pay our mortgage (at 4.65%), property taxes, and then some. We do have to pay tax on that of course, but the principal is still growing....
by jmbkb4
Wed Mar 09, 2011 10:22 am
Forum: Personal Investments
Topic: Proceeds from home sale: about $167,000. What to do....
Replies: 53
Views: 7095

FWIW, I would not recommend going into medicine in the future, if you are looking for a lucrative career. That train has left the station and is going off the tracks very soon. I know too well of what I speak. Historical note: Many also said that in the mid-20th century when Medicare/Medicaid/CMS w...
by jmbkb4
Tue Mar 08, 2011 9:25 pm
Forum: Personal Investments
Topic: Which index do you all use to track VGTSX?
Replies: 13
Views: 2032

i usually compare it to the DOW, S&P, and NASDAQ. It usually does better than 1-2 of the indices and is vaguely averaged among them.

today, for example:

VG Total: +0.97%

DOW: +1.03%
S&P: +0.89%
NASDAQ: +0.73%
by jmbkb4
Tue Mar 08, 2011 9:19 pm
Forum: Personal Investments
Topic: Proceeds from home sale: about $167,000. What to do....
Replies: 53
Views: 7095

duly noted. thanks
by jmbkb4
Tue Mar 08, 2011 7:31 pm
Forum: Personal Investments
Topic: Proceeds from home sale: about $167,000. What to do....
Replies: 53
Views: 7095

jinxdaddy:

Yeah, I totally agree.

I've got a 529 for each kid with about $5,500 per account. I have VG funds for them only.

I've been adding a couple hundred bucks each a month for some time, and I'll continue doing that.

thanks for the advice!
by jmbkb4
Tue Mar 08, 2011 7:09 pm
Forum: Personal Investments
Topic: Proceeds from home sale: about $167,000. What to do....
Replies: 53
Views: 7095

I'm a radiologist, finishing my residency in 3 months. Did extensive moonlighting last 24 months.

thanks for your kind words. it's been a looong road but i'm beginning to see light at the end of the tunnel.
by jmbkb4
Mon Mar 07, 2011 8:22 pm
Forum: Personal Investments
Topic: "Vanguard. What Makes Them Unique"
Replies: 33
Views: 7360

I can't stomach VG's platform, but I own quite a bit of some funds in my scottrade account.
by jmbkb4
Mon Mar 07, 2011 6:09 pm
Forum: Personal Investments
Topic: Proceeds from home sale: about $167,000. What to do....
Replies: 53
Views: 7095

Thanks guys/gals. I think I'll work to get it paid down ASAP.

thanks
by jmbkb4
Sun Mar 06, 2011 9:02 pm
Forum: Personal Investments
Topic: In my situation, any reason to move Roths to Vanguard?
Replies: 13
Views: 1755

VG's site is so crappy in terms of its platform, I'd just stay w/ fidelity.
by jmbkb4
Sun Mar 06, 2011 6:10 pm
Forum: Personal Investments
Topic: Proceeds from home sale: about $167,000. What to do....
Replies: 53
Views: 7095

1) Pay down mortgage on new house? 5.00% loan, 15 year, $5,800/month payment. My mortgage payment is 20% (actually about 17.9%) of my monthly after-tax takehome pay. Frankly, if I were in your position, I wouldn't be worrying too much about $167k. Based on your statements above, I would estimate yo...
by jmbkb4
Sun Mar 06, 2011 6:08 pm
Forum: Personal Investments
Topic: Proceeds from home sale: about $167,000. What to do....
Replies: 53
Views: 7095

JupiterJones wrote:I'd pay down the mortgage and not even think twice about it.

JJ
thanks, I need to get it paid down. I'll probably do just that. I'll try and double my mortgage payments until it's gone.
by jmbkb4
Sun Mar 06, 2011 2:33 pm
Forum: Personal Investments
Topic: Proceeds from home sale: about $167,000. What to do....
Replies: 53
Views: 7095

3) JW -- I never used the phrase "windfall." Why did you? Sure you did. I quoted you...... you said: "3) This is windfall for the most part. I got a great deal and live in a very strong housing market." I was just making the point that money in your bank account doesn't have tag...
by jmbkb4
Sun Mar 06, 2011 2:32 pm
Forum: Personal Investments
Topic: Proceeds from home sale: about $167,000. What to do....
Replies: 53
Views: 7095

Windfall -- OK so it generally is windfall.

My mistake. My bad.

Doesn't change my original question. I'm striving to learn something from the sages on this board.

:shock:
by jmbkb4
Sun Mar 06, 2011 2:09 pm
Forum: Personal Investments
Topic: Proceeds from home sale: about $167,000. What to do....
Replies: 53
Views: 7095

1) to many -- Yes, that was a mistype. My mortgage payment is 20% (actually about 17.9%) of my monthly after-tax takehome pay. There is no worry about making monthly payments. none. 2) marco -- your post is worthless and adds precisely nothing except a hint of jealousy. But it is a nice house. :wink...
by jmbkb4
Sun Mar 06, 2011 10:44 am
Forum: Personal Investments
Topic: Proceeds from home sale: about $167,000. What to do....
Replies: 53
Views: 7095

Re: Proceeds from home sale: about $167,000. What to do...

Several observations: 1) 5% is a rotten rate for a 15 year, even a jumbo I think. Thought about refinancing/a different lender? Perhaps if you put that money toward the new house loan you could get it down far enough to get a standard loan at a better rate instead of a jumbo? 2) $5800 a month is a ...
by jmbkb4
Sat Mar 05, 2011 9:59 pm
Forum: Personal Investments
Topic: Proceeds from home sale: about $167,000. What to do....
Replies: 53
Views: 7095

That's what I was leaning for too. I've posted and thought quite a bit about the mortgage interest deduction (will it stay or will it go) and if I knew one way or the other I'd probably make the decision more easily. Thanks for the input. BTW, if the DJIA was still at 8,000 or less, it would be a mu...
by jmbkb4
Sat Mar 05, 2011 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Why am I such a tight-wad?
Replies: 85
Views: 11967

CassiusKing wrote:The both of you are obviously doing quite well. Start enjoying the fruits of your labor now while you still have excellent health.
I'm the exact same as the OP. I need to listen to your advice too.
by jmbkb4
Sat Mar 05, 2011 9:46 pm
Forum: Personal Investments
Topic: Proceeds from home sale: about $167,000. What to do....
Replies: 53
Views: 7095

Proceeds from home sale: about $167,000. What to do....

Hi, We are in the process of getting our home sold. We will be moving in late May. After I pay Realtor fees and pay off the remaining principal, I'll have about $167,000 or so. This is not money I need to live on. I'm taking $10,000 and we're going on a nice trip to Disney World in the fall. So, wit...
by jmbkb4
Sat Mar 05, 2011 6:50 pm
Forum: Personal Investments
Topic: College Student - Is investing right for me?
Replies: 15
Views: 1837

"no permanent job on the horizon"

you should not be investing. you should be saving for rainy days that are obviously coming.

pay down debt.
by jmbkb4
Thu Mar 03, 2011 10:01 pm
Forum: Personal Investments
Topic: Can I trust a generous State Pension promise?
Replies: 29
Views: 4499

answer to title:

NO
by jmbkb4
Wed Mar 02, 2011 10:56 pm
Forum: Investing - Theory, News & General
Topic: Anyone like/use Yacktman? (YACKX, YAFFX)
Replies: 13
Views: 4018

I'm fully aware that Vanguard Primecap and Healthcare (legacy holdings) have kicked the pants out of that Yachtman fund since 1992. If I only could have had my crystal ball in the late 90's and switched all those $ over from Primecap/Healthcare to the lagging Yachtman fund. :wink: However, I will g...
by jmbkb4
Wed Mar 02, 2011 10:55 pm
Forum: Investing - Theory, News & General
Topic: Anyone like/use Yacktman? (YACKX, YAFFX)
Replies: 13
Views: 4018

My personal preference is for total market index funds but if you want to take a gamble on continued outperformance then I wish you the best of luck. Out of curiosity, how did you find/pick this particular fund family? I actually had my pet monkey throw a dart at a spinning wheel labeled with diffe...
by jmbkb4
Wed Mar 02, 2011 9:42 pm
Forum: Personal Consumer Issues
Topic: How much should a good dentist make yearly?
Replies: 79
Views: 21028

I'm a radiologist. One of the "legends" around the hospital is that dentistry is the best kept secret in all of medicine because the reported salary surveys are largely fabricated and, in fact, most dentists make in the $300,000+++ range. I don't know, but that's what I've heard! (seriously)
by jmbkb4
Wed Mar 02, 2011 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: A simple way to dramatically increase tax-deferred space
Replies: 40
Views: 7197

livesoft wrote:
If you get a state income tax break for 529 contributions, there are probably annual limits, so by contribution the 5-years-all-at-once you may not get those tax breaks.

/
MO 529 is $16,000 tax-deductible per year per family.
by jmbkb4
Wed Mar 02, 2011 9:15 pm
Forum: Investing - Theory, News & General
Topic: Anyone like/use Yacktman? (YACKX, YAFFX)
Replies: 13
Views: 4018

Avo wrote:Which fund would you buy?

Image
Without a timeline and other considerations, your post is meaningless...

I like to look at 10++ year time frames.

But nice try... :lol:



-----


I agree w/ Heidi.
by jmbkb4
Wed Mar 02, 2011 7:56 pm
Forum: Investing - Theory, News & General
Topic: Anyone like/use Yacktman? (YACKX, YAFFX)
Replies: 13
Views: 4018

Anyone like/use Yacktman? (YACKX, YAFFX)

It's an actively managed fund family. 0.93% ER for YACKX. No load. I can buy for free from Scottrade. Tends to use a value approach. Reminds me of Buffett. Likes value dividend stocks KO, PEP, PFE, CLX, etc. Has massacred the S&P since inception (1992). Similar results over past decade but much ...
by jmbkb4
Tue Mar 01, 2011 9:12 pm
Forum: Investing - Theory, News & General
Topic: "Trade the First Day, then Stay Away"
Replies: 13
Views: 2718

brxn wrote:well-timed post
:lol: :lol: :lol:
by jmbkb4
Tue Mar 01, 2011 9:09 pm
Forum: Personal Investments
Topic: Help understanding Total Stock Market Index Up's and Down's?
Replies: 19
Views: 2087

hlfo718 wrote:Your s&p return is wrong.
google finance must have it wrong. the seller is quoting google finance's stats correctly.
by jmbkb4
Tue Mar 01, 2011 3:43 pm
Forum: Personal Investments
Topic: Got an Etrade account, yet want to invest in Admiral shares.
Replies: 15
Views: 2762

I have both an etrade acct and VG fund accts. If you want the funds without ETFs (actively managed), then you can open a fund acct directly at vanguard and link to Etrade, easily moving money back and forth between your checking acct at etrade and any vanguard fund electronically. Given some of the...
by jmbkb4
Tue Mar 01, 2011 3:42 pm
Forum: Personal Investments
Topic: Got an Etrade account, yet want to invest in Admiral shares.
Replies: 15
Views: 2762

Consider carefully before switching to VG. Their platform is shockingly bad and I have found their CS to be absolutely terrible. I'm staying with Scottrade but will just buy the funds and pay the fee. Does etrade offer the Signal funds? those may have lower ERs than Admiral, I'm not sure. At Scottra...
by jmbkb4
Tue Mar 01, 2011 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you pay in property taxes per year?
Replies: 68
Views: 12811

$6,000 for 9,500 sqft house on 3.5 acres.

"Thank God I'm a country boy."
by jmbkb4
Tue Mar 01, 2011 3:34 pm
Forum: Investing - Theory, News & General
Topic: What counts as an investment "gain"?
Replies: 13
Views: 1842

don't make a penny unless you sell.
by jmbkb4
Tue Mar 01, 2011 11:01 am
Forum: Investing - Theory, News & General
Topic: I'm having a hard time not putting a lot in GLD
Replies: 46
Views: 5878

Newsflash: Bogleheads are also hoping that past performance also predicts future success.

:)

Too much snobbery on here.
by jmbkb4
Mon Feb 28, 2011 9:08 pm
Forum: Investing - Theory, News & General
Topic: What counts as an investment "gain"?
Replies: 13
Views: 1842

when you sell
by jmbkb4
Mon Feb 28, 2011 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: In terms of income, how expensive is your primary residence?
Replies: 100
Views: 14473

Re: In terms of income, how expensive is your primary reside

Ideally, this is a question for those whose household includes at least one person who has a full time job. My questions: 1) What is the current ratio of your primary residence's market value (how much you could expect to get when you sell it, or how much would you expect someone to pay to buy a si...
by jmbkb4
Mon Feb 28, 2011 5:49 pm
Forum: Investing - Theory, News & General
Topic: Mortgage interest deduction
Replies: 21
Views: 2793

I'd appreciate your logic. Basically, our mortgage payments are pretty high but they amount to about 23% of my POST-tax take-home pay. I'm in the 35% bracket, so I do enjoy the benefit of the interest deduction while it lasts. But, also, I hate the fact of paying $36000/year right now in interest. I...
by jmbkb4
Mon Feb 28, 2011 12:32 pm
Forum: Investing - Theory, News & General
Topic: Mortgage interest deduction
Replies: 21
Views: 2793

Stratton,

I like your signature.

Thanks for the helpful comments guys.
by jmbkb4
Sun Feb 27, 2011 9:09 pm
Forum: Investing - Theory, News & General
Topic: Dodge & Cox
Replies: 21
Views: 5033

I owned DODGX and DODFX for a while. In addition to Financials, DODGX had big positions in Ford and GM, then sold them for big losses, before the GM bankruptcy, but also before Ford's comeback. Seems like they lost their touch when one of the senior managers retired a few years ago. There are bette...