Bogleheads.org

InvestingMom

Uh, maybe I'm just completely out of touch with most of America, but I think InvestingMom is way off-base here. You might hire a "reformed" poker player? Did I miss the part where the time machine whisked me back to the 1950s? The widespread and spectacular rise in popularity of poker in ...

InvestingMom

Rick, Thanks for the clarification. I didn't really think that you advocated buying individual stocks, but I wasn't sure if the OP got it and so I thought it was important for you to clarify. Now that I know he is only talking about a small amount, it probaby isn't that important. Planoguitarist, I ...

InvestingMom

You might just wait until Monday, when the 31 days are up. There is almost no expected cost from waiting three days to harvest a loss, since the average movement of the market in three days is trivial. (Yes, the market might go back up and your loss could turn into a gain to be offset by previous l...

InvestingMom

No way would I hire a poker player in a finance job. I might consider it if the person was reformed and it had been years ago, but i would wonder why they would then even include it on their resume. I don't know about the big banking firms, but I would have to think that they would not want to intro...

InvestingMom

My sister now rents. She waited as long as she could (without making payments) in her condo before it would affect her credit rating and then jumped. :evil: (poor unsuspecting landlord.) I also read an article about how many have moved back in with families and are doubling up. Many were probably li...

InvestingMom

Why tomorrow? Why not just wait a month and three days and move back into TSM from where you are now? Keep putting the TLH off until the next day. Jason Yeah, I agree with Jason. Why bother. Just wait until 12/15? I suspect you have already harvested quite a bit of losses. Why not save some time (i...

InvestingMom

For what it is worth, my husband begs me to buy Ford every day (this is from the guy who panicked a couple of weeks ago and begged me to sell our index funds). You guys are nuts to think that Ford or GM are going to have some miracle comeback. No miracle needed. Congress will simply give huge tax i...

InvestingMom

I certainly hope the various loan reduction plans being discussed are effective at keeping the herd paying since that is better for the economy and therefore better for me. However, if I encounter anyone who is actually in the situation of continuing to pay for value in a home that has been lost an...

InvestingMom

You yourself acknowledge that you don't have the proper knowledge, therefore you would only be gambling if you purchase these stocks. I am a little reluctant to recommend this because you say your are "recovering" and so perhaps you should stay 100% on the wagon, but if you think you can k...

InvestingMom

I subscribe to the following: Money-I usually find one or two articles of interest but mostly a bit too elementary, plus includes too much financial nonsense such as "best fund" lists. Kiplinger-Same as above Business Week-I love this magazine, but it is not geared towards personal finance...

InvestingMom

I always refer to my handy dandy consumer reports for anything electrical. I just looked it up and the highest rating is for the HPdf800. It has an excellent rating for ease of use. I looked it up online, but coincidentally I just got the hard copy 2009 buying guide in the mail a day or two ago and ...

InvestingMom

simplesimon wrote:After this is all over, I feel like any downturn won't phase me one bit. Thoughts?

After this is over, I don't think I will ever truly believe it is actually over. In otherwords, I will be much better prepared!

InvestingMom

Count me in as average....well maybe above average since I want to buy but my husband won't let me.

InvestingMom

Thanks for the post. Also thanks to Ariel and Matt for the link to Hussman. Interesting view and helps me to solidify my feelings that everything will work out in the long term.

InvestingMom

In one sense I think you are right (that we have not hit bottom) but for another reason. I just don't think we have quite seen a capitulation. To refer to Jason Zwieg again...check out his article Capitulation: When the Market Throws in the Towel http://online.wsj.com/article/SB122488709542968173.ht...

InvestingMom

Go get a degree. When I started college, I did not know what I wanted to do. Even if you end up geting a job later that did not require a degree to start, having a degree will help you to excel and possibly get promotions. You do write well, and so don't rule that out....many management jobs require...

InvestingMom

Can you mix using the specific lot method with avg cost method for DIFFERENT funds? In other words, could TLH on one fund using one method and TLH on another fund using the other as long as I stay consistent within the same fund? I believe you can treat different investments differently and so yes ...

InvestingMom

Last year I sent Vanguard an email on 12/31 (or the last trading day of the year...I don't recall if it was 12/31), executed transactions online and then after I returned from vacation early in January I followed up with a letter referencing my email and online transaction. Vanguard sent me a confir...

InvestingMom

Thanks Madsinger. I look forward to your monthly posts....ugly as it was for October. My take away is that I could have been in a coffee house portfolio (with 20% more bonds and 20% less international over the (almost) 10 yrs, 8 yrs and 6 yrs, and done just as well as the S&D (which is closer to...

InvestingMom

The declines in valuations are overblown, legendary investor and Vanguard Group founder John Bogle said Tuesday. "The value of the U.S. stock market was $18 trillion a year ago. And now it's about $9.5 trillion or let's call it $10 trillion with today's rally. Anyone who believes that American...

InvestingMom

Hi, Well its been a week and so I thought I would update those who responded. Bottom line is that the markets went up, my husband did nothing and I keep very quiet. Not such a good solution because no doubt the problem will resurface. I am hopeful the markets will settle down and over the next coupl...

InvestingMom

Stocks are cheaper than they have been since 1985. But still only slightly under long term averages. They are a solid value right now, but could still go down a ways. Bonds can outperform stocks in the long run. Don't mistake the unlikely for impossible. 80/20 is a more reasonable allocation, IMO. ...

InvestingMom

I would not get too carried away with the "bargains". On the other hand you have 30 years and so I would not say your plan is unsuitable. If it were me, I would still allocate 10-20% in bonds...consider tax free if your tax rate warrants it. Also, you don't say anthing about international,...

InvestingMom

Brokers usually have minimums and so I doubt that they are going to manage her account for less than $10-15K, depending on whether she goes with a fixed income portfolio only or a full portfolio. Additionally as suggested by others they will no doubt put her in actively managed mutual funds which ad...

InvestingMom

When I look at the performance metrics provided by Vanguard, does the Personal rate of return that Vanguard displays account for my random contributions throughout the year (i.e. non-periodic cash flows)? I ask this because I'm interested in accurately calculating my portfolio's annualized rate of ...

InvestingMom

Given the underperformance and costs of our current manager, we're thinking that it's time to consider a new advisor, in addition to perhaps managing the account ourselves. I've read posts from, and about, several advisors here, all of whom (Ferri, Swedroe, Evanson) seem to be very well regarded an...

InvestingMom

It seems that the folks in the high quality camp were right on. I think you may have drawn the wrong conclusion. Those same people might have suggested a higher equity ratio for 100% treasuries, as they would have attributed some equity risk to corporates vs. treasuries. So you might have had a hig...

InvestingMom

Thanks Lauren. I was starting to think I needed to increase my TIPS fund with all of the recent posts that have indicated that TIPS are a good buy right now. Your post helped put it back in perspective for me.

InvestingMom

Who would have ever thought a 10% or more gain would be so boring. (Well I guess the fact that I expect it all to disappear tomorrow does not help.)

InvestingMom

I have used this technique myself. I usually couch it under the term of "rebalancing" rather than "market timing". For example, emerging markets have gone down a little bit recently, so buying an equal amount yesterday (doubling up) to rebalance would have been a good move. The ...

InvestingMom

Even if you have all your assets held directly with Vanguard in their open-end funds, there are reasonable substitutes for pretty much any equity fund you would sell. - DDB When I read the Fool article this morning, I wondered particularly about a question I saw here last night about a suitable sub...

InvestingMom

So if the stock goes up then cool. I have a nice gain even though I have less loss to harvest (or maybe none at all.) If the stock goes down, not cool, I get to sell my shares at a real permanent loss. I would have been much better off to sell the original shares and put them in a money market accou...

InvestingMom

I think someone burned the popcorn and it is time to lock this post. Let the OP repost if he wants to discuss where the DOW might end up, but I feel strongly the religion needs to be left out.

InvestingMom

I also vote for doing it on your own. However, in your "adviser's" defense, you should really look at your portfolio in total, compare each fund to its logical benchmark and not compare your portfolio to the total stock market. Also as you state, the period you are looking at is pretty sho...

InvestingMom

Thanks everyone. I got a laugh from many of your comments. I also think it is interesting that so many of you keep your investments separate. You might change things as you get older and the distinctions between whose 401K is whose goes away and or you build up more in your taxable accounts. But any...

InvestingMom

Aren't all the tax deferred accounts in someone's name? For a legal standpoint, can't each member of a couple do whatever they want to do with their own accounts? I have always wondered about this. (Thankfully, my wife is not trying to get me to do something ill advised with our retirement funds.) ...

InvestingMom

Well, InvestingMom, I think your strategy is actually pretty good. Let him have a little control over some portion. If you are really only talking about cashing out 13%, there are worse problems than that. It's not going to make that much difference. The one concession I would try to get from him i...

InvestingMom

Adrian, Yeah, that was sort of my intention in assigning half to him and half to me, figuring that I could compensate. But that doesn't sound so honest in the end, and besides I could end up with nothing...ha ha. Hopefully he will throw me a bone. rroseenkoetter, I completely understand. I keep tell...

InvestingMom

Not sure where to post this. It is sort of in between investing help and personal Finance. Help, my husband is losing it. Most of you who have seen my posts know that I am a die hard boglehead...I am in this for the long run. Meanwhile my husband is ready to throw in the towel. If it were up to him,...

InvestingMom

Booo, I was hoping for some juicy stories. :thumbsdown :thumbsdown Looks like you might get them after all. If this string is not juicy enough then look for my next post. My husband is losing it. Well not sure if I will post or not, but lets put it this way...it is getting juicy at home today and i...

InvestingMom

Rick, Thanks for your post. I agree with most of it and so I am glad that you posted it. That being said, I cannot entirely agree with your third point. I would modify it to say something like, continue to use your plan for generating cash whether it be from living off of dividends, interest, etc or...

InvestingMom

SimpleSimon and JeffyScott,
I hope the popcorn did not get stale. :yawn

JeffyScott your emoticon was very funny, you should ask the moderators to add it (and it made me curious so I looked at the "veiw more emoticons" and as you can see I found some other good ones.)

InvestingMom

[quote="InvestingMom] In any case, what I know with 100% certainty is that I will be better off if I choose a fund that I think will have the best total returns. This is just simple math and I will never understand why people don't get that. There is an alternative mental image that is very co...

InvestingMom

Whoops. Sorry about that. I got it backwards. But it does not really matter as my point is that if your asset allocation plan indicates that you should buy more TSM, then go ahead and do it now. The fact that DODFX is down relative to TSM is not relevant. As far as tax loss harvesting, I thought you...

InvestingMom

Thanks for your post. I will help you turn off the lights because I am in for the long haul. Seriously, I think that many "true" bogleheads do not post and or are not on the board every day or very often. They might not even be looking at their monthly statements. They are comfortable with...

InvestingMom

I think if your asset allocation indicates that you need more international, you should should go for it now. DODFX is down more that the total stock market because the entire foreign market is down significantly more than domestic. Personally I don't see the foreign coming back soon (but there I go...

InvestingMom

CYA
Does anyone really listen to him anymore?

InvestingMom

I like the silly comment from the "advisor". "There is something strange about the market we're in. It's leading a lot of actively managed funds to make wrong decisions, and it's making their funds look bad in the short run," Courtney says. Of course one of the big arguments tout...

InvestingMom

yes its scary. my wife has made it very clear that she will divorce me if i do not sustain an acceptable income level yearly or if i fail to ensure a very comfortable retirement portfolio. so yes this has me very very uneasy these days. Please tell me you are joking. If she has actually told you th...

InvestingMom

And who are these great analysts? The ones who predicted we would be where we are at today? Just curious....where do they get 3,000? This is pure speculation. Don't watch CNBC anymore and don't surf so much. Even in this forum take it all with a grain of salt. If we all were so smart, we wouldn't b...

Bogleheads.org

Search found 494 matches

Re: Tax loss harvesting

Re: After this is all over...

Re: another tax loss question

Re: Bogle: declines in valuations overblown

Re: Question: Calculating annualized rate of return.

Re: Performance of advisors recommended on Bogleheads

Re: bond quality conclusion

Re: TLH - A Reverse Approach

Time to lock this post

Husband is losing it.