Search found 494 matches

by InvestingMom
Wed Oct 22, 2008 4:20 pm
Forum: Investing - Theory, News & General
Topic: Tax loss question
Replies: 31
Views: 3977

Re: loss

If 3,000 is from a money market account does that matter? Also can choose to take the loss in 2010, 2011,2012 or do I have to take it in order. Not sure what $3000 you're referring to. You cannot (I assume) have a $3000 loss in a money market account. As far as I know you have to take the losses in...
by InvestingMom
Wed Oct 22, 2008 4:12 pm
Forum: Investing - Theory, News & General
Topic: Tax loss question
Replies: 31
Views: 3977

If 3,000 is from a money market account does that matter? Also can choose to take the loss in 2010, 2011,2012 or do I have to take it in order. I see you posted this same question in the other forum which is where it really belongs. I answered your post there. But to add to your further questions, ...
by InvestingMom
Wed Oct 22, 2008 4:04 pm
Forum: Investing - Theory, News & General
Topic: DOW heading below 3000?
Replies: 129
Views: 25110

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...
by InvestingMom
Wed Oct 22, 2008 3:59 pm
Forum: Personal Investments
Topic: Tax Loss
Replies: 3
Views: 1154

caveat...I am not a tax accountant so use advice at your own risk. It does not quite work that way. Interest is not considered capital gain. The way it works is you first net long term capital gains with long term capital losses. You then net short term capital gains with short term capital losses. ...
by InvestingMom
Wed Oct 22, 2008 3:50 pm
Forum: Investing - Theory, News & General
Topic: DOW heading below 3000?
Replies: 129
Views: 25110

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 be...
by InvestingMom
Wed Oct 22, 2008 3:36 pm
Forum: Investing - Theory, News & General
Topic: Is your pension safe these days?
Replies: 25
Views: 3982

DJW, Thanks for the post. My husband and I were just discussing this last night. It confirms my feelings exactly in that the pension is probably safe, but it becomes more and more likely it will be frozen. This is why I love the fact that defined-benefit pensions are going away. People complain that...
by InvestingMom
Wed Oct 22, 2008 11:27 am
Forum: Investing - Theory, News & General
Topic: Why dividend paying stocks?
Replies: 98
Views: 18980

[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...
by InvestingMom
Wed Oct 22, 2008 10:44 am
Forum: Investing - Theory, News & General
Topic: Why dividend paying stocks?
Replies: 98
Views: 18980

InvestingMom, Annual returns are important and divs are part of it; however, I think retirees will say that the income production capability of their portfolios is important too. I sort of feel like I am arguing a meaningless point since I believe dividend paying stocks tend to be value stocks whic...
by InvestingMom
Wed Oct 22, 2008 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Best book for Will/Trust issues
Replies: 18
Views: 3540

I went to my library and checked out Plan Your Estate by Denis Clifford & Cora Jordan Nolo Press I thought it great for explaining the difference between different types of trusts. It covers wills, trusts, probate, and the role of the executor. It can be understood by a lay person, but has lots...
by InvestingMom
Mon Oct 20, 2008 2:40 pm
Forum: Investing - Theory, News & General
Topic: Guess on market direction
Replies: 13
Views: 1988

You guys are so funny with your predictions (even when you say not really.) We have already seen this exact same post several times over the last couple of weeks...yeah the words are a little bit different, but essentially it says "the markets are still going down because we don't know what wil...
by InvestingMom
Mon Oct 20, 2008 2:28 pm
Forum: Investing - Theory, News & General
Topic: Redemptions hit all time high in September
Replies: 20
Views: 2885

Sounds like most Vanguard investors are staying the course though. Here is an inteview of Vanguard CEO Bill McNabb in which he indicates that they have not seen the same level of redemptions and even saw more money invested in equities last week: http://money.cnn.com/video/#/video/news/2008/10/20/ne...
by InvestingMom
Mon Oct 20, 2008 2:12 pm
Forum: Personal Investments
Topic: Stuck with Average Cost Basis. VTSMX worth keeping?
Replies: 31
Views: 7842

Re: Maintaining cost basis in sold fund?

It's not the wash sale rule that is being discussed. The question is whether one can change from using an average basis method to some other method, by liquidating all funds in the account and buying into the same mutual fund later. It seemed to me that the OP is trying to figure out whether he or ...
by InvestingMom
Mon Oct 20, 2008 2:02 pm
Forum: Personal Investments
Topic: Stuck with Average Cost Basis. VTSMX worth keeping?
Replies: 31
Views: 7842

Re: choosing shares

On a somewhat related point, when choosing which shares to sell for tax-loss purposes, it seems you are choosing between selling more expensive shares at a greater loss and setting yourself up for larger taxable gains in the distant future (on your cheaper shares), vs. harvesting smaller losses and...
by InvestingMom
Mon Oct 20, 2008 1:31 pm
Forum: Investing - Theory, News & General
Topic: New York Times on Cramer
Replies: 24
Views: 10410

Re: How much worse is Cramer vs. rest of CNBC?

How much worse is Cramer vs. rest of CNBC? Or for that matter any show on TV that states or implies this is what you now need to know to protect your money, of course after the fact. Bob This is to Bookshot too.... So because Cramer is not as bad as others (and I am not necessarily agreeing with th...
by InvestingMom
Mon Oct 20, 2008 1:16 pm
Forum: Investing - Theory, News & General
Topic: New York Times on Cramer
Replies: 24
Views: 10410

I wish they would do a parody of him on SNL. They did Suze Orman last week and it was pretty funny, but Cramer is the one who really deserves it. Well maybe they have already done him....like everyone else I have only recently started watching SNL again.
by InvestingMom
Mon Oct 20, 2008 1:02 pm
Forum: Investing - Theory, News & General
Topic: Vanguard CEO Bill McNabb on CNNMoney.com
Replies: 4
Views: 1972

Thanks for another good post. It is good to hear that Vanguard investors are staying invested for the most part. The interviewee had some pretty pathetic questions though, obviously showing that she had little understanding of what an index fund is.
by InvestingMom
Mon Oct 20, 2008 12:53 pm
Forum: Investing - Theory, News & General
Topic: "October '87: Crash and Comeback"
Replies: 28
Views: 4998

Gekko,

Thanks for your post.

It is all a matter of your time horizon. I am hopeful that the sky is not falling and that in 5 years...maybe as long as 10...we can look back on all of these posts and laugh at how we thought the world was ending.

IM
by InvestingMom
Mon Oct 20, 2008 12:39 pm
Forum: Personal Investments
Topic: Stuck with Average Cost Basis. VTSMX worth keeping?
Replies: 31
Views: 7842

Smurf, I agree with Taylor. I believe if you completely liquidate your holdings and buy back later then you can then choose what method to use going forward. I also agree with DJW, that it is highly unlikely to get audited on this sort of thing and that even if you did the IRS would have a hard time...
by InvestingMom
Mon Oct 20, 2008 12:13 pm
Forum: Personal Investments
Topic: Should I reinvest my dividends
Replies: 19
Views: 6069

Generally speaking, I agree that you should reinvest your dividends unless you have a need for cash. However, if you are in taxable accounts, for record keeping purposes, you might consider directing dividends to a money market account and then investing them when you re balance, say once a year. Th...
by InvestingMom
Fri Oct 17, 2008 1:58 pm
Forum: Investing - Theory, News & General
Topic: 17 years of returns: sobering (updated OP)
Replies: 123
Views: 26914

Yes thank you very much for this information. It is very interesting. It helps to continue to convince me that having a more balance portfolio is the way to go.

But remember it is only really relevant if I retired on 10/16 (or died ;-)
by InvestingMom
Fri Oct 17, 2008 1:49 pm
Forum: Personal Investments
Topic: Going All In
Replies: 69
Views: 15385

I would say that if you did okay with your asset allocation, then why change and why test it more? With over 3K of posts, you would think I would know your age and or if you are married, but I don't. These might be factors, but even so I think you are letting your emotions get the better of you. IMH...
by InvestingMom
Fri Oct 17, 2008 1:37 pm
Forum: Personal Investments
Topic: Proper weight of EM
Replies: 14
Views: 2696

And don't forget that funds like the FTSE All-World ex-US Index Fund include emerging markets....19% at 9/30...too afraid to look up what the number is now. What should a US investor consider when overweighting Pacific and EM stocks? You should consider what it is that you know that everyone else do...
by InvestingMom
Fri Oct 17, 2008 1:15 pm
Forum: Personal Investments
Topic: When can a 65-year-old jump into this market?
Replies: 7
Views: 2051

Elb, I don't think most of us boglehead's advice would change regarding coming up with a good asset allocation plan, just because of the recent market crash. That is, is this “crisis” and its likely aftermath designed only for youngsters of 55 or less? Of course the crisis wasn't designed for anyone...
by InvestingMom
Fri Oct 17, 2008 12:24 pm
Forum: Investing - Theory, News & General
Topic: Poll: How much further?
Replies: 124
Views: 22534

I didn't vote because first of all I don't know and dont care and secondly because I don't know which market you are referring to? I diversify so that over the long term, no one market will kill me. The precise market and other criteria of the poll were specified in the original post. Actually, may...
by InvestingMom
Fri Oct 17, 2008 11:35 am
Forum: Investing - Theory, News & General
Topic: Poll: How much further?
Replies: 124
Views: 22534

Besides, I figure everyone has a life outside this forum... They do? :? Apparently, only the real bogleheads have a life outside the forum because the forum seems to be in inundated with market timers, and doomsayers. (Besides me of course and a few others who are trying to tow the line :wink: ) Ed...
by InvestingMom
Fri Oct 17, 2008 11:01 am
Forum: Investing - Theory, News & General
Topic: Poll: How much further?
Replies: 124
Views: 22534

I didn't vote because first of all I don't know and dont care and secondly because I don't know which market you are referring to? I diversify so that over the long term, no one market will kill me.
by InvestingMom
Fri Oct 17, 2008 10:55 am
Forum: Investing - Theory, News & General
Topic: Timing the market is impossible...but buy and hold forever?
Replies: 32
Views: 6034

20/20 hindsight clear and simple.

I really hope that the moderators on the board can somehow capture all of these market timing posts we have been seeing over the last couple of weeks, so that we can pull them out and get a good laugh in 10 years from now.
by InvestingMom
Fri Oct 17, 2008 10:51 am
Forum: Investing - Theory, News & General
Topic: Calling the bottom (or the top)....
Replies: 15
Views: 2384

Valuethinker,
Do you have a point? Seems a little like random musings? :wink:

Seriously, you sound like my mom's old stock broker.

My take away from your post.....we don't know and so I will stick to my plan which I feel comfortable with in the long term.
by InvestingMom
Fri Oct 17, 2008 10:46 am
Forum: Investing - Theory, News & General
Topic: Buffett buys US stock in his personal portfolio-open letter
Replies: 65
Views: 13687

Great Post. Thanks Cashinstinct (I hope in spite of your name, you are invested in some equities.) I am glad to see that someone who is still relatively new to the board has not thrown in the towel like so many other so called bogleheads. My take on his article is that Buffet is simply trying to say...
by InvestingMom
Tue Oct 14, 2008 6:34 pm
Forum: Investing - Theory, News & General
Topic: 250 billion plan-Please help me w/questions
Replies: 6
Views: 1477

Thanks all. I am better understanding my second question...ie why plan A got abandoned so quickly. I understood why equity would shore up the balance sheets better than buying up bad assets, but what I did not understand was why the Treasury/Fed Reserve seemingly changed course so fast. It appears t...
by InvestingMom
Tue Oct 14, 2008 11:07 am
Forum: Investing - Theory, News & General
Topic: I can't believe I am thinking this [Panic and Survival 2008-09]
Replies: 434
Views: 284341

This is NOT a slam at Sheepdog, who did what he had to do. But it should be noted for the historical record (hey, I'm a historian by training) that the next trading day after he sold some of his equity holdings, major stock market benchmarks turned positive: Dow Jones Industrial Average: +11.1 perc...
by InvestingMom
Tue Oct 14, 2008 10:44 am
Forum: Investing - Theory, News & General
Topic: 250 billion plan-Please help me w/questions
Replies: 6
Views: 1477

250 billion plan-Please help me w/questions

Okay, so now we have the latest plan. Note that economics are not my strong suit, to say the least. Here are my questions: 1)How long does it take for the money to start flowing? I noticed that the banks have until Nov 14 to "sign up" for the preferred stock, although aparently many banks ...
by InvestingMom
Fri Oct 10, 2008 4:10 pm
Forum: Personal Investments
Topic: Mother of All Tax Loss Harvesting Threads
Replies: 254
Views: 70360

Excellent idea. I will throw in another link I have used recently (provided by a boglehead in a previous post).
http://www.qvmgroup.com/invest/archives/525

Use at your own risk :wink:
by InvestingMom
Fri Oct 10, 2008 4:02 pm
Forum: Investing - Theory, News & General
Topic: 1500 new posts in the last 24 hours !
Replies: 3
Views: 1387

Well the good news is that many people have been shaken up such that they are seeking advice and have landed in a good place. The bad news is that many of us (myself included) are trying to keep ourselves busy by posting silly comments...way too many sky is falling posts if you ask me....and trying ...
by InvestingMom
Fri Oct 10, 2008 3:55 pm
Forum: Personal Investments
Topic: Portfolio advice: Maxed out 401k/Roth. What now?
Replies: 7
Views: 1622

I am mostly giving you a bump because I saw your comment in another post that you had not received advice yet. Here are a couple of comments/questions: How much bonds and foreign does the Target Retirement 2045 and the Barclays Global Investors LifePath own? Remember to fill up your tax deferred acc...
by InvestingMom
Fri Oct 10, 2008 2:27 pm
Forum: Investing - Theory, News & General
Topic: Using the word "capitulation" makes you sound smar
Replies: 14
Views: 2939

Well as long as this board seems to be totally degenerating, I will join in and say I am sick of the word "liquidity". I am also sick of hearing all of the different analogies for explaining the liquidity crisis (just as I got pretty sick of hearing all of the analogies for explaining CDS'...
by InvestingMom
Fri Oct 10, 2008 10:17 am
Forum: Investing - Theory, News & General
Topic: Will the Last Diehard Please Shut Up?
Replies: 24
Views: 5263

Okay, I have capitulated. :wink:
by InvestingMom
Fri Oct 10, 2008 10:13 am
Forum: Investing - Theory, News & General
Topic: Best to stay the course
Replies: 11
Views: 3212

Thanks Verde. This is exactly what I needed. In the middle of the night last night (yes, I can now say that I am not sleeping and my bond allocation was too low, but nevertheless I am staying the course), I made a note to see if I could dig up this info and here it is. The most important fact is the...
by InvestingMom
Thu Oct 09, 2008 7:14 pm
Forum: Investing - Theory, News & General
Topic: I can't believe I am thinking this [Panic and Survival 2008-09]
Replies: 434
Views: 284341

Re: Staying the course

I feel exactly like sheepdog does. I have stayed the course since 1987 and I don't know how much of my money other people have gotten by the shares I have bought, but I have been good for them. (Note: I just now joined this forum so I am sure all this has been discussed to death, but I still need t...
by InvestingMom
Thu Oct 09, 2008 6:38 pm
Forum: Investing - Theory, News & General
Topic: I can't believe I am thinking this [Panic and Survival 2008-09]
Replies: 434
Views: 284341

Try this... Don't look at what the market does for another month. Impossible? Well probably, but the fact that we are all being blasted with the fact that the world is going to end is probably not helping your mindset. -Dave I like this idea too. Even stay off of this board. I find a lot of the pos...
by InvestingMom
Thu Oct 09, 2008 6:32 pm
Forum: Investing - Theory, News & General
Topic: I can't believe I am thinking this [Panic and Survival 2008-09]
Replies: 434
Views: 284341

Sheep Dog.... Don't do it! Please read what Larry said today...here is his post: http://www.bogleheads.org/forum/viewtopic.php?t=25059 Here is what he said: We have the equity risk premium rising from two fronts now Valuations are falling,but also the riskless alternative is now zero. So what are in...
by InvestingMom
Thu Oct 09, 2008 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Open letter to Vanguard web developers
Replies: 31
Views: 7534

Count me in. I still hate the changes. Sooooo slow.
by InvestingMom
Thu Oct 09, 2008 5:49 pm
Forum: Investing - Theory, News & General
Topic: The bear market is over
Replies: 242
Views: 80138

Hi, Wow, what a move. Looks like about 24% down from the point this bear was declared over :wink: I'll take a shot at a prediction and say that I think the lows of the last bear market will hold, at least for this move down. Who would have thought this move would have gone so far; that this would e...
by InvestingMom
Thu Oct 09, 2008 5:39 pm
Forum: Investing - Theory, News & General
Topic: Dodge and Cox market commentary, Oct 9, 2008
Replies: 27
Views: 5310

Very funny Bolivia (seriously). I found the article/report very interesting. Unfortunately, it isn't really possible to comment here since the report is somewhat political in nature...ie blaming financial "regulators' and federal govt. Ah well, I cannot help myself and have to say that I could ...
by InvestingMom
Thu Oct 09, 2008 3:31 pm
Forum: Investing - Theory, News & General
Topic: Investment Mistakes & Bear Market memories
Replies: 24
Views: 5210

Linda, I believe you are doing a bit of market timing. However, I would not fault you as I don't think waiting for 3 days of up markets is much of a trigger and I don't see how anyone can be faulted in a market like this for waiting. After all, who rebalances every day! Many folks (90% per the lates...
by InvestingMom
Wed Oct 08, 2008 12:16 pm
Forum: Investing - Theory, News & General
Topic: think of equity returns this way...
Replies: 14
Views: 2077

I'm not so bearish in regards to some of the assumptions you are making. I also have to disagree as to the absence of an "outside cause". The complete lack of regulation of the derivatives market and greed surrounding the sub-prime mortgage debacle (underwriting and sales of the mortgages...
by InvestingMom
Wed Oct 08, 2008 11:53 am
Forum: Investing - Theory, News & General
Topic: Need help persuading employer to offer access to Vanguard
Replies: 7
Views: 1609

First of all, you might change your tact a bit to first ask that the company consider adding more low cost funds and index funds that cover most of the major asset classes, rather than specifying they be Vanguard's. If it is a big company maybe baby steps would work better. Specifically with regard ...
by InvestingMom
Wed Oct 08, 2008 11:12 am
Forum: Investing - Theory, News & General
Topic: Any Good Economic/Investment News?
Replies: 40
Views: 6740

The average bear market lasts 14 months peak to trough (we are 12 months into this one). The average bear market results in an average 30% market loss (S&P 500 is down 36% from Oct 2007 high). Recessions typically last 2-3 quarters (concensus currently is that GDP will turn negatve Q4 2008). Th...
by InvestingMom
Wed Oct 08, 2008 11:04 am
Forum: Investing - Theory, News & General
Topic: So, how's diversification been workin' for ya?
Replies: 23
Views: 3736

Then too, most often (I think) decent authors make the point that the most important diversification is your allocation between stocks, bonds and cash, not the diversification within stocks alone. What Rodc said. greg24 Posted: Wed Oct 08, 2008 10:34 am Post subject: -------------------------------...
by InvestingMom
Wed Oct 08, 2008 10:43 am
Forum: Investing - Theory, News & General
Topic: What would be the fair way to help out bad mortgage holders?
Replies: 35
Views: 4021

Re: What would be the fair way to help out bad mortgage hold

Please stay away from discussing wether doing something is fair, or whose fault it is especially if going that route would lead down a Political path. Pretend that you're a newly appointed CZAR of fixing this and you are instructed that you MUST come up with a plan where the end result is that some...