Search found 494 matches

by InvestingMom
Tue Oct 07, 2008 4:57 pm
Forum: Investing - Theory, News & General
Topic: Should your liquid reserves be higher in this market?
Replies: 7
Views: 1784

Personally, I like to have 2 years of living expenses liquid (in a money market account) in addition to any other short term cash needs. I have not changed this even with this crazy financial crisis. I don't look at my intermediate bonds as liquid but just consider them to be part of my bond allocat...
by InvestingMom
Tue Oct 07, 2008 2:32 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation Data
Replies: 2
Views: 871

For the most part I classify each fund in its dominate style. However, with the real broad funds (Total Stock market, extended market) I split them out using Vanguard's split. The Morningstar xray can get you quite a bit of detail but personally I felt I was getting tied up in knots like you so I we...
by InvestingMom
Mon Oct 06, 2008 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: What is Vanguard's official Flagship policy
Replies: 13
Views: 3461

Re: What is Vanguard's official Flagship policy

I think this week, we will likely go below our balance to qualify for Flagship. My parents make regular withdrawals (they are retired), but among our entire family (under the same household), we have a positive net contribution on a yearly basis into our accounts. Also, we qualified under the OLD q...
by InvestingMom
Mon Oct 06, 2008 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: What is Vanguard's official Flagship policy
Replies: 13
Views: 3461

livesoft wrote:Since there are no practical advantages to having Flagship status other than to tout it on this forum, why do you ask?
Having a bad day today?
by InvestingMom
Mon Oct 06, 2008 12:50 pm
Forum: Investing - Theory, News & General
Topic: Why dividend paying stocks?
Replies: 98
Views: 18980

Investing Mom, However, when the retiree portfolio relies too heavily on growth and it hits a rough patch the retiree can't rebalance from stocks to bonds. In fact he may have to rebalance from bonds to stocks, cutting into the income production capability of the portfolio over this period. Of cour...
by InvestingMom
Mon Oct 06, 2008 12:33 pm
Forum: Investing - Theory, News & General
Topic: Have you changed your life style?
Replies: 42
Views: 8242

Yeah we are definitely in a holding pattern. We are not cutting back so much on the small things, but we were thinking of going to Hawaii this Xmas and that is out....I have outdoor furniture I wanted to purchase but have put that off until next year... etc. Obviously we are very lucky to be in the ...
by InvestingMom
Mon Oct 06, 2008 12:14 pm
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
Mon Oct 06, 2008 11:43 am
Forum: Personal Finance (Not Investing)
Topic: 2008 BOGLEHEAD CONTEST. 3RD QUARTER UPDATE
Replies: 13
Views: 3188

This is so funny.... http://www.reuters.com/article/bondsNews/idUSBNG36407920081006 Looks like the big guys are peaking at the boglehead contest. I note that the average boglehead is predicting the S&P at 1512 and now this UBS guy has come up with the same conclusion. Ha Ha Ha Ha, etc. I really ...
by InvestingMom
Fri Oct 03, 2008 2:00 pm
Forum: Investing - Theory, News & General
Topic: Why dividend paying stocks?
Replies: 98
Views: 18980

Average Annual Returns are what matters. It does not matter if it comes from dividends or stock appreciation. It's annualized returns that matter, not average (i.e. add each year's percentage and divide by number of years) returns. After all if you have a year up 33% then a year down 33%, the avera...
by InvestingMom
Fri Oct 03, 2008 11:28 am
Forum: Investing - Theory, News & General
Topic: Why dividend paying stocks?
Replies: 98
Views: 18980

Re: Why dividend paying stocks?

Is there a study that says that dividend paying stocks have certain characteristics good for investors? Are they expected to do any good to the total return, assuming dividend themselves don't kill you? (That is, you can hold these funds in a tax-advantaged account or that you are in a very low tax...
by InvestingMom
Fri Oct 03, 2008 11:05 am
Forum: Investing - Theory, News & General
Topic: some "calming" thoughts perhaps
Replies: 6
Views: 1911

Thanks Larry. It really helps to hear from you during these "fun" times. Also, I heard you on the radio the other day...just a snippet where they asked you a few questions about what to do and of course you said...."stay the course" etc. Thanks again.
by InvestingMom
Fri Oct 03, 2008 10:46 am
Forum: Personal Consumer Issues
Topic: Investing book you would give your young adult child?
Replies: 33
Views: 6441

If this is their first book on investing, I would recommend "personal Finance for Dummioes" by Eric Tyson. I started my journey towards financial knowledge with that book. I voted for Bogleheads, but if the Tyson book was listed I would have voted for it first. The title might be a little...
by InvestingMom
Fri Oct 03, 2008 10:39 am
Forum: Investing - Theory, News & General
Topic: Why dividend paying stocks?
Replies: 98
Views: 18980

I think that one of my very first posts on Morningstar (which is how I found the bogleheads and have not really been back since) about a year or so ago related to this exact topic. Average Annual Returns are what matters. It does not matter if it comes from dividends or stock appreciation. Many of t...
by InvestingMom
Thu Oct 02, 2008 4:40 pm
Forum: Investing - Theory, News & General
Topic: The bear market is over
Replies: 242
Views: 80139

http://img201.imageshack.us/img201/6355/picture85dd9.png Nisiprius, You know that you have a mean streak don't you? (And I really can't believe I am giving this post a bump, but I got to thinking about this post today and sure enough there it was still on the first page. I guess Matt will never liv...
by InvestingMom
Wed Oct 01, 2008 2:14 pm
Forum: Personal Investments
Topic: Long term losses worth harvesting?
Replies: 6
Views: 1168

T..although in my case I have losses in funds I would really prefer to keep ... I have gotten over that behavioral finance trap as well. I have no investments that I would "prefer to keep". Everything is fair game for selling -- whether at a loss or a gain. :) Ah well...I guess you got me...
by InvestingMom
Wed Oct 01, 2008 2:11 pm
Forum: Personal Investments
Topic: Long term losses worth harvesting?
Replies: 6
Views: 1168

Thanks Livesoft. Hmmm did the rules change? I always thought that only ST losses could be deducted up to 3K. No, that was never true. What can be a mistake, however, is to take LT losses and gains in such a way that LT losses are wiped out by optional LT gains before they can be used against ST or ...
by InvestingMom
Wed Oct 01, 2008 1:31 pm
Forum: Personal Investments
Topic: Long term losses worth harvesting?
Replies: 6
Views: 1168

Thanks Livesoft. Hmmm did the rules change? I always thought that only ST losses could be deducted up to 3K. I agree with the behavior trap as well...although in my case I have losses in funds I would really prefer to keep and so I hate having to switch for 31 days and I don't want to be out of the ...
by InvestingMom
Wed Oct 01, 2008 1:02 pm
Forum: Personal Investments
Topic: Long term losses worth harvesting?
Replies: 6
Views: 1168

Long term losses worth harvesting?

I totally get that it is good to TLH for short term losses (although admittedly I have expressed reservations about squeezing out every dime.) But what about LT losses especially if you have built up quite a bit of ST losses? Without any ST losses, I think it would be better to take the LT losses be...
by InvestingMom
Wed Oct 01, 2008 10:57 am
Forum: Investing - Theory, News & General
Topic: Is it different this time? by DFA's Weston Wellington
Replies: 10
Views: 2809

Thanks. Excellent link which especially helped me after seeing some disturbing posts from very respected posters on this board.
by InvestingMom
Mon Sep 29, 2008 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: What to Do? (S&P plunged -8.8% today,)
Replies: 25
Views: 6778

Thanks Taylor. I almost made a post asking where you were today. It has gotten to the point that if I dont hear from you on days like this that I start to think that you threw in the towel. You will tell us if you ever do that, right? :wink:
by InvestingMom
Mon Sep 29, 2008 12:17 pm
Forum: Investing - Theory, News & General
Topic: Buffett's "time bomb" goes off on Wall Street
Replies: 10
Views: 3245

Thanks for the article. I don't know why, but the title ("Buffett's "time bomb" goes off on Wall Street") made me think of Jimmy Buffett, rather than Warren Buffett. ♫ Those credit default swaps For traders and big shots Buffett warned that they'd be a time bomb Now the crap's h...
by InvestingMom
Mon Sep 29, 2008 11:55 am
Forum: Personal Investments
Topic: VMCAX: tax loss harvesting
Replies: 1
Views: 772

Re: VMCAX: tax loss harvesting

Are there any vanguard funds that are "substantially identical" to VMCAX for "wash sale" purposes? For others who don't have the tickers memorized, VMCAX is the Tax Managed Capital Appreciation fund. So are you asking for a replacement fund for VMCAX which would not trigger the ...
by InvestingMom
Mon Sep 29, 2008 11:33 am
Forum: Investing - Theory, News & General
Topic: Emerging Markets = Worst Case Scenario
Replies: 14
Views: 2815

No one likes seeing these declines, but I focus on my total portfolio and am glad that I have chosen an asset allocation plan that I can live with. I may do some more TLH, but I am a bit lazy in this regard and don't feel as strongly that it matters (at least as far as wringing every dollar out)...a...
by InvestingMom
Mon Sep 29, 2008 11:17 am
Forum: Investing - Theory, News & General
Topic: Executive compensation
Replies: 18
Views: 2591

Re: Executive compensation

--EXECUTIVE PAY. Restrictions would be imposed on the compensation received by executives whose companies sell some of their bad assets through the government's purchase program. There would be tax restrictions on executive pay over $500,000 and limits on so-called "golden parachutes" for...
by InvestingMom
Fri Sep 26, 2008 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Need Financial Advice (Long)
Replies: 8
Views: 1637

Hi Stacey, Here is my 2 cents (and yes your post was very long and so you are getting a long one back :wink: ) First, take a deep breath. You are doing fine. You are still very young and the fact that you are being so conscientious about saving for retirement at 27 tells me that you will meet your g...
by InvestingMom
Wed Sep 24, 2008 4:35 pm
Forum: Investing - Theory, News & General
Topic: Is a value tilt ...
Replies: 49
Views: 5411

Is there a way to see the different risk (and possibly return) levels that come with different allocations to value? Do you use Vanguard? They have a portfolio tester where you can add in a value fund to your current portfolio and see the average return and the returns for the best and worst years....
by InvestingMom
Wed Sep 24, 2008 3:47 pm
Forum: Investing - Theory, News & General
Topic: Is a value tilt ...
Replies: 49
Views: 5411

It really depends on how much risk you are comfortable with. You might find the Fund Advice website to be helpful. It is Paul Merriman's website. This link gets you directly to an article which explains why Value might be right for you. http://www.fundadvice.com/articles/buy-hold/the-ultimate-buy-an...
by InvestingMom
Wed Sep 24, 2008 10:52 am
Forum: Investing - Theory, News & General
Topic: Vanguard Money Market at 4.05%
Replies: 107
Views: 28599

Spoke with my Vanguard Rep.....many are selling municipal bonds forcing the prices down, and thus yields up. He said, similar to earlier in the year, this will be temporary. Anyone else get the same info?...or a different story??? I got the same answer. Of course they can't say whether it is tempor...
by InvestingMom
Fri Sep 19, 2008 1:45 pm
Forum: Investing - Theory, News & General
Topic: Who says ETFs are more tax-efficient than funds?
Replies: 17
Views: 3153

Just Asking, Back to your original question, I too posted a similar question not long ago although because I had heard that ETFs were more tax efficient than the associated mutual fund, I was wondering why the data appeared otherwise. Here is the thread although it may make your head spin :wink: : h...
by InvestingMom
Fri Sep 19, 2008 1:05 pm
Forum: Personal Investments
Topic: Moving Money in a Volatile Market
Replies: 4
Views: 1393

Re: Moving Money in a Volatile Market

I am planning on moving retirement savings (time to retirement: 30 years) from an old 401k to Vanguard, and possibly from two Fidelity IRAs to Vanguard. The mutual funds are all down right now, of course. Is selling them now "selling low"? I would suppose it is. But, then if I buy somethi...
by InvestingMom
Fri Sep 19, 2008 12:53 pm
Forum: Investing - Theory, News & General
Topic: Did you manage to lose a loss yesterday? :-)
Replies: 28
Views: 5856

Re: Did you manage to lose a loss yesterday? :-)

Sounds like a contradiction in terms, I guess... but it's PRECISELY what I did yesterday. I figured it looked like the perfect day to pull the trigger on some serious Tax Loss Harvesting (for my portfolio anyway.... no flagships sailing around here for quite a bit more years :lol: ). All in all ass...
by InvestingMom
Fri Sep 19, 2008 11:15 am
Forum: Personal Investments
Topic: Amost embarrassed to ask....
Replies: 17
Views: 4572

Agree with PK that you need to come up with your asset allocation first. (In its simplist form this is just deciding the percentage of your portfolio that you will invest in bonds versus equities.) This is something the board cannot do for you....although we can give pointers. I would suggest you al...
by InvestingMom
Thu Sep 18, 2008 4:10 pm
Forum: Investing - Theory, News & General
Topic: Closed-end Funds now at very large discounts to NAV
Replies: 155
Views: 34073

OK, I see it. Missed that before even though I did check out the fact sheet. It says "Fund Term: 5 Years" and "Approximate Termination Date: 3/31/10." Seems pretty cut-and-dry to me. There isn't any way they can "weasel out" of terminating the fund, is there? As pstein...
by InvestingMom
Thu Sep 18, 2008 4:05 pm
Forum: Investing - Theory, News & General
Topic: Closed-end Funds now at very large discounts to NAV
Replies: 155
Views: 34073

Looks like BEP had a pretty good run. Feels good in a market like this to be up almost 10%. I should have bought more! Congratulations. However, I want to point out that I would not be surprised to find that many people made money (and an equal amount lost money) on short term trades today with the...
by InvestingMom
Thu Sep 18, 2008 3:09 pm
Forum: Investing - Theory, News & General
Topic: Aren't you glad your money is with Vanguard?
Replies: 15
Views: 3395

Yes, lets give it up to Vanguard (and I concede that safety is more important than a great website :wink: )
by InvestingMom
Thu Sep 18, 2008 3:03 pm
Forum: Investing - Theory, News & General
Topic: 50% loss seems like a lot? Look at EM
Replies: 47
Views: 10369

Well, in any case you gotta love emerging markets today!

As an aside.....Case in point for TLH immediately back into your asset allocation. i would be so pissed if I had sold yesterday and stuck this into cash...then again, lets see what tomorrow brings. :wink:
by InvestingMom
Thu Sep 18, 2008 11:56 am
Forum: Investing - Theory, News & General
Topic: How does your portfolio stand as of 09/17/08?
Replies: 44
Views: 7963

I never look on down days....I will tell you once we have a postive day. (please be soon!)
by InvestingMom
Thu Sep 18, 2008 11:52 am
Forum: Investing - Theory, News & General
Topic: After the last 3 days I am seeking advice
Replies: 24
Views: 4370

Re: After the last 3 days I am seeking advice

Seems like I always go here for sound advice so I going to do it again. On the verge of retirement, all my funds are in Vanguard, my desired AA has , for the most part, been 50/50. As of yesterday I reallocated to 60 Bonds/40 Equities. My question to you experts is what of the following options sho...
by InvestingMom
Thu Sep 18, 2008 11:34 am
Forum: Investing - Theory, News & General
Topic: Closed-end Funds now at very large discounts to NAV
Replies: 155
Views: 34073

Re: Closed-end Funds now at very large discounts to NAV

The thing that I also find interesting/tempting about CE funds bought at large discounts is the fact that, in effect, you can increase your dividend return. In other words you are getting the same amount of dividends for say an 80% cost (assuming a 20% discount.) I know that CEs are attractive to re...
by InvestingMom
Wed Sep 17, 2008 1:01 pm
Forum: Investing - Theory, News & General
Topic: What if buy and hold is not the way?
Replies: 363
Views: 60730

I don't think my holding of an index fund prevents anyone from doing research, buying non-index funds, or buying individual stocks. The free-riding behavior of indexers takes away money/resources that could be used for fundamental analysis. I don't think there is any danger that everyone will hold ...
by InvestingMom
Wed Sep 17, 2008 12:33 pm
Forum: Personal Investments
Topic: When You Buy Stocks or Bonds, Where Does The Cash Really Go?
Replies: 10
Views: 2285

I read the SIPC brochures, and it was interesting reading. It strikes me that if your brokerage goes under, one of two things may happen: - there may be an orderly transition to a new entity - there may not be On Monday, regarding Lehman, the SIPC said in part: SIPC President Stephen Harbeck said: ...
by InvestingMom
Wed Sep 17, 2008 12:10 pm
Forum: Personal Consumer Issues
Topic: Let's lighten it up a bit....
Replies: 29
Views: 6331

ryuns wrote:The market is crashing like Keith Richards after a three-day bender.

Ryan
too funny...lets just hope it doesn't end up the same as Jimi Hendrix...well maybe that wasnt too funny...I was never very good at telling jokes either
by InvestingMom
Wed Sep 17, 2008 12:00 pm
Forum: Personal Investments
Topic: Let's do a fantasied portfolio
Replies: 7
Views: 2084

I don't fantasize about what my portolio will be invested in, I fantasize about what the total amount will be. I hope it is large enough that I can invest it similar to what you have suggested and be able to sit back and not worry about it. Better yet, maybe I will just stick it in a target type of ...
by InvestingMom
Wed Sep 17, 2008 11:44 am
Forum: Investing - Theory, News & General
Topic: Hey, you, get back to work!
Replies: 12
Views: 3276

I think the reason I am here is for assurance. I especially like to read the posts on "Investing-Help with personal investments". I love it when I see requests for help...ie help me with my 401K...or newbie needs help with portfolio, etc., as if the world is going on as usual. It is going ...
by InvestingMom
Wed Sep 17, 2008 11:32 am
Forum: Personal Investments
Topic: When You Buy Stocks or Bonds, Where Does The Cash Really Go?
Replies: 10
Views: 2285

Hi, I went through this same thought process yesterday. I followed a post that Taylor posted about an article on morningstar which then led me to the SIPC site. Here is a press release they put out last March, and a related brochure. From what I can gather, just as Bysider indicated, it happens when...
by InvestingMom
Tue Sep 16, 2008 1:58 pm
Forum: Personal Investments
Topic: Bag Lady Worries!!!
Replies: 11
Views: 2951

Hi, I saw your post earlier, but figured I would let someone like Taylor or Laura give you specific advice, being the lazy person that I am and they much smarter! However, I thought I would comment by saying first of all, you look like you are doing just fine and I would not overly worry (of course ...
by InvestingMom
Mon Sep 15, 2008 4:42 pm
Forum: Investing - Theory, News & General
Topic: The bear market is over
Replies: 242
Views: 80139

Well I am glad (sort of) that we got to disprove him so fast and can now move on!
by InvestingMom
Mon Sep 15, 2008 3:57 pm
Forum: Investing - Theory, News & General
Topic: Lehman CEO's hubris contributed to meltdown
Replies: 11
Views: 2203

You know what also struck me after I read this article (thanks for posting) is ....where were the auditors in all of this? and what good have all of the new Sarbanes Oxley rules done for us?....if the CEO can just push aside the CFO and no one (ie the auditors) question this. How did Lehman and AIG ...
by InvestingMom
Mon Sep 15, 2008 3:45 pm
Forum: Personal Investments
Topic: (1st post) Young buck seeking advice on large trust fund.
Replies: 22
Views: 4075

You are falling into the most common trap of inexperienced investors...ie selling low and buying high. Please listen to Laura's advice. Do not do anything until you do some reading. I kind of disagree here. Until an investor comes up with a plan, I think the default should be to stay in cash rather...
by InvestingMom
Mon Sep 15, 2008 3:14 pm
Forum: Investing - Theory, News & General
Topic: What to do when stocks tumble?
Replies: 38
Views: 9121

Thanks Taylor. I always appreciate your advice.

Instead of selling, I am going to have to make a call to the travel agent and cancel the Christmas travel plans though.