Search found 494 matches

by InvestingMom
Sun Aug 03, 2008 5:45 pm
Forum: Personal Investments
Topic: Tax Managed Accounts/Value Investing
Replies: 8
Views: 1804

Tax Managed Accounts/Value Investing

Hi all, Most of my portfolio is in taxable accounts. I am thinking of doing some tax loss harvesting as well as re-balancing my portfolio. I also finally finished The Four Pillars of Investing and was reminded of Vanguard's tax managed funds. Since having been convinced that index funds were the way...
by InvestingMom
Wed Jun 11, 2008 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Son's inheritance--how to handle?
Replies: 13
Views: 2806

You should not feel bad about this at all. My husband and I just updated our estate paperwork and these same issues came up. Ask around and find a good attorney because he/she should be able to bring up all of these issues in a way so that you don't feel like the bad guy (after all it goes both ways...
by InvestingMom
Wed Jun 04, 2008 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: bifocal contacts ???
Replies: 7
Views: 2033

I have had the same problem as I have aged. I now use the bifocals but only one in one eye and a regular contact (for nearsightedness) in the other. I tried bifocals in both eyes but it drove me crazy because I was working at the time and spent a lot of time in front of the computer and the while th...
by InvestingMom
Fri May 23, 2008 11:18 am
Forum: Personal Finance (Not Investing)
Topic: What Book Are YOU Currently Reading?
Replies: 566
Views: 238591

"God Is Not Great: How Religion Poisons Everything" by Christopher Hitchens "The God Delusion" By Richard Dawkins "The Only Guide to a Winning Bond Strategy You'll Ever Need" by Larry Swedroe Finding hard to finish the last one... have been reading it on and off for we...
by InvestingMom
Fri May 16, 2008 3:47 pm
Forum: Investing - Theory, News & General
Topic: Why REITs?
Replies: 66
Views: 13773

The writings contained in the talmud were discussed by Larry Swedroe in one of his books. I will dig up the citation, and then post it. In the interim, I just wanted everyone to be aware that LH was restating a principle discussed by Larry. He might have averted the negative discussions by noting t...
by InvestingMom
Wed May 14, 2008 3:52 pm
Forum: Investing - Theory, News & General
Topic: Why REITs?
Replies: 66
Views: 13773

Actually, the referenced post should be deleted because I believe that it is inappropriate on this forum to discuss religion. I disagree. LH was referencing the Talmud from a historical perspective, to make the point that 1) land ownership is distinct from business and 2) that this has been the cas...
by InvestingMom
Wed May 14, 2008 3:45 pm
Forum: Investing - Theory, News & General
Topic: Why REITs?
Replies: 66
Views: 13773

professional asset allocators, like pension funds and endowments (eg Yale) treat investing in REAL ESTATE as a separate, 'alternative' asset class. This is because the cash flow characteristics for investors are so different from stocks: REAL ESTATE is like a hybrid between stocks and bonds. REITs,...
by InvestingMom
Wed May 14, 2008 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Topics for a high school personal finance unit
Replies: 42
Views: 10032

I also have to commend you for doing this. It reminds me to follow up with my son's high school teachers to ask them to do this as well (he starts HS next year.) Anyway, I also agree that SAVING and COMPOUND interest (including debt as the negative impact of compounding) are the 2 most important top...
by InvestingMom
Wed May 14, 2008 1:52 pm
Forum: Investing - Theory, News & General
Topic: Why REITs?
Replies: 66
Views: 13773

LH, That was the best damn post I've read in a long time! Cheers! Actually, the referenced post should be deleted because I believe that it is inappropriate on this forum to discuss religion. And of course a REIT is not not run like a consumer goods company. And neither is a consumer goods company ...
by InvestingMom
Tue May 13, 2008 11:58 am
Forum: Investing - Theory, News & General
Topic: Why REITs?
Replies: 66
Views: 13773

I am one of those who say you don't really need a REIT allocation (unless you understand that you are investing in a sector and know something about the sector). I don't believe that one should invest in a company (or group of companys) because they have a different corporate structure. Does that me...
by InvestingMom
Thu May 08, 2008 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: May 8, 2008 Happy Birthday Mr. Bogle
Replies: 14
Views: 4856

Happy Birthday

And Many More :!: :D
Happy Birthday :!: :!: :!: :!:
by InvestingMom
Thu May 08, 2008 11:07 am
Forum: Investing - Theory, News & General
Topic: S.S. at 62 or 66?? What would you do?
Replies: 61
Views: 15037

check out consurer reports

Check out this article in consumer reports. It might be helpful. Also do a search on bogleheads and you will see that this topic has come up before. http://www.consumerreports.org/cro/money/retirement-planning/social-security-10-07/overview/social-ov.htm?resultPageIndex=1&resultIndex=1&searc...
by InvestingMom
Fri May 02, 2008 11:35 am
Forum: Personal Investments
Topic: Vanguard as Trustee
Replies: 0
Views: 815

Vanguard as Trustee

I have been investigating whether to switch to Vanguard as the trustee of our estate in case we are gone before my son is old enough to manage the investments. One of the issues I have is that Vanguard will only be the trustee of financial assets (no real estate...or other tangible assets.) For thos...
by InvestingMom
Wed Apr 23, 2008 10:57 am
Forum: Investing - Theory, News & General
Topic: Csot Basis and Rebalancing
Replies: 2
Views: 972

It depends. I use Quicken and download and Quicken does everything for me. I can even review all of my lots and look for capital gains and losses by lot. If you do not have a good tool then I agree that it would be a nightmare. In your scenario it sounds like you (or someone) would be living off the...
by InvestingMom
Tue Apr 22, 2008 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: New Home Purchase Question
Replies: 4
Views: 1509

This really boils down to the age old question of whether to finance more of your house to invest it. My inclination would be to simply finance 80% of the whole thing...base price plus upgrades. (BTW-I am skeptical that the taxing authorities won't consider this part of the tax basis??? but that is ...
by InvestingMom
Tue Apr 22, 2008 2:28 pm
Forum: Personal Investments
Topic: REIT advice needed
Replies: 5
Views: 2227

Wow, this is about the third question on non-public Reits that I have seen in the last week or so. When I first looked on this forum I could not find anything about them.... 1. Should I just continue to hold these because they are a steady 6% and just try to cope with my nervousness about them, or 2...
by InvestingMom
Tue Apr 22, 2008 2:05 pm
Forum: Personal Investments
Topic: Huge Capital Loss Carryovers
Replies: 3
Views: 1170

Re: Huge Capital Loss Carryovers

I am not sure if you are only asking for advice on your capital losses or if you are also looking for more general investing advice, but since you said you are looking for some sage advice and that you just happened on this forum, can I recommend that you go to the top of the forum and read the stic...
by InvestingMom
Mon Apr 21, 2008 12:45 pm
Forum: Investing - Theory, News & General
Topic: Financial Advisors who Fire their Clients
Replies: 8
Views: 3191

Excellent article. The history was very interesting. Thanks for bringing this up and providing the link.
by InvestingMom
Sun Apr 20, 2008 9:04 pm
Forum: Investing - Theory, News & General
Topic: Sex and stock trading
Replies: 4
Views: 1917

Sex and stock trading

I got a laugh out of reading about this in the newspaper. http://www.mercurynews.com//ci_8991179?IADID=Search-www.mercurynews.com-www.mercurynews.com Here are a couple of quotes: But based on the findings of two recent research studies - one of them conducted on the Stanford University campus - it a...
by InvestingMom
Sun Apr 20, 2008 7:40 pm
Forum: Personal Investments
Topic: Should I sell my American Funds and buy All Index?
Replies: 21
Views: 4998

In my opinion the only question is how to migrate over to index funds (since I am already convinced that index funds are the way to go.) That being said, holding a small portion of your investments in actively managed is most likely okay and I believe AF has some very good funds. I would take a long...
by InvestingMom
Sun Apr 20, 2008 2:32 pm
Forum: Personal Investments
Topic: Windfall...Financial Advisor? Updated-Ready for More Advice!
Replies: 66
Views: 21177

Hi Heather, For some odd reason the only post that I saw when I made my last post was Leonards first post....otherwise I would not have made the comment about restarting a new thread. At the time I looked there was only Leonards and it had been a day or two? Anyway it sounds like Leonards suggestion...
by InvestingMom
Fri Apr 18, 2008 2:09 pm
Forum: Personal Investments
Topic: Advice, please, for our 80-year-old mother
Replies: 15
Views: 2735

Re: Advice, please, for our 80-year-old mother

I agree with many of the points already made about cutting back expenses and the fact that you are focusing too much attention on how to invest this small sum so I won't repeat any of that...Here are a few comments though. Regarding this comment: Note : The sister who advocated a more aggressive app...
by InvestingMom
Fri Apr 18, 2008 12:54 pm
Forum: Personal Investments
Topic: Non Traded REITs and the Master Plan
Replies: 17
Views: 5451

Re: Non Traded REITs and the Master Plan

I listen to Ray Lucia about every day - and his buckets plan. My wife and I are about 60. I work, have 401k plus some Vgard - an IRA, other funds - my wife rolled her 401k worth over 100k to a Vgard IRA. I went to RJL planning and they say that we should move all the IRA money to their 3 Non Traded...
by InvestingMom
Fri Apr 18, 2008 12:44 pm
Forum: Personal Investments
Topic: Windfall...Financial Advisor? Updated-Ready for More Advice!
Replies: 66
Views: 21177

I was so glad to see that you decided to do this on your own. Based on your message it sounds like you are off to a good start. Here are my comments: First of all, you might consider starting a new thread and shorten your message a bit...maybe add a few bullets (use List above) and I think you will ...
by InvestingMom
Tue Apr 08, 2008 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Experiences with corporate trustee
Replies: 7
Views: 3331

Check out this discussion in the investing portfolio help forum. Perhaps you have seen it by now, but thought you might be interested.

http://diehards.org/forum/viewtopic.php?t=15468
by InvestingMom
Tue Apr 08, 2008 3:15 pm
Forum: Personal Investments
Topic: Choosing a Trustee/Vanguard trust services?
Replies: 19
Views: 14827

I am also interested in using Vanguard National Trust co (which is a sub of Vanguard). Does anyone know if they invest in Vanguard funds only or whether you can specify that they only invest in certain funds. I also wonder if you can specify the asset allocation plan or can you rely on them to come ...
by InvestingMom
Tue Apr 08, 2008 12:13 pm
Forum: Investing - Theory, News & General
Topic: Non-traded REIT Comparison
Replies: 14
Views: 8609

One thing you should do immediately if you have not done this already is make sure the dividends are not being reinvested. Of course I would redeem the whole thing...but at a minimum get your dividends out.
by InvestingMom
Mon Apr 07, 2008 12:33 pm
Forum: Investing - Theory, News & General
Topic: Non-traded REIT Comparison
Replies: 14
Views: 8609

Re: So what to do

I am just sick because I have two Private Reits (Wells II and Hines) Wells is a 9% surrender and Hines is 5%. What would be the positive and negative things of selling now? IE - In two years (2010) my wife retires and I am already retired. Should I wait until then to cash out for tax purposes? God ...
by InvestingMom
Mon Apr 07, 2008 12:18 pm
Forum: Investing - Theory, News & General
Topic: Vanguard index funds much above average
Replies: 28
Views: 6478

Re: WSJ Quarterly Analysis

I would love to see this article or report. I am not a subscriber to the Wall street journal. Is there any way to get this? Is it online? I would like to know more about how they ranked the funds. Well maybe I will go see if this report is at the drug store. Thanks Taylor! [/i] Hi Investing Mom: Mo...
by InvestingMom
Fri Apr 04, 2008 3:04 pm
Forum: Investing - Theory, News & General
Topic: Vanguard index funds much above average
Replies: 28
Views: 6478

I would love to see this article or report. I am not a subscriber to the Wall street journal. Is there any way to get this? Is it online? I would like to know more about how they ranked the funds. Well maybe I will go see if this report is at the drug store. Thanks Taylor!
by InvestingMom
Fri Apr 04, 2008 2:49 pm
Forum: Investing - Theory, News & General
Topic: Non-traded REIT Comparison
Replies: 14
Views: 8609

Please listen to Straton. I don't think his reply was originally to me, but it could have been. My mother was also talked into one of these with Wells Capital. One chunk for her taxable account, which was completely inappropriate, and one for her IRA. Just this month I was finally able to redeem bo...
by InvestingMom
Fri Mar 28, 2008 7:27 pm
Forum: Investing - Theory, News & General
Topic: Non-traded REIT Comparison
Replies: 14
Views: 8609

Please listen to Straton. I don't think his reply was originally to me, but it could have been. My mother was also talked into one of these with Wells Capital. One chunk for her taxable account, which was completely inappropriate, and one for her IRA. Just this month I was finally able to redeem bot...
by InvestingMom
Mon Mar 17, 2008 12:42 pm
Forum: Investing - Theory, News & General
Topic: Ways to Stay Calm in Bad Markets
Replies: 27
Views: 6575

I remember what my mother who is her 70's told me when I asked her if she was worried. "Pretty much everyone else is in the same boat so relatively I am still in the same place...which is okay." This sounds a bit simple, but when you think about it, it makes a lot of sense. Personally, I f...
by InvestingMom
Mon Mar 17, 2008 12:16 pm
Forum: Investing - Theory, News & General
Topic: Shd I invest $500,000 if crash comes by NON-TIMER
Replies: 11
Views: 2982

If a person starts out more comfortable with DCA they should stick with it. Nothing changes if the market falls or goes up...it will continue to have the same odds of going up or going down! Remember the markets are influenced by many things besides the economy.
by InvestingMom
Mon Mar 17, 2008 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Upcoming PBS Special:
Replies: 34
Views: 13981

Re: Emma:

The PBS Complete Austen series returns Sunday, March 23 with the 1996 BBC adaptation of Emma. Here is a preview of the opening. regards, Thanks for the info. I was wondering what happened to them! I noticed HBO showed Emma last week which I caught on DVR and have not watched yet, but I was begining...
by InvestingMom
Mon Mar 17, 2008 12:04 pm
Forum: Investing - Theory, News & General
Topic: The benefits of a bear market
Replies: 72
Views: 24520

Yin and the Yang.

But seriously, it reminds us to appreciate it when times are good (and when you think about it, times are not so bad anyway...from a financial perspective...if you have done your asset allocation homework correctly.)
by InvestingMom
Thu Feb 07, 2008 12:08 pm
Forum: Personal Investments
Topic: ECONOMIC FORECASTS ?
Replies: 5
Views: 1521

Re: ECONOMIC FORECASTS ?

Hi Taylor,
Thanks, I needed this after the last couple of days.
BTW-You do mean conducted in 2006 for 2007 I believe.

Investing Mom
by InvestingMom
Tue Feb 05, 2008 12:51 pm
Forum: Personal Investments
Topic: Handling deposits/withdrawals while estimating % of return
Replies: 15
Views: 3817

Gummy is correct that if you are looking at a certain period, say a year or say a 10 year period, it is not necessary to add in the dividends but to just look at your ending balance. To be technically correct, if you are looking at Gummy's example and you said that the difference between Sally and S...
by InvestingMom
Fri Feb 01, 2008 8:15 pm
Forum: Personal Investments
Topic: Roth IRA vs. index fund
Replies: 6
Views: 5368

You don't have to choose between an IRA or an index fund. First choose whether you want to invest in a tax advantaged account such as an IRA (The answer will mostly depend on how long you can invest the money. If you are investing for retirement then an IRA makes sense. If you will need the money be...
by InvestingMom
Thu Jan 24, 2008 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Upcoming PBS Special:
Replies: 34
Views: 13981

Thanks Barry. I caught the first two and have been worried that I would not catch the next ones. It looks like they are always scheduled on Sundays so now I can relax.

Also, I have enjoyed your writings and visited your blog. Thanks again.

IM
by InvestingMom
Thu Jan 24, 2008 4:13 pm
Forum: Investing - Theory, News & General
Topic: Jim Cramer's Crystal Ball - Funny Video
Replies: 9
Views: 3058

Sick Man

Well you brought me out of my lurking. I guess my sense of humor is lacking today because this video just made me mad. Cramer is a very sick person. Do you think he actually believes the stuff he says, or does he think he has so much power that he can actually move the markets? The worst part about ...
by InvestingMom
Wed Jan 16, 2008 3:53 pm
Forum: Personal Investments
Topic: Rookie Mistake
Replies: 16
Views: 3104

You should consider slowing down. Read the posts at the top of this forum about Investing Planning authored by Laura as well. It will help you decide which assets to put in your taxable accounts versus tax deferred. Sell those foreign funds (at least you may get short term capital losses?) put them ...
by InvestingMom
Wed Jan 16, 2008 3:25 pm
Forum: Personal Investments
Topic: Switching from stocks to mutual funds in a 401K
Replies: 2
Views: 727

The sooner you switch them out the better. All things being equal, I would start selling the stocks asap and then buying into your asset allocaiton plan. Please consider a core (if not all) of index funds. You might DCA (invest smaller amounts over an extended period such as a year) into your new fu...
by InvestingMom
Wed Jan 16, 2008 3:08 pm
Forum: Investing - Theory, News & General
Topic: Book or Online souce for Tax Deferred investing
Replies: 5
Views: 1126

Thanks Livesoft, that was helpful. I wonder if there is anything out there that is more comprehensive though? I dunno. I don't think you can get more comprehensive on Roth IRA than http://fairmark.com/rothira/ Next best place is www.irs.gov and Publication 590: http://www.irs.gov/publications/p590/...
by InvestingMom
Wed Jan 16, 2008 2:48 pm
Forum: Investing - Theory, News & General
Topic: Book or Online souce for Tax Deferred investing
Replies: 5
Views: 1126

Thanks Livesoft, that was helpful. I wonder if there is anything out there that is more comprehensive though?

Ken250-Thanks, I agree. But I always like to do my reading before hand.
by InvestingMom
Wed Jan 16, 2008 2:03 pm
Forum: Investing - Theory, News & General
Topic: A personal question about retirment savings
Replies: 56
Views: 9656

If you have done the calculations and you are worried then it is time to consider increasing your savings percent. Only you can answer that because only you can estimate how much you may need to live on. A big factor of course is where you live and/or where you intend to retire. We were at about the...
by InvestingMom
Wed Jan 16, 2008 1:46 pm
Forum: Investing - Theory, News & General
Topic: Book or Online souce for Tax Deferred investing
Replies: 5
Views: 1126

Book or Online souce for Tax Deferred investing

Can any of you recommend a good thorough book/guide/website that best describes 401ks, IRAs, Roth, After tax accounts? Most of the investing books touch on these...stressing that we should use these accounts of course..... but I would like something more in depth and which is up to date on the curre...
by InvestingMom
Wed Jan 09, 2008 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about using Quicken financial software
Replies: 20
Views: 3735

You raise a good point-after I download I compare it to the paper version Vanguard mails me. When they match-the paper copy is stamped "ENTERED" and then archived. I think this handles your concern-or is there a better way? Bob I am afraid you are missing the point. The purpose of running...
by InvestingMom
Wed Jan 09, 2008 12:45 pm
Forum: Investing - Theory, News & General
Topic: Poll: What you do when the market goes down?
Replies: 46
Views: 11204

I don't do anything special accept worry! But I don't worry about my investments, I worry that my husband (and my mother) will start to lose faith.
by InvestingMom
Wed Jan 09, 2008 12:33 pm
Forum: Investing - Theory, News & General
Topic: FAQ on international funds from Vanguard
Replies: 18
Views: 7969

Nice summary

Overall, this looks like an excellent summary. As always I am amazed at how generous the diehards are with their time. Here are a few small comments/questions: How significant is the foreign tax credit? If it is possible to quantify this...even within a range...it would be helpful. I had understood ...