Search found 2229 matches

by linenfort
Sun Oct 21, 2007 4:18 pm
Forum: Investing - Theory, News & General
Topic: I Bonds and the NEW Treasury Direct Sign In
Replies: 7
Views: 2045

Re: Linenfort

Two things about Treasury Direct 1-Sometimes their database lets me in and sometimes it does not. <snip> 3-Also, they have a tele. no. to call to answer questions and it is not 1-800. So we gotta pay them to answer questions they should have answered up front..........Sounds like M* all over again ...
by linenfort
Sun Oct 21, 2007 4:13 pm
Forum: Investing - Theory, News & General
Topic: The Economist and the Financial Times
Replies: 43
Views: 11272

Yes! :-)
by linenfort
Sun Oct 21, 2007 3:50 pm
Forum: Investing - Theory, News & General
Topic: The Economist and the Financial Times
Replies: 43
Views: 11272

Have you noticed the reading level of the Economist? I believe it is definitely much higher and "sophisticated" than most newspapers, including the Wall Street Journal. Really? The Economist has great content, and it's my favorite newspaper (in magazine form), but I feel the reading level...
by linenfort
Sun Oct 21, 2007 3:41 pm
Forum: Investing - Theory, News & General
Topic: I Bonds and the NEW Treasury Direct Sign In
Replies: 7
Views: 2045

I'm glad you posted this because I got myself locked out of my own account. I'm not a big believer in Security Questions since, unlike the case with a jumbly password, thieves have ways of obtaining info such as one's mother's maiden name. I put in false answers and promptly forgot them. When I get ...
by linenfort
Sun Oct 21, 2007 3:37 pm
Forum: Personal Investments
Topic: (Al)locating Plans w/ a Tiny IRA and a Large Taxable Account
Replies: 17
Views: 3954

Re: Human Capital Risk

linenfort, One thing you should consider in your situation is your human capital risk. What do I mean? Well, as a small business owner you automatically have a high level of risk built into your investment plan since your income is dependent on the success of your business. Sorry, Laura, I didn't s...
by linenfort
Sat Oct 20, 2007 7:33 pm
Forum: Personal Investments
Topic: Meaning of "Play $" "Gambling $" etc.
Replies: 21
Views: 4653

Yes, one man's gamble is another man's investment. Perhaps it's all about degrees of risk. But is risk also dependent on our perceptions? I agree that fewer stocks means more risk. But time is also an important factor. The longer you hold stocks, even a few of them, the more they (well, some of them...
by linenfort
Sat Oct 20, 2007 6:29 pm
Forum: Personal Investments
Topic: (Al)locating Plans w/ a Tiny IRA and a Large Taxable Account
Replies: 17
Views: 3954

Brad, no 401k yet, but I will be opening a solo 401k, which is perfect for a self-employed person who's married but filing separately. I think it's similar to a simple, but it will allow me to put even more of my income in each year.
by linenfort
Sat Oct 20, 2007 4:09 pm
Forum: Personal Investments
Topic: (Al)locating Plans w/ a Tiny IRA and a Large Taxable Account
Replies: 17
Views: 3954

Thank you for the link, Taylor. I'll take a good look. I also ordered two books that Laura recommended in another thread. As for your question, "why gamble at all?", it's easy to answer although likely impossible to justify: it's the human factor. Machines are getting very good at picking ...
by linenfort
Sat Oct 20, 2007 3:53 pm
Forum: Personal Investments
Topic: (Al)locating Plans w/ a Tiny IRA and a Large Taxable Account
Replies: 17
Views: 3954

Thanks, Tom. linenfort, what asset allocation are you trying to achieve? I'm in my late thirties, and I'd like to have 90% in equities unless there's some reason I shouldn't. Gambling money -- the purpose is entertainment. What is the minimum $$ amount you need in order to be entertained? The answer...
by linenfort
Sat Oct 20, 2007 3:06 pm
Forum: Personal Investments
Topic: (Al)locating Plans w/ a Tiny IRA and a Large Taxable Account
Replies: 17
Views: 3954

(Al)locating Plans w/ a Tiny IRA and a Large Taxable Account

While I love reading the allocating and locating advice here, such as Laura's recent advice to wannalearn, who has ~ 40% in retirement accounts, ( http://www.diehards.org/forum/viewtopic.php?t=7281 ) I've got a problem: 1.6% of my investable capital is in IRAs. The rest is in a taxable account. (Edi...
by linenfort
Fri Oct 19, 2007 11:45 am
Forum: Personal Investments
Topic: Favorite Fixed Income Investment!!!!
Replies: 17
Views: 5177

* Altria's dividend
* Vanguard PA Tax-Exempt MM
* Because it's all over this board, though, I am exploring TIPS.
by linenfort
Thu Oct 18, 2007 12:49 pm
Forum: Investing - Theory, News & General
Topic: "Outside investments" feature in Vanguard
Replies: 25
Views: 9873

I don't do it because if, Zod forbid, someone cracks into my Vanguard account, I don't want them to know about other accounts.
by linenfort
Sat Oct 13, 2007 3:29 pm
Forum: Investing - Theory, News & General
Topic: Have You Been Hit with AMT?
Replies: 30
Views: 8236

Very helpful responses, all of them, thank you!
I suppose that if capital gains put one at risk of AMT, then working toward tax efficiency does NOT increase the risk of paying an alternative minimum.

Let's see what December brings.
by linenfort
Sat Oct 13, 2007 11:54 am
Forum: Investing - Theory, News & General
Topic: Have You Been Hit with AMT?
Replies: 30
Views: 8236

Well yes, everyone pays at least the "MT".
Have you changed anything since the first year you had to pay "the surcharge?"
by linenfort
Sat Oct 13, 2007 11:50 am
Forum: Personal Investments
Topic: how much international exposure?
Replies: 21
Views: 6283

Re: how much international exposure?

bedhead wrote:Hi all,
How much international / emerging market are you investing in?
I have less than 20% in international.
Apparently, my behavior is inexcusable. :D
by linenfort
Sat Oct 13, 2007 11:23 am
Forum: Investing - Theory, News & General
Topic: Have You Been Hit with AMT?
Replies: 30
Views: 8236

Have You Been Hit with AMT?

If you have, did you modify your investing strategy as a result? Was AMT a consequence of pursuing a tax-efficient strategy? I have never had to pay AMT. I was looking at the calculator generously linked by grok87: http://www.hrblock.com/taxes/tax_calculators/index.html After I inputted all my incom...
by linenfort
Thu Oct 11, 2007 8:36 am
Forum: Personal Investments
Topic: How to invest windfall of 1.2 mil for early retirement now.
Replies: 23
Views: 6496

eddieg, You mentioned the possibility of filing separately, and you also wrote about opening Roth IRAs. Be careful , because unless the rules have changed since I last looked, it is very difficult to contribute to a Roth IRA if you are married_filing_separately. In fact, I think your income has to b...
by linenfort
Wed Oct 10, 2007 12:38 pm
Forum: Investing - Theory, News & General
Topic: What percent of your annual household income do you save?
Replies: 52
Views: 18059

Perhaps 0%, because I spend my salary,
but I also receive $x every year, tax free, and I invest 100%
of that. If that counts as household income, than the answer
is 42%. If you count reinvested dividends, then 50%.
by linenfort
Wed Oct 10, 2007 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Do Diehards prefer PC or Mac laptops?
Replies: 109
Views: 27308

I use a PC with Windows XP, but more importantly,
Vanguard can now be accessed with the Firefox browser.
by linenfort
Tue Oct 09, 2007 11:47 am
Forum: Personal Investments
Topic: Best option to hold high dividend stocks
Replies: 34
Views: 9097

Much appreciated, Andy, that's very useful information.

When you suggest limiting something to 10% of my portfolio, that should be measured by market value and not cost, right?
by linenfort
Mon Oct 08, 2007 4:03 pm
Forum: Personal Investments
Topic: Best option to hold high dividend stocks
Replies: 34
Views: 9097

Slight variation on dwbogle's strategy

Please hear me out, ladies and gentleman, and tell me if I'm nuts. I'm midway through Bogle's 'Common Sense on Mutual Funds', but I currently hold a lot of stocks which I chose largely for their tendency to consistently raise dividends . These 'dividend achievers' -- I use Mergent, like unclemick --...
by linenfort
Mon Oct 08, 2007 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Craigslist Meets WallStreet…Classic
Replies: 22
Views: 18714

This story made the Howard Stern show this morning.
Artie Lange wants to reply.
Everyone loved the investment banker's response, in which he referred to the Craigslist OP as a depreciating asset.
by linenfort
Sat Oct 06, 2007 10:06 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle's latest book is a total revelation!!!
Replies: 17
Views: 5675

Re: Jack Bogle's latest book is a total revelation!!!

bettega wrote:The Little Book of Sensible Investing
The Little Book of Common Sense Investing, no? At least,
that's what I found.
by linenfort
Sat Oct 06, 2007 3:59 pm
Forum: Investing - Theory, News & General
Topic: Any Nightly Business Report fans???
Replies: 4
Views: 1705

Yes. I watch NBR every night...until I'm called for dinner. I think you can stream it on the web now, for those of you who miss it due to broadcast rescheduling.
by linenfort
Thu Oct 04, 2007 9:21 am
Forum: Investing - Theory, News & General
Topic: ETF's vs. mutual funds
Replies: 11
Views: 4273

Re: You'll have to make multiple purchases

Lump-sum investing is statistically better than dollar-cost averaging, but it is only possible if you already have the money. <snip> if you are investing money as you earn it (in a taxable account) or as you are eligible to contribute it (in a 401(k) or an IRA), you'll make small purchases as you a...
by linenfort
Wed Oct 03, 2007 9:14 am
Forum: Investing - Theory, News & General
Topic: ETF's vs. mutual funds
Replies: 11
Views: 4273

Re: ETF's vs. mutual funds

does it make more sense to keep IRA money in Vanguard Admiral share mutual funds vs. equivalent ETF's assuming no trading costs? I agree with grabiner, and you can see this in action at Vanguard's site. If you look up an ETF, say VO, you will see a link on the right-hand side of your screen: Compar...
by linenfort
Sun Sep 23, 2007 7:18 pm
Forum: Investing - Theory, News & General
Topic: Municpal Bankruptcy Funds Risks?
Replies: 7
Views: 1653

I'm interested in this as well, because I use both the PA money market fund and the PA LT tax-exempt bond fund, although not a "huge chunk" like the OP. I know this is stating the obvious, but I guess step one is making sure you're in a high enough tax bracket to justify having so much in ...
by linenfort
Sun Sep 23, 2007 7:05 pm
Forum: Investing - Theory, News & General
Topic: Would Near Infinite Money Change Your Life?
Replies: 65
Views: 17105

I would like to think it would change the lives of those around me , although I would be an anonymous benefactor. As for me, I would focus on keeping myself and my wife alive to experience all the great new technologies that I believe are coming. Yes, I'm a futurist and a sucker for Ray Kurzweil boo...
by linenfort
Sun Sep 23, 2007 11:21 am
Forum: Investing - Theory, News & General
Topic: Can One Retire Primarily Off of Dividends?
Replies: 45
Views: 13806

Do people live off of dividend yields?

I was excited to see this question, because that's what I'm shooting for. Although I was a "Vanguard Index Fund baby" -- the funds were bought when I was very young -- I sold them to get into individual equities. (You can all throw the rotten tomatoes now). You might want to look into (goo...