Search found 251 matches

by catchup
Wed Apr 22, 2009 3:00 pm
Forum: Personal Investments
Topic: REITs or taxable bonds in 401k
Replies: 10
Views: 3647

Another option to consider is a Vanguard Variable annuity for some of your REITs or bond holdings. This is presented merely as a consideration, not necessarily as a recommendation, since I claim no expertise. Pros and cons of variable annuities have been discussed elsewhere on this forum.
by catchup
Wed Apr 22, 2009 12:17 pm
Forum: Investing - Theory, News & General
Topic: Cramer goes Postal on Bogle and Indexing
Replies: 52
Views: 10556

Taylor, Referring to the entire CNBC discussion, visible on Youtube, my plan is among the vast majority of plans that are really bad, as he discussed. He then discusses alternatives in the context of what to do instead, including after tax investments. He then argues with a woman about whether or no...
by catchup
Wed Apr 22, 2009 11:57 am
Forum: Investing - Theory, News & General
Topic: Cramer goes Postal on Bogle and Indexing
Replies: 52
Views: 10556

ddb, You make some good points. Although I mentioned I am losing money, my main concerns are that I am have lost ane will lose money to excessive expenses, record keeping fees, and possibly an undesired active management strategy. Generally, though you make a good point. Second, I have no match. My ...
by catchup
Wed Apr 22, 2009 11:41 am
Forum: Investing - Theory, News & General
Topic: Cramer goes Postal on Bogle and Indexing
Replies: 52
Views: 10556

Adrian, thanks for that reference. Looks useful. I will review it in detail and do the math as you suggested.

Catchup
by catchup
Wed Apr 22, 2009 1:58 am
Forum: Investing - Theory, News & General
Topic: Cramer goes Postal on Bogle and Indexing
Replies: 52
Views: 10556

What about the point that Solin was making about not using 401k's? Do people agree? I am investing in a couple of funds in my 401k, maxing out, losing money, of course, and paying high fees. Do the tax advantages and the advantage of creating more tax-deferred space for the long run offset the highe...
by catchup
Sun Apr 12, 2009 9:35 pm
Forum: Personal Consumer Issues
Topic: TLH questions long term capital gains vs. short-term
Replies: 1
Views: 918

TLH questions long term capital gains vs. short-term

I am thinking of selling off 100% of my all-world ex-us (12k) and buying total international for TLH purposes (5-6k of losses). A couple questions: 1. Is it less of a "red flag" to transfer to a money market and then buy the replacement fund, or is it ok to do a direct exchange between international...
by catchup
Sun Apr 12, 2009 4:16 pm
Forum: Investing - Theory, News & General
Topic: Total International merging with FTSE All World Ex. US?
Replies: 41
Views: 9773

Is there any concern that all world ex-US and total international overlap too much to hold up in an audit if exchanged for TLH purposes, or are they significantly different?
by catchup
Tue Apr 07, 2009 12:37 pm
Forum: Personal Investments
Topic: tax-exempt bond fund
Replies: 5
Views: 1652

Thank you for your responses. My impression at this point is that these tax-exempt muni based bond funds are attractive, but not as safe as treasuries as a long term investment, nor as safe as cash/mutual funds for short term use. So if I am planning on parking 20% in fixed income outside of a tax-a...
by catchup
Sun Apr 05, 2009 10:01 pm
Forum: Personal Investments
Topic: tax-exempt bond fund
Replies: 5
Views: 1652

tax-exempt bond fund

I would appreciate people's thoughts on tax exempt bonds, since I am exploring them as an asset class option for my portfolio. Currently, I have fixed income divided between cash, TIPS, and Intermediate treasury securities, with the latter two gradually increasing in proportion as I 1) pay off my st...
by catchup
Wed Apr 01, 2009 11:10 am
Forum: Investing - Theory, News & General
Topic: "How a Second Grader Beats Wall Street" -- A Gem
Replies: 79
Views: 24724

Daretobedull,

Thanks for your response! And thanks for your lessons.

Catchup
by catchup
Tue Mar 31, 2009 8:56 am
Forum: Personal Consumer Issues
Topic: Questions regarding Yale University
Replies: 71
Views: 10416

I graduated from Yale, and I can say that one's undergraduate degree is by far not the most important thing for a young kid 18-22 years old. His ability to manage time, his maturity, happiness, health, perspective, social skills, emotional intelligence, the degree to which he is well-adjusted, focus...
by catchup
Mon Mar 30, 2009 11:42 am
Forum: Investing - Theory, News & General
Topic: "How a Second Grader Beats Wall Street" -- A Gem
Replies: 79
Views: 24724

Daretobedull,

I read the recent article about going back to school.

What did you mean by 10-2=8. Was that a reference to the 80/20 stock/bond allocation?

Thanks.
by catchup
Fri Mar 27, 2009 7:40 pm
Forum: Personal Investments
Topic: Help a Marine with his Portfolio and Asset Allocation
Replies: 7
Views: 2036

Swensen has given a few recent interviews, and he sticks to his playbook in spite of the downturn. You can find them by googling swensen under google news or swensen interview under google, or swensen in this forum. For what it's worth, my personal desired asset allocation is based on Swensen: 30% V...
by catchup
Fri Mar 06, 2009 6:35 pm
Forum: Personal Consumer Issues
Topic: Contest: call the market bottom as it occurs!!
Replies: 29
Views: 4478

VEIEX bottomed on November 20. (Emerging Markets) Buy now.
by catchup
Fri Mar 06, 2009 9:03 am
Forum: Investing - Theory, News & General
Topic: Reasons to be cheerful
Replies: 57
Views: 8984

My newest tax deduction is scheduled to arrive next month. 34 months and still healthy. Getting an ultrasound today. (Of course, I am being intentionally facetious by referring to the greatest joy of my life (my children) as tax deductions, so don't take offense!)
by catchup
Wed Feb 11, 2009 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Business Mileage Tracking: Need Help
Replies: 13
Views: 2591

Thanks for all of the useful input. I decided to get a 300 dollar navigation device Telenav Shotgun with mileage tracking capability for 10 bucks a month after the first three months free. It has internet capability so it automatically sends a log straight to an internet accessible account. I'm cons...
by catchup
Sun Feb 08, 2009 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Business Mileage Tracking: Need Help
Replies: 13
Views: 2591

I think I found one called telenav shotgun. 300 dollars plus a monthly fee after the first three months. I think it would pay for itself...
by catchup
Sun Feb 08, 2009 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Business Mileage Tracking: Need Help
Replies: 13
Views: 2591

deepdrive, Yes, of course, I should probably do that. For me, personally, it's easier said than done. Imagine being paged from REM sleep at 2 AM with 12 minutes to get to a level I trauma, driving home at 5:00, waking up two hours later, driving in half awake to get somplace, already almost late, tw...
by catchup
Sun Feb 08, 2009 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Business Mileage Tracking: Need Help
Replies: 13
Views: 2591

Business Mileage Tracking: Need Help

I am desperately in need of help finding a system of logging business miles. I'm finding it very hard to do it manually, I make a lot of trips at all hours of the day and night, sometimes on emergency runs. I drive in two separate cars, and just can't seem to reliably write down my miles. Has anyone...
by catchup
Tue Feb 03, 2009 9:31 am
Forum: Personal Investments
Topic: Start a portfolio vs paying student loans
Replies: 4
Views: 1563

I am making a physcian's salary and carrying loans, so perhaps I can speak to your situation. Looking back, I wished I had taken advantage of tax deferred/tax-advantaged savings throughout my residency. I would have had a much more substantial portfolio starting out. My wife agrees with the point ab...
by catchup
Thu Jan 29, 2009 8:03 pm
Forum: Investing - Theory, News & General
Topic: Swensen on Charlie Rose
Replies: 7
Views: 2376

LBill, Swensen has said a few things regarding the downturn. Paraphrasing: In the Spring, he was able to benefit from some of his investments even in the face of the downturn, shorting etc. Hence, the 4.5% return through June, even in the midst of the housing crisis. He also said around that time, t...
by catchup
Sat Jan 24, 2009 7:22 am
Forum: Personal Investments
Topic: 529 Help
Replies: 3
Views: 984

Congratulations!

Interesting question. I immediately went for the state tax deduction, thinking it was free money. You're smart to consider fees into the equation.
by catchup
Mon Jan 19, 2009 11:18 am
Forum: Personal Consumer Issues
Topic: Honda Pilot
Replies: 35
Views: 5767

We have a 2008 Honda Pilot, and we've been very satisfied. My pregnant wife and 3 year old spend a lot of time in it, and I feel extremely safe. Handles very well on snow, ice, anti-lock break systems and technology are serving us very well. My own dilemma is what to do with our 2000 GMC Sonoma, sin...
by catchup
Mon Jan 19, 2009 10:59 am
Forum: Personal Investments
Topic: Shiller's finance course available for free online audit
Replies: 11
Views: 3361

Shiller's finance course available for free online audit

I have just started "auditing" Shiller's online finance course at Yale. It's a wonderful resource, with many other fascinating courses available. Started doing it for some intellectual stimulation and diversion. Thought others her might be interested as well. Includes a guest lecture by Swensen and ...
by catchup
Fri Jan 16, 2009 3:39 pm
Forum: Investing - Theory, News & General
Topic: Swensen's Pioneering Portfolio Management
Replies: 16
Views: 5834

Does Swensen propose any new scarecrow portfolio suggestions? Does he, for example, suggest a larger allocation to emerging marketst than he did in 2005?
by catchup
Fri Jan 16, 2009 12:48 pm
Forum: Investing - Theory, News & General
Topic: Swensen's Pioneering Portfolio Management
Replies: 16
Views: 5834

Is there anything in this book for individual investors (old or new editions) that is not already covered in Unconventional Success?
by catchup
Fri Jan 16, 2009 12:46 pm
Forum: Investing - Theory, News & General
Topic: Swensen's Pioneering Portfolio Management
Replies: 16
Views: 5834

In recent interviews (paraphrasing), he acknowledges that every asset class faced losses with the exception of treasuries, as a result of the massive flight to safety. If you followed his advice, he says, then 30% of your portfolio would have been well-protected and has done fairly well. The rest to...
by catchup
Thu Jan 15, 2009 8:15 pm
Forum: Personal Investments
Topic: Investing in TIPS
Replies: 23
Views: 5161

Mel, Thank you for pointing that out. I did overlook the fact that the OP was referring to tax exempt bonds. Should have been more careful in my reading. However, it does raise the idea that if/when I do run out of room in my IRA, I might want to explore the range of tax-exempt bond funds available....
by catchup
Thu Jan 15, 2009 7:53 pm
Forum: Personal Investments
Topic: Investing in TIPS
Replies: 23
Views: 5161

Taylor, Why do you suggest intermediate bond funds in a taxable account?...As opposed to Tips in taxable and intermediate bonds in nontaxable. I ask because, as I build my position in bonds, I may find myself running out of room in my nontaxable accounts. Right now, I keep only REITs, TIPs and inter...
by catchup
Thu Jan 08, 2009 4:12 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting During Accumulation Phase
Replies: 9
Views: 2420

Still Learning.
I appreciate your point. We did have money set aside, but our rainy day fund just wasn't big enough or growing fast enough for peace of mind. Hopefully we will have a monsoon fund that will allow us to go back to our investment plan in full force.
by catchup
Thu Jan 08, 2009 4:06 pm
Forum: Personal Investments
Topic: Problem with 2009 IRA Vanguard accounting
Replies: 4
Views: 1642

Thanks.
The second phone call to Vanguard confirmed that the account was not checked in my account view. They checked it off in cyberspace and everything is OK.

I got through to them before reading the above suggestion.
by catchup
Mon Jan 05, 2009 11:03 am
Forum: Personal Investments
Topic: Problem with 2009 IRA Vanguard accounting
Replies: 4
Views: 1642

Problem with 2009 IRA Vanguard accounting

Has anyone else had a problem with their 2009 IRA contribution showing up online? When I look at my account balances, my 5000 dollar contribution to TIPs in my tratitional IRA account is missing. The transaction is recorded, but the balance is 5000 dollars short. When I look at my balance trend, the...
by catchup
Sat Jan 03, 2009 10:25 pm
Forum: US Chapters
Topic: HAPPY NEW YEAR! FROM JACK BOGLE
Replies: 84
Views: 57725

Dear Mr. Bogle, My father-in-law recently celebrated the "bar-mitzvah" year of his heart transplant. To you, in your 13th year, Mazel Tov, and to your health. This forum and Vanguard has helped me to steer a straight financial course for my wife, 3-year-old son, and future daughter whom we are expec...
by catchup
Fri Jan 02, 2009 7:13 pm
Forum: Personal Investments
Topic: correct Asset Allocation or reduce taxes ?
Replies: 20
Views: 3459

Here's another possibility:

Start a Vanguard Variable Annuity and put your REITs in there. Buy TIPs
in your Roth.

What did Swensen say about short term munis in his note. I gave my book to my dad...
by catchup
Tue Dec 23, 2008 11:18 am
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting During Accumulation Phase
Replies: 9
Views: 2420

You may or may not learn from my dabbling with tax loss harvesting. I, too, am in the early accumulation phase (accumulating losses!) I decided to do some tlh by selling enough of my EM fund to get 3000 dollars of losses for 2008. By the time the sale went through, with changes in prices, it resulte...
by catchup
Mon Dec 22, 2008 9:42 pm
Forum: Personal Investments
Topic: Retirement Account for Independent Contractor
Replies: 33
Views: 9305

Thanks again. I do have an accountant, he was especially vague when we introduced the topic. Told me 20% or 25% or something like that. Thank goodness for wikipedia and the Bogleheads forum. I'll double check with him, though when we get down to the nitty gritty, and probably end up contributing an ...
by catchup
Mon Dec 22, 2008 6:14 pm
Forum: Personal Investments
Topic: Retirement Account for Independent Contractor
Replies: 33
Views: 9305

sar, Thank you for the response. What do you mean exactly be "if you have already fulfilled your ss obligations"? I have been contributing what I assume is the appropriate amount of s.s. from my "regular job". I have contributed nothing from my moonlighting as of yet. I assume that the amount will b...
by catchup
Mon Dec 22, 2008 4:54 pm
Forum: Personal Investments
Topic: Retirement Account for Independent Contractor
Replies: 33
Views: 9305

OK, so I just received my last moonlighting paycheck of 2008. My income from this source is 70,000 dollars. I have already contributed 10,000 to a traditional IRA, and 15,500 to a 401k. How much may I contribute to the SEP-IRA, assuming that I am not deducting any expenses, and this is my net as wel...
by catchup
Wed Dec 17, 2008 3:17 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to offer International Small-Cap Index Fund
Replies: 138
Views: 33744

Thanks for the response.
by catchup
Wed Dec 17, 2008 3:36 am
Forum: Investing - Theory, News & General
Topic: Yale estimates its endowment has fallen 25% since June
Replies: 18
Views: 3076

That was probably before the market bounce on the 16th.
In the Worth Magazine Swensen was asked something to the effect of whether he regretted his strategy.

His answer (exact wording):

"No."
by catchup
Wed Dec 17, 2008 3:31 am
Forum: Investing - Theory, News & General
Topic: Vanguard to offer International Small-Cap Index Fund
Replies: 138
Views: 33744

Thank you for the comments on this thread. I have one question as I ponder whether to include the new fund. I think the question was asked once or twice, but not explicitly answered, to my knowledge: What percentage of the all-world, all-cap, ex-US index is comprised of small caps? Furthermore, (rhe...
by catchup
Tue Dec 16, 2008 4:24 pm
Forum: Investing - Theory, News & General
Topic: Wary about REITs
Replies: 92
Views: 17697

Reits are now neck and neck with the S&P 500 for the year. Still wary, but sticking with the asset allocation plan and buying/rebalancing into low asset classes still makes the best sense, even with regard to REITs.
by catchup
Mon Dec 15, 2008 4:22 pm
Forum: Investing - Theory, News & General
Topic: ?Swensen interview in Worth Magazine
Replies: 5
Views: 2674

I bought the issue of Worth Magazine. Surprised to find it in the grocery store -- thank you for suggesting the obvious, I never would have thought of it on my own. For anyone who is interested, Swensen does absolutely no backpeddling with respect to the advice he gave in Unconventional Success, eve...
by catchup
Fri Dec 05, 2008 7:08 pm
Forum: Investing - Theory, News & General
Topic: Tax-Exempt vs. regular money market question
Replies: 2
Views: 998

Tax-Exempt vs. regular money market question

How do people use the money markets at Vanguard? I recently started saving into the tax-exempt money market when the rates were very close to that of the taxable money market. I will be in a high tax bracket this year. I just looked today, and a rough calculation indicates I might be better off in t...
by catchup
Fri Dec 05, 2008 12:44 am
Forum: Investing - Theory, News & General
Topic: ?Swensen interview in Worth Magazine
Replies: 5
Views: 2674

I wonder why not. Yale Daily News refers to a recent interview with Worth magazine. (Search Google: News: David Swensen).
by catchup
Fri Dec 05, 2008 12:04 am
Forum: Investing - Theory, News & General
Topic: Any Good Economic/Investment News?
Replies: 40
Views: 6734

Thought I'd bump this thread. Anyone have any recent good news?

On my end, my tax break for 2009 remains healthy. Don't know if it's a boy or a girl yet.
by catchup
Fri Dec 05, 2008 12:00 am
Forum: Investing - Theory, News & General
Topic: ?Swensen interview in Worth Magazine
Replies: 5
Views: 2674

?Swensen interview in Worth Magazine

There is supposedly a recent interview with Swensen in Worth Magazine. Anyone have access to the article? (this was mentioned in one of the recent articles about the status of the endowment at Yale and Harvard)
by catchup
Thu Nov 27, 2008 10:42 pm
Forum: Investing - Theory, News & General
Topic: Wary about REITs
Replies: 92
Views: 17697

Despair is setting in. I'm going to keep losing more and more money with my stubborn attempts to stick to my asset allocation plan. I can't rationally see changing it, other than caving in to my wife's pleas to keep our short-term reserve fund fully loaded, but I know I'm going to keep losing money....
by catchup
Thu Nov 27, 2008 12:26 pm
Forum: Investing - Theory, News & General
Topic: Wary about REITs
Replies: 92
Views: 17697

I certainly don't know what the future holds. I didnt' invest hundreds of thousands at the peak, since I don't have that much. I averaged in a small amount in order to take up a position with the plan to hold the position. I wasn't at the peak, the Reits bubble had already burst. Reits, in fact was ...
by catchup
Thu Nov 27, 2008 11:04 am
Forum: Investing - Theory, News & General
Topic: Wary about REITs
Replies: 92
Views: 17697

I have a Swensen-like target asset allocation with 19% REITs. Having started saving aggressively back in Oct. 2007, I've been feeling the pain across all asset classes, except for my money market cash. However, I continue to stay the course and have been adding to my REITs fund to get it close to ta...