Search found 4183 matches

by inbox788
Thu May 16, 2013 4:37 pm
Forum: Investing - Theory, News & General
Topic: 100% equities, anyone?
Replies: 149
Views: 12697

Re: 100% equities, anyone?

The Fed can't continue buying indefinitely, and the comments of the voting members make it clear several of them have strong concerns about the strategy. It would be unwise for any of us retail investors to keep sinking money into assets whose prices could only be supported by continual Fed buying....
by inbox788
Thu May 16, 2013 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: Protecting Gains
Replies: 21
Views: 1916

Re: Protecting Gains

I am thinking I should "protect" some gains on stock that I currently have. One in particular is showing a gain of 73.55%, but this might apply to many others. Strategy: lets say this stock is currently @ $100, bought @ ~$60. Lets also say I placed a limit sale for $90 that would run unti...
by inbox788
Thu May 16, 2013 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: Calculating How Well/Poorly I've Done
Replies: 9
Views: 1356

Re: Calculating How Well/Poorly I've Done

tomd37 wrote:Thanks for your reply, but Excel is out for me. Got to be by hand.

Do you have a PC? Try http://www.openoffice.org

Alternatively, http://docs.google.com
by inbox788
Thu May 16, 2013 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Whole Life - Mess - Any way out?!?
Replies: 93
Views: 7579

Re: Whole Life - Mess - Any way out?!?

Appreciate the feed back and the scenarios to consider. Will take that into consideration. Did someone say my tax liability would go up by about $500 annually? I think that was me; see posting above. I may be wrong, but I think you're a lot deeper than you think and digging deeper at a faster rate ...
by inbox788
Thu May 16, 2013 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: College costs, anyone else spit coffee on their monitor?
Replies: 151
Views: 12903

Re: College costs, anyone else spit coffee on their monitor?

mhc wrote:I am leery to save too much because what happens if one of the kids does not go to college or gets a lot of scholarships.


You can save more by adding other eligible expenses besides tuition. Fees, books, equipment, etc. Also room and board if they don't live at home.

http://www.irs.gov/publications/p970/ch08.html
by inbox788
Thu May 16, 2013 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: College costs, anyone else spit coffee on their monitor?
Replies: 151
Views: 12903

Re: College costs, anyone else spit coffee on their monitor?

I try (largely unsuccessfully) to not torture myself with this. I have four kids, so this is at the forefront of my mind. I max out 401k and then every other investment dollar goes to 529s. IMHO, like housing before it this is another bubble, again fueled by government backed loans. Once the loan i...
by inbox788
Thu May 16, 2013 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: College costs, anyone else spit coffee on their monitor?
Replies: 151
Views: 12903

Re: College costs, anyone else spit coffee on their monitor?

I've been putting away the max in my 401k, and into non-deductible IRAs for me and the Mrs. Beyond that, we've been splitting between 529s for both kids, and taxable investments. I'm interested in what others do, split somehow between 529s and taxable investments as well, or allocate solely to one ...
by inbox788
Thu May 16, 2013 1:44 pm
Forum: Investing - Theory, News & General
Topic: Quick question about withdrawing retirement assets
Replies: 13
Views: 1597

Re: Quick question about withdrawing retirement assets

You might find this article helpful: m An excerpt, quoting Frank Armstrong: "Scenario One: Bonds and stocks are both up for the year. In this case, reduce your bond position so that it once again covers seven year's worth of expenses before you tap into your stock funds. Your stock funds are t...
by inbox788
Thu May 16, 2013 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: How aggresively should I invest leftover 529 money?
Replies: 20
Views: 1631

Re: How aggresively should I invest leftover 529 money?

I also agree that higher education costs can't economically stay where there are. Just from a macro standpoint of supply and demand, students will need to eventually migrate to lower cost (and dare I say more practical) alternatives, pushing costs down. Economically speaking, students/parents will ...
by inbox788
Thu May 16, 2013 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with selling stocks to buy index funds
Replies: 8
Views: 1158

Re: Need help with selling stocks to buy index funds

Would it be better to sell all shares all at once or slowly over time? Everyone has done a great job emphasizing turning position to cash immediately and which funds to enter or add. Just follow your plan or if no plan, target date funds are just fine. That just leaves the what to do with a lump su...
by inbox788
Thu May 16, 2013 12:27 am
Forum: Personal Finance (Not Investing)
Topic: I [messed] up - Now what? ($200k in student loan debt, etc.)
Replies: 117
Views: 13530

Re: I [messed] up - Now what? ($200k in student loan debt, e

At best I can tell it hasn't hurt him much, he is still getting credit card offers in the mail. getting offers is easy. I've heard of dogs and dead people getting offers. Approvals Is another thing, but I assume he has decent income, and those that have filed for bankruptcy before might be more lik...
by inbox788
Wed May 15, 2013 11:54 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with selling stocks to buy index funds
Replies: 8
Views: 1158

Re: Need help with selling stocks to buy index funds

Call your broker or log into their website and press the "sell" button?

Seriously, having trouble understanding your problem. Are you executor?

http://budgeting.thenest.com/sell-inher ... -3767.html
by inbox788
Wed May 15, 2013 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: Financial advisors pep talk
Replies: 17
Views: 2210

Re: Financial advisors pep talk

It is kind of amazing. When I use Gmail I get all these targeted ads. They know that I am retired from GM and received a pension buyout offer. That's how specific the ads are. Keith gmail is great but there is certainly a reason it's "free" - I wonder how far back in time they parse the l...
by inbox788
Wed May 15, 2013 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: How do you keep all your important documents?
Replies: 43
Views: 4955

Re: How do you keep all your important documents?

1) I scan almost everything that comes in, without stopping to think about how important it is. I mirror the archive on multiple computers, including one off-site, and in the cloud. Scanners are fast and storage is cheap, so it works best for me just to scan anything other than junk mail. What prog...
by inbox788
Wed May 15, 2013 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: How do you keep all your important documents?
Replies: 43
Views: 4955

Re: How do you keep all your important documents?

Documents that would be difficult (or expensive) to replace are kept in the safe dep box: birth &marriage certificates, vehicle registration, title to property, etc . dd, you would be amazed how easy it actually turns out to be to replace all of these things. I once had to do these and between ...
by inbox788
Wed May 15, 2013 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: I [messed] up - Now what? ($200k in student loan debt, etc.)
Replies: 117
Views: 13530

Re: I [messed] up - Now what? ($200k in student loan debt, e

Whatever you wind up doing, keep informed about your options and newest changes. Student loan reform is in crisis and reforms are likely. You are not alone: m Like mortgage foreclosure, lenders are unlikely to act until the borrower demonstrates distress. You might have to miss some payments before ...
by inbox788
Wed May 15, 2013 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Black Scholes Option Question
Replies: 8
Views: 826

Re: Black Scholes Option Question

Take a look at SNDK trading high $50's (if the volatility is very different from your company, the options prices can be quite different as well). For 2015 LEAPS, the $20 put goes for $0.28 and the $40 put goes for $2.80. These buy you protection for about 1.5 years. If you extrapolate linearly, 5 y...
by inbox788
Wed May 15, 2013 11:00 am
Forum: Personal Finance (Not Investing)
Topic: pay down 1.99% mortgage?
Replies: 30
Views: 2394

Re: pay down 1.99% mortgage?

I tried to take out a 1.99% Penfed HEL last year, but things dragged out and fell through. How did it fall through? Things were slow last year, but most I heard about eventually finished. Mine took about five months , but some of that was my fault. Brian I'm sure I'm partly at fault, but basically,...
by inbox788
Wed May 15, 2013 8:39 am
Forum: Personal Finance (Not Investing)
Topic: How do you keep all your important documents?
Replies: 43
Views: 4955

Re: How do you keep all your important documents?

Now, that I got a house. I have stacks of papers escrow, HUD-1, bla bla bla over 100+++ pages, multiple years of tax return, and birth certificate, receipts, etc... Do I need to keep all of them in hard copies or could I turn them into soft copies (scanned) and trash everything? Please advice. Than...
by inbox788
Tue May 14, 2013 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: I [messed] up - Now what? ($200k in student loan debt, etc.)
Replies: 117
Views: 13530

Re: I [messed] up - Now what? ($200k in student loan debt, e

OP could qualify for IBR/PAYE forgiveness after 20-25 years of having a low income, or PSLF for working at a nonprofit for 10 years, but what about the private loans? Note that OP isn't paying anything on the federal loans currently, so they are just accruing interest. Likely, $1K/month would just ...
by inbox788
Tue May 14, 2013 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: Black Scholes Option Question
Replies: 8
Views: 826

Re: Black Scholes Option Question

GIGO. I'm a novice, but BS isn't the only formula being used these days, there are popular alternate models. Also, some variables are moving targets, and I'm guessing you may be using a fixed volatility. Post your formula and sample values. m Why not just look up market prices? Or are these very lon...
by inbox788
Tue May 14, 2013 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Selling NQ Stock Options & Tax Brackets
Replies: 30
Views: 2011

Re: Selling NQ Stock Options & Tax Brackets

1) Sorry if it's covered ground, but aside from AMT mentioned, I didn't see these discussed. I'll repeat the caution of AMT territory. 2) When do the options expire? What is the strike price and current stock price? Or how far in the money is the option? The further in the money, the less valuable t...
by inbox788
Tue May 14, 2013 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: pay down 1.99% mortgage?
Replies: 30
Views: 2394

Re: pay down 1.99% mortgage?

If you had a paid of house would you take out a home equity loan just to invest it? that's precisely what I'm trying to figure out! I tried to take out a 1.99% Penfed HEL last year, but things dragged out and fell through. I was considering investing in foreclosure property, but glad I didn't get i...
by inbox788
Tue May 14, 2013 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Whole Life - Mess - Any way out?!?
Replies: 93
Views: 7579

Re: Whole Life - Mess - Any way out?!?

tfb is correct.. the only way this thing ends from what i can tell is either pay off the outstanding loan, allow the loan to surpass the value triggering the default, or calling in and closing the account which would get me the small value left roughly 12k and triggering the tax liability in the ye...
by inbox788
Tue May 14, 2013 2:51 am
Forum: Investing - Theory, News & General
Topic: 100% equities, anyone?
Replies: 149
Views: 12697

Re: 100% equities, anyone?

Anyway 97% equities, 2 % cash, 1% I-bonds. 100% supplemental retirement income from stock dividends (roughly 30% of total equities). Rest set up for long term growth. Why the 1% ibond? Is this a desired allocation? Realistically, it's a tiny effect, if you had $10k and had a 1% advantage over a yea...
by inbox788
Tue May 14, 2013 12:12 am
Forum: Investing - Theory, News & General
Topic: Buying equities during retirement
Replies: 31
Views: 2188

Re: Buying equities during retirement

A couple of comments. First, since retirement involves drawing down, rebalancing can be aided by pulling out funds from the most tax efficient accounts, subject to minimal withdrawals. The other thing is that I expect or hope to outlive my money, so I should reach a level where I will be investing t...
by inbox788
Mon May 13, 2013 11:38 pm
Forum: Investing - Theory, News & General
Topic: 100% equities, anyone?
Replies: 149
Views: 12697

Re: 100% equities, anyone?

Of my investable assets, I was about 88% equities until about a month ago. When I say investable, that's money in my retirement accounts. Most of my non-retirement assets are in RE. I never understood investable accounts. I think this is a concept the brokers used to grab as much of our liquid asse...
by inbox788
Sun May 12, 2013 4:55 pm
Forum: Investing - Theory, News & General
Topic: 100% equities, anyone?
Replies: 149
Views: 12697

Re: 100% equities, anyone?

In my crazy years I was about 95/05 and really got beat up a number of time because of this aggressive AA. I saw a number of peaks and valleys in that time, but it taught me a very valuable lesson that I shall never forget~ The stock market ALWAYS comes back better than it was before and it was all...
by inbox788
Sun May 12, 2013 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: College savings too conservative / risk-averse?
Replies: 8
Views: 660

Re: College savings too conservative / risk-averse?

I recently opened a 529 plan for my newborn. Due to mostly gifts, the principal is a few thousand dollars which is 60% stocks / 40% bonds, using a mix of Vanguard’s aged-based options (40% Moderate & 60% Conservative). I have since shifted this to 80% Moderate & 20% Conservative (which is 7...
by inbox788
Sun May 12, 2013 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: 401K no index funds?
Replies: 27
Views: 7390

Re: 401K no index funds?

Man, those are HIGH FEES!!! HIGH FEES??? Not even close. The OP should max out this 401k. Beg to differ. Over a long term, a taxable 20% capital gains tax on ONLY the gains can outperform a "tax" of 0.5% (say .2 vs .7 fee) compounded over 20, 30, 40 or more years EACH AND EVERY YEAR ON TH...
by inbox788
Sun May 12, 2013 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: Use taxable account to prepay mortgage?
Replies: 24
Views: 2087

Re: Use taxable account to prepay mortgage?

Easy question. If you can't 2.4% in your taxable account then pay off the loan. Otherwise, rejoice that you're able to keep some bank's money for the next 20+ years at a ridiculous rate. Not so easy answer. I expect I can get a little to modestly more than 2.4% after taxes in the taxable account. T...
by inbox788
Sun May 12, 2013 3:05 am
Forum: Investing - Theory, News & General
Topic: 100% equities, anyone?
Replies: 149
Views: 12697

Re: 100% equities, anyone?

In my crazy years I was about 95/05 and really got beat up a number of time because of this aggressive AA. I saw a number of peaks and valleys in that time, but it taught me a very valuable lesson that I shall never forget~ The stock market ALWAYS comes back better than it was before and it was all...
by inbox788
Sun May 12, 2013 3:01 am
Forum: Investing - Help with Personal Investments
Topic: 401K no index funds?
Replies: 27
Views: 7390

Re: 401K no index funds?

Man, those are HIGH FEES!!! I've heard American Funds being called the best of the worst choices, and with fees adding to up over $150,000, I see why. If you had a choice, avoid it, but the matching is probably worth it, so fund it at least up to the match amount. Beyond that it depends on what else...
by inbox788
Sat May 11, 2013 6:37 pm
Forum: Investing - Theory, News & General
Topic: 100% equities, anyone?
Replies: 149
Views: 12697

Re: 100% equities, anyone?

If you did mean cash and/or bonds, why not go ahead and demonstrate the advantage? Tell us what percentage of stocks, bonds, and cash you could have used to get better performance than 100% stocks over the past 100 years in the US? I don't have a 100 year table on hand, but looking at the data from...
by inbox788
Sat May 11, 2013 1:40 pm
Forum: Investing - Theory, News & General
Topic: 100% equities, anyone?
Replies: 149
Views: 12697

Re: 100% equities, anyone?

Do efficient frontier charts take rebalancing into account? The ones I've seen don't. If you compare 2 portfolios, one all stocks, and another with stocks and something else like bonds, and do not rebalance, and the stocks returned more than bonds over the time period studied, then the all stock po...
by inbox788
Sat May 11, 2013 11:49 am
Forum: Investing - Theory, News & General
Topic: 100% equities, anyone?
Replies: 149
Views: 12697

Re: 100% equities, anyone?

100% of invested dollars is in equities. ... I have an emergency fund in cash. It's not invested. ... I chose this strategy because 50% of my net worth is my paid for house ... Circumstances matter ... Hoosier makes sense to me ... Mortgaging a home to the hilt (many discussions on this due to low ...
by inbox788
Fri May 10, 2013 6:32 pm
Forum: Investing - Theory, News & General
Topic: 100% equities, anyone?
Replies: 149
Views: 12697

Re: 100% equities, anyone?

"Bonds are a key part of any portfolio. For instance, Graham's timeless advice was to never hold less than 25% of your portfolio in bonds (or more than 75%). Bogle recommends "your age in bonds"; for instance, if you are 45, 45% of your portfolio should be in high-quality bonds. &quo...
by inbox788
Fri May 10, 2013 3:03 pm
Forum: Investing - Theory, News & General
Topic: 100% equities, anyone?
Replies: 149
Views: 12697

Re: 100% equities, anyone?

90-95% in equities is not at all close to 100% in this context. Turn it around. 5% fixed income or zero: the difference has to do with acknowledging the role of fixed income in a portfolio, even if you are young and starting out with mostly equities (e.g. starting a glide path on 5% income and ratc...
by inbox788
Fri May 10, 2013 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Whole Life - Should we cash out? - Part II
Replies: 7
Views: 1050

Re: Whole Life - Should we cash out? - Part II

I think you may have looked at the numbers incorrectly on previous reports. The additions cash value are cumulative, like the regular cash value. You very well may be achieving a 6% return on on older policy with paid up additions. Ask the insurer for an in-force illustration. Also, you shouldn't b...
by inbox788
Fri May 10, 2013 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: switched jobs but not coemployers - 401k rollover denied!
Replies: 33
Views: 5221

Re: switched jobs but not coemployers - 401k rollover denied

I am assuming your small business uses Trinet's services. If this is incorrect, and you ar/were a Trinet employee, the following does not apply. I googled on Trinet. Wikipedia says, "TriNet (TriNet Group, Inc.) is a professional employer organization (PEO) headquartered in San Leandro, Califor...
by inbox788
Fri May 10, 2013 11:24 am
Forum: Investing - Theory, News & General
Topic: 100% equities, anyone?
Replies: 149
Views: 12697

Re: 100% equities, anyone?

110%! http://www.bogleheads.org/forum/viewtopic.php?t=85314&mrr=1320511084 I have a mortgage, so count it as a negative bond. I'm paying down mortgage instead of buying bonds and when the mortgage is payed off, will be at 100% equities. The point being that I was comfortable with buying a home t...
by inbox788
Fri May 10, 2013 3:09 am
Forum: Investing - Help with Personal Investments
Topic: switched jobs but not coemployers - 401k rollover denied!
Replies: 33
Views: 5221

Re: switched jobs but not coemployers - 401k rollover denied

I left my job, had two weeks off and started a new job. I want to rollover my 401k from my previous job but i'm told that i can't because both companies use the same coemployer. I'm told that as far as the IRS is concerned, I have the same job. Is there anything that can be done about this BS? Weir...
by inbox788
Fri May 10, 2013 2:01 am
Forum: Personal Finance (Not Investing)
Topic: Employer is letting me decide which 401k plan to choose
Replies: 16
Views: 3557

Re: Employer is letting me decide which 401k plan to choose

Would the Costco referred plan make any sense? m Appears to have some funds with low expense ratio funds, but many fees. Do the considered plans have similar fees to the company? Employee? Could see employers being cheap, avoiding nominal monthly fees for the program, sticking the employees with hig...
by inbox788
Thu May 09, 2013 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: What firms allow securities-backed lending via Vanguard?
Replies: 26
Views: 6041

Re: What firms allow securities-backed lending via Vanguard?

This is by no means a deadbeat move, as some in this thread are suggesting. I have helped very conservative clients with ten-figure (yes, in USD) net worths arrange lines of credit with pledged blue-chip stocks. The bank simply takes a pledge (lien) over the securities, including the ability to dir...
by inbox788
Thu May 09, 2013 6:50 pm
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway - Warren Buffett - Anyone own the stock?
Replies: 110
Views: 13878

Re: Berkshire Hathaway - Warren Buffett - Anyone own the sto

Funny how so many bogleheads own Berkshire. Never seen it mentioned until this thread. I'd guess many people do not take the same advice they give. Does seem a little ironic. There is some argument that Berkshire is an active investment making stock picks, which is contrary to setting an asset allo...
by inbox788
Thu May 09, 2013 6:12 pm
Forum: Investing - Theory, News & General
Topic: What's the alternative to a "stock's pickers market" ?
Replies: 15
Views: 1212

Re: What's the alternative to a "stock's pickers market" ?

Sorry, I sort of agree with stlutz. What they mean I think , and I agree its not obvious is that a non-stock pickers market occurs when correlations are reduced and almost all stocls are up or down on a given day.From a certain point of view a non stock pickers market mean active investors are more...
by inbox788
Thu May 09, 2013 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: Deciding How Much to put in International
Replies: 59
Views: 8813

Re: Deciding How Much to put in International

100% international. The large international multi-nationals have plenty of exposure to the US markets so no need to hold any US stocks directly. Also your non-equity assets - human capital, real estate, personal property, social security, etc. all have a strong home-country bias and exposure, espec...
by inbox788
Thu May 09, 2013 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Whole Life - Should we cash out? - Part II
Replies: 7
Views: 1050

Whole Life - Should we cash out? - Part II

This wasn't my thread, but the conclusion was to cash out. My math came out differently and I have been holding on. http://www.bogleheads.org/forum/viewtopic.php?f=1&t=99669 Let me start at the beginning. About 25 years ago, I (actually parents) was sold a $100,000 whole life insurance policy, w...
by inbox788
Thu May 09, 2013 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: [How Much] Should I worry about variable rate student loans?
Replies: 8
Views: 1266

Re: [How Much] Should I worry about variable rate student lo

We have roughly $35k left total on 4 private student loans, all variable rates from 2.2 ~ 3% (prime minus some small %, can't find this info on the website for whatever reason). Our only other debt is $99k mortgage @ 5.125% fixed. I have investigated refi's multiple times and unfortunately had zero...
by inbox788
Wed May 08, 2013 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalance using charitable contributions?
Replies: 31
Views: 1380

Re: Rebalance using charitable contributions?

I must say I have NEVER understood these "i'll donate to charity for tax reasons"?? If you want to donate to charity do it for philanthropy, BUT not for tax reasons. If you have $1000 dollars and sell at your taxation of 20% of LTCG then you lose $200 and keep $800. If you donate that $10...