Search found 151 matches

by InvestoGuy
Tue Jun 14, 2011 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Comments on TGEIX (TCW Emerging Markets Income Fund)
Replies: 4
Views: 799

Comments on TGEIX (TCW Emerging Markets Income Fund)

I am considering investing in TGEIX (TCW Emerging Markets Income Fund) for the following reasons: 1. My portfolio needs an investment in a non-dollar denominated currency to protect against the declining dollar 2. I need a emerging market bond investment to diversify in an emerging market bond (all ...
by InvestoGuy
Tue Jun 07, 2011 12:00 pm
Forum: Personal Consumer Issues
Topic: Things to shut off in a house before you leave on a vacation
Replies: 36
Views: 10177

Things to shut off in a house before you leave on a vacation

Folks: Yesterday our water heater in the basement developed a leak and water got into the finished basement etc. Fortunately, we saw it and took remedial action very quickly to stop the leak and contain the water damage. This raises another question. What are the recommend things to shut off when yo...
by InvestoGuy
Mon Jun 06, 2011 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Value Cost Averaging for a lump sum
Replies: 5
Views: 811

For Bonds, I have I-Bonds and Tax Emempt Bonds. The REITs are still in this account and I understand they are leaking tax as we speak. I have on my To Do list to call Vanguard and see if the REITs can be moved to a IRA account or I just need to open a new IRA account and then start buying them in th...
by InvestoGuy
Mon Jun 06, 2011 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Value Cost Averaging for a lump sum
Replies: 5
Views: 811

Just a simple sum total of the portfolio. Say for instance (hypothetically speaking): Portfolio Value as of 6/6: $10,000 Desired Portfolio Value as of 9/6: $15,000 (so on 9/6, I add an extra amount to my portfolio, which is going to be equal to $15,000 minus the total portfolio value on 9/6). And th...
by InvestoGuy
Mon Jun 06, 2011 9:00 am
Forum: Investing - Help with Personal Investments
Topic: Value Cost Averaging for a lump sum
Replies: 5
Views: 811

Value Cost Averaging for a lump sum

I plan to invest a lump sum in my taxable account over the next few months. Here is my plan: 1. I have an asset allocated taxable account (based on the Gone Fishing portfolio, with some modifications) at Vanguard. 2. I plan to take my lump sum (which is currently in a low yeilding savings account) a...
by InvestoGuy
Wed Jun 01, 2011 1:33 pm
Forum: Personal Consumer Issues
Topic: Windows Phone 7: Fantastic Phone
Replies: 7
Views: 1255

I am on Verizon so got the HTC Trophy. I have limited experience with iPhone and Droid (never owned one but have played a lot with them since friends and family have those). The big difference is the UI. In my opinion iPhone and Droids have a cluttered UI with a million apps. Win Ph 7 UI is based on...
by InvestoGuy
Wed Jun 01, 2011 1:03 pm
Forum: Personal Consumer Issues
Topic: Windows Phone 7: Fantastic Phone
Replies: 7
Views: 1255

Windows Phone 7: Fantastic Phone

After much skepticism I got my Windows Phone 7. My prior experience with Windows Mobile 6.5 was not very pleasant, to say the least. But this device totally blew me away. Fantastic phone. Love it. The Office integration, tiles, hubs etc are great. Lot’s of useful apps out there as well. As IDC predi...
by InvestoGuy
Sun May 15, 2011 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: I-Bonds for Emergency Funds
Replies: 3
Views: 912

I-Bonds for Emergency Funds

I am seriuosly considering putting about 90% of my emergency fund in I-Bonds. Any cons to this idea?
by InvestoGuy
Fri May 13, 2011 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: Regular purchases with Vanguard in Taxable
Replies: 8
Views: 1533

Have you considered the Vanguard ETFs instead? They have no pruchase fee associated.
by InvestoGuy
Tue May 03, 2011 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: How to Invest in a foreign current with the local currency
Replies: 7
Views: 1105

How to Invest in a foreign current with the local currency

As a hedge against inflation and decline of dollar, I was wondering if there is a way to:
1. Convert USD to another currency (either Brazil or India)
2. Invest with the local currency is an mutual fund in that country.

Is this permitted/possible? How?
Thanks.
by InvestoGuy
Fri Apr 29, 2011 3:46 pm
Forum: Personal Consumer Issues
Topic: Outdoor Kitchen -- Ideas please
Replies: 2
Views: 612

Outdoor Kitchen -- Ideas please

Folks:
We are thinking of building an outdoor patio and an outdoor kitchen.

Are there pre-fabricated outdoor kitchen islands available? Any recommendations on putting a patio?

Any other suggestions or things we should think of?
Thanks.
by InvestoGuy
Thu Apr 28, 2011 8:31 pm
Forum: Personal Consumer Issues
Topic: Tempur-Pedic Mattress, is it worth it?
Replies: 41
Views: 11382

Tempur-Pedic Mattress, is it worth it?

Hello Folks; We are considering the Tempur-Pedic Rhapsody Mattress. My wife has back pain and lot of folks told us it is the right way to go for back pains and overall sleep comfort. The mattress is pretty pricy. What is the general opinion? Is it really worth the money? Does it help with back pain?...
by InvestoGuy
Wed Apr 27, 2011 4:37 pm
Forum: Investing - Theory, News & General
Topic: What would you ask Mr. Buffet?
Replies: 14
Views: 1247

Sorry for the typo

Sorry for the typo. Meant to say Mr. Buffett.

Moderator, please go ahead, if you can change it.
by InvestoGuy
Wed Apr 27, 2011 3:31 pm
Forum: Investing - Theory, News & General
Topic: What would you ask Mr. Buffet?
Replies: 14
Views: 1247

What would you ask Mr. Buffet?

I am planning on attending the annual Berkshire Hathaway meeting in Omaha this Saturday. There is always an elaborate Q&A in the meeting.

If you were there, what would you ask Mr. Buffet?
by InvestoGuy
Mon Apr 25, 2011 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds - VBMFX vs VWESX
Replies: 15
Views: 2811

Kenyan wrote Now, if you want your bonds to be less correlated to your stocks, providing greater safety and diversification, you might not want to dump your money into high-yield corporates. Many will advocate taking your risk on the equity side, keeping your bonds reasonably safe. I do want exactly...
by InvestoGuy
Fri Apr 22, 2011 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: My "Luxury" car problem...
Replies: 64
Views: 10886

I used to own a C240 Mercedes. Bought it brand new in 2003 and made a great decision to purchase extended warranty for $2000. The car was nothing but trouble. Glad I bought the extended warranty. That paid for itself many times over. Sold the car, with one year warranty still left. Immediately bough...
by InvestoGuy
Wed Apr 20, 2011 9:36 am
Forum: Personal Consumer Issues
Topic: New home build...anything youd want/change/splurge on...
Replies: 95
Views: 14015

Also, get you basemment wired for a home theatre. Mostly for a over head HD movie projector. You will need them to run a good quality HMDI cable from where you will keep your A/V receiver to the overhead location of the projector. We put in a HD projector in our basement last summer and got a 120 in...
by InvestoGuy
Wed Apr 20, 2011 8:19 am
Forum: Personal Consumer Issues
Topic: New home build...anything youd want/change/splurge on...
Replies: 95
Views: 14015

Definately consider solar panels and a geo-thermal or just regular heat pump. Will save you a ton.
by InvestoGuy
Mon Apr 18, 2011 1:02 pm
Forum: Investing - Theory, News & General
Topic: S&P Rating outlook on US revised to Negative
Replies: 55
Views: 5678

So the question is (not necessairly because of this news, but mainly because of the overall US and global economic issues), should the basic Asset Allocation change? If (age based) we are in 70 stocks, 30 bonds: 1. Should this allocation change? 2. Should the 30% bonds be further revised and other b...
by InvestoGuy
Sat Apr 09, 2011 9:02 am
Forum: Investing - Help with Personal Investments
Topic: I-Bonds Rate Adjustment on May 1st: Should I wait
Replies: 11
Views: 2129

So to Mel's point (regarding the interest rates between 3.6% and 0%), here is a follow up question: 1. Let's say I buy I-Bonds today at 0% fixed. 2. 2-3 years from now, the fixed part say goes to 2%. Since I am now out of the minimum holding requirement, why will I not sell my 0% I-Bonds, pay taxes,...
by InvestoGuy
Fri Apr 08, 2011 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: I-Bonds Rate Adjustment on May 1st: Should I wait
Replies: 11
Views: 2129

Historically speaking, what has the fixed rate component typically been between? How high has it gone, say in the past 10 years?

Thanks.
by InvestoGuy
Fri Apr 08, 2011 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: I-Bonds Rate Adjustment on May 1st: Should I wait
Replies: 11
Views: 2129

I-Bonds Rate Adjustment on May 1st: Should I wait

Folks; I plan to invest in I-Bonds and I realize a rate adjustment is due on May 1st. Questions: 1. Should I wait for May 1st to invest or since the rate will adjust even if I buy today, it doesn't matter? 2. Does it make any sense to do dollar cost averaging to buy I-Bonds with the wait window bein...
by InvestoGuy
Wed Apr 06, 2011 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Recommendations for Taxable Account
Replies: 8
Views: 1961

Thanks hlfo718. I just researched and looks like Vanguard has a intermediate term muni fund as well. What are the key considerations for the short term vs. Inter term muni bond fund? My investment horizon is 10 yers. Is one partucularly better than the others? Also, in the interest of diversifying, ...
by InvestoGuy
Wed Apr 06, 2011 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Recommendations for Taxable Account
Replies: 8
Views: 1961

Thanks Jason.

Are TIPS ok to put in this type of account? I know they are not the best from a tax perspective, however, they do protect against inflation. Will the inflation protection out weight the tax in-efficiency of TIPS?
by InvestoGuy
Wed Apr 06, 2011 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Recommendations for Taxable Account
Replies: 8
Views: 1961

Bond Recommendations for Taxable Account

Folks: Outside of my 401(K) and IRAs, I have some savings that I need to 'asset allocate' for low risk/ high return. Bonds is one of my asset buckets. I just read the wiki on tax efficiencies of assets and per the wiki 'consider municipal bonds or I bonds in taxable account' Can someone please give ...
by InvestoGuy
Wed Apr 06, 2011 8:56 am
Forum: Investing - Help with Personal Investments
Topic: 10 year horizon portfolio recommendation
Replies: 4
Views: 984

More Information

Sorry, folks, here is some more information: Investment Time Period: 10 Year Horizon, mostly for kids education. This is in addition to the 529 Plan I am in. Age: 41 (Professional job) Fully invested in 401(k) every year to the limit. I could possibly invest the tax inefficient assests in an IRA, bu...
by InvestoGuy
Tue Apr 05, 2011 10:14 pm
Forum: Investing - Help with Personal Investments
Topic: 10 year horizon portfolio recommendation
Replies: 4
Views: 984

10 year horizon portfolio recommendation

Folks: I read on Wiki the 'lazy portfolios', '3 fund portfolio' etc. I was wondering if I could get some more fund suggestions (Mutual Fund or ETFs) for a 10 year horizon portfolio. I want to keep 50% in bonds (based on my risk tolerance). This is a taxable account, so I do care about tax efficienci...
by InvestoGuy
Tue Mar 29, 2011 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Lookin for a non-profit / charitable institute to help
Replies: 9
Views: 1544

Lookin for a non-profit / charitable institute to help

I would like to donate my time to help people (of any / all age groups) get their financial life back on track, by providing and educating on basics of savings, investing etc. Anyone know of where I can volunteer?
by InvestoGuy
Tue Mar 22, 2011 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: Do I qualify for a SEP IRA
Replies: 2
Views: 488

Do I qualify for a SEP IRA

I have a full-time job which offers me 401(k). I take full advantage of it and contribute to the max IRS limit of $16,500. In addition I also work part time at a different organization, which does not offer me a 401(k). Can I use my earnings from this organization and contribute to a SEP-IRA and get...
by InvestoGuy
Wed Mar 09, 2011 3:59 pm
Forum: Investing - Help with Personal Investments
Topic: Please give me feedback on my Asset Allocation
Replies: 5
Views: 825

Why so?

I can agree with complex (and I am ok with it as long as it lowers risk and increases returns), but why do you say Tax In-efficient?
Thanks.
by InvestoGuy
Wed Mar 09, 2011 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: Please give me feedback on my Asset Allocation
Replies: 5
Views: 825

Please give me feedback on my Asset Allocation

Hello; I have created the following asset allocation. Time Period: 10 year Tax Status: Taxable account Goal: Investment to keep up with inflation and provide 3-5 % real return Risk Tolerance: Moderate Time Horizon: 10 years Investment Mix: 50% Equity, 50% Fixed Income Equity Mix: 40% US, 60% non-US ...
by InvestoGuy
Mon Mar 07, 2011 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: Proceeds from home sale: about $167,000. What to do....
Replies: 53
Views: 6461

Curious on what your profession is

Hello jmbkb4: I don't mean to be nosy, but I am really curious to know what your profession is. You are doing very well at your age. The reason I ask is I have kids who will be in college soon and we are helping them pick the right professional career. So if you don't mind, can you share what your p...
by InvestoGuy
Mon Mar 07, 2011 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: Ideas for State Tax Deductions
Replies: 6
Views: 1218

Ideas for State Tax Deductions

Hello Folks: I just did my taxes and realized that my state tax bill is $650. This means I will have to pay a penalty on $150. I was wondering if there are any other investments I can do now (before April 15th) to reduce my State Tax bill below $500. My state does have a 529 plan, which I am already...
by InvestoGuy
Thu Mar 03, 2011 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: Square Footage Calculation for Home Office
Replies: 10
Views: 2447

Square Footage Calculation for Home Office

Hello: Should a finished basement be included in the total square footage calculation for your home (when you are trying to find what percentage of it was the home office)? The main floor square footage is about 2000 Sq. Ft. and we have a finished basement that is about 500 Sq. So is my total sq. fo...
by InvestoGuy
Wed Mar 02, 2011 11:32 pm
Forum: Investing - Help with Personal Investments
Topic: Cash donation made in 2009. Can I deduct it in 2010 taxes?
Replies: 3
Views: 833

Cash donation made in 2009. Can I deduct it in 2010 taxes?

As I was going through my cash donation receipts, I realized I had made a cash donation in 2009 but forgot to include it in my 2009 taxes?

Can I use it as a deduction for my 2010 taxes?
Thanks.
by InvestoGuy
Wed Mar 02, 2011 10:01 am
Forum: Investing - Help with Personal Investments
Topic: Are Cash Gifts Taxed?
Replies: 15
Views: 2885

Are Cash Gifts Taxed?

If a parent transfers cash to you as a gift, do I need to show that as income and pay taxes? How does taxation work for cash gifts?

And does anything change if I am a US Citizen but parents are not?

Thanks.
by InvestoGuy
Mon Feb 21, 2011 9:52 am
Forum: Investing - Help with Personal Investments
Topic: Is Art work tax deductable expense?
Replies: 4
Views: 1066

Is Art work tax deductable expense?

Folks:
I have a company (LLC) which I run out of my home office. The home office is dedicated exclusively to the company.

I recently purchased some art (nothing exhorbitant, about $150) for the office. Can I deduct this as an Expense for my company, for tax purposes?

Thanks.
by InvestoGuy
Fri Feb 18, 2011 9:00 am
Forum: Investing - Help with Personal Investments
Topic: Box 12 of W2 has Code V and DQDIS?
Replies: 3
Views: 6490

Box 12 of W2 has Code V and DQDIS?

My W2 Box 12 has a $9647 in it with the code 'V', which I understand is related to stock options. However, in Box 14, there is a $2318 with DQDIS in it, which I totally know what that is. My question is, what is the difference ($9647 - $2318) representing and where do I find that information and how...
by InvestoGuy
Thu Jan 20, 2011 12:18 pm
Forum: Investing - Theory, News & General
Topic: Looking for a 'withdrawl' Excel Spreadsheet
Replies: 0
Views: 444

Looking for a 'withdrawl' Excel Spreadsheet

I was at the Gone fishing website at: http://gonefishinportfolio.com/calculat ... ution.html

I was wondering if anyone can share an Excel based spreadsheet for the Investment Accural and Distribution / Withdrawl schedule etc. very similar to whats on the website.

Thanks.
by InvestoGuy
Mon Jan 17, 2011 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Astronomical cost of college --> looking for ideas
Replies: 80
Views: 7034

RE: Astronomical cost of college --> looking for ideas

Looks like I stand corrected. I was told by a relative who's kid went to a top tier school that it is about $80K per year.

Including tution and room and board, is $50K more accurate?
by InvestoGuy
Mon Jan 17, 2011 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: Astronomical cost of college --> looking for ideas
Replies: 80
Views: 7034

Astronomical cost of college --> looking for ideas

Folks: I was doing some research and basic math on the cost of college. Looks like the average college tuition for a top tier Ivy League type of school is about $80K per year. That adds up to about $320K for a 4 year education. I have two kids, so now we are looking at about $640K or so. I have a pr...
by InvestoGuy
Wed Jan 05, 2011 1:41 pm
Forum: Local Chapters and Bogleheads Community
Topic: Is there a Omaha, NE chapter?
Replies: 1
Views: 1675

Is there a Omaha, NE chapter?

Any local Omaha, NE chapter?
by InvestoGuy
Wed Jan 05, 2011 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: If you are 50 or older, what advise would you give a 40y old
Replies: 52
Views: 8785

If you are 50 or older, what advise would you give a 40y old

Hello:
If you are 50 or older what advise would you give to a 40 yr old in the following categories:
1. Investing Strategies
2. Happiness
3. What really matters in life?

Imagine you got to be 40 again. How would you relive you life, specifically in the above areas.

Thanks.
by InvestoGuy
Mon Dec 06, 2010 7:47 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Options for temporary holding funds
Replies: 0
Views: 414

Investment Options for temporary holding funds

Hello: My company 401(K) plan has a direct brokerage link option, through which I can invest directly in the market, in lieu of the basic few funds offered to me through Fidelity. I take advantage of this and have created a 'Gone Fishin' based 10 ETF asset allocation. However, since there is expense...
by InvestoGuy
Mon Dec 06, 2010 7:46 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Options for temporary holding funds
Replies: 1
Views: 452

Investment Options for temporary holding funds

Hello: My company 401(K) plan has a direct brokerage link option, through which I can invest directly in the market, in lieu of the basic few funds offered to me through Fidelity. I take advantage of this and have created a 'Gone Fishin' based 10 ETF asset allocation. However, since there is expense...
by InvestoGuy
Tue Feb 23, 2010 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Rebalancing Question
Replies: 3
Views: 848

Portfolio Rebalancing Question

Say for instance my portfolio consists of two asset classes (just as example to make things simple): Class A: 80% Class B: 20%. At the end of the year I want to add $10K to my portfolio. However, due to market changes my portfolio has chaged as follows: Class A: 90% Class B: 10%. My question is, to ...
by InvestoGuy
Mon Feb 22, 2010 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Indian REIT
Replies: 5
Views: 1482

Indian REIT

Thanks rcasement for the response. I looked at those funds (WPS and VGSIX). These funds do not track with the real estate trend in India. In most meteros in India, the real estate prices have yeilded about an 70 to 100% ROI in about 7-10 years. however, these funds are not giving the same yeild, whi...
by InvestoGuy
Mon Feb 22, 2010 9:04 am
Forum: Investing - Help with Personal Investments
Topic: Indian REIT
Replies: 5
Views: 1482

Indian REIT

Folks:
With the way the Indian economy is growing coupled with a big boom in the housing market, which traditionally was always a very hot market, I am looking for some India based REITs to invest in.

Is anyone aware of any good Indian REIT funds?

Regards.
by InvestoGuy
Sat Feb 13, 2010 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: SEP IRA Contribution limit
Replies: 2
Views: 2277

SEP IRA Contribution limit

We have a start up LLC for my wife. As one can imagine, it did not do very well in the tax year 2009. I would still like to make a contribution to the SEP IRA plan we set up for her. Can I transfer some of my income to her so she can still put money in the SEP IRA account or is it purely based on ho...
by InvestoGuy
Thu Feb 11, 2010 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: Should I pay down my mortgage
Replies: 26
Views: 3602

Answering additional questions

So here are the answers to my earlier post on 'Paying down mortgage' 1. My interest rate is 4.75% 30 yr. fixed 2. My tax rate is about 28% 3. I contribute fully to my 401(k) 4. I save about 15-17% per month, including 401(k) 5. I do maintain a steady cash reserve for emergencies etc. Having said tha...