Search found 164 matches

by InvestoGuy
Sun Jun 26, 2011 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Need Input: About to invest in this Bond Fund?
Replies: 9
Views: 1829

matthylland, thanks for the reponse.
I looked at EDD, from what I can tell, I don't think it invests in local currency. Currency diversion was another key thing I really wanted in my portfolio and I don't believe EDD provides that. [/quote]
by InvestoGuy
Sun Jun 26, 2011 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Uncertain job situation: Please Advise
Replies: 6
Views: 1382

Uncertain job situation: Please Advise

Folks, I am 41 and have a pretty good job in the high-tech industry working as a pre-sales technology engineer. It is a great job, however, the compensation and the career is dependent on purely achieving sales numbers (it’s a sales job). Well, as you can imagine, with the way the economy is shaping...
by InvestoGuy
Sun Jun 26, 2011 9:13 am
Forum: Personal Consumer Issues
Topic: Exercise
Replies: 32
Views: 5016

Absolutely. Run 3 miles about 3-4 times a week and do Body Pump in the gym for an hour 3 times a week. Totally addicted to exercise and love to do it. I need to do it regularly for health reasons as well.
by InvestoGuy
Sun Jun 26, 2011 9:09 am
Forum: Investing - Theory, News & General
Topic: Cold calling a Boglehead
Replies: 93
Views: 9357

While we are on this topic, let me share an interesting anecdote. My company used to share the common areas of an office building with an investment company (which I shall not name). Occasionally we would run into the investment advisors. I happened to be-friend one of the advisor. During one of our...
by InvestoGuy
Fri Jun 24, 2011 11:44 am
Forum: Personal Consumer Issues
Topic: Alternatives to Microsoft Office Suite
Replies: 38
Views: 3431

Sam, from a productivity perspective, there is no option (currently) to MS Office. You can get a fairly cheap version (Home and Student I Think).

Or MS is also offering a free online version on office.live.com
I have not used it personally, but have heard good things about it. Try that.
by InvestoGuy
Thu Jun 23, 2011 8:48 am
Forum: Investing - Help with Personal Investments
Topic: Need Input: About to invest in this Bond Fund?
Replies: 9
Views: 1829

Need Input: About to invest in this Bond Fund?

Folks: I am about to invest in the WisdomTree Asia Local Debt Fund (ALD) (see: http://www.wisdomtree.com/etfs/fund-details-fixed-income.asp?etfid=77). This will go in my IRA account . My reasons for doing it: 1. Boost my AA for International Bonds (currently weak on the international side of bonds) ...
by InvestoGuy
Tue Jun 21, 2011 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Implications of Bond Funds and Bond ETFs
Replies: 5
Views: 1188

Tax Implications of Bond Funds and Bond ETFs

Per the wiki, it is highly recommended that you place the Bond Funds in a tax sheltered account. I am assuming the same holds true for a Bond ETF as well? Correct?
I think the Bond ETF tax efficiency is the same as Bond funds. Correct?
Thanks.
by InvestoGuy
Tue Jun 21, 2011 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Need Recommendations on Intl / Emerging Markets Bond Funds
Replies: 14
Views: 2609

Not all of these are in 'local currency'

Folks, Thanks for responding. However, let me clarify a point here. Not all of the above bond funds are in local currency . Some of them are (PRELX and a few others), but very few. I was exclusively looking for local curreny bond funds. If they are not in the local currency, you lose the currency di...
by InvestoGuy
Mon Jun 20, 2011 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: Need Recommendations on Intl / Emerging Markets Bond Funds
Replies: 14
Views: 2609

Thanks. Not all of those are in local currency though, are they?
by InvestoGuy
Mon Jun 20, 2011 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Need Recommendations on Intl / Emerging Markets Bond Funds
Replies: 14
Views: 2609

Thanks Trico. It seems EMB does not invest in the local currency. I am looking for a local currency bond fund / ETF, to get some currency diversification in my portfolio.

Thanks.
by InvestoGuy
Mon Jun 20, 2011 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: Need Recommendations on Intl / Emerging Markets Bond Funds
Replies: 14
Views: 2609

Need Recommendations on Intl / Emerging Markets Bond Funds

Hello:
I am looking for a Local Curreny Intl or Emerging Market bond fund / ETF. I am aware of the following:
1. PRELX,
2. EMLC

Any other funds / ETFs in this category?
Thanks.
by InvestoGuy
Tue Jun 14, 2011 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: Comments on TGEIX (TCW Emerging Markets Income Fund)
Replies: 4
Views: 816

Some other funds are FNMIX, PYEMX and PREMX I looked at these funds. The difference and the advantage TGEIX has over these is that TGEIX invest in the local curriencies. Thus it becomes an investment which will benefit if the dollar declines. This is my thinking / rationale. Would love feedback if ...
by InvestoGuy
Tue Jun 14, 2011 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: Comments on TGEIX (TCW Emerging Markets Income Fund)
Replies: 4
Views: 816

You are not really providing enough information.
Thanks for the response. What else should I provide?
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: 816

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: 12034

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: 823

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: 823

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: 823

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: 1273

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: 1273

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: 943

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: 1564

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: 1115

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: 627

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: 11678

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: 1257

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: 1257

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: 2889

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: 10981

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: 14282

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: 14282

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: 5765

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: 2181

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: 2181

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: 2181

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: 1979

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: 1979

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: 1979

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: 1020

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: 1020

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: 1561

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: 497

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: 832

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: 832

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: 6558

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: 1261

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: 2871

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: 848

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: 2978

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: 1110

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.