Search found 76 matches

by Abciximab
Thu Apr 26, 2007 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: Married - Duplicate funds in IRAs for rebalancing?
Replies: 7
Views: 2341

Re: Whatever works

I suggest you do it in whichever way makes sense or is the easiest for you. That's the perfect answer. I couldn't agree more. I'm willing to sacrifice simplicity for completeness sake, but some people would rather not. The increased (or decreased) returns are likely negligable. I just do it because...
by Abciximab
Thu Apr 26, 2007 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: Married - Duplicate funds in IRAs for rebalancing?
Replies: 7
Views: 2341

I struggled with the same problem for quite a while, but now my choice is easy. With the fee changes announced today, it no longer costs any more to have the same funds in both accounts. So if you meet the minimum, you might as well just double up. The only reason not to would be if you were close t...
by Abciximab
Thu Apr 26, 2007 1:02 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Fee Announcement
Replies: 66
Views: 27062

Just to be sure that I understand the new rules… If I agree to receive all communications electronically, I don’t pay any fees regardless of fund balance. Is that how everyone is taking this?
by Abciximab
Wed Apr 25, 2007 3:03 pm
Forum: Investing - Theory, News & General
Topic: Dan Weiner suggests "sell" Vanguard tips fund
Replies: 27
Views: 17318

What a weiner. (Sorry, I couldn't help it) Just ignore him.
by Abciximab
Wed Apr 25, 2007 3:01 pm
Forum: Investing - Theory, News & General
Topic: 401K: Max out early or spread out evenly all year?
Replies: 29
Views: 12083

The employer contributions don't count towards the 15K limit, do they? I think I remember reading that only the employee contributions count. Is that correct?
by Abciximab
Wed Apr 25, 2007 2:47 pm
Forum: Investing - Theory, News & General
Topic: Many Americans Are Living in a Retirement Fantasyland
Replies: 17
Views: 6626

I think education is the biggest issue. Once people learn about investing and the benefits of saving, most take action. The public doesn't see any benefit in education about finances. Why learn when someone else will handle all that stuff for you? They see it like care repair: "I can't fix my o...
by Abciximab
Sun Apr 22, 2007 2:36 pm
Forum: Investing - Theory, News & General
Topic: Housing Downturn's Gonna Smart
Replies: 39
Views: 15030

I've emailed my senators as well. Here's a link that provides a pretty good form letter and links to all the senators and reps: http://patrick.net/housing/contrib/nobailout.html I keep thinking to myself that they can't really be serious about a bailout. It's just to obsurd to be anything other than...
by Abciximab
Sun Apr 22, 2007 2:23 pm
Forum: Investing - Theory, News & General
Topic: history of home values
Replies: 24
Views: 9048

Here's a catch to the data that's easy to miss: Nationwide, a family earning the median income - the exact middle of all incomes - would have to spend 22 percent of its pretax pay this year on mortgage payments to buy the median-priced house The percentage of income is based on family income. Rememb...
by Abciximab
Sat Apr 21, 2007 12:08 am
Forum: Investing - Theory, News & General
Topic: Housing Downturn's Gonna Smart
Replies: 39
Views: 15030

Depends on who you think made the mistake. Was it the mortgage broker, who pushed teaser rate loans he knew borrowers wouldn't be able to pay eventually, and wouldn't understand in the first place? Or the government for letting such predatory practices occur? Both deserve some blame, but I think al...
by Abciximab
Fri Apr 20, 2007 5:39 pm
Forum: Investing - Theory, News & General
Topic: Housing Downturn's Gonna Smart
Replies: 39
Views: 15030

Did you all hear about the proposed subprime mortgage bailout that senators Clinton, Obabma, and Dodd want? Why should responsible people like us to pay for other's financial mistakes? If this happens I might just lose my mind (or I might run out and buy a house I can't afford).
by Abciximab
Fri Apr 20, 2007 3:01 am
Forum: Investing - Theory, News & General
Topic: Housing Downturn's Gonna Smart
Replies: 39
Views: 15030

I've been researching a lot lately since I planned on buying my first house later this year. I just don't know what to do anymore. I think I may just wait a little longer and rent. EmergDoc - I'm a pharmacy resident and plan on specializing in cardiology. So I'm a big nerd and like monoclonal drugs....
by Abciximab
Thu Apr 19, 2007 7:27 pm
Forum: Investing - Theory, News & General
Topic: Housing Downturn's Gonna Smart
Replies: 39
Views: 15030

Housing Downturn's Gonna Smart

I always knew that the housing downturn would affect the economy, but this article from Pimco makes it seem more tangible. If you read the whole thing, the author does a great job of backing everything up with very strong data. It's nice to see some objectivity. (Granted, Pimco likes people to be co...
by Abciximab
Thu Apr 19, 2007 4:03 pm
Forum: Investing - Theory, News & General
Topic: history of home values
Replies: 24
Views: 9048

I thought this was pretty interesting.

Image
by Abciximab
Thu Apr 19, 2007 4:02 pm
Forum: Investing - Theory, News & General
Topic: history of home values
Replies: 24
Views: 9048

All you first time house buyers check out this link.

http://pricedoutforever.com/
by Abciximab
Wed Apr 18, 2007 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Do it yourself with Vanguard-a DFA look a like?
Replies: 28
Views: 11290

The TrevH Phenomenon continues! Thank you so much for all that you do. I'm a huge data junkie and really appreciate you including your complete data set. I know you put a lot of work into it, and sharing it with all of us is extremely kind. I can't wait to get started crunching some numbers myself.
by Abciximab
Thu Apr 05, 2007 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: Slice and Dice: Blend or Growth?
Replies: 5
Views: 1760

kcyahoo, That's how I understood it, too. But why not just hold Value at 75% and Growth at 25% instead? People have been saying the large-cap indexes are too "value-heavy" right now. I think having value and growth split allows you to take better advantages of these fluctuations. Using you...
by Abciximab
Thu Apr 05, 2007 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: Slice and Dice: Blend or Growth?
Replies: 5
Views: 1760

Slice and Dice: Blend or Growth?

Why does everyone slice and dice their value funds with blend rather then with growth? I’ve been doing it this way, but I guess I don’t have a good understanding of why we do it. I’ve heard that the blend fund allows for a bit of style drift, but wouldn’t we want to avoid that? If in fact one side (...
by Abciximab
Thu Apr 05, 2007 4:05 pm
Forum: Investing - Theory, News & General
Topic: Post your bond allocation
Replies: 60
Views: 27646

My wife and I are 24, and we don’t hold any bonds. After seeing some of the data TrevH put up on the other forum, it makes mathematical sense to stick with all equities for the time being. I know no one can say for certain that they can take a large stock market drop, but I’m 99% sure we can. Our co...
by Abciximab
Thu Apr 05, 2007 12:59 am
Forum: Personal Finance (Not Investing)
Topic: what is your job/occupation?
Replies: 84
Views: 44730

Pharmacist by day, professional man of leisure by night.
by Abciximab
Mon Apr 02, 2007 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Opening Day
Replies: 16
Views: 6117

I was so close to skipping work today for baseball. Instead I’m at my desk staring at ESPN GameCast. I can’t complain too much, though. The DBacks just pulled ahead of the Rockies by one run. Should be just the first of many wins on the way to another NL West pennant for the DBacks.
by Abciximab
Mon Apr 02, 2007 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Adding Vanguard REIT
Replies: 17
Views: 6241

The question isn’t whether you think REITs are overvalued or not, it’s about how you handle price changes. Will you be broken up if you jump in with both feet and you lose 10% in a few months? What if you decide to wait and the price shoots up? It’s all about psychology. I got in last March because ...
by Abciximab
Tue Mar 27, 2007 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Question
Replies: 15
Views: 3596

Bob90245,

What is reverse DCA? I haven't heard of that before. I can't find that info on the site you linked.
by Abciximab
Mon Mar 26, 2007 6:46 pm
Forum: Investing - Theory, News & General
Topic: how 'vanguard' of a diehard are you?
Replies: 25
Views: 11480

I’m about 70% Vanguard. My wife and I both have our IRAs and taxable funds at Vanguard (just can't get rid of that Health Care fund). My 401(k) is elsewhere, but at least I can choose index funds with very low expense ratios.
by Abciximab
Mon Mar 26, 2007 6:42 pm
Forum: Investing - Theory, News & General
Topic: Going Broke as a lesson
Replies: 6
Views: 3092

I don't know if that's ironic, but buying a fund right before a distribution means you're on the hook for whatever it pays out. Now you have to pay taxes on the dividend and/or capital gains. You don't make any money off of it, you just get a larger tax bill.
by Abciximab
Wed Mar 21, 2007 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Diehard Age Demographic
Replies: 43
Views: 27191

First post on the new board. I've been dorking around the M* board for a couple years now, and I have to say things seem much friendlier over on this side. I'm turning 25 soon, and have had an IRA with Vanguard since 2000. I've gotten some very good advice from the Diehards in the past, and I know I...
by Abciximab
Wed Mar 21, 2007 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Avatar test
Replies: 68
Views: 37874

Let's see how this goes