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Re: Lessons From The Recession (AARP)

When a reverse mortgage is being processed, isn't the house viewed as an asset from the viewpoint of the underwriter? Things can serve different functions to different people, just as they can have different dollar values to different people (that being the basis of trade). Just because a house is ...
by Beagler
Mon Sep 09, 2013 10:35 am
 
Forum: Investing - Theory, News & General
Topic: Lessons From The Recession (AARP)
Replies: 21
Views: 2469

Re: Lessons From The Recession (AARP)

When a reverse mortgage is being processed, isn't the house viewed as an asset from the viewpoint of the underwriter?
by Beagler
Mon Sep 09, 2013 9:18 am
 
Forum: Investing - Theory, News & General
Topic: Lessons From The Recession (AARP)
Replies: 21
Views: 2469

Re: QUESTIONS FOR Q&A WITH JACK BOGLE

Question for Mr. Bogle; Sir, would you please expound on your thoughts on an investor's expected future Social Security payments as they might affect the asset allocation of a pre-retiree. Does it affect the "age in bonds" rule of thumb? Thank you, Mr. Bogle, for your untiring work on beha...
by Beagler
Sun Sep 08, 2013 3:16 pm
 
Forum: Investing - Theory, News & General
Topic: QUESTIONS FOR Q&A WITH JACK BOGLE
Replies: 36
Views: 6543

Re: YOUR QUESTIONS FOR THE EXPERTS PANEL

For investors with mostly taxable accounts, how do you view the challenges of the muni bond market?
by Beagler
Sun Sep 08, 2013 2:55 pm
 
Forum: Investing - Theory, News & General
Topic: YOUR QUESTIONS FOR THE EXPERTS PANEL
Replies: 63
Views: 8613

Re: "Social Security is not an asset"

Professor Emeritus wrote:...Ab bond that can default is an asset...
Teh column wousl have been more intelligent....


You might want to make some corrections.
by Beagler
Wed Sep 04, 2013 9:40 pm
 
Forum: Investing - Theory, News & General
Topic: "Social Security is not an asset"
Replies: 50
Views: 3588

Re: madsinger monthly report (August 2013)

Nice to see Wellington continue to best the 3-fund portfolio. :D And nice to see my I Bonds whipping Wellington and the entire batch (at least for the month)! :-) You can keep the 1-month returns. I'll keep the CAGR from 1999 forward. :D (As a long-term Wellington shareholder, I figure if it's good...
by Beagler
Tue Sep 03, 2013 4:33 pm
 
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (August 2013)
Replies: 12
Views: 1254

Re: It’s the income, stupid!

From one of the above-quoted links: " In my review of the historical record, I could only find a few cases where annuity owners ended up with less than their insurer promised. One resulted from the 1983 bankruptcy of Baldwin-United, which involved a takeover by MetLife and a court-ordered reduc...
by Beagler
Tue Sep 03, 2013 1:23 pm
 
Forum: Investing - Theory, News & General
Topic: It’s the income, stupid!
Replies: 139
Views: 16847

Re: madsinger monthly report (August 2013)

Nice to see Wellington continue to best the 3-fund portfolio. :D
by Beagler
Tue Sep 03, 2013 11:15 am
 
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (August 2013)
Replies: 12
Views: 1254

Re: It’s the income, stupid!

I always recall the following when contemplating using insurance products for part of the income floor: ... I take zero, absolutely zero, comfort that few insurance companies have failed thus far, just as the wise person took should have taken no comfort about the security of the United States on De...
by Beagler
Tue Sep 03, 2013 10:36 am
 
Forum: Investing - Theory, News & General
Topic: It’s the income, stupid!
Replies: 139
Views: 16847

Re: More international in target funds generally

Why is anyone surprised that VG would change the asset allocation of its TR Funds? Aren't they aware of the major shifts in allocation just a few years into their inception?

http://www.marketwatch.com/story/target ... -their-aim
by Beagler
Tue Sep 03, 2013 9:26 am
 
Forum: Investing - Theory, News & General
Topic: More international in target funds generally
Replies: 9
Views: 793

Re: Retiring in 3 years and sitting on 85% cash since 2008

First post, great site! I am going to leave the grindstone in 3 years max. Liquidated 90% of my equities assets after recovering most of my 2007-09 losses. Back in 2007-08, I was 90% equities. Ouch... Learned my lesson the hard way. Even had 75% of that sizeable money with high paid "professio...
by Beagler
Mon Sep 02, 2013 10:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiring in 3 years and sitting on 85% cash since 2008
Replies: 75
Views: 7483

Re: Should retirement portfolios tilt toward dividend stocks

A Boglehead recently wrote that he feels 'income subject to market price risk is not the foundation for a sustainable retirement strategy.'
by Beagler
Fri Aug 30, 2013 12:54 am
 
Forum: Investing - Theory, News & General
Topic: Should retirement portfolios tilt toward dividend stocks?
Replies: 24
Views: 2333

Re: One More "Don't Buy This Book" from Bill Bernstein

Bill, love your writing style, but this is pretty brazen. :wink:
by Beagler
Fri Aug 30, 2013 12:49 am
 
Forum: Investing - Theory, News & General
Topic: One More "Don't Buy This Book" from Bill Bernstein
Replies: 73
Views: 11259

Re: the state of unfunded state pension obligations

The intelligent way to deal with my pension is to pay it.... When the jockey weighs more than the horse, the ride becomes untenable. ...Certainly the obligation to me is equitably "senior" to any bondholder who loaned the state money knowing of the obligation to retirees..... Each State h...
by Beagler
Fri Aug 30, 2013 12:44 am
 
Forum: Investing - Theory, News & General
Topic: the state of unfunded state pension obligations
Replies: 90
Views: 5698

Re: the state of unfunded state pension obligations

Professor Emeritus wrote:The intelligent way to deal with my pension is to pay it....


When the jockey weighs more than the horse, the ride becomes untenable.
by Beagler
Thu Aug 29, 2013 9:59 am
 
Forum: Investing - Theory, News & General
Topic: the state of unfunded state pension obligations
Replies: 90
Views: 5698

Re: It’s the income, stupid!

The DC industry has been shifting its efforts to a more outcome-oriented approach, in which workers are asked to create retirement plans with the assistance of online tools and other resources which help to determine the retirement nest egg they need..... Link to article - http://www.dfaus.com/pdf/...
by Beagler
Mon Aug 26, 2013 6:47 pm
 
Forum: Investing - Theory, News & General
Topic: It’s the income, stupid!
Replies: 139
Views: 16847

Re: Time to abandon a global portfolio?

Pop77, this paper does nothing but state the obvious. What new information did you learn from this? ...The chart on page 2 is golden. I am going to print it and stick it at my desk.... The Callen table has been much-discussed on this forum. No sense in re-inventing the wheel. :happy http://bit.ly/1...
by Beagler
Sun Aug 18, 2013 11:18 pm
 
Forum: Investing - Theory, News & General
Topic: Time to abandon a global portfolio?
Replies: 21
Views: 2620

Re: Time to abandon a global portfolio?

pop77 wrote:
Much needed reassurance for many on this forum....


Reassurance is NOT synonymous with reinforcement.
by Beagler
Sun Aug 18, 2013 5:55 pm
 
Forum: Investing - Theory, News & General
Topic: Time to abandon a global portfolio?
Replies: 21
Views: 2620

Re: Purple Chips book - the royal blue chip stocks

... That's why you can't hardly ever pick up those stocks on sale.... You're right. Recalling the post-9/11 stock market dips, IIRC did provide a buying opportunity: XOM went from $41.24 to $35.83; JNJ dropped from $55.82 that month down to $52.24; KO dropped a little from $25.10 to $23.40. (Effici...
by Beagler
Sun Aug 18, 2013 1:26 pm
 
Forum: Investing - Theory, News & General
Topic: Purple Chips book - the royal blue chip stocks
Replies: 16
Views: 1575

Re: Twenty year anniversary - Fama-French paper

Morningstar lists 2/19/1993 as the first trade date for DFA Large Cap Value (DFLVX). (Open to correction if others have a more accurate date.)
by Beagler
Sun Aug 18, 2013 1:11 pm
 
Forum: Investing - Theory, News & General
Topic: Twenty year anniversary - Fama-French paper
Replies: 18
Views: 1841

Re: The Reformed Broker- "Memo to the Passive Investing Tali

"Graham having done so on his death bed in 1976..." A little dramatic, huh?
by Beagler
Mon Aug 12, 2013 1:07 pm
 
Forum: Investing - Theory, News & General
Topic: The Reformed Broker- "Memo to the Passive Investing Taliban"
Replies: 28
Views: 3287

Re: TD Ameritrade Reviews?

FWIW, didn't VG "recommend" them when they expunged all but the largest 401(k) plans from working directly with VG?
by Beagler
Sun Aug 11, 2013 5:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade Reviews?
Replies: 31
Views: 10408

Re: Why must 401Ks be company specific?

Or, just raise the tax advantaged retirement contribution limit to a total of $23,000 a year for any combination of roth, traditional IRA, or 401K. Simple. Yes. I thought of simply quadrupling the IRA limits. With 40(k)s there is the issue of employer contributions. Some employers make none, some m...
by Beagler
Sun Aug 11, 2013 5:04 pm
 
Forum: Investing - Theory, News & General
Topic: Why must 401Ks be company specific?
Replies: 27
Views: 2089

Re: Inflation Bonds - Convince Me - Yes or No!

With I Bonds you won't ever lose principal. What are your thoughts on those?
by Beagler
Sun Aug 11, 2013 4:47 pm
 
Forum: Investing - Theory, News & General
Topic: Inflation Bonds - Convince Me - Yes or No!
Replies: 61
Views: 5928

Re: Article regarding DFA's addition of Profitability screen

Here is a brief article consistent with some of the research/news that Larry Swedroe has presented in the past few months. DFA is adding this factor. Sweeping changes under way at DFA "Thanks to a breakthrough in asset-pricing research last year, DFA is adding a third layer of screening to its...
by Beagler
Sat Aug 10, 2013 1:52 pm
 
Forum: Investing - Theory, News & General
Topic: Article regarding DFA's addition of Profitability screen
Replies: 28
Views: 2433

Re: Article regarding DFA's addition of Profitability screen

alec wrote:
Ranger wrote:What i don't understand is that Benjamin Graham taught and used gross profitability extensively. Why such a basic factor is a recent phenomenon is puzzling to me.


And buffet was a disciple of Graham. :oops:


Was? Has he passed away?
by Beagler
Sat Aug 10, 2013 1:49 pm
 
Forum: Investing - Theory, News & General
Topic: Article regarding DFA's addition of Profitability screen
Replies: 28
Views: 2433

Re: For munis, bond fund or ladder

It's kind of surreal to read a thread where Larry is acknowledging the value of active management of a fixed income portfolio.
by Beagler
Thu Aug 08, 2013 9:19 pm
 
Forum: Investing - Theory, News & General
Topic: For munis, bond fund or ladder
Replies: 116
Views: 10917

Re: madsinger monthly report (July 2013)

Thanks for the update.

Wellington beats 3-fund portfolio going back to 1999? Nice.
by Beagler
Tue Aug 06, 2013 6:51 am
 
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (July 2013)
Replies: 7
Views: 675

Re: David Swenson lazy portfolio critique?

You'll note that the pie chart says REAL ESTATE, not REIT. It's my understanding that in his book Swensen lays out his reasons for emphasizing that asset class so highly, and that he specifies either direct Real Estate holdings or TIAA-CREF Real Estate Account holdings for this portion of the portf...
by Beagler
Sun Aug 04, 2013 7:08 pm
 
Forum: Investing - Theory, News & General
Topic: David Swenson lazy portfolio critique?
Replies: 16
Views: 2559

Re: Scott Adams on Active Managers

Will Vanguard be closing and liquidating those active funds names Wellington and Wellesley?
by Beagler
Fri Aug 02, 2013 12:17 pm
 
Forum: Investing - Theory, News & General
Topic: Scott Adams on Active Managers
Replies: 29
Views: 2541

Re: how best to diversify

Interesting theory. But how would a retail investor who refuses to pay the high fee's for DFA advisors access these factor? Further, how would one monitor these factors to maintain a balance? Seems like it is all theory without practical implementation advice. A competent advisor is there to monito...
by Beagler
Thu Jul 25, 2013 1:12 pm
 
Forum: Investing - Theory, News & General
Topic: how best to diversify
Replies: 8
Views: 1625

Re: Jack Bogle's investments

Think about it... Mr. Bogle has enjoyed a "significant" amount of success, the goal being "enough". He has spent his life sharing his good fortune with charitable organizations, his family and all of us who are the OWNERS of Vanguard :D Not really. (When was the last time you re...
by Beagler
Sat Jul 20, 2013 1:29 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle's investments
Replies: 24
Views: 3076

Re: Jack Bogle's investments

Think about it... Mr. Bogle has enjoyed a "significant" amount of success, the goal being "enough". He has spent his life sharing his good fortune with charitable organizations, his family and all of us who are the OWNERS of Vanguard :D Not really. (When was the last time you re...
by Beagler
Sat Jul 20, 2013 10:18 am
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle's investments
Replies: 24
Views: 3076

Re: Detroit to default on $2.5B of debt

"There's no reason for a bondholder to feel like there's any type of security" when investing in Detroit bonds, said Dan Solender, director of municipal-bond management at investment firm Lord Abbett & Co., which owns some Detroit bonds. http://finance.yahoo.com/news/detroit-bankruptc...
by Beagler
Fri Jul 19, 2013 12:42 pm
 
Forum: Investing - Theory, News & General
Topic: Detroit to default on $2.5B of debt
Replies: 63
Views: 7628

Re: Jack Bogle's investments

From the article: "My retirement accounts are more like a 50-50 split between stocks and bonds, because of a longer time horizon and because yields on bonds are extremely unattractive right now. The equity side is mostly in Total Stock Market Index (VTSMX), but I still have a little bit in the ...
by Beagler
Fri Jul 19, 2013 12:36 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle's investments
Replies: 24
Views: 3076

Re: Detroit to default on $2.5B of debt

"There's no reason for a bondholder to feel like there's any type of security" when investing in Detroit bonds, said Dan Solender, director of municipal-bond management at investment firm Lord Abbett & Co., which owns some Detroit bonds. http://finance.yahoo.com/news/detroit-bankruptcy...
by Beagler
Fri Jul 19, 2013 12:25 pm
 
Forum: Investing - Theory, News & General
Topic: Detroit to default on $2.5B of debt
Replies: 63
Views: 7628

Re: [Sad news - Pat Larimore]

Deepest condolences to Taylor and his family. May all of your good memories help to sustain you during this difficult time.
by Beagler
Wed Jul 17, 2013 9:58 pm
 
Forum: Investing - Theory, News & General
Topic: [Sad news - Pat Larimore]
Replies: 225
Views: 16248

Re: Cap-weighted funds

Enron proves your point.
by Beagler
Mon Jul 15, 2013 6:40 am
 
Forum: Investing - Theory, News & General
Topic: Cap-weighted funds
Replies: 18
Views: 1038

Re: Best Stories about meeting Jack Bogle

Mr. Bogle signed a book for me at an event at which he was speaking. He was distinguished, gracious, and his personality magnetic. I wish the world had more like him.
by Beagler
Fri Jul 05, 2013 9:05 pm
 
Forum: Investing - Theory, News & General
Topic: Best Stories about meeting Jack Bogle
Replies: 7
Views: 1641

Re: Sell-Off Risk in Bond Funds

...other than one or two cases in which Vanguard bet wrong on interest rates, I can't remember a Vanguard stock or bond fund diverging significantly from its benchmark, including in 2008. The 2002 TBM debacle comes to mind. http://www.sec.gov/Archives/edgar/data/794105/000093247103000266/bondindex0...
by Beagler
Thu Jul 04, 2013 3:36 pm
 
Forum: Investing - Theory, News & General
Topic: Sell-Off Risk in Bond Funds
Replies: 56
Views: 4190

Do you own Detroit municipal bonds?

“It definitely sets a precedent, and there’s definitely going to be a penalty going forward for the city and the state,” said Dan Solender, director of munis at Lord Abbett & Co. in Jersey City, New Jersey. The company oversees $19.5 billion of local debt. http://www.bloomberg.com/news/2013-06-1...
by Beagler
Sat Jun 22, 2013 4:34 pm
 
Forum: Investing - Theory, News & General
Topic: Do you own Detroit municipal bonds?
Replies: 10
Views: 1118

Re: Why is the Market having a major sell off?

What i don't understand is, Bernake said yesterday that the tapering will not begin until unemployment reaches 6.5%, among other criteria. He said strictly this is a threshold, and the stimulus will continue unchanged until that point. So why is there a major sell off, when no bad news was given? W...
by Beagler
Sat Jun 22, 2013 9:17 am
 
Forum: Investing - Theory, News & General
Topic: Why is the Market having a major sell off?
Replies: 121
Views: 8223

advantage over Wall Street: the long term vantage

"The irony is that while Wall Street has more information than you, its short time horizon forces it to deal with more randomness than you have to. That's your edge. And it's why any bumpkin who buys an index fund and forgets about it will beat the vast majority of professional money managers o...
by Beagler
Wed Jun 19, 2013 1:19 pm
 
Forum: Investing - Theory, News & General
Topic: advantage over Wall Street: the long term vantage
Replies: 2
Views: 257

Christine Benz interviews T. Rowe Price finan. planner

Benz: Let's talk about the challenging environment that retirees are facing, and specifically the conundrums, the multiple issues created by very low yields currently. I'd like to look at annuities, start there, because historically they have been sort of standard planning advice for people getting...
by Beagler
Sun Jun 16, 2013 7:38 pm
 
Forum: Investing - Theory, News & General
Topic: Christine Benz interviews T. Rowe Price finan. planner
Replies: 2
Views: 716

Re: An analysis my colleague did on high yield

...I would like to know what other Vanguard fund I would be wiser to invest in than VWEAX that will produce $1100 to $1200 per month like clockwork? If you listen closely you can hear the sounds of crickets chirping. The stock reply (no pun intended) might be that, in addition to the VFINX + Treasu...
by Beagler
Sun Jun 16, 2013 6:32 pm
 
Forum: Investing - Theory, News & General
Topic: An analysis my colleague did on high yield
Replies: 52
Views: 6318

Re: Investing in Foreign Bonds

Upon reading the comments, I'd gather than if Mr. Ferri or Dr. Bernstein were running the Vanguard Target Retirement Funds they would not have added in't bonds.
by Beagler
Sun Jun 09, 2013 10:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in Foreign Bonds
Replies: 14
Views: 1880

Re: "Late Bloomer Millionaires" -- A Gem

Congratulations on the interview.
by Beagler
Sun Jun 09, 2013 10:10 pm
 
Forum: Investing - Theory, News & General
Topic: "Late Bloomer Millionaires" -- A Gem
Replies: 48
Views: 11760
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