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Re: International is disappointing

Vanguard Total International has underperformed the S&P 500 in the past 5 years by more than 60%? So disappointing that I'm considering taking the risk and going 100% Vanguard TSM (Total Stock Market). The exact emotional wrong-headed thinking that causes most investors to realize poor long-ter...
by Call_Me_Op
Sat Feb 28, 2015 10:25 am
 
Forum: Investing - Help with Personal Investments
Topic: International is disappointing
Replies: 72
Views: 3942

Re: Is a generator worth it?

Living in New England, my biggest issue with a permanent generator is that you need to keep them clear of snow and keep them outside. It would be a real pain to trudge through 5 foot snow-drifts to clear-off a generator in the middle of a blizzard with 60 mph winds and sub-zero wind chill. I am cons...
by Call_Me_Op
Sat Feb 28, 2015 8:13 am
 
Forum: Personal Consumer Issues
Topic: Is a generator worth it?
Replies: 74
Views: 3335

Re: Only 2 Funds Needed - Wellington & Wellesley?

The title of this thread starts with "Only two funds needed?" I don't think this question can be answered, since the word "need" is almost impossible to define in the context of investing. Do you need to invest at all? I have no idea.
by Call_Me_Op
Sun Feb 22, 2015 8:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Only 2 Funds Needed - Wellington & Wellesley?
Replies: 7
Views: 1270

Re: why do some people like Fidelity?

Best customer service in the industry.
by Call_Me_Op
Sat Feb 21, 2015 7:10 am
 
Forum: Investing - Theory, News & General
Topic: why do some people like Fidelity?
Replies: 67
Views: 6677

Re: I want to buy some bonds, but know nothing about them

Why would you want to buy something about which (by your own admission) you know nothing?
by Call_Me_Op
Sat Feb 14, 2015 8:54 am
 
Forum: Investing - Help with Personal Investments
Topic: I want to buy some bonds, but know nothing about them
Replies: 16
Views: 1371

Re: iPhone radiation levels

Has there been a single documented case of cancer due to cell phone exposure? I worry about comments like this. How can you prove it? We know that wood smoke is bad, but how do you prove that a particular cancer is caused by wood smoke when the same person is exposed to so many things on a day to d...
by Call_Me_Op
Mon Feb 09, 2015 7:41 am
 
Forum: Personal Finance (Not Investing)
Topic: iPhone radiation levels
Replies: 31
Views: 2336

Re: iPhone radiation levels

Has there been a single documented case of cancer due to cell phone exposure? I worry about comments like this. How can you prove it? We know that wood smoke is bad, but how do you prove that a particular cancer is caused by wood smoke when the same person is exposed to so many things on a day to d...
by Call_Me_Op
Sun Feb 08, 2015 3:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: iPhone radiation levels
Replies: 31
Views: 2336

Re: Unhappy With Job Raise

If you are 25, 3% is a lousy raise. If you are over 50, that's about as high as it gets.
by Call_Me_Op
Sat Feb 07, 2015 8:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Unhappy With Job Raise
Replies: 78
Views: 7588

Re: Dave Ramsey says you shouldn't own bonds?

John3754 wrote:
obgyn65 wrote:I agree. Bonds are scary. I would stick to CDs.


CDs are bonds.


Hmmmm..perhaps technically speaking, but the characteristics of bank CD's are quite different from nominal bonds and lumping them together does the former a disservice.
by Call_Me_Op
Sat Feb 07, 2015 7:52 am
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says you shouldn't own bonds?
Replies: 64
Views: 8800

Re: Jack Bogle: We Need to Fix the Bond Index

Why should we change an index just because we don't like the weighting of its components? That smells of speculation.
by Call_Me_Op
Mon Feb 02, 2015 7:18 am
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle: We Need to Fix the Bond Index
Replies: 89
Views: 9781

Re: Anyone know when CD rates will increase?

Smartguy2351 wrote:Does anyone know when CD rates will increase?


How could anyone possibly know that?
by Call_Me_Op
Wed Jan 28, 2015 7:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Anyone know when CD rates will increase?
Replies: 70
Views: 5368

Re: Why do brokerages give commission free-etfs

You don't think these firms are into charity, do you? They get paid a slice of the ETF's expense ratio or a slice of the spread.
by Call_Me_Op
Wed Jan 28, 2015 7:47 am
 
Forum: Investing - Theory, News & General
Topic: Why do brokerages give commission free-etfs
Replies: 19
Views: 1858

Re: Snow on Gas Meter?

I received a phone message from my electric company telling us (with the impending storm) to keep gas vents and the gas meter clear of snow. Curious why the electric company is interested in keeping the gas vents, normally associated with the gas provider, clear of snow? Are they one and the same c...
by Call_Me_Op
Tue Jan 27, 2015 2:29 pm
 
Forum: Personal Consumer Issues
Topic: Snow on Gas Meter?
Replies: 13
Views: 1552

Snow on Gas Meter?

I received a phone message from my electric company telling us (with the impending storm) to keep gas vents and the gas meter clear of snow. Well, I understand about the vent, but my gas meter is placed right over a small pit in the ground. (That's they way the house was built 10 years ago.) The met...
by Call_Me_Op
Mon Jan 26, 2015 6:44 pm
 
Forum: Personal Consumer Issues
Topic: Snow on Gas Meter?
Replies: 13
Views: 1552

Re: Downside to eDelivery?

Toons wrote:
Don't store them on the computer,,view statements,,etc on providers servers,,,Vanguard,banking,utilities..etc :happy


Are you really OK having no record of your assets in your possession?
by Call_Me_Op
Mon Jan 26, 2015 8:00 am
 
Forum: Personal Consumer Issues
Topic: Downside to eDelivery?
Replies: 36
Views: 2206

Re: How much umbrella insurance do I need?

There are many protected and non protected classes of assets, which vary from state to state. Typical protected classes include social security, disability, welfare, unemployment, your primary residence, 401(k)s, pensions, and HSAs. There is state to state variability on whole or variable universal...
by Call_Me_Op
Sun Jan 25, 2015 11:29 am
 
Forum: Personal Finance (Not Investing)
Topic: How much umbrella insurance do I need?
Replies: 19
Views: 2148

Re: Downside to eDelivery?

Nisi, Can't you solve the problem by saving your (more recent) statements to a CD and telling your heirs where you keep it? That way, everything is up to date and in one place. This falls in the category of "just be organized." First, not everyone is. Second, not everyone stays that way. ...
by Call_Me_Op
Sun Jan 25, 2015 9:05 am
 
Forum: Personal Consumer Issues
Topic: Downside to eDelivery?
Replies: 36
Views: 2206

Re: Separating 5-10 yr investments from retirement portolio

I have my asset placed in 2 buckets - one for before age 70 and one for after. After 70 (assuming I make it) I plan to live on SS and RMD's.
by Call_Me_Op
Sun Jan 25, 2015 8:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Separating 5-10 yr investments from retirement portolio
Replies: 26
Views: 1617

Re: Downside to eDelivery?

Nisi,

Can't you solve the problem by saving your (more recent) statements to a CD and telling your heirs where you keep it? That way, everything is up to date and in one place.
by Call_Me_Op
Sun Jan 25, 2015 7:55 am
 
Forum: Personal Consumer Issues
Topic: Downside to eDelivery?
Replies: 36
Views: 2206

Re: Downside to eDelivery?

If your computer is lost or stolen or the hard drive crashes, you not only lose the latest copies of these documents (if you hadn't done a backup since receiving them), but your personal data can end up in someone else's hands. No. I would back-up the data on CDs. If stored on hard-drive, would be ...
by Call_Me_Op
Sun Jan 25, 2015 6:38 am
 
Forum: Personal Consumer Issues
Topic: Downside to eDelivery?
Replies: 36
Views: 2206

Re: Downside to eDelivery?

My ISP is over vigilant about spam. I have spam filtering turned off, so I see perfectly good email come in marked as spam sometimes. Even though turning spam filtering off is supposed to let everything through, I think it doesn't. They seem particularly likely to view document type email as spam. ...
by Call_Me_Op
Sat Jan 24, 2015 2:49 pm
 
Forum: Personal Consumer Issues
Topic: Downside to eDelivery?
Replies: 36
Views: 2206

Downside to eDelivery?

I am considering signing-up for eDelivery for my financial accounts. Although there's an old-fashioned side to me that is hesitant to give-up mailed statements, eDelivery seems to actually be safer because it eliminates the statements sitting in your mailbox. In addition, you avoid having to shred a...
by Call_Me_Op
Sat Jan 24, 2015 1:04 pm
 
Forum: Personal Consumer Issues
Topic: Downside to eDelivery?
Replies: 36
Views: 2206

Re: Online safety and security tips

How does a password manager work? I would be nervous having my passwords recorded anywhere electronically - regardless of encryption.
by Call_Me_Op
Sat Jan 24, 2015 7:58 am
 
Forum: Personal Consumer Issues
Topic: Online safety and security tips
Replies: 12
Views: 1312

Re: Gotta Be a Bear Market Coming

The economy looks strong with growth up and unemployment down. Nonetheless, I'e got to think this bull market is getting somewhat aged. While I won't resort to market-timing, I am bracing - perhaps irrationally - bracing for a major correction or bear market. If you have to "brace" (whate...
by Call_Me_Op
Sat Jan 24, 2015 6:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Gotta Be a Bear Market Coming
Replies: 64
Views: 7770

Re: How much umbrella insurance do I need?

Do a search and you will find many threads discussing this question. Bottom line is there is no consensus.
by Call_Me_Op
Fri Jan 23, 2015 12:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much umbrella insurance do I need?
Replies: 19
Views: 2148

Re: $50,000 to invest, want little to no risk. CDs? Silver?

CD's and silver in the same breath? Surely you must be joking....
by Call_Me_Op
Thu Jan 22, 2015 1:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: $50,000 to invest, want little to no risk. CDs? Silver? Etc?
Replies: 37
Views: 3650

Treasury Direct Question

I don't get any type of mailed statements for my Treasury Direct account. Does anyone know whether they offer edelivery of some sort of statement? In the past, I have just periodically checked my balance online.
by Call_Me_Op
Tue Jan 20, 2015 8:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct Question
Replies: 6
Views: 564

Re: EE bonds vs iBonds

I think about how things have changed over the last 20 years and I just don't like the idea of tying my money up for that long (yes I could cash them in, but if I do so I accept an interest rate of 0.10 %). Certainly it could be the case that 3.5% will turn out to be a great interest rate for the n...
by Call_Me_Op
Sun Jan 18, 2015 8:40 am
 
Forum: Investing - Help with Personal Investments
Topic: EE bonds vs iBonds
Replies: 29
Views: 2562

Re: Bonds Vs Cash

My 60/40 portfolio is 37% in cash so the question is - should I move some of the cash into bonds as theory and most advice suggests and why? I think you will need to decide this for yourself. There are no "shoulds" and "musts" that apply generally. The rates on safe bonds are so...
by Call_Me_Op
Sun Jan 18, 2015 8:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Bonds Vs Cash
Replies: 7
Views: 1089

Re: Which are the best short/long term U.S. Treasuries?

Smartguy2351 wrote:In Tony Robbins new book about money "Master The Game," He speaks with Ray Dalio, a guy who is known to be the best asset allocator in the world.


According to whom, Tony Robbins?
by Call_Me_Op
Sat Jan 17, 2015 6:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which are the best short/long term U.S. Treasuries?
Replies: 10
Views: 1077

Re: How do I retire?

You have way more than you need for a reasonable lifestyle. You don't need more money, just more education and guidance regarding asset distribution approaches in retirement.
by Call_Me_Op
Sat Jan 17, 2015 7:37 am
 
Forum: Personal Finance (Not Investing)
Topic: How do I retire?
Replies: 53
Views: 4809

Re: Why invest in International funds? It's a mystery

Why look at only 25 years? Let's look at 42 years, 1972 - 2014. Portfolio #1 - 100% S&P 500...........................................................CAGR = 10.28% Portfolio #2 - 25% S&P 500, 25% SC Blend, 25% Int Blend, 25% EM...............CAGR = 12.48% Over the 42 year period, if you inve...
by Call_Me_Op
Sat Jan 17, 2015 7:08 am
 
Forum: Investing - Theory, News & General
Topic: Why invest in International funds? It's a mystery
Replies: 121
Views: 10724

Re: Benefits of Second Home

Strictly a matter of preference. Most of the benefits you cite would be aggravations for me.
by Call_Me_Op
Fri Jan 16, 2015 12:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Benefits of Second Home
Replies: 35
Views: 3286

Re: munis: long-term + short-term = int-term

If I already hold some long-term munis and they have a decent capital gain, and generally do not want to keep them, would balancing them out with short-term munis be the equivalent of holding an intermediate-term muni? Not equivalent, but similar. The barbell structure (with comparable average dura...
by Call_Me_Op
Fri Jan 16, 2015 7:35 am
 
Forum: Investing - Help with Personal Investments
Topic: munis: long-term + short-term = int-term
Replies: 4
Views: 843

Re: 3%, 10-year CD bought today

Your only significant risk is unexpected inflation.
by Call_Me_Op
Thu Jan 15, 2015 11:18 am
 
Forum: Investing - Theory, News & General
Topic: 3%, 10-year CD bought today
Replies: 35
Views: 3416

Re: Free Credit Monitoring?

Thanks. I am wondering if I should freeze my credit or just sign-up for this - or do both - or something else.
by Call_Me_Op
Wed Jan 14, 2015 6:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Free Credit Monitoring?
Replies: 4
Views: 339

Free Credit Monitoring?

I stumbled across this website, which claims to offer free credit monitoring. Anyone familiar with it?

https://www.creditkarma.com/credit-monitoring
by Call_Me_Op
Wed Jan 14, 2015 12:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Free Credit Monitoring?
Replies: 4
Views: 339

Re: Moving ALL my accounts to Vanguard

I worry about theft from the account - not Vanguard failing.
by Call_Me_Op
Sun Jan 11, 2015 6:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving ALL my accounts to Vanguard
Replies: 16
Views: 2202

Re: Remind me: why am I holding VG's longer-term TIPS fund?

Short term real yields have had to rise to attract investors in the face of looming disinflation due to falling oil prices. However, why do you care if you have a long time horizon?
by Call_Me_Op
Sun Jan 11, 2015 8:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Remind me: why am I holding VG's longer-term TIPS fund?
Replies: 31
Views: 3452

Re: "Vanguard Group execs say deflation a real risk..."

livesoft wrote:Did they say what to do in order to benefit from deflation? Or at least how to take advantage of deflation?


Traditionally, the answer has been long-term (nominal) treasuries.
by Call_Me_Op
Sat Jan 10, 2015 7:40 am
 
Forum: Investing - Theory, News & General
Topic: "Vanguard Group execs say deflation a real risk..."
Replies: 61
Views: 6309

Re: "Vanguard Group execs say deflation a real risk..."

TIPS and Inflation Bonds: How does this impact the "need" for holding them and placement in a well diversified portfolio? TIPS have only been around since 1997 so they are "new" and have not been tested in a multitude of environments. Why do they need to be tested? We know exact...
by Call_Me_Op
Sat Jan 10, 2015 7:35 am
 
Forum: Investing - Theory, News & General
Topic: "Vanguard Group execs say deflation a real risk..."
Replies: 61
Views: 6309

Re: Vanguard Mutual Fund or Brokerage acct?

Wondering what the advantages of the brokerage account type vs the mutual fund account type at Vanguard. I'm primarily invested in Fidelity and happy with them but I'd like access to the admiral class funds at Vanguard. Is there any reason to opt for the brokerage account option if I don't plan on ...
by Call_Me_Op
Fri Jan 09, 2015 9:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Mutual Fund or Brokerage acct?
Replies: 3
Views: 797

Re: Jonathan Clements Money Guide 2015 -- A Gem

Thanks Taylor. I know it's not good to move too often, but not necessarily for the reason cited in your first post. It's all of the associated costs that get you - real estate broker, moving expenses, move-in expenses, etc - not to mention aggravation.
by Call_Me_Op
Fri Jan 09, 2015 8:56 am
 
Forum: Investing - Theory, News & General
Topic: Jonathan Clements Money Guide 2015 -- A Gem
Replies: 17
Views: 3049

Re: Jonathan Clements Money Guide 2015 -- A Gem

Not sure #3 makes sense. It you sell your home when prices are down, the next home you buy will also be cheap.
by Call_Me_Op
Fri Jan 09, 2015 8:01 am
 
Forum: Investing - Theory, News & General
Topic: Jonathan Clements Money Guide 2015 -- A Gem
Replies: 17
Views: 3049

Re: Busting the "myth" of the small cap / size premium ?

This article is claiming that small stocks do not hold a significant advantage in risk adjusted returns. That may be true. They do show an advantage in absolute returns, which is why I hold them.
by Call_Me_Op
Wed Jan 07, 2015 5:34 pm
 
Forum: Investing - Theory, News & General
Topic: Busting the "myth" of the small cap / size premium ?
Replies: 14
Views: 1766

Re: Vanguard introduces first muni bond index fund and ETF

This is interesting. There is a school of thought that believes that indexing of municipal bonds is not the best approach.
by Call_Me_Op
Tue Jan 06, 2015 9:49 am
 
Forum: Investing - Theory, News & General
Topic: New Vanguard AMT-free National Municipal Bond Fund
Replies: 79
Views: 7079

Re: Paper Statements

This is mostly an age issue. If you don't have a minimum amount of computer skill to be able to organize files, document where things are, and backup to an external location, you'll probably prefer paper across the board. My dad's a boomer and this is what I've observed. I think you are mostly righ...
by Call_Me_Op
Mon Jan 05, 2015 2:17 pm
 
Forum: Personal Consumer Issues
Topic: Paper Statements
Replies: 68
Views: 3411

Re: Why do you look at past performance of stocks/funds?

Past performance of stocks and funds means little or nothing. However, long-term past performance (absolute and relative) of asset classes and asset class categories is relevant, in my opinion.
by Call_Me_Op
Mon Jan 05, 2015 11:06 am
 
Forum: Investing - Theory, News & General
Topic: Why do you look at past performance of stocks/funds?
Replies: 28
Views: 2395
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