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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: 52
Views: 3716

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: 1778

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: 1496

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: 1496

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: 2144

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: 2117

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: 2144

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: 1547

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: 2144

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: 2144

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: 2144

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: 2144

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: 1219

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: 7658

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: 2117

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: 3462

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: 537

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: 2485

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: 1059

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: 1047

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: 4721

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: 10514

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: 3185

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: 831

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: 3387

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: 319

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: 319

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: 2160

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: 3423

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: 6234

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: 6234

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: 780

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: 3012

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: 3012

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: 1743

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: 58
Views: 5042

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: 3397

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: 2384

Re: Was it a mistake to move into PenFed 5-year CDs a year a

Be careful not to confuse strategy with outcome (especially in the short term).
by Call_Me_Op
Mon Jan 05, 2015 11:03 am
 
Forum: Investing - Theory, News & General
Topic: Was it a mistake to move into PenFed 5-year CDs a year ago?
Replies: 55
Views: 4864

Re: Paper Statements

Am I the only one who cannot give-up receiving financial statements in paper form? I do not feel comfortable otherwise. Am I wrong to feel this way? I keep paper also. I just like it, and there have been a couple of threads in here about brokerage houses losing accounts and the people having to roo...
by Call_Me_Op
Sun Jan 04, 2015 2:59 pm
 
Forum: Personal Consumer Issues
Topic: Paper Statements
Replies: 68
Views: 3397

Re: Why not just follow John Bogle

I often scratch my head in dismay when reading so many here follow advice from other respected professionals who seem to have more complicated and inferior advice from John Bogle. I admit I don't know much about Paul Merriman or David Swensen but when I see people talking about their suggestions th...
by Call_Me_Op
Sun Jan 04, 2015 9:38 am
 
Forum: Investing - Theory, News & General
Topic: Why not just follow John Bogle
Replies: 78
Views: 5912

Re: The riskiest (Bogleheads) portfolio you can think of

100% in emerging markets small-cap value.
by Call_Me_Op
Sun Jan 04, 2015 7:51 am
 
Forum: Investing - Help with Personal Investments
Topic: The riskiest (Bogleheads) portfolio you can think of
Replies: 15
Views: 1627

Paper Statements

Am I the only one who cannot give-up receiving financial statements in paper form? I do not feel comfortable otherwise. Am I wrong to feel this way?
by Call_Me_Op
Sun Jan 04, 2015 7:49 am
 
Forum: Personal Consumer Issues
Topic: Paper Statements
Replies: 68
Views: 3397

Re: Bond fund and tax efficiency

Is there some reason you do not want to use intermediate tax-exempt in taxable?
by Call_Me_Op
Sat Jan 03, 2015 2:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond fund and tax efficiency
Replies: 2
Views: 230

Re: Tax-exempt muni bonds: calculating the trade-off

Remember not to compare these directly with treasuries based upon interest rate alone, since they are not as safe.
by Call_Me_Op
Sat Jan 03, 2015 2:08 pm
 
Forum: Investing - Theory, News & General
Topic: Tax-exempt muni bonds: calculating the trade-off
Replies: 17
Views: 2170

Re: Should I even be in bonds?

gardemanger wrote:Why show a chart that goes back to 1802?....I smell cherry-picking.


:?
by Call_Me_Op
Sat Jan 03, 2015 8:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I even be in bonds?
Replies: 40
Views: 3667

Re: Stable value vs Bond funds

I have retirement "safe" money in nominal bonds, TIPS, and Stable Value. Why not use an "all of the above" strategy?
by Call_Me_Op
Sat Jan 03, 2015 7:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Stable value vs Bond funds
Replies: 6
Views: 676

Re: Underweight US equities

How did you end-up so overweight in an asset class that has recently underperformed?
by Call_Me_Op
Sat Jan 03, 2015 7:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Underweight US equities
Replies: 7
Views: 653

Re: Is Asset Class Picking the New Stock Picking?

Doesn't mean these relationships will hold in the future, but I believe it is more likely than not since investors continue to possess similar behavioral characteristics. Just on this one point, a large portion of "investors" out there now are computer programs executing trades on a nanos...
by Call_Me_Op
Fri Jan 02, 2015 11:17 am
 
Forum: Investing - Theory, News & General
Topic: Is Asset Class Picking the New Stock Picking?
Replies: 18
Views: 1355
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