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Re: Portfolio Loss Calculator

Unless your bonds are mainly treasuries, use max loss = equity percentage/2.
by Call_Me_Op
Sat Aug 30, 2014 9:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Portfolio Loss Calculator
Replies: 1
Views: 65

Re: Does anyone have 'Lazy Portfolios'?

What the 3 fund get you is this: Rock bottom costs (and costs are the only thing you can control) Total Market ownership, which is mathematically the lowest-risk for highest-return investment strategy since you capture the average return of the market's collective wisdom I don't agree that total ma...
by Call_Me_Op
Sat Aug 30, 2014 9:28 am
 
Forum: Investing - Theory, News & General
Topic: Does anyone have 'Lazy Portfolios'?
Replies: 39
Views: 1931

Re: Help out family without compromising my own retirement?

I would demand that each of them, unless severely disabled, aggressively look for a job. As a condition for my allowing them to live rent free, I would request a monthly update on their efforts to find employment.
by Call_Me_Op
Sat Aug 30, 2014 8:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Help out family without compromising my own retirement?
Replies: 40
Views: 1945

Re: Inflation Protected Securities

minhusa, Now that Taylor has responded, let me add this. You should not follow any book's or any person's advice without fully understanding what you are doing and why you are doing it. TIPS were introduced in 1997 and investors as a whole survived nicely before they existed. So it is clear that you...
by Call_Me_Op
Fri Aug 29, 2014 8:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Inflation Protected Securities
Replies: 13
Views: 1282

Re: Inflation Protected Securities

minhnusa wrote:I need to allocate about 10% of my asset to inflation protected securities.


Interesting statement. Just why do you "need" to do so?
by Call_Me_Op
Thu Aug 28, 2014 7:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inflation Protected Securities
Replies: 13
Views: 1282

Re: Do Bogleheads worry about institutional risk?

I don't see Vanguard as any riskier than Fidelity, Schwab, etc. They can all be hacked, all be sued, etc. That is probably more-or-less correct. However, if you assume (humor me for a moment) that the probability of something like this happening to one company is independent of the probability of i...
by Call_Me_Op
Thu Aug 28, 2014 12:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do Bogleheads worry about institutional risk?
Replies: 31
Views: 1251

Re: Do Bogleheads worry about institutional risk?

Interesting question, never thought about it too hard. Are you talking about some catastrophic scenario or simply technical issues that are resolved within hours/days? I worry most about a wide-scale fraud. There is no explicit guarantee that your funds will be restored. (Be sure to the read the fi...
by Call_Me_Op
Thu Aug 28, 2014 10:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Do Bogleheads worry about institutional risk?
Replies: 31
Views: 1251

Re: Do Bogleheads worry about institutional risk?

Do a search. This has been discussed many times on this board. There is no consensus.
by Call_Me_Op
Thu Aug 28, 2014 10:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Do Bogleheads worry about institutional risk?
Replies: 31
Views: 1251

Re: I have 1M in Vanguard. Start Diversifying to Real Estate

webenterpreneur wrote:I am 29 years old, and I currently have a 65 stock 45 bond asset allocation on my Vanguard portfolio.

:confused

I'd at least reduce the bonds to 35%.
by Call_Me_Op
Thu Aug 28, 2014 6:31 am
 
Forum: Investing - Help with Personal Investments
Topic: I have 1M in Vanguard. Start Diversifying to Real Estate?
Replies: 16
Views: 2558

Re: What's "The Herd" doing today?

Nobody wants to touch long-term bonds.
by Call_Me_Op
Thu Aug 28, 2014 6:28 am
 
Forum: Investing - Theory, News & General
Topic: What's "The Herd" doing today?
Replies: 52
Views: 3400

Re: Sick Building Syndrome (Electrical Pollution)

Sensitivity to athermal effects of EM fields is, in my opinion, based mostly on junk science. How is the building ventilation? If poor, the CO2 level could be high.
by Call_Me_Op
Thu Aug 28, 2014 6:22 am
 
Forum: Personal Consumer Issues
Topic: Sick Building Syndrome (Electrical Pollution)
Replies: 17
Views: 1351

Re: Can someone make a living as a Boglehead financial advis

If you want to help someone, I would just tell them about the Bogleheads forum. If they are not interested enough to explore the forum on their own, I don't think they should be investing anyway.
by Call_Me_Op
Wed Aug 27, 2014 12:35 pm
 
Forum: Investing - Theory, News & General
Topic: Can someone make a living as a Boglehead financial advisor?
Replies: 23
Views: 3044

Re: Motif Investing - own the S&P500 for less

Two comments:

1.) 30 stocks is not as diversified as 500.
2.) My time is worth something - certainly more than the minute cost savings cited.
by Call_Me_Op
Wed Aug 27, 2014 6:55 am
 
Forum: Investing - Theory, News & General
Topic: Motif Investing - own the S&P500 for less
Replies: 75
Views: 3307

Re: How I beat Indexing... in 1 hour

The title should be "How I beat Indexing....for 1 hour."
by Call_Me_Op
Tue Aug 26, 2014 9:56 am
 
Forum: Investing - Theory, News & General
Topic: How I beat Indexing... in 1 hour
Replies: 53
Views: 6982

Re: How I beat Indexing... in 1 hour

The market was up in August and therefore, so were your stocks. What you engaged in is called short-term speculation. Sometimes you win, sometimes you lose - but it is not a good long-term strategy. It should not be surprising that with a few stocks you can sometimes beat the indexes - which are com...
by Call_Me_Op
Tue Aug 26, 2014 9:50 am
 
Forum: Investing - Theory, News & General
Topic: How I beat Indexing... in 1 hour
Replies: 53
Views: 6982

Re: When to leave a neighborhood for greener pastures?

When younger, I wanted a big house on a huge lot. Now I realize that a big house means higher taxes, higher maintenance, more to keep clean, etc. I have a modest-size, comfortable home on a small well-manicured lot that is easily affordable (and paid for). If you are going to move, take your time lo...
by Call_Me_Op
Tue Aug 26, 2014 7:34 am
 
Forum: Personal Consumer Issues
Topic: When to leave a neighborhood for greener pastures?
Replies: 41
Views: 4056

Re: What if there were only index funds?

If you think about it, the question doesn't really make much sense. With only index funds, the market would have no mechanism for setting the price of stocks. If a law were passed that prohibited all stock trading and only allowed index funds, the market as we know it would seek to exist. But as lon...
by Call_Me_Op
Mon Aug 25, 2014 11:11 am
 
Forum: Investing - Theory, News & General
Topic: What if there were only index funds?
Replies: 20
Views: 1762

Re: did I damage my fridge by leaving the door open for a we

I would not be concerned. My refrigerator compressor normally runs at close to 50% duty cycle. So perhaps you shortened the life by 1 week, which is negligible compared to mean-time to failure (expected life).
by Call_Me_Op
Mon Aug 25, 2014 8:16 am
 
Forum: Personal Consumer Issues
Topic: did I damage my fridge by leaving the door open for a week?
Replies: 31
Views: 2684

Re: Financial Advisor Compensation

I think the OP may be referring to a situation where you have a reasonably-large account with a major brokerage firm and they assign an "advisor" to you for no additional fee. Many firms do this, and account size can be relatively modest to qualify. These folks are paid a salary by the fir...
by Call_Me_Op
Sat Aug 23, 2014 9:37 am
 
Forum: Investing - Theory, News & General
Topic: Financial Advisor Compensation
Replies: 36
Views: 2802

Re: Why only stocks in a taxable account at retirement?

I have separate taxable and tax-deferred AA's - in part for this reason, but there are several other good reasons. My plan is to use the taxable account first. At 70 1/2, I'll be taking SS and RMD. So taxable really only needs to last until 70 1/2. Accordingly, the tax-deferred is invested more aggr...
by Call_Me_Op
Wed Aug 20, 2014 12:33 pm
 
Forum: Investing - Theory, News & General
Topic: Why only stocks in a taxable account at retirement?
Replies: 26
Views: 1840

Re: TIPS vs SVF

Isn't a Stable Value fund more like a Bond fund than TIPS? Don't you need TIPS + Bonds OR SV? First, TIPS are bonds. Second, "need" is a very strong word, too often employed casually in this forum. You don't "need" to do anything. I think you are asking whether it is better (in ...
by Call_Me_Op
Wed Aug 20, 2014 8:31 am
 
Forum: Investing - Help with Personal Investments
Topic: TIPS vs SVF
Replies: 12
Views: 1337

Re: Convincing fears on investing for now?

I'm a Boglehead, you can even call me a "Boglehead purist"... You are certainly not a Boglehead purist. You are using an evaluation metric to try to time the market. Bogleheads believe staying invested at all times in accordance with their IPS - which typically means having some more-or-l...
by Call_Me_Op
Tue Aug 19, 2014 11:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Convincing fears on investing for now?
Replies: 34
Views: 3300

Re: Defining "Stay the Course"

I am a pretty consistent Boglehead with a plan and am good at mainly sticking to it. But I just had a job-related life event that suddenly changed my risk profile. As a result, I moved my 4% allocation of High Yield bond fund to intermediate bonds. I know there has been a flow recently out of high ...
by Call_Me_Op
Tue Aug 19, 2014 10:24 am
 
Forum: Investing - Theory, News & General
Topic: Defining "Stay the Course"
Replies: 41
Views: 3647

Re: Gold, Silver, Copper

Funny how people think gold is low because it is much lower than its high. Gold is notoriously difficult to value, but if I were to value it I would say that it is significantly over-valued based upon its long-term relationship to US inflation. That does not mean it can't go up in the short-term.
by Call_Me_Op
Tue Aug 19, 2014 8:42 am
 
Forum: Investing - Theory, News & General
Topic: Gold, Silver, Copper
Replies: 113
Views: 6978

Re: Is a big war coming ???

If the general consensus were that you are correct, commodities would not be at all time lows. Remember that all that is widely believed is already baked into the cake(s).
by Call_Me_Op
Tue Aug 19, 2014 8:39 am
 
Forum: Investing - Theory, News & General
Topic: Is a big war coming ???
Replies: 37
Views: 3809

Re: Bond Question

50% in VBMPX

50% in VIPSX
by Call_Me_Op
Sun Aug 17, 2014 8:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond Question
Replies: 7
Views: 465

Re: Spouse not ready to cut ties with financial advisers

Tibbits: We have no kids. I'm an accountant and they do send me clients on referrals. But not $30,000 worth!. I have an engineering background (no formal finance education except for obligatory course in macro-economics) and find no difficulty managing my portfolio. In fact, sound investing is so e...
by Call_Me_Op
Sun Aug 17, 2014 7:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Spouse not ready to cut ties with financial advisers
Replies: 111
Views: 8502

Re: GTU and taxes [Central GoldTrust closed-end fund]

Hi Tanelorn, After a more careful read, it looks like you are correct. Thanks for the feedback. Do you have direct experience with the QEF election process? When they say to make the election in the year the fund is purchased I assume this actually means when you are filing your taxes the following ...
by Call_Me_Op
Sun Aug 17, 2014 7:31 am
 
Forum: Investing - Theory, News & General
Topic: GTU and taxes [Central GoldTrust closed-end fund]
Replies: 4
Views: 343

GTU and taxes [Central GoldTrust closed-end fund]

Some here are aware of the potential advantage of holding gold in taxable via GTU, which is a closed-end fund. Essentially, if you fill-out the proper paperwork, long-term gains are taxed at your LTG tax rate rather than the 28% collectibles rate. However, I have not seen discussed the following big...
by Call_Me_Op
Sat Aug 16, 2014 12:03 pm
 
Forum: Investing - Theory, News & General
Topic: GTU and taxes [Central GoldTrust closed-end fund]
Replies: 4
Views: 343

Re: Taxation of Gold in Taxable Account

Thanks tn. I understand that a certain IRS form needs to be completed the year(s) you purchase GTU as well as the year(s) that you sell. Is this correct?
by Call_Me_Op
Fri Aug 15, 2014 10:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Taxation of Gold in Taxable Account
Replies: 2
Views: 217

Taxation of Gold in Taxable Account

My understanding is that holding gold (for long periods) in a closed-end fund (such as GTU) results in tax treatment identical to that of long-term capital gains. The combined long-term capital gains tax rates are much lower than combined collectible tax rates (at least for those in higher brackets)...
by Call_Me_Op
Fri Aug 15, 2014 10:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Taxation of Gold in Taxable Account
Replies: 2
Views: 217

Re: Cost of House Power Washing

I have a small 2 story house, 30 foot by 28 foot footprint. I received an estimate to wash half of the house (the other half is clean) for $500.
by Call_Me_Op
Thu Aug 14, 2014 2:50 pm
 
Forum: Personal Consumer Issues
Topic: Cost of House Power Washing
Replies: 8
Views: 821

Re: Cost of House Power Washing

Due to the height and other issues, I plan to hire someone to do the work.
by Call_Me_Op
Thu Aug 14, 2014 2:40 pm
 
Forum: Personal Consumer Issues
Topic: Cost of House Power Washing
Replies: 8
Views: 821

Cost of House Power Washing

Is anyone familiar with rates (say, per square foot) for having vinyl siding on one's house power-washed (or otherwise cleaned)? Also, are there good less-toxic alternatives to diluted bleach (for mold/mildew)?
by Call_Me_Op
Thu Aug 14, 2014 2:24 pm
 
Forum: Personal Consumer Issues
Topic: Cost of House Power Washing
Replies: 8
Views: 821

Re: Beat The Street's Permanent Portfolio

Beat The Street wrote:
Call_Me_Op wrote:Include 30% in 30 year zeroes as part of just about any back-tested portfolio and it will look good.

Did it look good in 2013 when it lagged the market by almost 27%?


That was one year. Over ay appreciable time period in the recent past, 30 year treasuries have done quite well.
by Call_Me_Op
Wed Aug 13, 2014 2:20 pm
 
Forum: Investing - Theory, News & General
Topic: Beat The Street's Permanent Portfolio
Replies: 36
Views: 3065

Re: Beat The Street's Permanent Portfolio

Clearly_Irrational wrote: During most periods of normal inflation real interest rates would be positive and I wouldn't be holding gold anyways.


I wouldn't think that only buying gold when it is in high demand (such as when real rates are negative) is a particularly profitable strategy.
by Call_Me_Op
Wed Aug 13, 2014 2:19 pm
 
Forum: Investing - Theory, News & General
Topic: Beat The Street's Permanent Portfolio
Replies: 36
Views: 3065

Re: Beat The Street's Permanent Portfolio

Boy oh boy oh boy I do not understand the love that long-term bonds seem to have been getting lately. I can't understand committing for thirty years to a judgement about what inflation and interest rates are going to do. I don't see how anybody who lived through 1975-1985 could, and that wasn't by ...
by Call_Me_Op
Wed Aug 13, 2014 1:43 pm
 
Forum: Investing - Theory, News & General
Topic: Beat The Street's Permanent Portfolio
Replies: 36
Views: 3065

Re: Beat The Street's Permanent Portfolio

Include 30% in 30 year zeroes as part of just about any back-tested portfolio and it will look good.
by Call_Me_Op
Wed Aug 13, 2014 12:25 pm
 
Forum: Investing - Theory, News & General
Topic: Beat The Street's Permanent Portfolio
Replies: 36
Views: 3065

Re: 3.3% Vanguard 10 year CD

OP: I suggested you think twice before going out that long, and you have, indeed, thought it through. so I have your blessing to pull the trigger? Do you really need John's blessing? As pointed-out earlier, everyone who own an intermediate bond fund holds some bonds with 10 year (or even greater) m...
by Call_Me_Op
Mon Aug 11, 2014 7:38 am
 
Forum: Investing - Help with Personal Investments
Topic: 3.3% Vanguard 10 year CD
Replies: 98
Views: 9334

Re: Going 60+% international? (US resident)

It's hard to envision a scenario where the US market enters a Japan-like situation, while the rest of the equities markets hums along like lollipops and unicorns. But I suppose there is always the chance.... In early 2007, it would have been hard to envision what happened in 2008. The hard to envis...
by Call_Me_Op
Sun Aug 10, 2014 9:17 am
 
Forum: Investing - Theory, News & General
Topic: Going 60+% international? (US resident)
Replies: 83
Views: 5947

Re: Need for International Investing ?

So when John Bogle and Warren Buffett agree that international is not necessary, and after reading Jack's chapter on why he feels this way, I feel pretty secure not holding it. Jack did not come to this decision lightly and his chapter in Common Sense on Mutual Funds proves that point. What does th...
by Call_Me_Op
Sun Aug 10, 2014 9:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Need for International Investing ?
Replies: 49
Views: 2613

Re: Going 60+% international? (US resident)

Mr. Bogle, in Common Sense on Mutual Funds, devotes an entire chapter to Global Investing. You may or may not agree, but after reading his chapter you will realize that he is extremely well informed on the subject and did not come to his recommendation lightly ("up to 20% international")....
by Call_Me_Op
Sun Aug 10, 2014 8:27 am
 
Forum: Investing - Theory, News & General
Topic: Going 60+% international? (US resident)
Replies: 83
Views: 5947

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

This has been discussed before but again I want to be sure: OK, so someone cracks my Vanguard (or Fidelity etc) password. Then what? Yeah, they could "sell" a highly appreciated security, incurring big capital gains taxes and create other havoc. But the real risk is that the money gets wi...
by Call_Me_Op
Sun Aug 10, 2014 8:06 am
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 7443

Re: Going 60+% international? (US resident)

Nispirius, I don't understand why you're an international skeptic, or that diversifying into international stocks doesn't have much of an advantage. I'd argue it most certainly does; just as if you live in any other country outside of the US, it makes sense to hold a substantial weight in US equiti...
by Call_Me_Op
Sun Aug 10, 2014 7:26 am
 
Forum: Investing - Theory, News & General
Topic: Going 60+% international? (US resident)
Replies: 83
Views: 5947

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

Why wouldn't a given firm use a proprietary hash algorithm? Seems like that would greatly reduce the odds of compromise since the attacker would need more than a bank of fast computers to extract the passwords.They need to know the proprietary hash algorithm.
by Call_Me_Op
Sun Aug 10, 2014 7:22 am
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 7443

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

Dumb question (perhaps): Since a website (e.g., Fidelity) will typically flag 3 or more attempts to enter a password (for any given username), how can these programs go through millions and billions of character combinations to find the right one? In other words, what is their test metric? They are...
by Call_Me_Op
Sat Aug 09, 2014 1:30 pm
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 7443

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

Dumb question (perhaps): Since a website (e.g., Fidelity) will typically flag 3 or more attempts to enter a password (for any given username), how can these programs go through millions and billions of character combinations to find the right one? In other words, what is their test metric? They are...
by Call_Me_Op
Sat Aug 09, 2014 10:57 am
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 7443

Re: The Worst Investment You Can Make: Buying a Home

IMO, owning a house (versus a condo, or renting - or living under a bridge) should be viewed in terms of a lifestyle decision, not in terms of its performance as an investment.
by Call_Me_Op
Sat Aug 09, 2014 10:54 am
 
Forum: Investing - Theory, News & General
Topic: The Worst Investment You Can Make: Buying a Home
Replies: 135
Views: 15708

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

Dumb question (perhaps): Since a website (e.g., Fidelity) will typically flag 3 or more attempts to enter a password (for any given username), how can these programs go through millions and billions of character combinations to find the right one? In other words, what is their test metric?
by Call_Me_Op
Sat Aug 09, 2014 9:06 am
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 7443

Re: Understanding Muni/Treasury spreads

The most relevant point made in the responses was provided above by #Cruncher. You should not be using the distribution yield to compare funds. Distribution yield has nothing to do with the yield you will obtain if you purchase the fund.
by Call_Me_Op
Sat Aug 09, 2014 8:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Understanding Muni/Treasury spreads
Replies: 9
Views: 827
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