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Re: Implications of Marriage - she with debt and low income

bengal22 wrote:One should marry for love.


Certainly. But this does not mean that if you believe you are in love you should get married.
by Call_Me_Op
Mon Mar 30, 2015 12:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Implications of Marriage - she with debt and low income (WI)
Replies: 52
Views: 4127

Re: umbrella vs. asset protection

I always thought that an umbrella policy IS for asset protection.
by Call_Me_Op
Mon Mar 30, 2015 8:42 am
 
Forum: Personal Finance (Not Investing)
Topic: umbrella vs. asset protection
Replies: 6
Views: 629

Re: Wise move to move some $ to cash before bear market?

I knew I would get these responses. Market timing. But, it sure seems if somebody took out 30% and put it in cash at the right time, he would be sitting pretty. I know, at the right time... Two comments: 1.) I'm sure you are aware that if you take-out 30% and the market corrects by 30%, you will st...
by Call_Me_Op
Mon Mar 30, 2015 8:37 am
 
Forum: Investing - Theory, News & General
Topic: Wise move to move some $ to cash before bear market?
Replies: 88
Views: 7500

Re: "TIPS. Love them or leave them?"

I don't know how "paltry" the amount is. If you are doing what Zvi Bodie is suggesting, then you'd be able to save $10K per year in I-Bonds, which would accumulate to $200K over a 20-year saving horizon. For most people, $10K is probably at the upper limit of what they are saving anyway. ...
by Call_Me_Op
Fri Mar 27, 2015 10:26 am
 
Forum: Investing - Theory, News & General
Topic: "TIPS. Love them or leave them?"
Replies: 16
Views: 1955

Re: "TIPS. Love them or leave them?"

I wish articles about TIPS would also discuss I-Bonds. I-Bonds offer inflation protection and have no term risk, since they can be cashed any time after 12 months for their face value plus accrued interest. Zvi Bodie prefers them to TIPS. There are purchase limits - $10K annually, and you can't own...
by Call_Me_Op
Fri Mar 27, 2015 10:16 am
 
Forum: Investing - Theory, News & General
Topic: "TIPS. Love them or leave them?"
Replies: 16
Views: 1955

Re: "Financial Simplicity: What is Your Time Worth?"

While I agree in principle with the premise, I have multiple accounts and the additional time to "manage" them is really very minute. I track assets on a spreadsheet. Updating the spreadsheet monthly takes about 5 minutes (and I enjoy doing it). Additional time to do taxes is perhaps 20 mi...
by Call_Me_Op
Sun Mar 22, 2015 6:35 am
 
Forum: Investing - Theory, News & General
Topic: "Financial Simplicity: What is Your Time Worth?"
Replies: 27
Views: 3552

Re: How do you invest your taxable account?

I have a question for anyone here - In the Wiki page (http://www.bogleheads.org/wiki/Principles_of_tax-efficient_fund_placement), Table 1 (hypothetical tax costs) has an entry for Municipal Bonds and the estimated tax hit for an investor in the 25% bracket is listed as 1.50%. Shouldn't that be 0%? ...
by Call_Me_Op
Sat Mar 21, 2015 7:22 am
 
Forum: Investing - Theory, News & General
Topic: How do you invest your taxable account?
Replies: 62
Views: 5853

Re: Please help select a "safe" bond fund

Can anyone suggest a good quality "simple" bond fund where I can reliably park my living expenses (and my child's next year's private-school college fund for each of the next 4 years)? Sorry - no such thing. If you want certainty in the short-term, you are looking at the risk-free rate, w...
by Call_Me_Op
Thu Mar 19, 2015 11:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Please help select a "safe" bond fund
Replies: 22
Views: 2305

Re: Anyone concerned about their bond holdings?

Increase in short-term interest rates is already factored into the yield curve. Do you know better than the bond market? Are you feeling lucky?
by Call_Me_Op
Thu Mar 19, 2015 11:04 am
 
Forum: Investing - Theory, News & General
Topic: Anyone concerned about their bond holdings?
Replies: 58
Views: 5663

Re: Larry on interest rates and bond term risk

Then there's "Pascal's Wager" that reminds us that (for those sitting on the sidelines of the bond market) the possible cost of being wrong is much greater than the benefit of being right.
by Call_Me_Op
Thu Mar 19, 2015 11:00 am
 
Forum: Investing - Theory, News & General
Topic: Larry on interest rates and bond term risk
Replies: 12
Views: 1675

Re: Buy home or keep bond fund ??

Buying a home (or not) should be a lifestyle decision - not a financial one (as long as one can be afforded).
by Call_Me_Op
Sun Mar 15, 2015 10:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Buy home or keep bond fund ??
Replies: 7
Views: 601

Re: American Funds beats the market 97% of the time?

Raybo wrote:The S&P 500 is the 500 largest public companies in the US.


Correction - 500 of the largest companies.
by Call_Me_Op
Sun Mar 15, 2015 7:32 am
 
Forum: Investing - Theory, News & General
Topic: American Funds beats the market 97% of the time?
Replies: 50
Views: 5234

Re: Worried about neighbor's tree damaging my property

I had a similar problem several years ago.I asked the neighbor if I could have her tree cut down (st my expense), she agreed, and I did it.
by Call_Me_Op
Sun Mar 15, 2015 7:27 am
 
Forum: Personal Consumer Issues
Topic: Worried about neighbor's tree damaging my property
Replies: 16
Views: 1897

Re: The Permanent Portfolio as an accumulation portfolio

At the end of 2014, an accumulation investor in the Permanent Portfolio, rebalancing annually, would have achieved a compound annual nominal return of 16.7% (IRR=7.8%) with a maximum drawdown of -5.1% over this period. This compares to a compound return of 17.3% (IRR=8.6%) with a maximum drawdown o...
by Call_Me_Op
Sat Mar 14, 2015 7:11 am
 
Forum: Investing - Theory, News & General
Topic: The Permanent Portfolio as an accumulation portfolio
Replies: 16
Views: 2050

Re: How much international is too much?

I think anything up to world cap is OK. I have 50% in international and plan to stay the course.
by Call_Me_Op
Fri Mar 13, 2015 7:18 am
 
Forum: Investing - Theory, News & General
Topic: How much international is too much?
Replies: 113
Views: 9130

Re: Jack Bogle in Investment News

Great article that sums it all up.
by Call_Me_Op
Fri Mar 13, 2015 7:16 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Jack Bogle in Investment News
Replies: 3
Views: 684

Re: Adding Central Air Conditioning to very old home.

I had no duct work and had a standard Carrier 13 SEER system installed in 2005. I have been thrilled with it. The ducts are flexible. I only had to give-up a small amount of closet space - a good trade-off. The alternative was a "high velocity system", which I heard are noisy. I like my ni...
by Call_Me_Op
Thu Mar 12, 2015 6:46 am
 
Forum: Personal Consumer Issues
Topic: Adding Central Air Conditioning to very old home.
Replies: 20
Views: 1495

Re: what's missing?

Investing is not an exact science, so any suggestions to your proposed line-up will be based on individual taste as much as anything else.
by Call_Me_Op
Thu Mar 12, 2015 6:36 am
 
Forum: Investing - Help with Personal Investments
Topic: what's missing?
Replies: 7
Views: 694

Re: Protect rollover IRA from potential lawsuit

I would not use an umbrella policy in place of ERISA protection.
by Call_Me_Op
Wed Mar 11, 2015 7:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Protect rollover IRA from potential lawsuit
Replies: 41
Views: 4106

Re: Where to retire in New England?

Depends upon your preferences. Do you want to be near a big city? Do you ski? etc.
by Call_Me_Op
Wed Mar 11, 2015 7:03 am
 
Forum: Personal Consumer Issues
Topic: Where to retire in New England?
Replies: 101
Views: 7524

Re: How many really understand how investing works?

When you buy a stock, you are part owner of a company. When you buy a bond, you make a loan to some entity. These are the basics.
by Call_Me_Op
Wed Mar 11, 2015 6:35 am
 
Forum: Investing - Help with Personal Investments
Topic: How many really understand how investing works?
Replies: 37
Views: 3158

IRS Direct Pay vs Mailed Check

Has anyone used IRS Direct Pay to pay owed taxes? Any thoughts on the safety of using this method versus mailing a check?
by Call_Me_Op
Mon Mar 09, 2015 4:42 pm
 
Forum: Personal Consumer Issues
Topic: IRS Direct Pay vs Mailed Check
Replies: 8
Views: 715

Re: Is this identity theft or just random fraud?

Doesn't matter how it happened. It should be reported and straightened-out.
by Call_Me_Op
Mon Mar 09, 2015 8:24 am
 
Forum: Personal Consumer Issues
Topic: Is this identity theft or just random fraud?
Replies: 16
Views: 1812

Re: International value: worth the fees?

I have VTRIX, but my belief in it justifying its cost is waning. Performance over the last 5 and 10 years is about 0.3% better per year over total international (to just make up for 30 bp higher ER). I now justify continuing to hold it by using it as a convenient but costly tax loss harvesting part...
by Call_Me_Op
Mon Mar 09, 2015 6:28 am
 
Forum: Investing - Theory, News & General
Topic: International value: worth the fees?
Replies: 24
Views: 1947

Re: Advice for a newbie

younggun1307 wrote:
Simply put I have very little capital to work with that I had built up from lucking out on some good picks (like grabbing apple at 92 before split).


At least you (apparently) realize that it was luck.
by Call_Me_Op
Mon Mar 09, 2015 6:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice for a newbie- Retirement and House
Replies: 6
Views: 690

Re: Anyone hold precious metal

I have struggled with this question for a long time (of whether I should) and still own none. The thing that has kept me from buying is the poor long-term return (especially risk-adjusted) and associated opportunity cost - in addition to high collectibles tax rate.
by Call_Me_Op
Sun Mar 08, 2015 8:23 am
 
Forum: Investing - Theory, News & General
Topic: Anyone hold precious metal
Replies: 44
Views: 3350

Re: Bonds, REITs, Utilities, Commodities and Stocks down - W

Looks like just a perception of a rate increase did this to market yesterday. Bonds were down (AGG 0.7%), Utilities were down (XLU down 3%), REITS down (VNQ down 3.4%), Commodities -Gold/Silver down 2.7% (not that I am interested) and as we all know Stocks were down too. So where do we invest now? ...
by Call_Me_Op
Sun Mar 08, 2015 7:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Bonds, REITs, Utilities, Commodities and Stocks down - Wow
Replies: 66
Views: 4300

Re: My Return for 2014 for Wealthfront is less than 2%

One year is an inadequate time period to use for judging a portfolio.
by Call_Me_Op
Fri Mar 06, 2015 7:47 am
 
Forum: Investing - Help with Personal Investments
Topic: My Return for 2014 for Wealthfront is less than 2%
Replies: 47
Views: 6867

Re: More intl exposure in Life Strategy Growth - drop out of

Why should she drop out of it? There are differing opinions on the right mix of domestic versus foreign stock - but it's not a strong function.
by Call_Me_Op
Mon Mar 02, 2015 6:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: More intl exposure in Life Strategy Growth - drop out of it?
Replies: 17
Views: 1689

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: 84
Views: 7165

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: 105
Views: 5583

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: 1306

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: 6975

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: 1471

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: 2413

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: 2413

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: 7819

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: 9162

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: 9866

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: 5530

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: 1888

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: 1563

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: 1563

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: 2222

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: 2177

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: 2222

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: 1625

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: 2222
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