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Re: Can my computer hear me?

I have noticed that the Youtube search engine is very smart - to the point that it's frightening. Often, if I enter the first word of a phrase in a song, the song will come up in the search box. Google seems to have similar capabilities. Almost seem to know what you're thinking.
by Call_Me_Op
Wed Apr 23, 2014 9:25 am
 
Forum: Personal Consumer Issues
Topic: Can my computer hear me?
Replies: 21
Views: 1199

Re: Any Interesting Income Alternatives to Bonds

Diversify? My gut reaction would be to own a bit of everything; junk bonds, REITs, LT Treasuries, MLPs, munis, utility stocks, and anything else mentioned above. That said, I have nothing to back it up :wink: Does anyone know of any research or data on this type of strategy? Well, you can start by ...
by Call_Me_Op
Wed Apr 23, 2014 6:50 am
 
Forum: Investing - Theory, News & General
Topic: Any Interesting Income Alternatives to Bonds
Replies: 14
Views: 1455

Re: is whole life insurance a good investment?

The only possible reason to consider Whole Life is for asset protection - but as Emergdoc notes, the return is so bad that the it seems too high a price to pay for the protection.
by Call_Me_Op
Tue Apr 22, 2014 8:37 am
 
Forum: Investing - Help with Personal Investments
Topic: is whole life insurance a good investment?
Replies: 17
Views: 1335

Re: Any Interesting Income Alternatives to Bonds

Just remember that risk and (expected) return are inextricably linked. Right now, the "risk free" rate of return is about 0% nominal.
by Call_Me_Op
Tue Apr 22, 2014 7:46 am
 
Forum: Investing - Theory, News & General
Topic: Any Interesting Income Alternatives to Bonds
Replies: 14
Views: 1455

Re: Low-flow shower head: $4,500 saved in last 5 yrs

The example is somewhat contrived, given that this family is investing right after a great recession - prior to a great run-up in stocks.
by Call_Me_Op
Mon Apr 21, 2014 11:28 am
 
Forum: Personal Consumer Issues
Topic: Low-flow shower head: $4,500 saved in last 5 yrs
Replies: 35
Views: 4206

Re: Town home, good or bad idea?

I would not purchase a home because I think it is a good financial move. In my opinion, the decision should be based wholly on lifestyle considerations. Note also that there is the devil you know (in your case, a longer-than-desired commute), and the ones that you don't. Do you really like this cous...
by Call_Me_Op
Mon Apr 21, 2014 11:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Town home, good or bad idea?
Replies: 21
Views: 1516

Re: Trying to learn about Brokered CD's

SteveM wrote:If you buy at a discount, you're fully FDIC insured.


...or if you buy at par.
by Call_Me_Op
Sun Apr 20, 2014 4:04 pm
 
Forum: Investing - Theory, News & General
Topic: Trying to learn about Brokered CD's
Replies: 22
Views: 1185

Re: Does this strategy invite unnecessary risk?

Merriman believes in "slice and dice" with equities. Nothing out of the ordinary. He just wants to take advantage of the risk premia people talk about all the time - small, value, and EM. He also admits they may not hold going forward, so he recommends some of everything - large and small,...
by Call_Me_Op
Sun Apr 20, 2014 8:03 am
 
Forum: Investing - Theory, News & General
Topic: Does this strategy invite unnecessary risk?
Replies: 42
Views: 2563

Re: Gold vs. Bonds as an Asset Allocation Hedge

Craig,

Thanks for chiming-in. For the person who wants to hold (say) 10%-15% in gold as a diversifier, what do you feel are the acceptable form(s) for the gold (physical, ETF, CEF, etc)? Perhaps all of the above?
by Call_Me_Op
Sun Apr 20, 2014 7:04 am
 
Forum: Investing - Theory, News & General
Topic: Gold vs. Bonds as an Asset Allocation Hedge
Replies: 24
Views: 1969

Re: Looking for Muni income--PML???

Thanks for the very rapid replies. Much appreciated! Are there any monthly paying muni funds that look more promising? Not sure what you mean by a fund looking "promising." There is no free lunch with investing. At this point in time, the "risk-free rate" is about 0%. Anything y...
by Call_Me_Op
Sat Apr 19, 2014 7:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Looking for Muni income--PML???
Replies: 6
Views: 594

Re: Gold vs. Bonds as an Asset Allocation Hedge

I can understand people's interest in gold. Holding "only" stocks and bonds doesn't seem like the ultimate in diversification. Both stocks and bonds can be slammed by a sharp increase in interest rates. I think it is worthwhile to consider cash as a separate asset class - even though it is...
by Call_Me_Op
Sat Apr 19, 2014 11:01 am
 
Forum: Investing - Theory, News & General
Topic: Gold vs. Bonds as an Asset Allocation Hedge
Replies: 24
Views: 1969

Re: Blog:William Bernstein’s Coward’s Portfolio

Desert wrote:No true coward would put 60% in equities. And I should know, because I'm a coward.


Nicely put, spoken by another coward.
by Call_Me_Op
Sat Apr 19, 2014 8:31 am
 
Forum: Investing - Theory, News & General
Topic: Blog:William Bernstein’s Coward’s Portfolio
Replies: 30
Views: 4563

Re: Fixed Income Categories

convert949 wrote:I am curious as to what other Bogleheads consider CD's and I Bonds... are they bonds or cash?


I just lump them into the SAFE category. Otherwise, you drive yourself crazy with no tangible benefit.
by Call_Me_Op
Fri Apr 18, 2014 4:56 pm
 
Forum: Investing - Theory, News & General
Topic: Fixed Income Categories
Replies: 19
Views: 1164

Re: Taxes owed in taxable account

Taxes will be due on dividends, distributed capital gains, and capital gains resulting from sales. Assuming you sell nothing, you won't have to worry about the last one I mentioned. If you stick with index funds, you tend to minimize distributed gains - but there still may be some. A ball-park estim...
by Call_Me_Op
Thu Apr 17, 2014 7:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Taxes owed in taxable account
Replies: 18
Views: 1014

Re: Japan Does not Show That Stocks are Dangerous

Regardless of the specific history of Japan or any other country, the fact remains that stocks are valued based upon what people are willing to pay for them. So my theoretical maximum downside is and will always be 100%.
by Call_Me_Op
Wed Apr 16, 2014 6:51 am
 
Forum: Investing - Theory, News & General
Topic: Japan Does not Show That Stocks are Dangerous
Replies: 79
Views: 4096

Re: New homeowner: lawn care advice

Given the dirt, sweat, and ticks involved - I have opted to pay for landscaping services.
by Call_Me_Op
Tue Apr 15, 2014 9:57 am
 
Forum: Personal Consumer Issues
Topic: New homeowner: lawn care advice
Replies: 54
Views: 3793

Re: Why is mid-cap discussed so much less than large and sma

kidfresh wrote:Why is there so much discussion of large- and small-cap investing, diversification, tilting, etc. - while mid-cap is hardly discussed at all?


Because the average of large and small is somewhere in the middle.
by Call_Me_Op
Tue Apr 15, 2014 9:54 am
 
Forum: Investing - Theory, News & General
Topic: Why is mid-cap discussed so much less than large and small?
Replies: 19
Views: 1244

Re: Portfolio for Young Investors: High Bonds and Risky Equi

Back-testing can be hazardous to your wealth.
by Call_Me_Op
Mon Apr 14, 2014 4:06 pm
 
Forum: Investing - Theory, News & General
Topic: Portfolio for Young Investors: High Bonds and Risky Equities
Replies: 30
Views: 2016

Re: How can "value beats growth" be a rule?

However, if that's so obvious, such a truism, then why doesn't everyone just plow their money into value stocks, drive up prices and down returns, and then discover that growth stocks are the newly crowned underdogs of the market? Stocks historically have much higher returns compared to bonds. Why ...
by Call_Me_Op
Mon Apr 14, 2014 8:31 am
 
Forum: Investing - Theory, News & General
Topic: How can "value beats growth" be a rule?
Replies: 21
Views: 1354

Re: Playing Defense

williemoe wrote:With the probabilities of the market correcting, how do you position your portfolio to play defense?


What are the "probabilities of the market correcting?" Are they listed somewhere?

Your AA should be designed to accommodate a market "correction" at any point in time.
by Call_Me_Op
Fri Apr 11, 2014 1:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Playing Defense [against possible market correction]
Replies: 36
Views: 2949

Re: 20+ Year Treasury Bond

If I wanted a 20 year treasury bond, I would purchase......a 20 year treasury bond. Why use an ETF when you do not need the diversification or any other feature offered by the ETF, and can save on expenses? The question of whether you should buy a 20 year treasury at the current rates is a complete...
by Call_Me_Op
Fri Apr 11, 2014 1:38 pm
 
Forum: Investing - Theory, News & General
Topic: 20+ Year Treasury Bond
Replies: 6
Views: 663

Re: 20+ Year Treasury Bond

If I wanted a 20 year treasury bond, I would purchase......a 20 year treasury bond. Why use an ETF when you do not need the diversification or any other feature offered by the ETF, and can save on expenses? The question of whether you should buy a 20 year treasury at the current rates is a completel...
by Call_Me_Op
Fri Apr 11, 2014 6:32 am
 
Forum: Investing - Theory, News & General
Topic: 20+ Year Treasury Bond
Replies: 6
Views: 663

Re: emerging markets should they be in your portfolio

"To have consistency, they defined a country as an emerging market if the country's GDP was less than $25,000 in today's dollars."

.............................................

Larry,

Either that's a typo, or I qualify as a developed country.
by Call_Me_Op
Thu Apr 10, 2014 8:31 am
 
Forum: Investing - Theory, News & General
Topic: emerging markets should they be in your portfolio
Replies: 14
Views: 1502

Re: Asset location strategies for taxes are OK; but not grea

An asset-location-related aspect rarely to never discussed is asset protection. You may wish to put some high-growth investments in your tax-favored (ERISA) account(s) in order to obtain greater expansion of your asset-protected space. For example, let's say that my 401K and taxable accounts are cur...
by Call_Me_Op
Wed Apr 09, 2014 10:06 am
 
Forum: Investing - Theory, News & General
Topic: Asset location strategies for taxes are OK; but not great
Replies: 27
Views: 2641

Re: FDIC insurance (for "cash" in brokerage account)

Thank you. Never thought, FDIC insurance applies pretty much to commercial banks only and not to cash held in brokerage houses. I suppose than its always risky to hold any amount of "cash" in a brokerage account. Best to put cash immediately into cd's or treasury's . Even if the brokerage...
by Call_Me_Op
Tue Apr 08, 2014 1:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: FDIC insurance (for "cash" in brokerage account)
Replies: 6
Views: 264

Re: Interest rates will rise, so flee REITS and Bonds?

didn't we go thru this a year ago ? Why would a bump-up in rates of 1% change the conversation appreciably? what i meant is about one year ago the fed hinted rate rise and bonds went kerplooey and every post wasabout time to dump bonds. here we go gain. And I suspect these discussions will continue...
by Call_Me_Op
Tue Apr 08, 2014 12:46 pm
 
Forum: Investing - Theory, News & General
Topic: Interest rates will rise, so flee REITS and Bonds?
Replies: 12
Views: 1276

Re: FDIC insurance (for "cash" in brokerage account)

Is the cash in one's brokerage account is FDIC insured? I think I'm correct in thinking money invested in stocks, bonds, mutual funds, life insurance policies, annuities or municipal securities are not covered by FDIC insurance. I seem to be having a tough time getting a "straight" answer...
by Call_Me_Op
Tue Apr 08, 2014 12:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: FDIC insurance (for "cash" in brokerage account)
Replies: 6
Views: 264

Re: Interest rates will rise, so flee REITS and Bonds?

gerrym51 wrote:didn't we go thru this a year ago ?


Why would a bump-up in rates of 1% change the conversation appreciably?
by Call_Me_Op
Tue Apr 08, 2014 12:41 pm
 
Forum: Investing - Theory, News & General
Topic: Interest rates will rise, so flee REITS and Bonds?
Replies: 12
Views: 1276

Re: What next after you have enough sort of.

What do you want out of this 12 year portfolio? I assume you want to stay ahead of inflation, but be pretty safe. So invest it 30/70.
by Call_Me_Op
Tue Apr 08, 2014 12:38 pm
 
Forum: Investing - Theory, News & General
Topic: What next after you have enough sort of.
Replies: 31
Views: 3379

Re: Interest rates will rise, so flee REITS and Bonds?

Rising rates are good for bond holders, as coupons get reinvested at ever-increasing rates.
by Call_Me_Op
Tue Apr 08, 2014 12:33 pm
 
Forum: Investing - Theory, News & General
Topic: Interest rates will rise, so flee REITS and Bonds?
Replies: 12
Views: 1276

Re: How do you walk away from a good job?

Why do you have to walk away? As far as I am concerned, if I don't want to leave my job, it's not time to retire yet.
by Call_Me_Op
Tue Apr 08, 2014 9:50 am
 
Forum: Personal Finance (Not Investing)
Topic: How do you walk away from a good job?
Replies: 29
Views: 3359

Re: The Unthinkable Disaster: What If Your Account Disappear

John3754 wrote:The IRS has records of all the investments I've ever made. Problem solved?


I doubt it. Who will reimburse your account, the IRS?
by Call_Me_Op
Mon Apr 07, 2014 12:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: The Unthinkable Disaster: What If Your Account Disappeared?
Replies: 43
Views: 4662

Re: Umbrella Policy, do you have hands on experience

Umbrellas are basically an extension of your homeowners and auto policies liability protection. They usually cover the same things and do not cover other things. Not quite correct. Umbrella policies typically cover thing like libel, slander, and false arrest, which are normally not covered by homeo...
by Call_Me_Op
Sun Apr 06, 2014 8:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy, do you have hands on experience
Replies: 15
Views: 1627

Re: Fidelity - 2-factor authentication...

More effective still, if you do not plan on frequently taking money out for the next several years, you can place a restriction on your account. No money can be removed online. (You can only add money that way.) The only way to withdraw funds is to physically appear at an investor center with a sign...
by Call_Me_Op
Sun Apr 06, 2014 7:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity - 2-factor authentication...
Replies: 8
Views: 884

Re: John Bogle, Index Icon, Accused of Timing Market

I like Jerry Lee and used to enjoy his posts. His signature read "The most disciplined investor on the world." Perhaps he really is.
by Call_Me_Op
Sat Apr 05, 2014 8:52 am
 
Forum: Investing - Theory, News & General
Topic: John Bogle, Index Icon, Accused of Timing Market
Replies: 44
Views: 4970

Re: And suddenly, I'm done...

Congratulations! Personally, my plan keeps evolving - but it would be nice to say "I'm done" someday.
by Call_Me_Op
Fri Apr 04, 2014 9:06 am
 
Forum: Personal Finance (Not Investing)
Topic: And suddenly, I'm done...
Replies: 24
Views: 4968

Re: Fibonacci numbers: has Cramer lost his mind?

dr.j wrote: Am I missing something here or has the Cramer gone mad?


Isn't his show called "Mad Money?"
by Call_Me_Op
Thu Apr 03, 2014 9:56 am
 
Forum: Investing - Theory, News & General
Topic: Fibonacci numbers: has Cramer lost his mind?
Replies: 20
Views: 1821

Re: Lending money to family

Hello, We are planning to lend about 30K to my sister-in-law's family to help with their home purchase. We are giving it as a gift and do not expect any interest on it. Is it a gift or a loan? My understanding is that legally, loans must be made for at least market interest. You call it a gift but ...
by Call_Me_Op
Tue Apr 01, 2014 10:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Lending money to family
Replies: 25
Views: 1912

Re: Anybody rethinking the AA because of the UN Climate Repo

jupiter_man wrote:Anybody rethinking their Asset Allocation mix (Stocks , Bonds etc) because of these recent reports?


I certainly hope not.
by Call_Me_Op
Tue Apr 01, 2014 7:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Anybody rethinking the AA because of the UN Climate Report
Replies: 3
Views: 510

Re: Written IPS strategy for next crash - Advice?

The proposed approach makes a major assumption that could turn out disastrously. Namely, it assumes that the market will recover relatively promptly after the next correction. This, IMHO, is exactly the opposite of the assumption that should be made as part of a prudent plan - especially if one is o...
by Call_Me_Op
Mon Mar 31, 2014 8:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Written IPS strategy for next crash - Advice?
Replies: 15
Views: 1346

Re: Reading room chair - what to pay and where to purchase?

10 years ago, I purchased a very nice recliner from Berny and Phyls for about $500. It doesn't look like a recliner, but looks like a victorian-style chair. Very nice, comfortable, and has lasted 10 years. You will need to pay at least $500 for something decent that is new. I wouldn't buy anything b...
by Call_Me_Op
Sun Mar 30, 2014 11:15 am
 
Forum: Personal Consumer Issues
Topic: Reading room chair - what to pay and where to purchase?
Replies: 29
Views: 2424

Re: Why does a Boglehead move to an adviser at 1.25% AUM?

As I have opined before, it amazes me that there are some people who will complain about having to mow their lawn all summer long (a task that could be hired-out for less than $1k) but gladly fork over $10k/year (or more) to pay someone to do something that really requires little effort and in fact ...
by Call_Me_Op
Fri Mar 28, 2014 12:26 pm
 
Forum: Investing - Theory, News & General
Topic: Why does a Boglehead move to an adviser at 1.25% AUM?
Replies: 63
Views: 4237

Re: Anyone overbalance like the Finance Buff?

Fine idea - unless the stock market keeps declining.
by Call_Me_Op
Thu Mar 27, 2014 7:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anyone overbalance like the Finance Buff?
Replies: 33
Views: 2445

Re: We Don't want to die with Money

I'm confused. OP says she wants to spend all of their money but yet wants to leave an estate. I don't see a problem here. Spend what you want to spend and the rest will be left to heirs.
by Call_Me_Op
Wed Mar 26, 2014 5:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: We Don't want to die with Money
Replies: 45
Views: 3752

Re: Does This Person Need Umbrella Ins Coverage?

Since we cannot completely prevent accidents, perhaps the best one can do is to purchase a large policy and drive carefully, understanding that one's assets will never be 100% safe from judgements.
by Call_Me_Op
Tue Mar 25, 2014 9:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Does This Person Need Umbrella Ins Coverage?
Replies: 64
Views: 4414

Re: Does This Person Need Umbrella Ins Coverage?

Hi Ken, This is a good example to guide the discussion - although clearly very tragic. The needs of this poor woman and her damages are clearly astronomical. But lets say that the parents had an exposed net worth of $1 million and a $2 million umbrella. While the damages may be many million, they do...
by Call_Me_Op
Tue Mar 25, 2014 6:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Does This Person Need Umbrella Ins Coverage?
Replies: 64
Views: 4414

Re: Does This Person Need Umbrella Ins Coverage?

Hi Kenner, As an experienced litigator, I would be interested in your opinion on the following question. Assume that a person has an exposed net worth of X. Does holding an umbrella policy having a limit of 2X provide substantially complete protection of said person's assets, assuming simple neglig...
by Call_Me_Op
Mon Mar 24, 2014 6:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does This Person Need Umbrella Ins Coverage?
Replies: 64
Views: 4414

Re: Does This Person Need Umbrella Ins Coverage?

Hi Kenner, As an experienced litigator, I would be interested in your opinion on the following question. Assume that a person has an exposed net worth of X. Does holding an umbrella policy having a limit of 2X provide substantially complete protection of said person's assets, assuming simple neglige...
by Call_Me_Op
Mon Mar 24, 2014 5:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does This Person Need Umbrella Ins Coverage?
Replies: 64
Views: 4414

Re: Hypothetically living off investment dividends?

No. What is the mechanism that will guarantee an increase in principal? Inflation will eat-away at the real value of both your principal and interest payments.
by Call_Me_Op
Mon Mar 24, 2014 2:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hypothetically living off investment dividends?
Replies: 34
Views: 3022

Re: Really confused by Bernstein

I think it comes down to one's level of conservatism. Dr. Bernstein is telling you how to craft your investments if you know how much you will need and wish to take zero risk. The balanced portfolio (stocks and bonds, periodically rebalanced), while giving you the opportunity to have more than you a...
by Call_Me_Op
Mon Mar 24, 2014 6:31 am
 
Forum: Investing - Theory, News & General
Topic: Really confused by Bernstein
Replies: 168
Views: 12897
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