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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: 56
Views: 2311

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: 44
Views: 2636

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: 1142

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: 1875

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: 1287

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: 2890

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: 652

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: 652

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: 1412

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: 2567

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: 252

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: 1257

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: 252

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: 1257

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: 3235

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: 1257

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: 3291

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: 4309

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: 1574

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: 840

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: 4902

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: 4917

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: 1780

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: 1906

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: 507

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: 1335

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: 2350

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: 4215

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: 2442

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: 3743

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: 4400

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: 4400

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: 4400

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: 4400

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: 3010

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: 12668

Re: U.S. Dollar Hedged International Index Funds

Should investors try to eliminate currency risk from their international funds? Is there a reason Vanguard doesn't offer a hedged International index fund? What does everyone think of these new ETFs? Many will disagree, but my answer is no. What is seen by many as "currency risk" I view a...
by Call_Me_Op
Sun Mar 23, 2014 2:58 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. Dollar Hedged International Index Funds
Replies: 8
Views: 385

Re: TIPS Intermediate Fund vs. International Bond Fund

abuss368 wrote: The Short Term TIPS fund, I simply just do not get the need for. I confess I was a bit surprised by the loss on the regular TIPS fund compared to Total Bond over the past year. Why was that a surprise? The TIPS fund has a higher duration, and real rates are tightly coupled to nomina...
by Call_Me_Op
Sat Mar 22, 2014 9:47 am
 
Forum: Investing - Theory, News & General
Topic: TIPS Intermediate Fund vs. International Bond Fund
Replies: 35
Views: 2751

Re: Vanguard annuities? Pro's vs cons?

For tax reasons it may seem prudent to shift a fair amount of the cash I hold into a tax deferred product. You need to compare any savings against the annuity cost. There is a big potential negative of holding stocks in a VA, as you may get taxed more heavily than in taxable (income tax rate versus...
by Call_Me_Op
Sat Mar 22, 2014 8:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard annuities? Pro's vs cons?
Replies: 11
Views: 1490

Re: Are people really selling at the bottom of the market ?

deikel wrote: Since price is established in the market by buying and selling, than by definition at all times as many 'people' are buying and selling....


Not a correct statement. The correct statement would be every share sold has a buyer. The number of buyers and sellers can be quite different.
by Call_Me_Op
Fri Mar 21, 2014 11:53 am
 
Forum: Investing - Theory, News & General
Topic: Are people really selling at the bottom of the market ?
Replies: 16
Views: 2841

Re: Children: Are they worth every penny?

freddie wrote:The studies I have seen didn't keep the age of the woman having the baby constant.:)


If that's true, it's a huge methodological flaw. I cannot imagine that this would pass even the most basic scrutiny.
by Call_Me_Op
Thu Mar 20, 2014 1:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Children: Are they worth every penny?
Replies: 68
Views: 4587

Re: Children: Are they worth every penny?

I was watching the NBC News a couple of weeks ago and their medical expert (Nancy Sneiderman, MD) mentioned that because of genetic issues men over the age of 45 should seriously consider not fathering anymore children. I would research that issue if I were you. Just sayin'. This may be the study t...
by Call_Me_Op
Thu Mar 20, 2014 1:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Children: Are they worth every penny?
Replies: 68
Views: 4587

Re: Leaving Fidelity

Is there some underlying reason why a Vanguard rep would not act the same as one from Fidelity? Serious question. Does anyone know if they are paid differently? Vanguard reps are paid a salary - no commissions. How are Fidelity reps paid? I have nothing against Fidelity or those who use it. I just ...
by Call_Me_Op
Thu Mar 20, 2014 12:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Leaving Fidelity
Replies: 35
Views: 3016

Re: Children: Are they worth every penny?

As the uncle of two severely autistic children, I can tell you that it is really a life sentence for both the children and the parents. My nephew is still in diapers at 16 years old and has never spoken a coherent word - and there is no reason to think this will ever change. (Those so severely affli...
by Call_Me_Op
Thu Mar 20, 2014 11:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Children: Are they worth every penny?
Replies: 68
Views: 4587

Re: Leaving Fidelity

Recommending a VA for an IRA sounds like simple incompetence to me. I really have a hard time believing this could happen.
by Call_Me_Op
Thu Mar 20, 2014 11:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Leaving Fidelity
Replies: 35
Views: 3016

Re: Will upcoming rise in interest rates affect your AA?

jastevenson: the confusion is between the "interest rates stuck at zero", by which you must mean Fed overnight rates, and "bond yields", which are definitely not zero and they move to anticipate the former by roughly the term of the bond or the duration of the fund. Thank you (a...
by Call_Me_Op
Thu Mar 20, 2014 10:13 am
 
Forum: Investing - Theory, News & General
Topic: Will upcoming rise in interest rates affect your AA?
Replies: 30
Views: 2064

Re: Seriously! [Why own bonds now]

Why should someone own bond funds now. Because stocks can lose 50% or more of their value at any time. The question is not really stocks versus bond funds, it's stocks versus fixed-income, which includes such things as CD's, and in the limiting case even includes cash. As far as I am concerned, it ...
by Call_Me_Op
Thu Mar 20, 2014 9:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Seriously! [Why own bonds now]
Replies: 35
Views: 5060

Re: advice requested from engineers

I am an engineer with 30+ years of experience and also a hiring manager. There can be some advantage of having attended a top 10 school for the first job out of school [as long as GPA is high] but that quickly disappears with subsequent positions. Ultimately, the student's success will depend upon o...
by Call_Me_Op
Wed Mar 19, 2014 2:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: advice requested from engineers
Replies: 85
Views: 4401

Re: Leaving Fidelity

Does the advisor have a fiduciary duty? This recommendation would be a flagrant violation.
by Call_Me_Op
Wed Mar 19, 2014 12:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Leaving Fidelity
Replies: 35
Views: 3016
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