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Can too high a % of market indexing become a liability?

I don't think it's ever going to reach anywhere near 100% of people investing in the stock market totally indexing their money because good ol' greed and fear moves the market while people buying and holding will tend to reap benefits for not panicking and holding on. But since there is a definite m...
by CrossOverGuy
Sun Apr 06, 2014 3:03 pm
 
Forum: Investing - Theory, News & General
Topic: Can too high a % of market indexing become a liability?
Replies: 9
Views: 1114

Re: Preventing Office Theft of Food and Other Stuff

I once worked for some place where I had brought in some food from a take-out place, ate some and found later in the evening that the remainder was missing from the refrigerator. I walked into a room where a number of people were and announced that it's a shame that someone might have finished my fo...
by CrossOverGuy
Sat Apr 05, 2014 12:14 am
 
Forum: Personal Consumer Issues
Topic: Preventing Office Theft of Food and Other Stuff
Replies: 77
Views: 5193

Re: Buying for someone who "has everything"

A number of books say that experiences (and memories of them) are many times more treasured than possessions. So, depending upon where you are located, I would suggest getting tickets to a great live show or musical performance and/or treat yourself to a great meal in a beautiful restaurant where yo...
by CrossOverGuy
Fri Apr 04, 2014 3:35 pm
 
Forum: Personal Consumer Issues
Topic: Buying for someone who "has everything"
Replies: 43
Views: 2306

Re: Friend possibly victim of real estate dual agency

How much of a difference were there between offers?


I think it was about a $50,000 difference between the offers from what my friend says.
by CrossOverGuy
Thu Mar 20, 2014 10:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Friend possibly victim of real estate dual agency
Replies: 27
Views: 2558

Friend possibly victim of real estate dual agency

My friend told me that she had recently agreed to sell her co-op in Manhattan for what sounded like a good sum, not long after an open house. However, she mentioned that her real estate broker had pressured her and her husband to accept this one person's offer. However, the agent also mentioned ther...
by CrossOverGuy
Thu Mar 20, 2014 1:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Friend possibly victim of real estate dual agency
Replies: 27
Views: 2558

How long to keep papers - conversion or contribut. Roth IRA?

Just wondering for record-keeping purposes for IRS and for when I start actually making withdrawals from my various Roth IRA accounts, how long do I have to keep papers saying I partially converted such amount (or made contributions) to a Roth? I mean, my accounts at the financial institutions like ...
by CrossOverGuy
Wed Feb 26, 2014 3:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long to keep papers - conversion or contribut. Roth IRA?
Replies: 1
Views: 161

Re: Kiplinger's,Money or any other publication.....

I've subscribed to "Money" for a number of years -- one thing I'm happy about is I believe that it led me to the Boglehead's site - first over at Morningstar and then here. You can sometimes get it by redeeming frequent flyer miles; although when my last subscription was expiring, they off...
by CrossOverGuy
Tue Feb 25, 2014 1:12 pm
 
Forum: Personal Consumer Issues
Topic: Kiplinger's,Money or any other publication.....
Replies: 10
Views: 979

Re: The Funniest Movie Ever

I have a whole list of them that I made which I sent to cheer up a relative who was recovering from cancer surgery to watch (he survived). Here are some that haven't been mentioned: Ruthless People - Danny DeVito, Bette Midler The In-Laws (original) - Peter Falk, Alan Arkin Where’s Poppa w/George Se...
by CrossOverGuy
Fri Jan 03, 2014 12:32 am
 
Forum: Personal Consumer Issues
Topic: The Funniest Movie Ever
Replies: 201
Views: 10637

Re: What to Read After the Bogleheads Guide to Investing?

Jonathan Clements' "The Little Book of Main Street Money: 21 Simple Truths that Help Real People Make Real Money" is a small book with lots of great ideas about investing, saving money and happiness. Mr. Clements was the personal finance columnist at the "Wall Street Journal" for...
by CrossOverGuy
Wed Oct 23, 2013 2:54 pm
 
Forum: Investing - Theory, News & General
Topic: What to Read After the Bogleheads Guide to Investing?
Replies: 25
Views: 2480

Re: Want to cut the cable cord

I'm in NYC. I'm thinking of cutting the cord from Time Warner Cable from their cable tv, but they have just announced that they are raising the rates for standard (highest level) stand-alone internet service to about $55/ month, almost doubling it from what I'm getting as part of my current cable/in...
by CrossOverGuy
Sun Aug 11, 2013 12:31 pm
 
Forum: Personal Consumer Issues
Topic: Want to cut the cable cord
Replies: 67
Views: 5712

Re: vanguard total bond versus intermediate bond

The negative convexity of Mortgage Backed Securities in TBM are part of it as well. More derivative than bond, they are a method mortgage bankers use to externalize losses onto investors. When interest rates go up, MBS prices drop like long-term bonds. Down, their prices rise slowly or not at all. ...
by CrossOverGuy
Sun Jul 21, 2013 3:32 pm
 
Forum: Investing - Theory, News & General
Topic: vanguard total bond versus intermediate bond
Replies: 56
Views: 8841

Re: Anybody here own an Endless Pool?

My gym has a fairly small pool; there is an elastic attachment which allows swimmers who want to swim laps continuously without having to keep turning around. You might want to experiment with that contraption at another pool to see if you would be ok or bored with swimming basically in place before...
by CrossOverGuy
Fri Jul 19, 2013 2:27 pm
 
Forum: Personal Consumer Issues
Topic: Anybody here own an Endless Pool?
Replies: 9
Views: 1678

Re: [Can you recommend]A spectacular movie, and a terrible m

One of the greatest of all musicals is an early film called "Love Me Tonight" starring Maurice Chevalier, Jeanette McDonald and Myrna Loy, with the first original score for the movies written by Richard Rodgers and Lorenz Hart, with classic songs like "Isn't It Romantic", "L...
by CrossOverGuy
Sat Jul 13, 2013 12:19 pm
 
Forum: Personal Consumer Issues
Topic: [Can you recommend]A spectacular movie, and a terrible movie
Replies: 161
Views: 9184

Re: Why does Vanguard show account #s on balance & holding p

I don't trade very much, but I'll take your word for it if something needs to be done in that regard; I'm actually much more of a buy-and-holder, so my whines are more limited in scope. :) Relax, you sound like you could use a glass of wine yourself. It's not a big deal for Vanguard to hide the acco...
by CrossOverGuy
Thu Jul 11, 2013 11:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why does Vanguard show account #s on balance & holding page?
Replies: 8
Views: 702

Why does Vanguard show account #s on balance & holding page?

I would rather that they express in percentages next to the amount of NAV in dollars and cents how much a fund went up or down that day. In other words, for instance, that Total Stock Index went up $0.20 (+0.10%), etc. rather than just the dollar (or cents) amount without the context of how much of ...
by CrossOverGuy
Thu Jul 11, 2013 11:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Why does Vanguard show account #s on balance & holding page?
Replies: 8
Views: 702

Re: 1929 Crash being a Boglehead?

I think most Bogleheads probably haven't signed up for margin accounts. I think what wiped out a lot of people were margin calls from their brokers telling them to ante up some more money into their accounts to get up to the level agreed upon; since most everything was going down, down, down, the br...
by CrossOverGuy
Wed Jul 03, 2013 5:56 pm
 
Forum: Investing - Theory, News & General
Topic: 1929 Crash being a Boglehead?
Replies: 74
Views: 4634

Re: What do you wish you had learned sooner?

"Wall Street" has a vested interest in making things sound very complicated so they can sell you their services and products at much higher rates than are necessary. You can tell your students that anything that they can't understand isn't worth investing in. They can, with a diversified p...
by CrossOverGuy
Sat Jun 29, 2013 5:19 pm
 
Forum: Investing - Theory, News & General
Topic: What do you wish you had learned sooner?
Replies: 104
Views: 12404

Re: WSJ's Zweig: Saving Investors From Themselves

Jason Zweig and Jonathan Clements are my two of my favorite personal finance writers. I have clipped (and now scanned) quite a few of their columns over the years, because they just make a lot of sense and more importantly, seem genuinely interested in helping individual investors. Clements especial...
by CrossOverGuy
Sat Jun 29, 2013 4:06 pm
 
Forum: Investing - Theory, News & General
Topic: WSJ's Zweig: Saving Investors From Themselves
Replies: 23
Views: 3595

Is George Zimmer firing = to John Bogle's from Vanguard?

Zimmer was fired the other day from Men's Wearhouse. I realize that Mr. Bogle wasn't quite fired, but he was pretty much ousted from the company he started. It just struck me as I was reading the news that Mr. Bogle came to mind as having gone down this road before.
by CrossOverGuy
Tue Jun 25, 2013 3:41 pm
 
Forum: Investing - Theory, News & General
Topic: Is George Zimmer firing = to John Bogle's from Vanguard?
Replies: 17
Views: 1558

Re: Money Market Account

At this point in time, I would mainly use a money market fund as a way-station for some cash at hand for when I wanted to purchase a stock or bond fund "on sale" (and/or as part of one's asset allocation plan). If you have Prime Money Market at Vanguard, for instance, if you placed your on...
by CrossOverGuy
Tue Jun 25, 2013 1:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Money Market Account
Replies: 3
Views: 455

Re: Visiting Costa Rica for a week in August

Lots of wonderful places to visit in Costa Rica. I'd say near Manuel Antonio Park, the closest town being Quepos might be a possibility. It's very beautiful with lots monkeys, bird-watching, beaches, and there is sailing nearby, horseback riding; I think you can make arrangements for ziplines and ot...
by CrossOverGuy
Mon Jun 10, 2013 8:04 pm
 
Forum: Personal Consumer Issues
Topic: Visiting Costa Rica for a week in August
Replies: 14
Views: 1582

Re: Wellington Fund or Total Stock Market Index Fund?

Taylor, I wouldn't discourage this person with all those quotes. Yes, they are correct. But, it's not like he is seeing some fund with a 1, 2, or 5-year record only. Wellington was created right before the 1929 crash and has weathered bull and bear markets and other market crashes. It is indeed acti...
by CrossOverGuy
Mon Jun 10, 2013 7:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wellington Fund or Total Stock Market Index Fund?
Replies: 19
Views: 2863

Re: Another look at Jim Cramer's stock picks

Wasn't the character of Bulldog on the tv show "Frasier" based on Jim Cramer to some extent? Even though Bulldog was a sports radio announcer, his on-air tactics and over the top persona, including sound effects, were very similar to Cramer's.
by CrossOverGuy
Fri May 17, 2013 1:50 pm
 
Forum: Investing - Theory, News & General
Topic: Another look at Jim Cramer's stock picks
Replies: 29
Views: 3918

Re: Are bitcoins something like internet tulips?

There are at least two previous threads on the topic you should be able to find with a forum search. It doesn't seem likely that a new thread would be useful. I read one of them, and it got a bit more complex than I want to read. I want a simplified version; someone once said something to the effec...
by CrossOverGuy
Fri Apr 19, 2013 1:30 pm
 
Forum: Investing - Theory, News & General
Topic: Are bitcoins something like internet tulips?
Replies: 62
Views: 3433

Are bitcoins something like internet tulips?

Could someone please explain what this so-called currency is? What can people supposedly buy with it? It sounds to me like some over-hyped sleight of hand, but it is being discussed more often on some sites. I could be wrong, but my gut feeling says avoid and run away.
by CrossOverGuy
Fri Apr 19, 2013 1:09 pm
 
Forum: Investing - Theory, News & General
Topic: Are bitcoins something like internet tulips?
Replies: 62
Views: 3433

Re: [POLL] What would you like Vanguard to change or improve

How about Vanguard match our retirement contributions up to say, 6%? :-) Anything in the organizational structure for or against? :D
by CrossOverGuy
Wed Mar 27, 2013 3:47 pm
 
Forum: Investing - Theory, News & General
Topic: [POLL] What would you like Vanguard to change or improve?
Replies: 92
Views: 6674

Re: What to do with inheritance money?

Sorry for your loss. I'll only address the part about what to do with IRA money -- especially if it was from a regular IRA, you would want to put that into an Inheritance IRA. Make sure it is a direct transfer from its current place to the new one, and be sure it is titled as ["your name" ...
by CrossOverGuy
Thu Mar 21, 2013 4:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with inheritance money?
Replies: 4
Views: 604

Would principal in bond funds be decimated at 1980s rates

I was looking of one of the few charts in Andrew Tobias' excellent book "The Only Investment Guide You'll Ever Need" which shows that prime and other interest rates in the early 1980s (due to apparently rampant inflation) were like 12%-15% or higher. Did they get that high by ever increasi...
by CrossOverGuy
Sun Mar 10, 2013 5:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Would principal in bond funds be decimated at 1980s rates
Replies: 6
Views: 998

Re: Money Lessons From 'Downton Abbey'

Does anyone know when women were finally allowed to inherit real estate and money in the UK? I don't know if inheriting real estate and other items (like securities and cash) were treated separately. Besides "Downtown Abbey", many famous novels like "Sense and Sensibility" and &q...
by CrossOverGuy
Tue Mar 05, 2013 3:34 pm
 
Forum: Personal Consumer Issues
Topic: Money Lessons From 'Downton Abbey'
Replies: 23
Views: 3122

On-line personal finance course from Rutgers University

This may be somewhat basic in some respects, but it does have some very good ideas on cutting costs, saving money, investing and so forth. You can click on whatever chapter you like, as some clearly cover more advanced topics. I thought you might want to have a look and pass it along it you like. Th...
by CrossOverGuy
Sun Mar 03, 2013 3:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: On-line personal finance course from Rutgers University
Replies: 0
Views: 326

Re: any boglehead cure for audiophile upgrade-itis?

Play some LPs -- I held on to mine and ones I inherited from my folks. There are turntables for sale, even ones which will convert them to MP3s. The sound is rich and warm (even if they sometimes skip and get stuck); even some new artists are releasing LPs again. With MP3s and other compacted files,...
by CrossOverGuy
Tue Feb 26, 2013 8:43 pm
 
Forum: Personal Consumer Issues
Topic: any boglehead cure for audiophile upgrade-itis?
Replies: 62
Views: 3669

Re: Preserve Delta Skymiles

You can go into the shopping portal of your frequent flier program and buy one I-Tunes song for $1.00

You can order a magazine and that will also reset the expiration date.
by CrossOverGuy
Sun Feb 17, 2013 2:58 am
 
Forum: Personal Consumer Issues
Topic: Preserve Delta Skymiles
Replies: 21
Views: 2142

Not too upset if market goes down on day of dividends etc.

Anyone else think it's actually rather good that the market is down on a day that funds are giving out shares for capital gains, dividends and interest? It always seems like we're getting more shares at a bargain price. Of course, it helps if prices go up in the long run!
by CrossOverGuy
Sat Dec 29, 2012 2:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Not too upset if market goes down on day of dividends etc.
Replies: 1
Views: 309

Re: To go - Family trip to Costa Rica

I've been twice and love Costa Rica. Check out the tours given by caravan.com which are all-inclusive and very affordable. Even if you decide you want to do CR on your own, reading the descriptions of where they go and some of the sights will give you some ideas. The second time I went more or less ...
by CrossOverGuy
Thu Dec 27, 2012 10:01 pm
 
Forum: Personal Consumer Issues
Topic: To go - Family trip to Costa Rica
Replies: 10
Views: 1494

Re: $800 to burn on fitness related expense

You could possibly take dance classes or private dance lessons. Ballroom, swing, and Latin dances could be learned with private lessons; they are hot again as shows like "Dancing with the Stars" are top-rated. Also classes in things like tap dance (which require special shoes), jazz and ot...
by CrossOverGuy
Sat Oct 13, 2012 2:06 pm
 
Forum: Personal Consumer Issues
Topic: $800 to burn on fitness related expense
Replies: 35
Views: 1729

Re: A Gem: "The Only Investment Guide You'll Ever Need"

I think if I ever meet Mr. Tobias, I would love to be able to say to him, "COME OOOOOOONNNNNNNN, WILLOWWWWW" * *Referring to one of his hilarious stories in his book about his bet on a horse-race. It's a really funny and useful book, and it has indeed been updated a bit in the 2011 version.
by CrossOverGuy
Mon Sep 17, 2012 1:29 am
 
Forum: Investing - Theory, News & General
Topic: A Gem: "The Only Investment Guide You'll Ever Need"
Replies: 28
Views: 3665

Re: Problems with Vanguard's New Site

I believe that the display of "Balances and Holdings" is too cluttered now. I don't really see the need to have the fund and account #s of each of the holdings visible. Certainly it should be available if you click on the name of the fund or something like that, but I think having these lo...
by CrossOverGuy
Sat Aug 25, 2012 1:11 pm
 
Forum: Personal Consumer Issues
Topic: Problems with Vanguard's New Site
Replies: 42
Views: 8202

Paperwork to keep re: converted & contributory Roth IRAs

Is is necessary to somehow still differentiate between converted and contributory Roth IRAs? I have paid the taxes on the converted ones, but just wondering about if I need to keep paperwork (or how much of it to keep). For example, do I need to keep some paperwork of another fund company where the ...
by CrossOverGuy
Sun Aug 19, 2012 12:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paperwork to keep re: converted & contributory Roth IRAs
Replies: 1
Views: 290

Re: Foreign film night recommendations.

Some wonderful French films - First, courtesy of Francois Truffaut: The 400 blows (autobiographical film about Truffaut's rough upbringing, but very moving and funny too) Small Change (wonderful film about small children) Day for Night (great film about movie-making) Shoot the Piano Player w Charles...
by CrossOverGuy
Fri Jun 15, 2012 2:59 pm
 
Forum: Personal Consumer Issues
Topic: Foreign film night recommendations.
Replies: 111
Views: 4985

Re: Question about buying web domain for possible business

Just erring on the side of caution. When one gets an idea that could possibly make some money, I think a bit of paranoia and prudence might be in order. I've heard of internet millionaires making money buying up sites; I don't know if they have some kind of automated robo-computer checking out searc...
by CrossOverGuy
Fri Jun 08, 2012 4:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question about buying web domain for possible business
Replies: 2
Views: 182

Question about buying web domain for possible business

I have an idea for a possible business that could come from a relatively common word or two in English usage as its dotcom website. I was thinking of checking GoDaddy or something like that, but I seem to recall some article (or someone talking about) folks out there looking to buy web domains so th...
by CrossOverGuy
Fri Jun 08, 2012 3:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question about buying web domain for possible business
Replies: 2
Views: 182

General Motors to drop all paid advertising on Facebook

Isn't this a hint of more to come from other companies on Facebook? And it's very interesting the timing of this, before the big IPO (which Facebook apparently has just increased the valuation of what they say it is worth). http://marketday.msnbc.msn.com/_news/2012/05/15/11719848-gm-to-drop-all-adve...
by CrossOverGuy
Tue May 15, 2012 10:19 pm
 
Forum: Investing - Theory, News & General
Topic: General Motors to drop all paid advertising on Facebook
Replies: 20
Views: 1401

Re: Bond funds bad? Ask Suze Orman?

Jane Bryant Quinn had a fairly simple, but ultimately reassuring explanation for holding bond funds, even when the interest rates are higher. She said that it is true the principal will be lower when rates rise, but then you will be getting monthly interest at that higher interest rate and it will b...
by CrossOverGuy
Mon Mar 26, 2012 5:31 pm
 
Forum: Investing - Theory, News & General
Topic: Bond funds bad? Ask Suze Orman?
Replies: 29
Views: 2461

Re: Why is 1926 used for most historic risk/return charts?

Another thing about some of those charts: some years ago, different mutual fund companies would say that one wouldn't lose money if one kept some money in a mixture of stock and bond mutual funds over a 10-year period; however, because of recent events, including the Great Recession and some charts ...
by CrossOverGuy
Sat Mar 17, 2012 1:18 pm
 
Forum: Investing - Theory, News & General
Topic: Why is 1926 used for most historic risk/return charts?
Replies: 28
Views: 1983

Why is 1926 used for most historic risk/return charts?

Why not, say, have a 100-year chart instead, which might give a longer overview? Isn't 1926 a bit skewed since it starts in the Roaring '20s, a few years before the Big Crash of 1929, and including the Great Depression of the 1930s? Wouldn't a longer time period give a more accurate view of for inst...
by CrossOverGuy
Sat Mar 17, 2012 12:48 pm
 
Forum: Investing - Theory, News & General
Topic: Why is 1926 used for most historic risk/return charts?
Replies: 28
Views: 1983

Re: What is your favorite movie?

Singin' in the Rain

Meet Me in St. Louis

Mary Poppins

A Night at the Opera

Strangers on a Train

Love Me Tonight

The Palm Beach Story

The Music Man (original)

Some Like It Hot

The Apartment

Ninotchka

among many others
by CrossOverGuy
Mon Jan 02, 2012 2:23 am
 
Forum: Personal Consumer Issues
Topic: Movie night in recommendations
Replies: 269
Views: 19793

Re: Is GNMA affected by sub-primes like FannieMae + FreddyMa

Thanks for your reply. I have a little exposure to GNMA in the STAR fund. I was just wondering when I kept hearing about FannieMae and FreddieMac being in trouble, but not so much about GNMA. Anyway, I appreciate your taking the trouble to find the answer.
by CrossOverGuy
Fri Oct 28, 2011 1:49 am
 
Forum: Investing - Theory, News & General
Topic: Is GNMA affected by sub-primes like FannieMae + FreddyMac?
Replies: 8
Views: 618

Is GNMA affected by sub-primes like FannieMae + FreddyMac?

Since recent headlines with all the sub-prime mortgages and terrible loans made by the banks seemed to indicate a crisis with FannieMae and FreddieMac, what is the structure that allows GNMAs to not seem to be having such scrutiny (or being mentioned in the same breath as the others)? Thanks.
by CrossOverGuy
Thu Oct 27, 2011 2:41 pm
 
Forum: Investing - Theory, News & General
Topic: Is GNMA affected by sub-primes like FannieMae + FreddyMac?
Replies: 8
Views: 618

Things have really gotten out of hand. Years ago my father warned me never to use a Christmas club account, because the bank doesn't pay you anything, but uses your money which it loans out to someone else. That was something of a scam, since you could have just saved your money in a regular account...
by CrossOverGuy
Fri Sep 30, 2011 4:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bank of America to Charge $5/Month for Debit Cards
Replies: 148
Views: 11337

ABCnews.com has been reporting for several hours that the Bank of America website is down. Lots of angry debit-card holders are making their feelings known about their desire to close their accounts.
by CrossOverGuy
Fri Sep 30, 2011 3:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bank of America to Charge $5/Month for Debit Cards
Replies: 148
Views: 11337
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