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Re: was Bogle right about ETFs?

This article is paraphrasing his "The Little Book of Common Sense Investing". As long as you don't trade them and stay away from the newly designed "specialty" ETFs, buying the total market index ETFs and holding them forever is just as good as a mutual fund index fund. But, obvi...
by EyeYield
Wed Jul 16, 2014 7:34 pm
 
Forum: Investing - Theory, News & General
Topic: was Bogle right about ETFs?
Replies: 26
Views: 2867

Re: No bonds at all.

rleonardh wrote: Ok What im doing at age 34 is a 80/20 AA.

That's fine. The most important thing for you to do is live your life, continue saving and maximizing your tax free accounts, but enjoy life.
by EyeYield
Tue Jun 24, 2014 12:45 am
 
Forum: Investing - Theory, News & General
Topic: No bonds at all.
Replies: 176
Views: 11792

Re: If I am young, why not invest in a risky fund?

The thread was written about 13 months ago. Since that time, VGSIX (REIT) significantly lagged the overall market VTSAX (Total Market) Exactly. REITs corrected almost immediately after Dr. Bernstein sounded the warning. Prophetic. Now the REITs are almost back to where they were then. Check out the...
by EyeYield
Fri Jun 20, 2014 11:44 am
 
Forum: Investing - Help with Personal Investments
Topic: If I am young, why not invest in a risky fund?
Replies: 45
Views: 3154

Re: If I am young, why not invest in a risky fund?

500Kaiser wrote:REIT - consider what at least one expert thinks about REIT valuations today.
viewtopic.php?f=10&t=115965&p=1688269&hilit=Reit#

Wow, look at the date of that thread and the performance of REITs since.
by EyeYield
Thu Jun 19, 2014 8:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: If I am young, why not invest in a risky fund?
Replies: 45
Views: 3154

Re: If I am young, why not invest in a risky fund?

Bad idea. 40 years is a long time to be in one sector, when individual sectors can be in the dumps for a decade. Especially REITs and healthcare, which are probably more susceptible to regulatory events than any other sector. Edit: Now that I think about it - Utilities, Energy, Telecom, Technology, ...
by EyeYield
Thu Jun 19, 2014 6:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: If I am young, why not invest in a risky fund?
Replies: 45
Views: 3154

Re: No bonds at all.

Of course what everyone doesn't seem to know is what makes this work is a decent return from your account I would think everyone, at least here, knows that, FD. After all, it was just a tale to illustrate a point. Investor B may have started investing when the return was 2% or 9%, but investor A is...
by EyeYield
Wed Jun 18, 2014 7:23 pm
 
Forum: Investing - Theory, News & General
Topic: No bonds at all.
Replies: 176
Views: 11792

Re: No bonds at all.

B) if you only have like 20k in a roth, it will make more by future conturbations, than actual returns. No, asset allocation aside, compounding wins. Future contributions will not "make" more. Compounding plus tax free earnings equals larger growth. The most valuable capital a young perso...
by EyeYield
Wed Jun 18, 2014 1:40 pm
 
Forum: Investing - Theory, News & General
Topic: No bonds at all.
Replies: 176
Views: 11792

Re: No bonds at all.

What if someone new started investing in a roth? Sense the roof is so low, whould it not advacte have as much return as possible? I brought up the Roth, so I assume that this is directed at me, but I don't understand your question. Basically a Roth is just another savings account with different rul...
by EyeYield
Wed Jun 18, 2014 11:37 am
 
Forum: Investing - Theory, News & General
Topic: No bonds at all.
Replies: 176
Views: 11792

Re: No bonds at all.

With 28K, it doesn't matter much how you allocate today. It matters how much you save going forward, and for how many years. It's also important to take advantage of any free money available to you, like a matching 401k and a RothIRA. If you don't have a Roth, get one. You're only allowed $5500 a y...
by EyeYield
Tue Jun 17, 2014 10:32 pm
 
Forum: Investing - Theory, News & General
Topic: No bonds at all.
Replies: 176
Views: 11792

Re: Bernstein's Four Pillars of Investing for $1.99 on June

Thanks for this alert. I used to read about all these super deals on Kindle books before I bought an iPad, but now I can actually use them. I very much enjoy how Dr. Bernstein writes, as evidenced by my reading of The Investor's Manifesto" and I'm sure I'll enjoy his writing of The Four Pillars.
by EyeYield
Thu May 29, 2014 8:12 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein's Four Pillars of Investing for $1.99 on June 4th!
Replies: 88
Views: 4640

Re: Stock Market to Plunge? What a friend said.

I actually knew about the upcoming market plunge almost a year ago, long before your coworker. On Fox news I saw a Goldline commercial, and they showed a clip of an expert saying that we were in the midst of the worst stock market bubble in history (true story). So, I've been sitting on all cash an...
by EyeYield
Wed May 14, 2014 12:44 am
 
Forum: Investing - Theory, News & General
Topic: Stock Market to Plunge? What a friend said.
Replies: 78
Views: 6118

Re: Stock Market to Plunge? What a friend said.

Did your co-worker show you his confirmation statements, showing that he has taken himself out of the market, proving that he strongly believes what he’s telling you? Does he have a history of accurately calling future market movements? Will he know when it’s time to get back in the market? I didn’t...
by EyeYield
Tue May 13, 2014 5:55 pm
 
Forum: Investing - Theory, News & General
Topic: Stock Market to Plunge? What a friend said.
Replies: 78
Views: 6118

Re: FutureAdvisor reducing exposure to US equities

... if you want to churn out books, blog posts and newsletters, you have to have something new and interesting to talk about, ad nauseam . That sounds about right, I mean they are the Future Advisor,right? That's their job, to advise for the future. Now, what about their PAST future advice? Say fro...
by EyeYield
Sat Mar 22, 2014 10:42 pm
 
Forum: Investing - Theory, News & General
Topic: FutureAdvisor reducing exposure to US equities
Replies: 10
Views: 1258

Re: State Farm or Allstate

Stay the course. That's what I've done with State Farm and no one can compete, because of all the loyalty points I've earned and all the additional policies I've added over the years. 39 years - auto - In three different states. 30 years - home owners - two different states 20 years - earthquake 1 y...
by EyeYield
Sat Mar 22, 2014 9:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: State Farm or Allstate
Replies: 26
Views: 2078

Re: Not too late investing strategy

You are 61 with a million dollars, little in way of liabilities and would like to take a "soft" retirement at 62 but will have to fund medical for you and your wife. What would you do? The first thing I would do is try to provide some more information. There's a decent checklist here: htt...
by EyeYield
Fri Mar 21, 2014 10:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Not too late investing strategy
Replies: 4
Views: 513

Re: Alert. Scam with callers posing as IRS agents...

I've had calls like this. I take these calls very seriously and do my best to help these people get the money they're looking for. First I plead with them not to have me arrested and that I will do anything I can to prevent it. Then I tell them I lost all my credit cards and banking information in a...
by EyeYield
Thu Mar 20, 2014 9:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Alert. Scam with callers posing as IRS agents...
Replies: 29
Views: 2185

Re: Investing in stocks--A surprising Google report ?

What this proves is, that like everyone else, google knows nuthin. :mrgreen:
by EyeYield
Tue Mar 18, 2014 2:03 pm
 
Forum: Investing - Theory, News & General
Topic: Investing in stocks--A surprising Google report ?
Replies: 37
Views: 4230

Re: Get ready for the Dow at 6,000 by 2016: Pro

Come on - predictors of the future....really?? I predict I will have an automobile accident with big foot and the results will be a harry dent.
by EyeYield
Tue Mar 04, 2014 3:12 pm
 
Forum: Investing - Theory, News & General
Topic: Get ready for the Dow at 6,000 by 2016: Pro
Replies: 46
Views: 5024

Re: Favorite forum for active investing?

I active trade about 1-2% of my portfolio, for recreational purposes only, and I quite enjoy it. It's also an exercise in discipline, since I have to continually remind myself that success is mostly luck. My speculative trades from the past year are up 245%, so it's hard not to let it go to my head,...
by EyeYield
Fri Feb 14, 2014 2:21 pm
 
Forum: Investing - Theory, News & General
Topic: Favorite forum for active investing?
Replies: 32
Views: 2891

Re: JOHN BOGLE'S NOMINATION FOR ECONOMIC LAUREATE

The president may be looking for a MYRA Czar. There wouldn't be anyone I would trust more than Mr. B. Politics should be kept out of it.
by EyeYield
Wed Jan 29, 2014 10:04 pm
 
Forum: Investing - Theory, News & General
Topic: JOHN BOGLE'S NOMINATION FOR PRESIDENTIAL MEDAL OF FREEDOM
Replies: 43
Views: 5041

Re: Not happy with market

It seems like a reasonable time to resurrect this old thread. Is anyone else not happy with their returns lately? Lately? I know what my returns were last year; it's time to get tax info together, and yes I am happy with them. In another twelve months I'll know what my returns were for 2014, so I'l...
by EyeYield
Wed Jan 29, 2014 9:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Not happy with market
Replies: 148
Views: 13308

Want to be a Smarter Investor? [Sales pitch]

Come To The Free Power Trading Workshop: Market Timing For Short-Term Income And Long Term Wealth This is the language from a mailer I received today and it irks me to no end, since I know exactly what it is; a scheme to make someone else rich. I subscribed to Money magazine a few months ago, using ...
by EyeYield
Tue Jan 21, 2014 1:20 pm
 
Forum: Investing - Theory, News & General
Topic: Want to be a Smarter Investor? [Sales pitch]
Replies: 4
Views: 651

Re: Dave says $300 a month can grow to $3M

SpringMan wrote:According to Dave, a good front load growth mutual fund will return 12%. :happy

Oh,....a GOOD one. Thanks, I can really use that information.

Actually $300 a month for 40 years to reach 3 mil doesn't sound too wrong, though slightly sensational.
by EyeYield
Sat Dec 07, 2013 1:30 pm
 
Forum: Investing - Theory, News & General
Topic: Dave says $300 a month can grow to $3M
Replies: 76
Views: 8202

Re: who here is tempted to pullback on stocks?

Pull back on individual stocks or stock funds? If you have some individual high fliers, it might be a good time to trim them (to the extent that you don't trigger too much in capital gains) and put the proceeds in an index fund. A couple of possible negatives in taking profits and holding in cash. Y...
by EyeYield
Thu Nov 21, 2013 2:24 pm
 
Forum: Investing - Theory, News & General
Topic: who here is tempted to pullback on stocks?
Replies: 104
Views: 8192

Re: If want a good laugh watch this video

His favorite word: "IF"
by EyeYield
Wed Nov 13, 2013 2:04 pm
 
Forum: Investing - Theory, News & General
Topic: If want a good laugh watch this [advisor] video
Replies: 41
Views: 4093

Re: Active stock picking will start beating index funds!

Anyone who cuts back on the telecoms and utilities in their portfolio and stocks up on drinks instead can beat the market very easily.


Or at least pretend to beat the market.
by EyeYield
Wed Nov 13, 2013 12:53 pm
 
Forum: Investing - Theory, News & General
Topic: Active stock pickers can now beat the market [merged]
Replies: 14
Views: 882

Re: Twitter

Lots of trading costs; good for brokers. Over 80 million trades so far of 70 million shares. Guess how many times each share trades today.
by EyeYield
Thu Nov 07, 2013 1:58 pm
 
Forum: Investing - Theory, News & General
Topic: Twitter IPO?
Replies: 60
Views: 2550

Re: Did you wish you were more aggressive when you were youn

I was super aggressive when I was younger. In living life, not investing. While I always invested quarterly in my DRIP's and yearly in my IRA, I'm glad I was ignorant of the true value of planning for retirement. I would be much better off now if I was more aware of the end game, but my life would h...
by EyeYield
Sun Nov 03, 2013 2:36 pm
 
Forum: Investing - Theory, News & General
Topic: Did you wish you were more aggressive when you were younger?
Replies: 47
Views: 4300

Re: 2013 BOGLEHEAD CONTEST -- Two months to go.

We must also thank Boglehead Ralph Arvesen who contributes his time and money to maintain the Contest's wonderful website. I sent him a link to this Conversation today. Best wishes. Taylor Yes thanks to Ralph Arvesen. Should he really have to contribute money as well as time? Shouldn't we at least ...
by EyeYield
Thu Oct 31, 2013 9:32 pm
 
Forum: Investing - Theory, News & General
Topic: 2013 BOGLEHEAD CONTEST -- Two months to go.
Replies: 13
Views: 706

Re: EE savings bonds

I miss the days of a locked rate, but sometime in 1995 EE bonds went variable. .68% is low, but if interest rates go up over the next twenty years, so will the yields on your bonds. Depending on how old you are, your AA and your retirement strategy, you may find EE's offering a much higher yield and...
by EyeYield
Fri Oct 25, 2013 12:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: EE savings bonds
Replies: 14
Views: 879

Re: Boglehead Wisdom on Family Will & Inheritance

With the power of attorney, depending on what kind, your sister may be able to set up a living trust, which could avoid probate. On the other hand, if you anticipate a legal dispute with your sister, then a judge (probate) might be a good idea. Probate can be expensive, depending on the totality of ...
by EyeYield
Wed Oct 16, 2013 3:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Boglehead Wisdom on Family Will & Inheritance
Replies: 19
Views: 1981

Re: Music Career - More savvy approaches?

Copernicus, Your son has a lot of talent and is clearly on the right path, he just needs to keep on learning and getting experience. The fact that he's in LA and has an internship with a firm that scores big budget films should give him all the guidance he needs to grow. Like I mentioned, working wi...
by EyeYield
Thu Oct 03, 2013 3:32 pm
 
Forum: Personal Consumer Issues
Topic: Music Career - More savvy approaches?
Replies: 12
Views: 1236

Re: Music Career - More savvy approaches?

"Working hard to make a career in music" That's a pretty broad statement as there are many careers to be had in the music industry. If I knew what his specific goals were and what skill sets he already possesses, I might be able to offer some advice. If he wants to score films (he lives i...
by EyeYield
Tue Oct 01, 2013 1:50 am
 
Forum: Personal Consumer Issues
Topic: Music Career - More savvy approaches?
Replies: 12
Views: 1236

Re: Goldman says best stock opportunities in years

Double down, then short everything, just to cover all the basis bases.
by EyeYield
Wed Sep 25, 2013 8:45 pm
 
Forum: Investing - Theory, News & General
Topic: Goldman says best stock opportunities in years
Replies: 16
Views: 2695

Re: career in music?

I've worked in the music business all my life, in one form or another. The last twenty years I've been a music editor and part time composer in the tv and film industry. Since your niece expresses an interest in film music, allow me to speak to that and quote Hans Zimmer from another forum I'm a mem...
by EyeYield
Tue Sep 24, 2013 10:57 pm
 
Forum: Personal Consumer Issues
Topic: career in music?
Replies: 45
Views: 2617

Re: Individual Stocks - Do you own any?

Yes - I'm still looking for the next Apple, especially since I didn't win the Powerball on Wednesday. Got any tips? Well there's always speculation. Twitter is supposed to have an IPO :P I got in on the FB IPO and got out four hours later when I saw it being propped up. A year and a half later it's...
by EyeYield
Fri Sep 20, 2013 1:56 pm
 
Forum: Investing - Theory, News & General
Topic: Individual Stocks - Do you own any?
Replies: 97
Views: 6776

Re: "Stocks are about to plunge, Wells Fargo warns"

She started predicting that last December.
http://www.businessinsider.com/wells-fa ... ll-2012-12
And has reiterated her claims every month this year.
Eventually she'll be right. Yawn, not actionable.
by EyeYield
Fri Sep 20, 2013 1:02 pm
 
Forum: Investing - Theory, News & General
Topic: "Stocks are about to plunge, Wells Fargo warns"
Replies: 33
Views: 5977

Re: Beware of Financial Advisers Who Won’t Talk About Fees

After collage, I ... Ah an art major I presume... :wink: Good one. :thumbsup :oops: Oh jeez. My reading is worse than my speeling. And people scoff when I tell them I don't irrationally spend because I'm saving up for Alzheimer's. It's hereditary for generations in my family and I'm already showing...
by EyeYield
Thu Sep 19, 2013 8:43 pm
 
Forum: Investing - Theory, News & General
Topic: Beware of Financial Advisers Who Won’t Talk About Fees
Replies: 14
Views: 1629

Re: Beware of Financial Advisers Who Won’t Talk About Fees

pastafarian wrote:
After collage, I ...

Ah an art major I presume... :wink:

EDIT - Embarrassed.
by EyeYield
Thu Sep 19, 2013 1:49 pm
 
Forum: Investing - Theory, News & General
Topic: Beware of Financial Advisers Who Won’t Talk About Fees
Replies: 14
Views: 1629

Re: Beware of Financial Advisers Who Won’t Talk About Fees

Wise advice. It's amazing how some "brokers" keep fees hidden. I grew up with drips and a Smith Barney account, which I funded when I visited home, as it was with my parents broker. I never traded in that account, just told the broker how much I had and asked where I should put it. Looking...
by EyeYield
Thu Sep 19, 2013 1:15 pm
 
Forum: Investing - Theory, News & General
Topic: Beware of Financial Advisers Who Won’t Talk About Fees
Replies: 14
Views: 1629

Re: The Bull's In Charge!

Whether the bull or the bear is in charge, you always have to be wary as to where you step following either of these animals.

Nobody can predict the future.

The stock market is going up tomorrow. :oops:
by EyeYield
Sun Sep 15, 2013 8:55 pm
 
Forum: Investing - Theory, News & General
Topic: The Bull's In Charge!
Replies: 32
Views: 3169

Re: rebalancing

If you're still working and saving, rebalance with new money. According to Jack Bogle, quoted in the current Money article on Rebalancing, if what you're looking to rebalance into looks risky, skip it. --Jack Bogle has long maintained that the value of rebalancing is overhyped.-- According to the ar...
by EyeYield
Thu Sep 12, 2013 8:53 pm
 
Forum: Investing - Theory, News & General
Topic: rebalancing
Replies: 8
Views: 1151

Re: Day trading teen actress gets lucky and thinks it's skil

Well YES, but...the type of investing, and her advice and opinions about investing (have you read her website?) are sort of like the investing equivalent of a wardrobe malfunction, or perhaps the recent VH-1 Video Music Awards. :? What's next, "The Twerking Investor"?? Twerk your way to f...
by EyeYield
Wed Aug 28, 2013 10:50 pm
 
Forum: Investing - Theory, News & General
Topic: Day trading teen actress gets lucky and thinks it's skill
Replies: 34
Views: 4209

Re: Day trading teen actress gets lucky and thinks it's skil

I remember this: viewtopic.php?f=10&t=111108
The question is, how's she doing now.
Haven't we all beaten the market; at least at some point?
by EyeYield
Tue Aug 27, 2013 5:08 pm
 
Forum: Investing - Theory, News & General
Topic: Day trading teen actress gets lucky and thinks it's skill
Replies: 34
Views: 4209

Re: Is it 100% certain the market will drop when QE stops?

It doesn't matter, soon all money in all banks will become worthless and the entire world markets will collapse. Everything gone for everyone and this is 100% certain!! But there is help: http://www.completecurrencytrader.com/Promo/seminar.php?contactId=33843&inf_contact_key=801419b80a129c73b174...
by EyeYield
Thu Aug 22, 2013 9:15 pm
 
Forum: Investing - Theory, News & General
Topic: Is it 100% certain the market will drop when QE stops?
Replies: 30
Views: 2280

Re: I soooo want to pile in large here...

Of course the inroads they are making with mining gold from the oceans could double the supply and half the price. Always make an argument against what you think might be right, before you do anything. A friend of mine, who is 63 and collecting SS, hasn't saved very well for his retirement, so I rec...
by EyeYield
Sun Aug 18, 2013 1:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: I soooo want to pile in large here...
Replies: 53
Views: 5852

Re: What makes an individual an Expert?

rustymutt wrote:I would ask the question, is an Expert an individual?

It depends on who's payroll they're on.

Not that any of this is actionable.
by EyeYield
Thu Aug 15, 2013 9:04 pm
 
Forum: Investing - Theory, News & General
Topic: What makes an individual an Expert?
Replies: 46
Views: 2143

Re: What makes an individual an Expert?

Mingus wrote:Sweet, that means I'm getting closer!

Then silk blue 8-)

Expert schmexpert, they're a dime a dozen. It's only when an individual is declared "one of the best in the world" by at least a dozen experts that I'll even consider giving them any prestige.
by EyeYield
Thu Aug 15, 2013 8:18 pm
 
Forum: Investing - Theory, News & General
Topic: What makes an individual an Expert?
Replies: 46
Views: 2143

Re: RBD (Really Bad Day) today ?

What if, after the next year, I realize that this was a really good day, possibly the best day of the year going forward? If I'm supposed to invest on a really bad day, what do I do on a really good day? If today was the best day, should I sell? I'm confused. :oops: Maybe I can get in early...in a P...
by EyeYield
Thu Aug 15, 2013 7:57 pm
 
Forum: Investing - Theory, News & General
Topic: RBD (Really Bad Day) today ?
Replies: 69
Views: 7074
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