Search found 381 matches

by EyeYield
Thu Aug 27, 2015 12:18 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1932
Views: 340488

Re: U.S. stocks in freefall

Wednesdays gain will provide false security. It's the calm before the storm (downward). That sounds like a prediction, but offers no specifics. Could you clarify? What time will the calm end and the storm start? In one hour, tomorrow, Monday, on the anniversary of Black Monday in October, when? Mor...
by EyeYield
Wed Aug 26, 2015 12:14 pm
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads Los Angeles meetings
Replies: 52
Views: 2635

Re: Bogleheads Los Angeles meetings

Hmmm, I mentioned possibly hosting here in the SFV, Burbank area with no feedback. It would have to be a Sat or Sun when my dad is gone allowing for at least 5-6 solid hours. BBQ available, large living room, TV for whatever. Nice house and area. Just an offer. What is a tentative agenda for these ...
by EyeYield
Tue Aug 25, 2015 8:55 pm
Forum: Investing - Theory, News & General
Topic: [spurned advisor purports there is a Vanguard] Class Action Suit?
Replies: 43
Views: 3756

Re: [spurned advisor pretends there is a Vanguard] Class Action Suit?

I feel very fortunate after reading this thread. My advisor, at the full service brokerage I left, didn't try to dissuade me from leaving or plant any gloom and doom scenarios in my head. We had a respectful face to face talk where I simply stated I wanted to do it myself and he understood. During o...
by EyeYield
Tue Aug 25, 2015 4:26 pm
Forum: Investing - Theory, News & General
Topic: A Voice of Reason in the Mainstream Press
Replies: 19
Views: 2498

Re: A Voice of Reason in the Mainstream Press

Very good article, but will the average investors it's mainly about, i.e., the investors who will not only watch CNBC and other venues of daily stock market doings, but also act on them, read it and understand it's about them? Some maybe, but probably not many. Still, if it helps some break the sho...
by EyeYield
Tue Aug 25, 2015 4:10 pm
Forum: Investing - Theory, News & General
Topic: A Voice of Reason in the Mainstream Press
Replies: 19
Views: 2498

Re: A Voice of Reason in the Mainstream Press

Mr Bogle might appear on CNBC, but I would be surprised if he watches it. Watching the market is not the same as watching CNBC. Well you might be surprised, but I seem to remember him saying he's seen some of the shows. Forgetting Jack for a moment, I watch from time to time and I can assure you th...
by EyeYield
Tue Aug 25, 2015 2:57 pm
Forum: Investing - Theory, News & General
Topic: A Voice of Reason in the Mainstream Press
Replies: 19
Views: 2498

Re: A Voice of Reason in the Mainstream Press

I found the article ludicrous because there are no redeeming qualities to CNBC whatsoever yet the article suggests there might be. Instead of stating that CNBC might be doing a disservice to investors, the article should have said unequivocally that no true investor would ever watch the show. Ever....
by EyeYield
Tue Aug 25, 2015 2:09 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1932
Views: 340488

Re: U.S. stocks in freefall

Just take a look around the internet. There are thousands upon thousands of traders boasting that they are beating the market everyday. All with a variation of the same story and no proof. What's so hard to believe?
by EyeYield
Tue Aug 25, 2015 2:01 pm
Forum: Investing - Theory, News & General
Topic: A Voice of Reason in the Mainstream Press
Replies: 19
Views: 2498

Re: A Voice of Reason in the Mainstream Press

I found this quieting after one of the noisiest days in recent memory. http://www.latimes.com/business/hiltzik/la-fi-mh-market-turmoil-and-the-problem-of-cnbc-20150824-column.html Thanks for the info.... To an extent, I agree with the author that CNBC is really geared towards "traders" an...
by EyeYield
Tue Aug 25, 2015 11:16 am
Forum: Investing - Theory, News & General
Topic: A Voice of Reason in the Mainstream Press
Replies: 19
Views: 2498

A Voice of Reason in the Mainstream Press

I found this quieting after one of the noisiest days in recent memory. http://www.latimes.com/business/hiltzik/la-fi-mh-market-turmoil-and-the-problem-of-cnbc-20150824-column.html "The Dow is trying to stage a recovery here." That's what I heard an anchorperson say on CNBC around 9 a.m. Mo...
by EyeYield
Mon Aug 24, 2015 10:34 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1932
Views: 340488

Re: U.S. stocks in freefall

Curious, did anyone in here buy following the 1k drop? Not following. Since I am still sitting on cash left over from last Decembers TLH, I placed some ridiculously low orders last night, for shares in some of my index ETF's, just in case there was a sell off. The market dropped so fast that my ord...
by EyeYield
Sun Aug 23, 2015 9:28 pm
Forum: Investing - Help with Personal Investments
Topic: waiting on the side-lines
Replies: 9
Views: 997

Re: waiting on the side-lines

Dollar cost averaging is a great way to invest for the risk averse. Instead of contributing to your IRA all at once, contribute automatically from your bank account once a month. You figure the amount by dividing your max contribution by 12. Investing in stocks is extremely risky in the short term, ...
by EyeYield
Mon Aug 17, 2015 9:34 pm
Forum: Investing - Theory, News & General
Topic: The Risk Quandary
Replies: 29
Views: 2389

Re: The Risk Quandary

Portfolio Visualizer is great. Someone with $1M portfolio 100% in Vanguard's 500 fund who withdrew $40k a year inflation adjusted from 2000-2015 would have $475,508 remaining $40,000 in 2000 is $55,432 in 2015 inflation adjusted dollars, if the portfolio only keeps up with inflation that's about 8....
by EyeYield
Mon Aug 17, 2015 1:03 pm
Forum: Investing - Theory, News & General
Topic: Do you believe in the Shamita?
Replies: 20
Views: 710

Re: Do you believe in the Shamita?

I thought everybody already knew that a worldwide financial collapse is coming. Michael Snyder of The Economic Collapse Blog predicted somewhere around July 15th that a collapse will happen within 6 months. So by Feb 15th it's all over. "Financial Collapse Imminent within next 6 months Over the...
by EyeYield
Fri Aug 14, 2015 12:39 pm
Forum: Personal Consumer Issues
Topic: Is Anybody Here An Ornithologist?
Replies: 29
Views: 1991

Re: Is Anybody Here An Ornithologist?

Thanks guys, Cooper's Hawk seems to be the correct answer. I can tell by seeing underneath their wings. I was under them as they were flying, but couldn't get a picture. I'm in So. Cal. and from the link Lady Geek provided, for some reason, in the West, these Hawks may prey on mammals. I hope that c...
by EyeYield
Thu Aug 13, 2015 9:18 pm
Forum: Personal Consumer Issues
Topic: Is Anybody Here An Ornithologist?
Replies: 29
Views: 1991

Is Anybody Here An Ornithologist?

This morning I heard the birds and squirrels going nuts in their tree, shrieking and screaming like I've never heard before. I ran out to see these two birds (Hawks?) circling the tree. http://i62.tinypic.com/10ndysp.jpg Here's the mate. http://i60.tinypic.com/259ijqo.jpg I've never seen these birds...
by EyeYield
Tue Aug 11, 2015 8:24 pm
Forum: Personal Consumer Issues
Topic: Anyone not own a Smartphone
Replies: 76
Views: 3881

Re: Anyone not own a Smartphone

63 - Old flip phone with a defunct plan that costs $10 per month and I've turned off texting. Synched via Bluetooth with my car to automatically answer on second ring, so I never have to look at it. I compliment the phone with an iPad wifi/cellular. I use wifi at home and turn on the cell plan when ...
by EyeYield
Tue Aug 04, 2015 7:40 pm
Forum: Investing - Theory, News & General
Topic: Apple & the Market:
Replies: 15
Views: 1763

Re: Apple & the Market:

Maybe some get this. Thanks. I would guess that most of us get this. Dealing with catastrophe and calamity at the same time is among the worst things a human can go through and most of us have been there. The loss of loved ones is a deep wound that takes a long time to heal. The one thing that gets...
by EyeYield
Mon Aug 03, 2015 12:15 am
Forum: Personal Consumer Issues
Topic: Swim Goggles for Near-Sighted People
Replies: 18
Views: 1389

Re: Swim Goggles for Near-Sighted People

I swim 2.272 miles every other day with contacts, under my goggles, no problem. When I first started swimming, in a pool, I only wore contacts and everything was fine, until I lost one. My eyes burned from the chorine. I was surprised how well the contacts protected me from the burn. When surfing I ...
by EyeYield
Sun Aug 02, 2015 12:48 pm
Forum: Investing - Theory, News & General
Topic: "Being Both Investment Advisor and Portfolio Manager ."
Replies: 7
Views: 651

Re: "Being Both Investment Advisor and Portfolio Manager ."

A full service investment company hires the best and brightest " brain trust" to oversee well-to-do investors portfolios, doing a myriad of financial advisor fidicuary duties and money management chores . Personal advice and " hand holding" comes part and parcel with this not in...
by EyeYield
Sun Jul 19, 2015 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: Is now a decent time to buy gold? [Portfolio help]
Replies: 88
Views: 7007

Re: Is now a decent time to buy gold? [Portfolio help]

You can buy gold a lot cheaper now than when you started this thread.
by EyeYield
Sun Jul 19, 2015 8:16 pm
Forum: Investing - Theory, News & General
Topic: When did you start investing in the Market?
Replies: 60
Views: 3514

Re: When did you start investing in the Market?

1964 - Allied Chemical Corporation DRIP
Over 50 years of luck.
by EyeYield
Sat Jul 18, 2015 7:49 pm
Forum: Investing - Help with Personal Investments
Topic: Is now a decent time to buy gold? [Portfolio help]
Replies: 88
Views: 7007

Re: Is now a decent time to buy gold?

I too think about gold when it gets to 2009 levels, but historically.....
Image
2009 levels are pretty high.
by EyeYield
Thu Jul 02, 2015 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Unknown phone calls
Replies: 67
Views: 6759

Re: Unknown phone calls

Turned off the ringer on my land line months ago. I don't want to be disturbed and have long ago abandoned physically moving to look at caller ID. If a phone call is legit, they leave a message. If I hear a message begin, that's my new ringer. Robo callers dial multiple numbers at the same time and ...
by EyeYield
Tue Jun 30, 2015 9:26 pm
Forum: Investing - Theory, News & General
Topic: Am I in a Bad Position?
Replies: 26
Views: 3595

Re: Am I in a Bad Position?

:D I'm 30 years old, and figuring I have a long time until I need to live off my investments, I opted for a 2 fund approach. My current holdings: 60% - VTSAX: Vanguard Total Stock Market Index Fund Admiral Shares 40% - VTIAX: Vanguard Total International Stock Index Fund Admiral Shares I'm planning ...
by EyeYield
Sat Jun 13, 2015 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Is my tenant trying to scam their renter's insurance company? (Fire Damage)
Replies: 44
Views: 5357

Re: Is my tenant trying to scam their renter's insurance company? (Fire Damage)

You should ask the insurance company if they sell mutual funds and if so, what would they recommend for a SCV tilt. -Sorry for the snark. If you have to let the insurance company in for an inspection, let them do the talking. Listening may give you more information. If you have a hard time not engag...
by EyeYield
Mon Jun 08, 2015 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: What Percent Of Your Annual Expenses Are Property Taxes?
Replies: 101
Views: 6898

Re: What Percent Of Your Annual Expenses Are Property Taxes?

The BLS gets thousands of people to fill out detailed spending reports. The average for 2013 ( for about 4,000 households , chosen to reflect US averages) was: Property tax: $2,867 Total spending: $56,652 Ratio: 5.1% (Spending includes principal payments on mortgages, but excludes FIT and payroll t...
by EyeYield
Sun Jun 07, 2015 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: What Percent Of Your Annual Expenses Are Property Taxes?
Replies: 101
Views: 6898

Re: What Percent Of Your Annual Expenses Are Property Taxes?

Ok, I admit the question could've been formulated better. Obviously if I were not single and putting two kids through school, my property taxes would represent about 3% of my total expenses. I'm retired, so I'm not making any contributions and don't have a mortgage. Perhaps an easier, more narrowly ...
by EyeYield
Sun Jun 07, 2015 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: What Percent Of Your Annual Expenses Are Property Taxes?
Replies: 101
Views: 6898

What Percent Of Your Annual Expenses Are Property Taxes?

9.7% here.
I'm wondering if that's high, low or average in Boglehead Land.

Thanks,

Edit: Primary residence only.
by EyeYield
Sat May 30, 2015 9:29 pm
Forum: Investing - Theory, News & General
Topic: Clements blog-dividend stocks for retirement income
Replies: 58
Views: 5666

Re: Clements blog-dividend stocks for retirement income

Dividend Stocks Beat Bonds for Retirement Income That's the story title. This is the story: Dividend Stocks Could Beat Bonds for Retirement Income I know, that's typical. Tease me with a definite, then tell me about the possibility. I'll join as many cults as possible, one for every asset class, as...
by EyeYield
Sun May 10, 2015 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Gold bars buying advise
Replies: 43
Views: 4144

Re: Gold bars buying advise

Gold sure does look appetizing - it's purdy, but it's not very nutritious. http://www.corvuswire.com/wp-content/uploads/2014/06/gold-appetite.jpg The other side of the gold coin is that a Texas Senator has offered a bill that would allow Texans to pay with gold and silver pieces as legal tender. Whe...
by EyeYield
Wed May 06, 2015 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: move to cash for upcoming bear market?
Replies: 68
Views: 8860

Re: move to cash for upcoming bear market?

I rode through the 07' bear market hanging on to my investments, and frankly - I don't get why everybody is saying don't sell. It took about 1.5 years to recover to prior levels. During that 1.5 years, your reinvested distributions allowed you to buy some more at prices not seen since '96 - '98. Im...
by EyeYield
Mon May 04, 2015 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: Moving to cash until clear plans formed [formerly Sell in May, Go Away, and Think About It]
Replies: 39
Views: 4471

Re: Moving to cash until clear plans formed [formerly Sell in May, Go Away, and Think About It]

I have the exact opposite problem. After my annual tax loss harvesting last December, I reinvested only 70% of the proceeds during the dip in January. I thought I was so smart - for awhile. Still have 30% of the proceeds in cash and feeling stupid for not reinvesting everything in January like I alw...
by EyeYield
Tue Apr 21, 2015 9:13 pm
Forum: Investing - Theory, News & General
Topic: Should I buy into my brother's shop?
Replies: 22
Views: 3029

Re: Should I buy into my brother's shop?

Also, what interest rate can you expect as an alternative to investing the money with your brother? This alternative investment option is called an opportunity cost as you are giving up investing in something else to invest it in your brothers business. Also, you have to figure in the extra risk of...
by EyeYield
Sun Apr 19, 2015 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: M* Article today 4/17 on ATT's shaky dividend
Replies: 20
Views: 2081

Re: M* Article today 4/17 on ATT's shaky dividend

I Ironically, as an owner of VZ since it's IPO, I've been looking to add some T lately and have had a buy order for several months at a price a few percentage points below it's current price. Not a big deal if I don't get any. ?? When the VZ go IPO? VZ is the cumulative total of the AT&T spin-o...
by EyeYield
Sat Apr 18, 2015 10:29 am
Forum: Investing - Help with Personal Investments
Topic: M* Article today 4/17 on ATT's shaky dividend
Replies: 20
Views: 2081

Re: M* Article today 4/17 on ATT's shaky dividend

It seems Josh Peters, who is the editor for Morningstar's Dividend Investor, sold T for VZ in his model portfolio. Without looking, I imagine it's a portfolio of fairly high yielding stocks. I would back away from making any major changes to your portfolio based on any article based on an opinion. E...
by EyeYield
Thu Apr 16, 2015 6:26 pm
Forum: Investing - Theory, News & General
Topic: Porter Stansberry advising going to 100% cash - Help!
Replies: 56
Views: 8060

Re: Porter Stansberry advising going to 100% cash - Help!

There was a 50% drop in stocks last year? I slept right through it. :oops: I just received an email from Stansberry Research and googled it here and of course.....just what I expected. "Billionaires are fleeing the country and stocking their ranches with gold and ammo, but you don't have to if ...
by EyeYield
Mon Apr 06, 2015 11:00 am
Forum: Investing - Theory, News & General
Topic: Bored -- wondering about day trading for fun
Replies: 61
Views: 6448

Re: Bored -- wondering about day trading for fun

I often wonder about things when I'm bored too. If I'm bored more than one day, I usually find myself wondering about something different the next day.
I'm just wondering if you're still wondering about day trading today.
?
by EyeYield
Sat Apr 04, 2015 6:45 pm
Forum: Investing - Theory, News & General
Topic: Bogle says: "Active mutual funds could disappear:
Replies: 28
Views: 3865

Re: Active mutual funds and Las Vegas gamblers

Taylor Larimore wrote:Bogleheads:

In my opinion, active mutual funds will disappear when gamblers stop going to Las Vegas.

Best wishes.
Taylor

That will happen right after the best seller, "What Happened To The Brokers' Yachts?", goes paperback.
by EyeYield
Wed Apr 01, 2015 1:04 pm
Forum: Investing - Theory, News & General
Topic: My Strategy For A Market Crash
Replies: 54
Views: 10220

Re: My Strategy For A Market Crash

I'm curious why dividends are relevant to your strategy at all. The distinction between dividends and capital gains has always seemed arbitrary to me. I think all that matters is total return. The OP frames the strategy in terms of dividends, but it is really a variant of Taylor's belt-tightening s...
by EyeYield
Tue Mar 31, 2015 1:35 pm
Forum: Investing - Theory, News & General
Topic: My Strategy For A Market Crash
Replies: 54
Views: 10220

Re: My Strategy For A Market Crash

I don't have much to add, except to ask the OP -- how would you intend to replenish your 3-year emergency fund after implementing this strategy? Obviously you seem to value the insurance the 3 year emergency fund offers (and I don't blame you at all), so how would you then replenish it after you've...
by EyeYield
Tue Mar 31, 2015 11:39 am
Forum: Investing - Theory, News & General
Topic: My Strategy For A Market Crash
Replies: 54
Views: 10220

Re: My Strategy For A Market Crash

OP, I believe this to be a prudent strategy. It is well thought out. I would add a provision to it, however. If you are at 3 years of emergency fund, then use this strategy for the first two years. If it looks like the economy is not recovering or if it appears that dividends are not returning to l...
by EyeYield
Tue Mar 31, 2015 10:46 am
Forum: Investing - Theory, News & General
Topic: My Strategy For A Market Crash
Replies: 54
Views: 10220

Re: My Strategy For A Market Crash

I actually like this plan. Not because of "What should I do if the blank hits the fan", but more of "how can I still take advantage of such a situation even if I am retired and no long actively accumulating." I think it is a great plan that if the market tanks to cut down on exp...
by EyeYield
Mon Mar 30, 2015 9:05 pm
Forum: Investing - Theory, News & General
Topic: My Strategy For A Market Crash
Replies: 54
Views: 10220

Re: My Strategy For A Market Crash

If there are any comments on my strategy, I welcome them. I think if you can live on just the dividends it probably does not matter which of several strategies you use. I don't see anything particularly harmful about the one you have chosen. Judging from your screen name and join date, you've got s...
by EyeYield
Mon Mar 30, 2015 5:10 pm
Forum: Investing - Theory, News & General
Topic: My Strategy For A Market Crash
Replies: 54
Views: 10220

Re: My Strategy For A Market Crash

That seems like a pretty reasonable plan.Like livesoft, I would probably go beyond reinvesting to full-up rebalancing if things dropped that deep, although that's often tricky on the taxable side. In a tactical sense I won't check the reinvest box though. (I'm speaking to what I'd do myself in the ...
by EyeYield
Mon Mar 30, 2015 11:01 am
Forum: Investing - Theory, News & General
Topic: My Strategy For A Market Crash
Replies: 54
Views: 10220

Re: My Strategy For A Market Crash

I guess it just seems arbitrary to me that the dividends and fixed income payments from your portfolio just exactly equals the optimal amount of income you wish to withdraw from your portfolio. I have read many pop finance articles about using "dividends" as a source of "income"...
by EyeYield
Sun Mar 29, 2015 12:42 pm
Forum: Investing - Theory, News & General
Topic: My Strategy For A Market Crash
Replies: 54
Views: 10220

Re: My Strategy For A Market Crash

One thing to consider - when you reinvest dividends in a taxable account, every reinvestment event creates a new lot for tax purposes. As it does when paid in cash. I'm in the 15% tax bracket still, so Fed taxes are zero. No, it does not. If the dividend is paid in cash, it does not add a new lot o...
by EyeYield
Sun Mar 29, 2015 11:49 am
Forum: Investing - Theory, News & General
Topic: My Strategy For A Market Crash
Replies: 54
Views: 10220

Re: My Strategy For A Market Crash

Question - I like your plan but would a target retirement or life strategy fund accomplish the same thing with less to keep track of my end? I suspect you could initiate my plan with any portfolio as long as you have an extra large emergency fund. Let's say you have a three fund portfolio, which I ...
by EyeYield
Sun Mar 29, 2015 1:05 am
Forum: Investing - Theory, News & General
Topic: My Strategy For A Market Crash
Replies: 54
Views: 10220

Re: My Strategy For A Market Crash

"Isn't this basically living off withdrawals from fixed income side and re-balancing to equity via reinvestment of dividends? Directionally this is the standard approach for many." No, sorry if I wasn't clear. I would be living off my emergency fund and reinvesting from all assets. Bonds ...
by EyeYield
Sat Mar 28, 2015 7:55 pm
Forum: Investing - Theory, News & General
Topic: My Strategy For A Market Crash
Replies: 54
Views: 10220

My Strategy For A Market Crash

When I searched this topic, here on BH's, all I found was what to do before a coming crash, so this is quite a bit different. If a crash happens, I plan on doing the same thing that I did during the last crash, which is not what I'm doing now. Investment policy statements change with major life chan...
by EyeYield
Thu Mar 19, 2015 12:40 am
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 152
Views: 14372

Re: When will / did you claim Social Security benefits?

Interesting, and surprising, that 50% of the people here will defer benefits to age 70. While I am not sure we are measuring exactly the same thing, this is a huge difference over the general population, where fewer than 2% delay their claim. L. What are you measuring? How much of the general popul...

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