Search found 362 matches

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: 6847

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: 3318

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: 6847

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: 6679

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: 3567

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: 5317

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: 6641

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: 6641

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: 6641

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: 5513

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: 4108

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: 8731

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: 4427

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: 2986

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: 2068

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: 2068

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: 7960

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: 6390

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: 3855

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: 10096

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: 10096

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: 10096

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: 10096

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: 10096

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: 10096

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: 10096

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: 10096

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: 10096

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: 10096

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: 10096

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: 14140

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...
by EyeYield
Sat Mar 14, 2015 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Pet insurance?
Replies: 32
Views: 2283

Re: Pet insurance?

No insurance, but I spent six thousand dollars, over a six month period, last year in a futile effort to save my cat.

Thanks to my vet accepting CareCredit, I was able to spread my debt over 18 months, interest free, which helped me stay within my yearly budget last year.
by EyeYield
Mon Mar 09, 2015 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 152
Views: 14140

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

I'm sure that many of the Bogleheads who voted for 70 will actually do something else. That's an easy bet to win. Suppose 50 Bogleheads said they will show up at your house in one hour. They all intend to be there on time, but some encounter some sort of obstruction on their way and can't succeed w...
by EyeYield
Sun Mar 08, 2015 12:17 pm
Forum: Investing - Theory, News & General
Topic: interest rate increase looming. what you gonna do ?
Replies: 65
Views: 7142

Re: interest rate increase looming. what you gonna do ?

with interest rate expected to increase this year, what should be the strategy to handle that while our money is sitting in etfs/stocks ? I'll do the same thing I did Friday, watch my stocks, bonds and etf's take a hit, because of the perceived notion that companies will have to borrow money at a h...
by EyeYield
Fri Mar 06, 2015 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 152
Views: 14140

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

When I hit 70 - The reason? Rght now I know what my expenses are and can cover them with the dividends and distributions that my portfolio generates. In six and a half years I do not know what new expenses I may have and my portfolio may not be generating enough to cover them. So my policy is, go wi...
by EyeYield
Sun Feb 22, 2015 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: What age do you guys plan to retire?
Replies: 143
Views: 10377

Re: What age do you guys plan to retire?

I'll never retire. @63, Ive been unemployed for four years now though and will only work if a project comes my way that I can be passionate about. For me, being financially independent just means I can confidently say no. I prefer the reactions by society in general when I refer to myself as unemplo...
by EyeYield
Fri Feb 20, 2015 8:38 pm
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 182
Views: 14775

Re: SIGN PETITION FOR Jack Bogle's Presidential Medal of Fre

I would have thought that support among Bogleheads for signing this petition would be stronger and that the concensus would be that only good would come of signing up. I am baffled. Anybody has an explanation why this thread and signatures are straggling? I believe it's because most Bogleheads have...
by EyeYield
Mon Feb 16, 2015 10:09 pm
Forum: Forum Issues and Administration
Topic: Poll [Checking Local Chapters & Bogleheads Community forum]
Replies: 14
Views: 1251

Re: Poll

You might want to give it a try. You don't need to scroll through each post -- the posts are aggregated into threads so you are just scanning a list of threads. You can open the ones that look interesting and skip the others. One thing I like about the forum is the eclectic wisdom of its members, w...
by EyeYield
Mon Feb 16, 2015 9:23 pm
Forum: Forum Issues and Administration
Topic: Poll [Checking Local Chapters & Bogleheads Community forum]
Replies: 14
Views: 1251

Re: Poll

I read the forum by going to http://www.bogleheads.org which shows all threads in all forums sorted on time of last post. One can get to the same view by clicking on the compass point there in the upper left. Thus I see all titles to all threads in all forums all the time. To me, there is only one ...
by EyeYield
Mon Feb 16, 2015 8:47 pm
Forum: Forum Issues and Administration
Topic: Poll [Checking Local Chapters & Bogleheads Community forum]
Replies: 14
Views: 1251

Poll [Checking Local Chapters & Bogleheads Community forum]

My answer would be very rarely. I was recently alerted, by another member, to a thread there that I found to be very important and I wonder how many others may have missed it due to lack of interest in that section.
by EyeYield
Sat Feb 14, 2015 5:44 pm
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 182
Views: 14775

Re: SIGN PETITION FOR Jack Bogle's Presidential Medal of Fre

Who's Jack Bogle, what's an index fund, isn't Vanguard a disco club? Sadly, these are responses from the general American public, who are mostly unaware of the fact that a Presidential Medal of Freedom even exists. Now if Jack would only post a twerking video on youtube or have Kim Kardashian tweet ...
by EyeYield
Sun Jan 11, 2015 12:15 pm
Forum: Investing - Theory, News & General
Topic: What will be the biggest investment surprises of 2015?
Replies: 82
Views: 8830

Re: What will be the biggest investment surprises of 2015?

Rick Ferri and Larry Swedroe will agree on everything to do with investing and attempt to form their own firm, but it all goes south when they can't agree on a name.
by EyeYield
Wed Dec 24, 2014 6:38 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on real estate allocation and owning your home
Replies: 34
Views: 3981

Re: Thoughts on real estate allocation and owning your home

My opinion may change, but I considered my house an investment until I payed it off. Now I consider it an asset.
A plan B asset. If all else fails, an asset that I can reverse mortgage.
It never crossed my mind to consider my home as part of my REIT percentage. Two different sides of my brain.
FWIW
by EyeYield
Fri Dec 19, 2014 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: Help me understand taxes with non-retirement accounts
Replies: 29
Views: 2692

Re: Help me understand taxes with non-retirement accounts

You might want to reallocate incrementally over a few years. Doing it all in one year may put them in a higher tax bracket for that year.
by EyeYield
Sat Dec 13, 2014 12:50 pm
Forum: Investing - Theory, News & General
Topic: Is the collapse of oil price a "black swan"?
Replies: 106
Views: 12905

Re: Is the collapse of oil price a "black swan"?

Since "The Black Swan" was published, the term has become ubiquitous in financial debates and, for me at least, has lost it’s meaning.

Beware the Albino Black Swan! That's the event you really won't see coming. :)
by EyeYield
Tue Nov 25, 2014 8:38 pm
Forum: Investing - Theory, News & General
Topic: What would be the investing strategy for a coming crash?
Replies: 82
Views: 13332

Re: What would be the investing strategy for a coming crash?

Do you think it would have remained "flatlined" if not for the large increase of 401k dollars around 84'? Seems as though that is the time when 401k really started taking off. Could be that it might "flatline" again due to many not being able to contribute those large amounts of...
by EyeYield
Tue Nov 25, 2014 1:01 pm
Forum: Investing - Theory, News & General
Topic: What would be the investing strategy for a coming crash?
Replies: 82
Views: 13332

What would be the investing strategy for a coming Flatline?

There are always going to be extreme pessimists and optimists foretelling doom or utopia in the stock market. OP, That is incorrect. I don't know any extreme optimists. I have seen a few. I think there are many realists and then an unjustified number of extreme pessimists. http://stockcharts.com/fr...
by EyeYield
Fri Nov 14, 2014 9:29 pm
Forum: Investing - Theory, News & General
Topic: For the next year or so, why shouldn't we be in all-cash?
Replies: 54
Views: 7881

Re: For the next year or so, why shouldn't we be in all-cas

I have no doubt that interest rates will never rise - in my lifetime. Sounds silly, doesn't it? Kidding aside, there's more to investing than just maintaining a high top number through market gyrations. As you continue your reading you will come across the phrase, "don't just do something, sit ...

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