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Re: "You're invited to...." (nonsense talk and dinner)

I would only go to one of these "dinners" if VictoriaF would join me and be allowed to provide counterpoint to each line of the presentation. Of course this would be counter intuitive, since I would be too busy laughing to swallow very much; food or presentation. :D VictoriaF would not jo...
by EyeYield
Tue Oct 21, 2014 9:55 pm
 
Forum: Personal Consumer Issues
Topic: "You're invited to...." (nonsense talk and dinner)
Replies: 68
Views: 4183

Re: "You're invited to...." (nonsense talk and dinner)

I would only go to one of these "dinners" if VictoriaF would join me and be allowed to provide counterpoint to each line of the presentation. Of course this would be counter intuitive, since I would be too busy laughing to swallow very much; food or presentation. :D
by EyeYield
Tue Oct 21, 2014 9:24 pm
 
Forum: Personal Consumer Issues
Topic: "You're invited to...." (nonsense talk and dinner)
Replies: 68
Views: 4183

Re: 2nd Opinions on Bond Alternatives?

From the information you provided, I would rather take advice from you than from your "financial advisors". They want to sell you high commission products, because of the bond market "at the moment"? At 30 your allocation looks good to me. If you want to take some risk, do it in ...
by EyeYield
Sun Oct 19, 2014 9:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: 2nd Opinions on Bond Alternatives?
Replies: 35
Views: 2177

Re: Relatively new here. What did you do in 2008/09

However, I feel a little "gnoingggggg!"-cold-prickly every time I find myself typing the words Barclay's Aggregate Index. I felt that just reading your post. It brought back what I was feeling then. I didn't have time to think about it, fortunately. I was working on two tv shows and writi...
by EyeYield
Tue Oct 14, 2014 10:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Relatively new here. What did you do in 2008/09
Replies: 106
Views: 7027

Re: Why not 100% Stocks?

Oh, and, I'm in my 30's, not my 20's, so, essentially, you were wrong… I prefer to think I was right and you’re only speaking chronologically. :) Anyone who truly believes that they can see what’s ahead is truly {Deleted} …never mind. Let me ask you this. Have you reached the height of your intelli...
by EyeYield
Sun Oct 12, 2014 12:57 pm
 
Forum: Investing - Theory, News & General
Topic: Why not 100% Stocks?
Replies: 274
Views: 20881

Re: Why not 100% Stocks?

I swore I wouldn't read another one of these threads, but evidently I have no life. I think there is one very important fact that needs to be reveled in these threads and it was finally alluded to on the third page, by HomerJ, I believe. How old are you? When you have people in their twenties discus...
by EyeYield
Sun Oct 12, 2014 1:31 am
 
Forum: Investing - Theory, News & General
Topic: Why not 100% Stocks?
Replies: 274
Views: 20881

Re: Headed for a 300+ point loss today?

Holding all or most of your wealth in CDs is never, under ANY circumstance, the right thing to do. Never.

This assumes that you are aware of every possible circumstance, which is unknowable.
by EyeYield
Sat Oct 11, 2014 2:32 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 445
Views: 30481

Re: Headed for a 300+ point loss today?

I am 90%+ in CDs and I am worried this evening. .....Why Mother of my friend is a MD and she is also "conservative" and has most of her money in CDs as well. Unfortunately, physicians think they are avoiding lot of risk by investing in things like CDs...but they are unaware of the new/inc...
by EyeYield
Sat Oct 11, 2014 1:00 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 445
Views: 30481

Re: Headed for a 300+ point loss today?

Dow at 16,544.10 At the close of 10/10/2014 - 16,544.10 At the close of 12/31/2013 - 16,576.66 Now in negative territory for 2014, time to get ready for the upcoming hills, steady pace. Many hills (and valleys) this year. Dec. 31st 2013: All Time High - 16576.66 Feb. 3rd 2014 - 15372.91 -1203.75 Do...
by EyeYield
Fri Oct 10, 2014 7:50 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 445
Views: 30481

Re: Headed for a 300+ point loss today?

I follow Jack Bogle. "Keep some powder dry, markets regularly take 10-25% drops, giving investors an opportunity"
Paraphrasing from his appearance this morning.
I'm with ya Jack.
by EyeYield
Fri Oct 10, 2014 12:36 am
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 445
Views: 30481

Re: Is this smart?

If I don't have much money right now, would it be smart to open a target retirement fund and contribute to it until I have enough money to sell the fund and buy the funds individually? As I answered in your other thread, you don't need "enough" money. If the info was ignored because it wa...
by EyeYield
Thu Oct 09, 2014 11:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Is this smart?
Replies: 19
Views: 1396

Re: Poor mans portfolio

I had a friend in a similar situation and after some digging I talked to Fidelity who said if he opened a Roth and set up automatic deposits that the minimum could be waived and he could start with as itttle as $10. We were discussing a Spartan fund FUSEX, (an S&P 500 index fund) with an ER of ....
by EyeYield
Tue Oct 07, 2014 9:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Poor mans portfolio
Replies: 19
Views: 1730

Re: Read too many books... help untangle

So I have been a knee deep in books over the past month (and juxtaposing with what I read here) or so trying to plan a portfolio for post business exit and it seems I have thoroughly confused myself. It seems there is a lot of contradiction out there, but maybe I just see it as contradiction. It se...
by EyeYield
Sat Sep 27, 2014 1:49 pm
 
Forum: Investing - Theory, News & General
Topic: Read too many books... help untangle
Replies: 48
Views: 4078

Re: Holding Cash because Tried to time Market

I have started the reallocation but still have a lot of cash to place (it currently is in a savings account in the bank). Right now its about 70 stocks/30 bonds. I plan to continue to gradually put my cash in while retaining a cash emergency fund. I am going to put about 10% in the Vanguard Tax Exe...
by EyeYield
Fri Sep 19, 2014 1:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Holding Cash because Tried to time Market
Replies: 78
Views: 6596

Re: Holding Cash because Tried to time Market

The market hit an all time high on Feb 4th 2013, bursting through 14000. At that time I was, as I am today, trying to implore young college grads to open a Roth and start contributing regularly until retirement. A very large percent of them had the same feelings then as you do now and many are still...
by EyeYield
Thu Sep 18, 2014 9:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Holding Cash because Tried to time Market
Replies: 78
Views: 6596

Re: CalPERS Eliminates Hedge Fund Program

Of course there are other opinions too. http://www.latimes.com/opinion/op-ed/la-oe-0918-spangler-calpers-hedge-funds-20140917-story.html "However, at their heart, hedge funds are simply a way to access the talents of particular portfolio managers. An investment in a fund is not so much a genera...
by EyeYield
Thu Sep 18, 2014 1:08 pm
 
Forum: Investing - Theory, News & General
Topic: CalPERS Eliminates Hedge Fund Program
Replies: 44
Views: 2964

Re: CalPERS Eliminates Hedge Fund Program

"CalPERS' decision to sell its hedge fund holdings probably will be closely watched by other public pension systems. Over the last decade, many funds have been increasing their hedge fund stakes. But a growing number of public pension funds in California and other states are getting out of hedg...
by EyeYield
Tue Sep 16, 2014 1:12 pm
 
Forum: Investing - Theory, News & General
Topic: CalPERS Eliminates Hedge Fund Program
Replies: 44
Views: 2964

Re: POLL: What was the first stock you ever bought?

I started with 5 shares each in 5 DRIPs, but don't know the exact order, in the early '60's and still have them now. Allied Signal American Electric Power Coca Cola Merck Mobile Oil My life would be greatly changed if I selected others I was considering at the time. Think Eastern Air Lines, Montgome...
by EyeYield
Wed Sep 10, 2014 12:08 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: What was the first stock you ever bought?
Replies: 74
Views: 2937

Re: If you won the lottery, does boglehead thinking still wo

Yes, Boglehead thinking does still work. I would do what John Bogle has done and I would give most of it away to charity.
by EyeYield
Mon Sep 08, 2014 1:44 am
 
Forum: Investing - Theory, News & General
Topic: If you won the lottery, does boglehead thinking still work?
Replies: 39
Views: 2963

Re: Will Bill Gross beat the Total Bond Market Index?

I tried to answer the question by flipping a coin, but it landed on it's edge.
Gross was heads, if anybody cares.
by EyeYield
Tue Sep 02, 2014 6:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Will Bill Gross beat the Total Bond Market Index?
Replies: 57
Views: 5947

Re: Why invest in bonds?

BogleBoogie wrote:
EyeYield wrote:Can I assume that you're prepared to risk your future on a six year chart from twenty years ago?


Had to read this a few times, it's quite insightful! Nice.

Thanks. It seems the bogleheads have been trolled. The thread starter hasn't responded......again.
by EyeYield
Mon Sep 01, 2014 7:41 pm
 
Forum: Investing - Theory, News & General
Topic: Why invest in bonds?
Replies: 103
Views: 6598

Re: Why invest in bonds?

Can I assume that you're prepared to risk your future on a six year chart from twenty years ago?
by EyeYield
Sun Aug 31, 2014 4:04 pm
 
Forum: Investing - Theory, News & General
Topic: Why invest in bonds?
Replies: 103
Views: 6598

Re: 3MM Casino Jackpot

I'd take the lump sum, but I don't spend my spare time in a casino.
A gambler with a lump sum sounds dangerous.
by EyeYield
Fri Aug 29, 2014 9:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: 3MM Casino Jackpot
Replies: 10
Views: 1815

Re: Poll: How many own zero/few stocks?

I started investing before index funds existed. My portfolio is still mostly individual stocks but I am gradually liquidating them and shifting to index funds. Same here. When the index fund was first made available to the public, I was so fully entrenched in DRIP contributions, that I didn't notic...
by EyeYield
Fri Aug 29, 2014 8:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Sell off individual stocks?] How many own zero/few stocks?
Replies: 68
Views: 2807

Re: What 5 stocks can I own forever?

Forever? DeLorean Motor Co. of course. It's in the future right now, securing it's stock price forever, but when it comes back, it's going to be huge.
by EyeYield
Tue Aug 26, 2014 1:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: What 5 stocks can I own forever?
Replies: 58
Views: 4723

Re: S&P500 over 2000

The Wizard wrote:In the annual Bogleheads Contest, I suspect the bulk of estimates for S&P500 at the END of 2014 are below 2000.00.
Still 4 months remaining for it to revert back there...

How about a contest that estimates how long after 2000, will the financial porn industry start making 3000 predictions?
by EyeYield
Mon Aug 25, 2014 8:27 pm
 
Forum: Investing - Theory, News & General
Topic: S&P500 over 2000
Replies: 68
Views: 5573

Re: Why don't utilities get any praise

WHY DON'T UTILITIES GET ANY PRAISE For the same reason individual stocks don't. You could just as easily pick a stock that doesn't pay a dividend, but outperformed the indexes for 10 years, and take 3.5% from that every year during retirement and it may last you longer than the dividends. http://qu...
by EyeYield
Fri Aug 22, 2014 10:44 pm
 
Forum: Investing - Theory, News & General
Topic: Why don't utilities get any praise
Replies: 39
Views: 3836

Re: How the rich stay/get richer??

Aptenodytes wrote:Right -- Warren Buffett is rich, and staying rich, but his holdings pay no dividends.

Almost everything he owns pay dividends, in fact it's estimated that he made 62 mill in divs last year.
by EyeYield
Wed Aug 20, 2014 1:20 pm
 
Forum: Investing - Theory, News & General
Topic: [live off dividends?] How the rich stay/get richer??
Replies: 62
Views: 5080

Re: Goldman-Sachs: bonds to 4%, 6% stock returns

Never tell anyone outside the family what you're thinking.
by EyeYield
Tue Aug 19, 2014 5:56 pm
 
Forum: Investing - Theory, News & General
Topic: Goldman-Sachs: bonds to 4%, 6% stock returns
Replies: 20
Views: 2873

Re: What do you put in your safety deposit box?

1908-1911 baseball cards, gold, silver, rare coins, paper EE bonds and sentimental stuff.
by EyeYield
Wed Aug 13, 2014 1:54 am
 
Forum: Personal Finance (Not Investing)
Topic: What do you put in your safety deposit box?
Replies: 68
Views: 10927

Re: POLL: My home is worth less/more in 2014 than in 2007?

The same. Almost to the dollar. Although my neighborhood is "hot" by all local accounts, the Zillow estimate has it 15% above the actual value. I wish. Since April, Zillow has incrementally added over 100k to my property - insane.
by EyeYield
Mon Aug 11, 2014 7:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: My home is worth less/more in 2014 than in 2007?
Replies: 94
Views: 6004

Re: Dividend Strategy Ain't For Everyone

Aww, jeez.

CXBC - Reaking News - "Shares of XYZ rose 15% in after hours trading today after paying it's dividend and getting a strong buy rating from Finporn analyst Flubber Gasbag."

I agree with everybody, because everybody is right. He/she who sleeps at night wins.
by EyeYield
Fri Aug 08, 2014 10:12 pm
 
Forum: Investing - Theory, News & General
Topic: Dividend Strategy Ain't For Everyone
Replies: 149
Views: 11558

Re: When is a 3.75% load worth it?

If markets actually did the opposite of their past performance, which is up, longer term, we'd all be fighting a losing battle. As you point out, we're not talking about markets, but the performance of actively managed funds. I provided an example ^ and you'll learn of many more if you do some read...
by EyeYield
Thu Aug 07, 2014 11:56 am
 
Forum: Investing - Theory, News & General
Topic: When is a 3.75% load worth it?
Replies: 79
Views: 5574

Re: When is a 3.75% load worth it?

There are a dozen or so authors who have provided real world evidence within their writings and, as I'm sure you'll see, it's largely irrefutable. Check out some of the recommended books and papers in the Wiki. With a close examination of the literature, you will find the answers to most of your ot...
by EyeYield
Thu Aug 07, 2014 2:19 am
 
Forum: Investing - Theory, News & General
Topic: When is a 3.75% load worth it?
Replies: 79
Views: 5574

Re: When is a 3.75% load worth it?

The mantra around here of stay the course...guess what that course is based on? Past performance. Stay the course is more about buying and holding forever, while ignoring market fluctuations, not past performance. The research, that you say you haven't read, is worth reading. There are a dozen or s...
by EyeYield
Wed Aug 06, 2014 9:07 pm
 
Forum: Investing - Theory, News & General
Topic: When is a 3.75% load worth it?
Replies: 79
Views: 5574

Re: When is a 3.75% load worth it?

How about here? PIXAX (Pimco fundamental index plus A-shares, 3.75% load, 1.19% expense ratio) in orange, SP500 in blue: http://i1180.photobucket.com/albums/x410/dstp2/PIXAXvSP500vrefport2A_zpscfd1b553.jpg Like I said, nice chart, but it's only five years. I believe that you would be even more conv...
by EyeYield
Wed Aug 06, 2014 12:22 pm
 
Forum: Investing - Theory, News & General
Topic: When is a 3.75% load worth it?
Replies: 79
Views: 5574

Re: When is a 3.75% load worth it?

Nice chart, very smart man mamaging the fund. Reminds me of Bill Miller, another very smart man, who managed a fund, Legg Mason Value Trust - I believe, who beat the market for 15 years. Until he didn't and went virtually bust. It's been several months now that I have thought about Bill Gross and ho...
by EyeYield
Wed Aug 06, 2014 1:18 am
 
Forum: Investing - Theory, News & General
Topic: When is a 3.75% load worth it?
Replies: 79
Views: 5574

Re: What actions to take in a stock market crash?

1987, 2000 and 2008, I was working and reinvesting dividends, so I did nothing but add to my DRIPs and some to my IRA. Now retired, my AA is 60/20/20. 20% in cash is a drag on my total return, but I consider it crash insurance. 10% for 4 years of living expenses and 10% for rebalancing as necessary....
by EyeYield
Mon Aug 04, 2014 10:36 pm
 
Forum: Investing - Theory, News & General
Topic: What actions to take in a stock market crash?
Replies: 85
Views: 5753

Re: What to tell friends who think "it's all a scam"

The first answer here, which has been echoed, is the best one. This is a chance for you to get some education, so take notes. Have another drink and have your friend itemize his reasons why it's a scam. Then ask his advice on what you should do with the money you've saved. Does he recommend CD's or ...
by EyeYield
Mon Aug 04, 2014 9:26 pm
 
Forum: Investing - Theory, News & General
Topic: What to tell friends who think "it's all a scam"
Replies: 64
Views: 5838

Re: Dividend Strategy Ain't For Everyone

A dividend income strategy should be for everyone. Why invest if you're not going to get something in return? Dividend strategy needs to be defined, other than looking for individual stocks. The S&P 500 index consists of individual stocks that mostly pay dividends. The three fund portfolio is an...
by EyeYield
Fri Aug 01, 2014 10:01 pm
 
Forum: Investing - Theory, News & General
Topic: Dividend Strategy Ain't For Everyone
Replies: 149
Views: 11558

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: 3069

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: 12248

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: 3342

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: 3342

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: 3342

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: 12248

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: 12248

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: 12248

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: 12248

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: 4873
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