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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: 14
Views: 1245

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: 4795

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: 12
Views: 1402

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: 10606

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: 5695

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: 10510

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: 5196

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: 5196

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: 5196

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: 5196

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: 5196

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: 5392

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: 5677

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: 10510

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: 2952

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: 12035

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: 3245

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: 3245

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: 3245

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: 12035

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: 12035

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: 12035

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: 12035

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: 4779

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: 6140

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: 6140

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: 1293

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: 2111

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: 514

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: 2293

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: 4235

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: 5100

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: 2918

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: 5203

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: 13348

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: 664

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: 8401

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: 8228

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: 4145

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: 901

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: 2574

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: 4346

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: 707

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: 884

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: 1992

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: 1297

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: 1297

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: 2696

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: 2774
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