Search found 352 matches

Go to advanced search

by EyeYield
Sun May 10, 2015 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Gold bars buying advise
Replies: 43
Views: 3681

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: 7943

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: 4040

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: 2825

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: 1985

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: 1985

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: 7489

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: 5927

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: 3548

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: 9570

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: 9570

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: 9570

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: 9570

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: 9570

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: 9570

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: 9570

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: 9570

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: 9570

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: 9570

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: 9570

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: 12905

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: 2098

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: 12905

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: 6612

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: 12905

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: 9437

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: 13216

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: 1103

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: 1103

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: 1103

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: 13216

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: 8497

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: 3844

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: 2670

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: 12671

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: 13203

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: 13203

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: 7797

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 ...
by EyeYield
Wed Nov 12, 2014 1:06 am
Forum: Investing - Help with Personal Investments
Topic: EE savings bonds for retirement
Replies: 31
Views: 2496

Re: EE savings bonds for retirement

I asked the same question a while ago and got laughed at. I'm laughing now. It was 1986 and I started buying 2 EE bonds each month and continued for 11 years. I will start cashing them in when I start Medicare and they will allow me to wait until I'm 76 to withdraw anything from my taxable account ...
by EyeYield
Tue Nov 11, 2014 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: EE savings bonds for retirement
Replies: 31
Views: 2496

Re: EE savings bonds for retirement

I asked the same question a while ago and got laughed at. I'm laughing now. It was 1986 and I started buying 2 EE bonds each month and continued for 11 years. I will start cashing them in when I start Medicare and they will allow me to wait until I'm 76 to withdraw anything from my taxable account t...
by EyeYield
Tue Nov 04, 2014 12:43 pm
Forum: Personal Consumer Issues
Topic: "You're invited to...." (nonsense talk and dinner)
Replies: 108
Views: 12539

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

I guess I'm pretty good at ignoring these things. I did get an invite from Fidelity last month, directly from my Rep, now that I check my notifications. I wouldn't mind going to one of these if the food was good and I had nothing better to do. I have NEVER been swayed by presentations or advertising...
by EyeYield
Mon Nov 03, 2014 7:25 pm
Forum: Personal Consumer Issues
Topic: "You're invited to...." (nonsense talk and dinner)
Replies: 108
Views: 12539

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

* B U M P * Am bumping this thread back up to see if anyone got this one from Fidelity in today's mail : Although me, and a guest, are cordially invited to attend a complimentary seminar at this "exclusive Fidelity event" there is absolutely no mention, not a word anywhere, about eats. Gr...
by EyeYield
Mon Nov 03, 2014 7:11 pm
Forum: Investing - Theory, News & General
Topic: Christine Benz Interviews Bill Bernstein
Replies: 33
Views: 4111

Christine Benz Interviews Bill Bernstein

I didn't see this posted yet, so pardon me if I missed it.

He thinks it's an interesting time to be looking at precious metals.
I do too.

Bernstein: Retirement Allocations for 3 Age Bands
http://www.morningstar.com/cover/videoc ... ?id=670230
by EyeYield
Mon Nov 03, 2014 12:31 pm
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 464
Views: 37466

Re: Headed for a 300+ point loss today?

Subsequent price action combined with a P&F double top breakout on Oct 28th with a 2410 price objective have reduced the accuracy of my previous forecast. "My forecast was good until things changed unexpectedly." I followed your forecast. You mean it was wrong? Dang! Funny! Life imita...
by EyeYield
Tue Oct 21, 2014 8:55 pm
Forum: Personal Consumer Issues
Topic: "You're invited to...." (nonsense talk and dinner)
Replies: 108
Views: 12539

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 8:24 pm
Forum: Personal Consumer Issues
Topic: "You're invited to...." (nonsense talk and dinner)
Replies: 108
Views: 12539

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
Sun Oct 19, 2014 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: 2nd Opinions on Bond Alternatives?
Replies: 35
Views: 2523

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
Tue Oct 14, 2014 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: Relatively new here. What did you do in 2008/09
Replies: 130
Views: 10778

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...

Go to advanced search