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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 12:42 pm
 
Forum: Investing - Theory, News & General
Topic: My Strategy For A Market Crash
Replies: 14
Views: 2383

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 11:49 am
 
Forum: Investing - Theory, News & General
Topic: My Strategy For A Market Crash
Replies: 14
Views: 2383

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
Sun Mar 29, 2015 1:05 am
 
Forum: Investing - Theory, News & General
Topic: My Strategy For A Market Crash
Replies: 14
Views: 2383

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
Sat Mar 28, 2015 7:55 pm
 
Forum: Investing - Theory, News & General
Topic: My Strategy For A Market Crash
Replies: 14
Views: 2383

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
Thu Mar 19, 2015 12:40 am
 
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 133
Views: 9706

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
Sat Mar 14, 2015 1:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pet insurance?
Replies: 32
Views: 1915

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
Mon Mar 09, 2015 12:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 133
Views: 9706

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
Sun Mar 08, 2015 12:17 pm
 
Forum: Investing - Theory, News & General
Topic: interest rate increase looming. what you gonna do ?
Replies: 65
Views: 6229

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
Fri Mar 06, 2015 9:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 133
Views: 9706

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
Sun Feb 22, 2015 7:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age do you guys plan to retire?
Replies: 143
Views: 8873

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
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: 11598

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 10:09 pm
 
Forum: Forum Issues and Administration
Topic: Poll [Checking Local Chapters & Bogleheads Community forum]
Replies: 14
Views: 920

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 9:23 pm
 
Forum: Forum Issues and Administration
Topic: Poll [Checking Local Chapters & Bogleheads Community forum]
Replies: 14
Views: 920

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
Mon Feb 16, 2015 8:47 pm
 
Forum: Forum Issues and Administration
Topic: Poll [Checking Local Chapters & Bogleheads Community forum]
Replies: 14
Views: 920

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
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: 11598

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
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: 8241

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
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: 3750

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
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: 2651

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
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: 12428

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 8:38 pm
 
Forum: Investing - Theory, News & General
Topic: What would be the investing strategy for a coming crash?
Replies: 82
Views: 13058

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
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: 13058

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
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: 7688

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
Wed Nov 12, 2014 1:06 am
 
Forum: Investing - Help with Personal Investments
Topic: EE savings bonds for retirement
Replies: 31
Views: 2419

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 11, 2014 8:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: EE savings bonds for retirement
Replies: 31
Views: 2419

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
Tue Nov 04, 2014 12:43 pm
 
Forum: Personal Consumer Issues
Topic: "You're invited to...." (nonsense talk and dinner)
Replies: 108
Views: 12243

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 7:25 pm
 
Forum: Personal Consumer Issues
Topic: "You're invited to...." (nonsense talk and dinner)
Replies: 108
Views: 12243

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 7:11 pm
 
Forum: Investing - Theory, News & General
Topic: Christine Benz Interviews Bill Bernstein
Replies: 33
Views: 4067

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
Mon Nov 03, 2014 12:31 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 464
Views: 37236

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 8:55 pm
 
Forum: Personal Consumer Issues
Topic: "You're invited to...." (nonsense talk and dinner)
Replies: 108
Views: 12243

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 8:24 pm
 
Forum: Personal Consumer Issues
Topic: "You're invited to...." (nonsense talk and dinner)
Replies: 108
Views: 12243

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 8:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: 2nd Opinions on Bond Alternatives?
Replies: 35
Views: 2445

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 9:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Relatively new here. What did you do in 2008/09
Replies: 130
Views: 10569

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 11:57 am
 
Forum: Investing - Theory, News & General
Topic: Why not 100% Stocks?
Replies: 274
Views: 22888

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 12:31 am
 
Forum: Investing - Theory, News & General
Topic: Why not 100% Stocks?
Replies: 274
Views: 22888

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 1:32 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 464
Views: 37236

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 12:00 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 464
Views: 37236

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 6:50 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 464
Views: 37236

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
Thu Oct 09, 2014 11:36 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 464
Views: 37236

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 10:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Is this smart?
Replies: 19
Views: 1480

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 8:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Poor mans portfolio
Replies: 19
Views: 1894

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 12:49 pm
 
Forum: Investing - Theory, News & General
Topic: Read too many books... help untangle
Replies: 48
Views: 4736

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 12:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Holding Cash because Tried to time Market
Replies: 78
Views: 6846

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 8:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Holding Cash because Tried to time Market
Replies: 78
Views: 6846

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 12:08 pm
 
Forum: Investing - Theory, News & General
Topic: CalPERS Eliminates Hedge Fund Program
Replies: 44
Views: 3363

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 12:12 pm
 
Forum: Investing - Theory, News & General
Topic: CalPERS Eliminates Hedge Fund Program
Replies: 44
Views: 3363

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 11:08 am
 
Forum: Investing - Theory, News & General
Topic: POLL: What was the first stock you ever bought?
Replies: 74
Views: 3113

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 12:44 am
 
Forum: Investing - Theory, News & General
Topic: If you won the lottery, does boglehead thinking still work?
Replies: 39
Views: 3035

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 5:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Will Bill Gross beat the Total Bond Market Index?
Replies: 57
Views: 6216
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