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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: 2499

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: 91
Views: 8318

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: 9330

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: 9330

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: 7521

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: 2271

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: 2271

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: 11319

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: 11319

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: 3914

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: 36410

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: 11319

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: 11319

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: 2264

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: 10179

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: 21892

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: 21892

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: 36410

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: 36410

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: 36410

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: 36410

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: 1458

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: 1861

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: 4431

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: 6739

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: 6739

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: 3219

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: 3219

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: 3032

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: 2999

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: 6107

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 6:41 pm
 
Forum: Investing - Theory, News & General
Topic: Why invest in bonds?
Replies: 103
Views: 6905

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 3:04 pm
 
Forum: Investing - Theory, News & General
Topic: Why invest in bonds?
Replies: 103
Views: 6905

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 8:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: 3MM Casino Jackpot
Replies: 10
Views: 1829

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 7:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Sell off individual stocks?] How many own zero/few stocks?
Replies: 68
Views: 2871

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 12:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: What 5 stocks can I own forever?
Replies: 58
Views: 4940

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 7:27 pm
 
Forum: Investing - Theory, News & General
Topic: S&P500 over 2000
Replies: 68
Views: 5667

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 9:44 pm
 
Forum: Investing - Theory, News & General
Topic: Why don't utilities get any praise
Replies: 39
Views: 3899

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 12:20 pm
 
Forum: Investing - Theory, News & General
Topic: [live off dividends?] How the rich stay/get richer??
Replies: 62
Views: 5200

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 4:56 pm
 
Forum: Investing - Theory, News & General
Topic: Goldman-Sachs: bonds to 4%, 6% stock returns
Replies: 20
Views: 2951

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 12:54 am
 
Forum: Personal Finance (Not Investing)
Topic: What do you put in your safety deposit box?
Replies: 68
Views: 11158

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 6:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: My home is worth less/more in 2014 than in 2007?
Replies: 94
Views: 6250

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 9:12 pm
 
Forum: Investing - Theory, News & General
Topic: Dividend Strategy Ain't For Everyone
Replies: 149
Views: 11852

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 10:56 am
 
Forum: Investing - Theory, News & General
Topic: When is a 3.75% load worth it?
Replies: 79
Views: 5682

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 1:19 am
 
Forum: Investing - Theory, News & General
Topic: When is a 3.75% load worth it?
Replies: 79
Views: 5682

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 8:07 pm
 
Forum: Investing - Theory, News & General
Topic: When is a 3.75% load worth it?
Replies: 79
Views: 5682

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 11:22 am
 
Forum: Investing - Theory, News & General
Topic: When is a 3.75% load worth it?
Replies: 79
Views: 5682

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 12:18 am
 
Forum: Investing - Theory, News & General
Topic: When is a 3.75% load worth it?
Replies: 79
Views: 5682

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 9:36 pm
 
Forum: Investing - Theory, News & General
Topic: What actions to take in a stock market crash?
Replies: 85
Views: 5903
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