Search found 266 matches

Return to advanced search

Re: Bogle says: "Active mutual funds could disappear:

If Mr. Bogle is right then it could mean a lot of financial advisors will disappear.
by Jim180
Fri Apr 03, 2015 6:10 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle says: "Active mutual funds could disappear:
Replies: 28
Views: 3403

Re: Bear market warning sign

Now you'll have everyone in European and Emerging Market countries mad at you when their stocks plummet.
by Jim180
Tue Mar 31, 2015 6:20 pm
 
Forum: Investing - Theory, News & General
Topic: Bear market warning sign
Replies: 27
Views: 5158

Re: Why Funds Over ETFs?

Perhaps to discourage marketiming. Mutual funds ( especially Vanguard) have strict limits on how often an investor can buy or sell. ETF's have no trading limits to my knowledge.
by Jim180
Tue Mar 17, 2015 2:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why Funds Over ETFs?
Replies: 57
Views: 5494

Re: Where to purchase Windows? What version?

The most current version of windows is 8.1. Windows 10 is set to be released very soon. However when someone tries to upgrade to a newer version of windows on a computer that had an older version a person must be careful because sometimes an older machine may not be able to handle a newer version of...
by Jim180
Fri Mar 13, 2015 2:17 pm
 
Forum: Personal Consumer Issues
Topic: Where to purchase Windows? What version?
Replies: 32
Views: 2175

Re: What won't you pay with Credit Card?

The only things I use my credit card for are gas, and ordering things from Amazon.
by Jim180
Thu Mar 12, 2015 11:17 pm
 
Forum: Personal Consumer Issues
Topic: What won't you pay with Credit Card?
Replies: 77
Views: 8445

Ink Cartridges dry up on seldom used printer, any ideas?

I have a HP Deskjet printer for home use. It is the kind that uses the very small printer cartridges. I seldom print anything but since this is tax time I decided to print copies of my tax forms. As usual, the cartridge was dried up. Obviously it makes no sense to buy new cartridges each time I need...
by Jim180
Thu Mar 12, 2015 1:56 pm
 
Forum: Personal Consumer Issues
Topic: Ink Cartridges dry up on seldom used printer, any ideas?
Replies: 32
Views: 1779

Re: Proactively replace water heater?

I think you answered the key question to this decision when you said a major failure would cause thousands of dollars of damage. Get it replaced.
by Jim180
Sat Mar 07, 2015 10:47 am
 
Forum: Personal Consumer Issues
Topic: Proactively replace water heater?
Replies: 53
Views: 5185

Re: The QQQ fund?

Whatever you do, don't buy QQQ and Apple TOGETHER. Apple already makes up 15% of the QQQ shares so buying both would make you way too heavy in Apple.
by Jim180
Sun Feb 22, 2015 3:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: The QQQ fund?
Replies: 21
Views: 1770

Re: Why does 10-year T note price change daily?

Uncertainty about when the Fed will begin to raise rates, conflicting economic data, and volatility in stocks can all cause volatility in the 10-year Treasury price.
None of that should matter however to the long term investor.
by Jim180
Thu Feb 19, 2015 10:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Why does 10-year T note price change daily?
Replies: 3
Views: 452

Re: One stock

Well, it's got to be a company that provides a service or product(s) that cannot become obsolete in 20 years and almost a zero chance of bankruptcy. Many to choose from but I'll make a bet that people continue flying so I'll go with Boeing (BA).
by Jim180
Mon Feb 16, 2015 10:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: One stock
Replies: 35
Views: 2001

Re: Money market vs bonds

Waiting for things to settle down sounds like waiting till the market starts moving back toward record highs. If that's the case then selling is a mistake.
by Jim180
Sun Feb 01, 2015 2:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Money market vs bonds
Replies: 9
Views: 649

Re: Time for a new dentist?

I would stay with him as long as you are satisfied with the dental care you receive when you have a problem. Simply decline any services or products that he may try to sell you that you feel are not necessary.
by Jim180
Mon Jan 12, 2015 6:51 pm
 
Forum: Personal Consumer Issues
Topic: Time for a new dentist?
Replies: 38
Views: 4369

Re: What "actively" manged funds do you own?

I own Vanguard Short-Term Investment Grade (VFSNX), about 20% of portfolio. I also own DoubleLine Total Return (DLTNX), about 10% of portfolio.
by Jim180
Sat Dec 20, 2014 8:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: What "actively" managed funds do you own?
Replies: 82
Views: 5042

Re: How do you define "being rich"?

It's tough to define in terms of dollars because we don't know what kind of lifestyle an individual has. A person with a million dollars is not rich if they spend $100K/yr on their lifestyle. I think rich is when a person doesn't have to work unless they want to. I'm not talking about the 70 year ol...
by Jim180
Sat Dec 20, 2014 5:23 pm
 
Forum: Personal Consumer Issues
Topic: How do you define "being rich"?
Replies: 127
Views: 9672

Re: Vanguard High-Yield Corporate Bond Fund (VWEAX) ?

The Vanguard website still shows the fund with a +1.73% Total Return YTD. The drop in oil has raised default fears among energy companies. In 2008 the fund fell 21%. I consider that the worst case scenario. Things are not as bad as 2008.
by Jim180
Wed Dec 17, 2014 10:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard High-Yield Corporate Bond Fund (VWEAX) ?
Replies: 15
Views: 1677

Re: Any idea why my Columbia index funds are all way down to

If you want a quote on your funds today without the distribution then either use MSN Money or the Columbia Funds website.
by Jim180
Fri Dec 05, 2014 8:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Any idea why my Columbia index funds are all way down today?
Replies: 7
Views: 630

Re: Vanguard offers login security code

I follow Vanguard's low cost philosophy in other aspects of my life such as not having a cell phone. Just send me a token like Schwab does and I'd be happy.
by Jim180
Thu Dec 04, 2014 11:18 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard offers login security code
Replies: 124
Views: 19315

Re: Being woken up by neighbors above me

You must simply move out ASAP. You must get a home of your own. This is going to happen anytime you have to share a building with other people. There is no noise ordinance that would apply to footsteps, especially at 7 AM. I wouldn't even ask them to try to be more quiet. If you get them angry at yo...
by Jim180
Sat Nov 29, 2014 12:17 am
 
Forum: Personal Consumer Issues
Topic: Being woken up by neighbors above me
Replies: 79
Views: 6553

Re: Vanguard launches new offering ... [Vanguard merchandise

How long did it take to receive the items after your order? What state are they sent from? I ordered two days ago and have not yet received any email telling me my order is being processed. A charge has appeared on my credit card however. Do the items just arrive unexpected ?
by Jim180
Thu Nov 20, 2014 8:49 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 115
Views: 16167

Re: Bob Brinker portfolio

Could someone post all of bob Brinkers porfolios thank you I don't know if it is proper etiquette on this forum to give all the details of his portfolios so I'll make a few general statements. He is a big fan right now of the Vanguard Total Stock Fund on the equity side. He has very low duration bo...
by Jim180
Sun Nov 16, 2014 9:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bob Brinker portfolio
Replies: 45
Views: 8197

Re: Sell or repair car decision

Do you know much about these mechanics that you have spoken with about your problem? Have you ever had any of them do repair work for you before? There are some who suggest expensive repairs just to rip people off. The mechanics seem to be guessing based upon the symptoms you describe to them but wh...
by Jim180
Sun Nov 16, 2014 1:25 pm
 
Forum: Personal Consumer Issues
Topic: Sell or repair car decision
Replies: 23
Views: 3025

Re: 100% of [surveyed] economists were dead wrong about yiel

Bob Brinker was also wrong about yields , advising listeners and subscribers over a year ago to sell intermediate term bond funds and move everything to low duration bond funds. Since then his bond fund selections have grossly underperformed the TBM.
by Jim180
Fri Oct 24, 2014 11:33 pm
 
Forum: Investing - Theory, News & General
Topic: 100% of [surveyed] economists were dead wrong about yields
Replies: 33
Views: 4400

Why did my bond funds NAV change on Columbus Day?

Forgive my ignorance, but I noticed my bond funds NAV changed on Columbus Day even though the bond market was closed. Could someone explain why? If this is a perfectly normal occurrence then what is the significance of closing the bond market on Columbus Day?
by Jim180
Mon Oct 13, 2014 5:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why did my bond funds NAV change on Columbus Day?
Replies: 16
Views: 1613

Re: Clothes Dryer drying very slowly

I agree with the others that it's probably a clogged vent, however a faulty thermostat or heating element cannot be ruled out. Those parts can be tested with a multimeter. Replacement parts can be purchased. No need for a new dryer.
by Jim180
Sun Oct 12, 2014 2:53 pm
 
Forum: Personal Consumer Issues
Topic: Clothes Dryer drying very slowly
Replies: 24
Views: 2075

Re: Why does the stock market "always go up"? Will this pers

Because the stock market is all about the earnings of corporate America and companies will continue to grow earnings over time. Recessions occur along the way but are always followed by recoveries. Indexing most likely will always be the way to go because it's been proven that active management in m...
by Jim180
Sun Sep 07, 2014 10:35 pm
 
Forum: Investing - Theory, News & General
Topic: Why does the stock market "always go up"? Will this persist?
Replies: 42
Views: 4359

Re: MSN Article

I don't really buy into what the writer is saying. Sure, it may feel good to know a manager can move to cash while an index fund must remain fully invested but nobody can time the market consistently. A fund manager who is too defensive is going to miss a lot of upside. The fund mentioned in the art...
by Jim180
Wed Sep 03, 2014 11:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: MSN Article
Replies: 2
Views: 364

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

Not sure what is available in your 401K, but Jeffrey Gundlach appears to have dethroned Bill Gross as the "King of Bonds". If I'd want to choose an actively managed fund going forward I'd rather go with Gundlach.
by Jim180
Mon Sep 01, 2014 11:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Will Bill Gross beat the Total Bond Market Index?
Replies: 57
Views: 6231

Re: Vanguard Extended Duration Treasury ETF (EDV). Thoughts

I would definitely stay away. That ETF has a duration of 24.8 which means just a 1% increase in interest rates and you lose 24.8% in the NAV, a 2% increase in rates you lose 49.6% in NAV, etc. I don't know anyone willing to lose that much in bonds.
by Jim180
Mon Aug 25, 2014 6:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Extended Duration Treasury ETF (EDV). Thoughts?
Replies: 9
Views: 1273

Re: Summer indoor humidity levels

The humidity range you gave seems normal to me. If the unit can reach and maintain the desired indoor temperature when it's 90+ degrees outside then the size of the unit is large enough. If however your unit would run on short cycles on really hot days, then your unit would be too large. I don't thi...
by Jim180
Thu Aug 07, 2014 5:05 pm
 
Forum: Personal Consumer Issues
Topic: Summer indoor humidity levels
Replies: 18
Views: 1484

Re: Vanguard computer security

If I remember correctly , if the "cookie" is not found you must answer security questions so even if the hacker has your password they must also have the answers to your security questions.
by Jim180
Thu Aug 07, 2014 1:25 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard computer security
Replies: 67
Views: 4064

Re: High Yield Bonds - Uncorrelated to Stocks and Bonds?

I think there has to be a high correlation with HY bonds and stocks because they both depend on the same thing (a growing economy). When the economy is growing stocks do well and bond defaults are low. When we are in recession stocks suffer and bond defaults are much higher. Treasuries have a negati...
by Jim180
Thu Aug 07, 2014 1:14 pm
 
Forum: Investing - Theory, News & General
Topic: High Yield Bonds - Uncorrelated to Stocks and Bonds?
Replies: 73
Views: 5954

Re: When is a 3.75% load worth it?

I don't like the risk. The fund invests heavily in derivatives. I'd much rather have a fund that owns the common stock or bonds.
by Jim180
Tue Aug 05, 2014 11:41 pm
 
Forum: Investing - Theory, News & General
Topic: When is a 3.75% load worth it?
Replies: 79
Views: 5785

Re: Bond strategy resilient to rate increase

Making short term moves with bonds is marketiming and a losing strategy IMO. Bonds move at times other than Fed meetings. The bond market usually knows what the Fed is going to do even before the meetings take place. Maybe someone from the Fed will make a statement in an interview that moves bonds. ...
by Jim180
Mon Jul 21, 2014 1:30 pm
 
Forum: Investing - Theory, News & General
Topic: Bond strategy resilient to rate increase
Replies: 13
Views: 1655

Re: I was tempted to market time and didn't

You would have made 1% on Friday if you would have bought on Thursday. That means if you had $10K to invest you would have made $100. Investing $100K would have given you $1K. I wouldn't get too upset about missing such a small gain. Unless you had $500K or more to invest it's really just a drop in ...
by Jim180
Sat Jul 19, 2014 11:30 pm
 
Forum: Investing - Theory, News & General
Topic: I was tempted to market time and didn't
Replies: 19
Views: 1874

Re: If interest rates would ever reach double digits again

If interest is 15% and you buy some long bonds to lock in that wonderful rate, what is to stop the interest rate of rising to 20% and you get killed? If I hold the long bond to maturity I should not get killed, right? My thinking was that even if inflation is high at purchase as some suggest it cer...
by Jim180
Thu Jul 17, 2014 1:44 pm
 
Forum: Investing - Theory, News & General
Topic: If interest rates would ever reach double digits again
Replies: 36
Views: 3184

If interest rates would ever reach double digits again

I was interested what others would do with their investments if interest rates would ever reach double digits again like in the late 1970's and early 1980's. It would seem to me that a person could sell all stock market positions and simply buy 30 year Treasury Bonds since the interest rate in that ...
by Jim180
Thu Jul 17, 2014 11:17 am
 
Forum: Investing - Theory, News & General
Topic: If interest rates would ever reach double digits again
Replies: 36
Views: 3184

Re: Best Method to Sell a U.S. Coin Collection

I'd say a lot depends on whether you have rare old coins or just common old coins. If you have anything extremely rare and valuable an auction house might be interested. If not, you could try Ebay. You want to do research and find out what they are worth, perhaps by using some coin price guides. A c...
by Jim180
Fri Jun 27, 2014 6:51 pm
 
Forum: Personal Consumer Issues
Topic: Best Method to Sell a U.S. Coin Collection
Replies: 13
Views: 2155

Re: Nasdaq 100 - Why not ?

A year or two ago Apple made up a huge percentage of the Nasdaq 100. I'm not sure what the percentage is now. 100 stocks seems too concentrated to me although I realize some mutual fund managers might hold as few as 20-25 stocks their funds. I much prefer VTI in the world of ETF's.
by Jim180
Tue Jun 10, 2014 11:23 pm
 
Forum: Investing - Theory, News & General
Topic: Nasdaq 100 - Why not ?
Replies: 9
Views: 576

Re: ACA and Colonoscopy Costs

Back in January I had a Colonoscopy done. I had an office consultation before the procedure. I was charged for the office visit. In my case it was only a copay of $18. I am a retired Federal Employee so I was able to keep the same insurance I had when employed. My Gastroenterologist explained that t...
by Jim180
Wed May 21, 2014 1:55 pm
 
Forum: Personal Consumer Issues
Topic: ACA and Colonoscopy Costs
Replies: 6
Views: 787

Re: Home maintenance for a newbie

As for annual A/C maintenance, I would not have someone come out until it stopped cooling. I totally agree. One thing A/C techs always do at maintenance is test the refrigerant level. It sounds like a good idea but to do that he must connect his gauges to the access ports on the unit. I've heard th...
by Jim180
Sun May 18, 2014 11:48 pm
 
Forum: Personal Consumer Issues
Topic: Home maintenance for a newbie
Replies: 19
Views: 1944

Re: Home maintenance for a newbie

It would probably be a good idea to occasionally inspect the roof (maybe once a year). If the roof is steep let a pro do it. Replacing a cracked or missing shingle now can save a more costly repair later.
by Jim180
Sun May 18, 2014 10:01 pm
 
Forum: Personal Consumer Issues
Topic: Home maintenance for a newbie
Replies: 19
Views: 1944

Re: When To Buy Index Funds

If you want to move money that is already in stock funds into other stock funds, or bond funds into other bond funds, that is what is known as a "sideways" move. That can be done immediately. If you want to put some of the 50% cash into stock or bond funds you could dollar-cost average.
by Jim180
Wed Apr 09, 2014 3:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: When To Buy Index Funds
Replies: 4
Views: 993

Re: Bob Brinker portfolio

Where's the downside protection here? The other 50% of the portfolio is in equities. What happens to the entire portfolio in a bear market? In a bear market the whole portfolio would get hit hard. Bob Brinker has so much confidence however that he thinks his marketiming indicators would tell him wh...
by Jim180
Mon Mar 31, 2014 1:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bob Brinker portfolio
Replies: 45
Views: 8197

Re: Mobile Home Insurance

I'm guessing if OP's MH was on his own property sitting on a permanent foundation they would probably insure it as a permanent structure, and replacement cost would apply. You are correct. A doublewide on a permanent foundation is considered a "Modular" home as opposed to "Mobile&quo...
by Jim180
Fri Feb 28, 2014 9:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Mobile Home Insurance
Replies: 9
Views: 471

Re: Mobile Home Insurance

rec7 wrote:Just curious what did Mobile Home Insurance cost you? I am thinking about buying one.

My current coverage is A. Dwelling $50K, B. Other Related Structures $3,850, C. Personal Property $15,400, and D. Loss of Use $7.700.
The annual premium is $238.
by Jim180
Fri Feb 28, 2014 9:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Mobile Home Insurance
Replies: 9
Views: 471

Re: Mobile Home Insurance

Why should they replace a mobile home with 20 years wear & tear on it with a brand new one? I imagine you could find another 20 year old one to replace yours for 38K. edit: I lived in a mobile home from 1964-68 (51 x 10 with a tip out in the living room). Bought it brand new for $4,000 in 1964....
by Jim180
Fri Feb 28, 2014 12:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Mobile Home Insurance
Replies: 9
Views: 471

Mobile Home Insurance

I bought a doublewide mobile home that is about 20 years old. It sits on a rented lot. When trying to insure it my agent tells me I cannot purchase insurance for greater than what I payed which was $38K. I know mobile homes depreciate in value but I explained to him that if the home would be destroy...
by Jim180
Thu Feb 27, 2014 5:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mobile Home Insurance
Replies: 9
Views: 471

Re: Social Security Statement Now Online?

I get the strange message that it cannot create an account for me.
by Jim180
Thu Feb 27, 2014 12:04 am
 
Forum: Investing - Theory, News & General
Topic: Social Security Statement Now Online?
Replies: 32
Views: 3709

Re: Exit Strategy

I think an exit strategy is something only really needed by someone who is trying to time the markets.The long term investor only needs to sell when re-balancing or if their investment objectives change.
by Jim180
Sun Feb 23, 2014 11:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Exit Strategy
Replies: 8
Views: 1079

Re: Wow! Jim Cramer hates passive index investing

While Cramer's world may be individual stocks, he must realize it's not a strategy for the masses. Maybe a few people are successful with such a strategy, but I'd bet for each one that succeeds, nine others fail. It's sort of like the infomercials on flipping homes. A few may make money but most don...
by Jim180
Wed Feb 12, 2014 4:00 pm
 
Forum: Investing - Theory, News & General
Topic: Wow! Jim Cramer hates passive index investing
Replies: 52
Views: 5938
Next

Return to advanced search