Search found 276 matches

by Jim180
Fri Jul 03, 2015 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: How to check annualized return
Replies: 15
Views: 1148

Re: How to check annualized return

Have you spoken with any Schwab rep for guidance? That would be the most obvious place to start.
by Jim180
Thu Jul 02, 2015 12:08 am
Forum: Investing - Help with Personal Investments
Topic: Bond Fund Dividends
Replies: 9
Views: 1666

Re: Bond Fund Dividends

I'm not an expert on bonds but it would seem to me that while an investor may feel shortchanged on dividends right now when yields start to rise, the long term investor will make up for it in the next cycle when yields start to fall again. If I understand bonds correctly then at that time investors ...
by Jim180
Fri Jun 12, 2015 3:49 pm
Forum: Investing - Theory, News & General
Topic: The 'Monday Effect'?
Replies: 50
Views: 7663

Re: The 'Monday Effect'?

joer1212 wrote:I have noticed that stocks tend to rise on Fridays and dip on Mondays.
I guess everyone knew that the first Friday after this post stocks would dip, not rise. We'll see what happens Monday.
by Jim180
Fri Jun 05, 2015 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Short term interest rates
Replies: 5
Views: 503

Re: Short term interest rates

When the Fed raises rates it will help things like CD's and MM funds. Stocks can also continue to rise. Raising short term rates will not cause a bear market in stocks unless they would raise too much too soon and then cause a recession. That is very unlikely since they already stated they would mov...
by Jim180
Tue May 19, 2015 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: Thrift Savings Plan and three-fund portfolio...
Replies: 22
Views: 1681

Re: Thrift Savings Plan and three-fund portfolio...

This quote is from the March 23, 2015 minutes of the Federal Retirement Thrift Investment Board: "Ms. Weaver reported that the committee report accompanying the House resolution offered examples of how such savings could occur, which included increased contributions to the defined benefit port...
by Jim180
Thu May 14, 2015 6:39 pm
Forum: Personal Consumer Issues
Topic: Is the Post Office slowing down First Class Parcel delivery?
Replies: 25
Views: 2732

Re: Is the Post Office slowing down first class parcel delivery?

The Postal Service has closed and consolidated a lot of mail processing plants to try and cut costs. The remaining plants have more mail than they can handle. They announced some time ago that they were lowering service standards on first class letter mail. So it is not surprising to hear that parce...
by Jim180
Sun May 03, 2015 7:59 pm
Forum: Personal Consumer Issues
Topic: Will you buy self-driving car?
Replies: 235
Views: 11632

Re: Will you buy self-driving car?

I will never buy one unless I'm forced to. I would feel LESS secure if the car was in total control. I always want some control in any situation that could mean life or death.
by Jim180
Thu Apr 23, 2015 10:06 pm
Forum: Investing - Theory, News & General
Topic: A Great List of Useless Financial Porn Phrases
Replies: 30
Views: 4444

Re: A Great List of Useless Financial Porn Phrases

I have to laugh when I hear someone say something like " I'm cautious in the short term, but long term I'm bullish".
Translation: " We could have a correction anytime but 20 years from now I think the market will be higher."
by Jim180
Tue Apr 21, 2015 5:10 pm
Forum: Personal Consumer Issues
Topic: Broken Oxygen Sensor on Car
Replies: 43
Views: 3485

Re: Broken Oxygen Sensor on Car

I had an O2 sensor replaced a couple of years ago for $212.00. The repair shouldn't have gone up in price that much, so $500 is high. I was told by a mechanic that my car would not pass inspection with the "check engine light" on.
by Jim180
Sat Apr 18, 2015 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Is this an index fund?
Replies: 16
Views: 1518

Re: Is this an index fund?

The dead giveaway is that it offers downside protection. No true index fund can offer downside protection. Only an annuity can do that, FOR A PRICE!
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: 3854

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
Tue Mar 31, 2015 6:20 pm
Forum: Investing - Theory, News & General
Topic: Bear market warning sign
Replies: 27
Views: 5530

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 17, 2015 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Why Funds Over ETFs?
Replies: 57
Views: 6284

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
Fri Mar 13, 2015 2:17 pm
Forum: Personal Consumer Issues
Topic: Where to purchase Windows? What version?
Replies: 32
Views: 2610

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
Thu Mar 12, 2015 11:17 pm
Forum: Personal Consumer Issues
Topic: What won't you pay with Credit Card?
Replies: 77
Views: 10108

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 1:56 pm
Forum: Personal Consumer Issues
Topic: Ink Cartridges dry up on seldom used printer, any ideas?
Replies: 32
Views: 2140

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
Sat Mar 07, 2015 10:47 am
Forum: Personal Consumer Issues
Topic: Proactively replace water heater?
Replies: 53
Views: 6021

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
Sun Feb 22, 2015 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: The QQQ fund?
Replies: 24
Views: 2402

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
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: 487

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
Mon Feb 16, 2015 10:17 pm
Forum: Investing - Help with Personal Investments
Topic: One stock
Replies: 35
Views: 2296

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
Sun Feb 01, 2015 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: Money market vs bonds
Replies: 9
Views: 745

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
Mon Jan 12, 2015 6:51 pm
Forum: Personal Consumer Issues
Topic: Time for a new dentist?
Replies: 38
Views: 4460

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
Sat Dec 20, 2014 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: What "actively" managed funds do you own?
Replies: 82
Views: 5436

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 5:23 pm
Forum: Personal Consumer Issues
Topic: How do you define "being rich"?
Replies: 127
Views: 10367

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
Wed Dec 17, 2014 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard High-Yield Corporate Bond Fund (VWEAX) ?
Replies: 15
Views: 1868

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
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: 655

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
Thu Dec 04, 2014 11:18 pm
Forum: Personal Consumer Issues
Topic: Vanguard offers login security code
Replies: 124
Views: 20283

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
Sat Nov 29, 2014 12:17 am
Forum: Personal Consumer Issues
Topic: Being woken up by neighbors above me
Replies: 79
Views: 6842

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
Thu Nov 20, 2014 8:49 pm
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 115
Views: 16457

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
Sun Nov 16, 2014 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: Bob Brinker portfolio
Replies: 45
Views: 8951

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 1:25 pm
Forum: Personal Consumer Issues
Topic: Sell or repair car decision
Replies: 23
Views: 3139

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
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: 4482

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
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: 1669

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
Sun Oct 12, 2014 2:53 pm
Forum: Personal Consumer Issues
Topic: Clothes Dryer drying very slowly
Replies: 24
Views: 2183

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 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: 4810

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
Wed Sep 03, 2014 11:28 pm
Forum: Investing - Help with Personal Investments
Topic: MSN Article
Replies: 2
Views: 387

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
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: 6468

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 Aug 25, 2014 6:12 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Extended Duration Treasury ETF (EDV). Thoughts?
Replies: 9
Views: 1377

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
Thu Aug 07, 2014 5:05 pm
Forum: Personal Consumer Issues
Topic: Summer indoor humidity levels
Replies: 18
Views: 1682

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 1:25 pm
Forum: Investing - Theory, News & General
Topic: Vanguard computer security
Replies: 67
Views: 4249

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 1:14 pm
Forum: Investing - Theory, News & General
Topic: High Yield Bonds - Uncorrelated to Stocks and Bonds?
Replies: 73
Views: 6327

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
Tue Aug 05, 2014 11:41 pm
Forum: Investing - Theory, News & General
Topic: When is a 3.75% load worth it?
Replies: 79
Views: 6114

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
Mon Jul 21, 2014 1:30 pm
Forum: Investing - Theory, News & General
Topic: Bond strategy resilient to rate increase
Replies: 13
Views: 1688

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
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: 1922

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
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: 3253

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 11:17 am
Forum: Investing - Theory, News & General
Topic: If interest rates would ever reach double digits again
Replies: 36
Views: 3253

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
Fri Jun 27, 2014 6:51 pm
Forum: Personal Consumer Issues
Topic: Best Method to Sell a U.S. Coin Collection
Replies: 13
Views: 2202

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
Tue Jun 10, 2014 11:23 pm
Forum: Investing - Theory, News & General
Topic: Nasdaq 100 - Why not ?
Replies: 9
Views: 635

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
Wed May 21, 2014 1:55 pm
Forum: Personal Consumer Issues
Topic: ACA and Colonoscopy Costs
Replies: 6
Views: 812

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
Sun May 18, 2014 11:48 pm
Forum: Personal Consumer Issues
Topic: Home maintenance for a newbie
Replies: 19
Views: 1995

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...

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