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Re: Failed Surgery - Doctor not volunteering discount

Right, doesn't hurt to ask at all, and unfortunately many here choose not to read carefully - (not you) - of course there are not guarantees, but something came "undone" and he did not bother to fix it. The doctor choosing to "wait and see" is not at all the same thing as him &q...
by John3754
Thu Mar 26, 2015 12:27 pm
 
Forum: Personal Consumer Issues
Topic: Failed Surgery - Doctor not volunteering discount
Replies: 32
Views: 2339

Re: Dip? What Dip? Did you catch it?

Rebalancing has quite a lot to do with catching dips. It is unlikely that one would be out of balance without a significant change of market values. I've seen it often posted that if one has the money then one should not wait to invest it. So if you have the money why wait? I won't have the money u...
by John3754
Wed Mar 25, 2015 9:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dip? What Dip? Did you catch it?
Replies: 121
Views: 10303

Re: Why Bonds With 20 Year Horizon?

malabargold wrote:100% stock always have been and always will be.


How many years expenses do you hold in cash, and assuming you're not currently retired, how many years expenses do you plan to hold in cash in retirement? What percentage of your total liquid assets does this cash represent?
by John3754
Tue Mar 24, 2015 1:49 pm
 
Forum: Investing - Theory, News & General
Topic: Why Bonds With 20 Year Horizon?
Replies: 72
Views: 4997

Re: Whats a good Pistol to buy?

OldOne wrote:Revolver [or semi-automatic, depending on your personal preference.]


There, I fixed that quote for you. :wink:
by John3754
Mon Mar 23, 2015 8:32 pm
 
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 109
Views: 7667

Re: Restaurant tipping

I believe I have been financially blessed, and I'm quite certain that I'm in a much better financial situation than any waiter/waitress who has served me. It simply just doesn't feel right to look at someone much poorer than you, judge them, and punish them if they don't meet your expectations. It'...
by John3754
Mon Mar 23, 2015 7:23 pm
 
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 190
Views: 10496

Re: The one area I disagree with Jack

I totally disagree with Mr. Bogle on this... I am in favor of people taking their streams of income into account when deciding what their allocation should be. Those with a pension and SS can afford to take more risk. If they want to they can therefore be more aggressive than if they didn't have st...
by John3754
Sun Mar 22, 2015 9:41 am
 
Forum: Investing - Theory, News & General
Topic: The one area I disagree with Jack
Replies: 93
Views: 7268

Re: Whats a good Pistol to buy?

Petrocelli wrote:I'd get a shotgun. You won't miss.


This is a myth, at home defense ranges the spread of a shotgun is not that much, and shotguns can be more difficult for a novice to handle.
by John3754
Sat Mar 21, 2015 11:09 pm
 
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 109
Views: 7667

Re: The one area I disagree with Jack

You've stated that you don't agree with him but you didn't say why? Social security is a source of fixed income, is it not?
by John3754
Sat Mar 21, 2015 4:25 pm
 
Forum: Investing - Theory, News & General
Topic: The one area I disagree with Jack
Replies: 93
Views: 7268

Re: Whats a good Pistol to buy?

The OP has received a lot of good advice regarding getting training and learning the local laws. Here's my $0.02 on this subject...the conventional wisdom is that new shooters should always start on revolvers, but I have found this to not be universally true. I have experience helping multiple new s...
by John3754
Sat Mar 21, 2015 8:48 am
 
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 109
Views: 7667

Re: Restaurant tipping

Not too long ago 15% was considered a standard tip for standard quality service, now it seems that 20+% is considered standard. On one occasion when I received lousy service I left 15% and was chased out into the street and yelled at by the server for not leaving enough. I feel like I'm being held h...
by John3754
Sat Mar 21, 2015 8:44 am
 
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 190
Views: 10496

Re: John Bogle's Don't Peek Challenge

Deleted.
by John3754
Sat Mar 21, 2015 12:35 am
 
Forum: Investing - Theory, News & General
Topic: John Bogle's Don't Peek Challenge
Replies: 103
Views: 8536

Re: Dip? What Dip? Did you catch it?

Hey Livesoft, maybe next time an actionable dip is occurring you can bring our attention to it while it's happening so we can actually do something about it, rather than after when it's too late.
by John3754
Fri Mar 20, 2015 9:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Dip? What Dip? Did you catch it?
Replies: 121
Views: 10303

Re: Anyone concerned about their bond holdings?

Michael_Fisher1 wrote:are these long term?


TLT is.
by John3754
Thu Mar 19, 2015 10:37 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone concerned about their bond holdings?
Replies: 58
Views: 5582

Re: Anyone concerned about their bond holdings?

Michael_Fisher1 wrote:So which bond types are more susceptible to greater losses if there is a hike in interest? I currently own AGG, SHY, TLT and have a fidelity total bond mutual fund


If you're worried about interest rate risk then why are you holding long term bonds?
by John3754
Thu Mar 19, 2015 10:32 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone concerned about their bond holdings?
Replies: 58
Views: 5582

Re: >$250,000 portfolios with Vanguard? Insurance?

FYI, investment accounts such as those at Vanguard aren't covered by FDIC insurance at all, not a single cent.
by John3754
Thu Mar 19, 2015 1:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: >$250,000 portfolios with Vanguard? Insurance?
Replies: 19
Views: 2994

Re: Do you have and auto loan?

I buy used and pay cash.

That said, there were no 0% loans available last time I bought, if someone wanted to give me free money I'd take it.
by John3754
Thu Mar 19, 2015 11:38 am
 
Forum: Personal Finance (Not Investing)
Topic: [Poll] Do you have an auto loan?
Replies: 63
Views: 3448

Re: Anyone concerned about their bond holdings?

No I'm not concerned, not even a little.
by John3754
Thu Mar 19, 2015 10:45 am
 
Forum: Investing - Theory, News & General
Topic: Anyone concerned about their bond holdings?
Replies: 58
Views: 5582

Re: Interest rate hike signaled

For me, nothing. I will ignore the noise and stay the course.
by John3754
Wed Mar 18, 2015 1:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Interest rate hike signaled
Replies: 25
Views: 2217

Re: Any Vanguard Balanced Index Fund Diehards

I am not concerned with tax loss harvesting... If you're investing taxable money and you're not concerned with the concepts of tax efficiency and tax loss harvesting then you're likely leaving a significant amount of money on the table, especially when you take into account compounding over decades...
by John3754
Wed Mar 18, 2015 10:59 am
 
Forum: Investing - Theory, News & General
Topic: Any Vanguard Balanced Index Fund Diehards
Replies: 24
Views: 2937

Re: Downsides to holding a small cap growth/value fund

What would you do if you bought it and it underperformed the total market index for a decade?
by John3754
Tue Mar 17, 2015 5:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Downsides to holding a small cap growth/value fund
Replies: 3
Views: 333

Re: Any Vanguard Balanced Index Fund Diehards

1) Most of us invest in taxable accounts and this fund is not great for taxable as it is not tax efficient and it eliminates the ability to tax loss harvest the underlying components.

2) You are like a broken record. We get it, you like the balanced index fund.
by John3754
Tue Mar 17, 2015 11:57 am
 
Forum: Investing - Theory, News & General
Topic: Any Vanguard Balanced Index Fund Diehards
Replies: 24
Views: 2937

Re: John Bogle's Don't Peek Challenge

When it comes to looking at your investments I agree that less is generally more, however, it is recommended that you check your accounts periodically to ensure there is no fraudulent activity going on or that no mistakes have been made. Imagine not looking until you're ready for retirement and find...
by John3754
Mon Mar 16, 2015 10:12 am
 
Forum: Investing - Theory, News & General
Topic: John Bogle's Don't Peek Challenge
Replies: 103
Views: 8536

Re: Wisdom International Fund with low currency risk

Investing based on past performance is a bad idea. Paying higher fees is a bad idea.
by John3754
Sun Mar 15, 2015 9:24 pm
 
Forum: Investing - Theory, News & General
Topic: Wisdom International Fund with low currency risk
Replies: 2
Views: 264

Re: Buffett and Bogle almost on the same page

chessmannextmove wrote:Hard to argue against Warren Buffett.


90% stocks would be too volatile for most people to handle. There, I just argued against, and it wasn't that hard.
by John3754
Sat Mar 14, 2015 12:01 pm
 
Forum: Investing - Theory, News & General
Topic: Buffett and Bogle almost on the same page
Replies: 19
Views: 2050

Re: Best Vanguard Short Term Bond Fund

How about CDs, cash in a savings account, or I bonds?
by John3754
Fri Mar 13, 2015 11:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best Vanguard Short Term Bond Fund
Replies: 11
Views: 836

Re: Dip? What Dip? Did you catch it?

2b2 wrote:The only double dip that interests me is the one George Costanza performed.

2b2


From now on just take one dip and END IT!
by John3754
Thu Mar 12, 2015 8:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dip? What Dip? Did you catch it?
Replies: 121
Views: 10303

Re: Dip? What Dip? Did you catch it?

livesoft wrote:It was definitely not noise.


No, it definitely was normal background market noise that will not even be visible on a long term plot.

I'll agree to disagree.
by John3754
Thu Mar 12, 2015 8:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dip? What Dip? Did you catch it?
Replies: 121
Views: 10303

Re: Dip? What Dip? Did you catch it?

Ignore the noise.
by John3754
Thu Mar 12, 2015 8:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dip? What Dip? Did you catch it?
Replies: 121
Views: 10303

Re: Stock Market going south what's next?

Stay the course, ignore the noise, stop trying to predict the future, and stop trying to time the market. Those are my thoughts.
by John3754
Wed Mar 11, 2015 10:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Stock Market going south what's next?
Replies: 31
Views: 4002

Re: What are some common misconceptions found in this forum?

Precious metals are taxed at 28%.
by John3754
Wed Mar 11, 2015 10:46 am
 
Forum: Personal Finance (Not Investing)
Topic: What are some common misconceptions found in this forum?
Replies: 207
Views: 16427

Re: Using limit orders to buy low

This implies that you are holding cash out of the market waiting for a drop, this is proven not to work.
by John3754
Tue Mar 10, 2015 6:31 pm
 
Forum: Investing - Theory, News & General
Topic: Using limit orders to buy low
Replies: 11
Views: 868

Re: Will you buy an Apple Watch?

No I wont.
by John3754
Mon Mar 09, 2015 8:02 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 318
Views: 15879

Re: Loaning money to an only child

How would you feel if the loan became a gift? How would you feel if you loaned/gifted them the money and their situation didn't change/improve?
by John3754
Sun Mar 08, 2015 12:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Loaning money to an only child
Replies: 17
Views: 1408

Re: High Cost of Fruits and Vegetables

livesoft wrote:Many folks eat way too much...


If youre talking about hamburgers, oreos, and doritos then yes...if youre talking about vegetables, then no.

livesoft wrote:If you are hungry, then fill up on diet sodas and water. Obviously, this is not medical advice.


Obviously not, very obviously.
by John3754
Sun Mar 08, 2015 12:02 pm
 
Forum: Personal Consumer Issues
Topic: High Cost of Fruits and Vegetables
Replies: 126
Views: 6978

Re: Bonds, REITs, Utilities, Commodities and Stocks down - W

While true, and easy to say in retrospect, holding a bond fund that so highly correlates with stocks during a stock market melt down doesn't provide much psychological help when it comes to staying the course. It is true that the drawndown coincided for stocks and HY bonds in 2008 at approximately ...
by John3754
Sun Mar 08, 2015 1:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Bonds, REITs, Utilities, Commodities and Stocks down - Wow
Replies: 66
Views: 4252

Re: Anyone hold precious metal

I have 5% of my portfolio in gold - mostly Eagles and Maple Leafs but also some others for variety - when the market is down I buy from a quality online dealer to rebalance; when the market is up I take some coins out of my portfolio and put aside for the kids. How does one know when the market is ...
by John3754
Sat Mar 07, 2015 9:29 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone hold precious metal
Replies: 44
Views: 3340

Re: Can my friend retire at 30 with 800K saved?

Not really enough information to give a meaningful response in my opinion. How is the money invested? What are the projected yearly expenses/withdrawal rate given the worst case? How would she pay for health costs for her and her child/children? How about educational expenses?
by John3754
Sat Mar 07, 2015 2:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can my friend retire at 30 with 800K saved?
Replies: 19
Views: 2326

Re: Investing Costs

As far as I know, he's wrong, all costs are wrapped into the ER, or in a limited number of cases, the ER plus the purchase fee they charge.
by John3754
Sat Mar 07, 2015 2:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing Costs
Replies: 11
Views: 481

Re: Bonds, REITs, Utilities, Commodities and Stocks down - W

Rebalancing into stocks, REITs, and bonds. Did you rebalance yesterday? Or will you rebalance next week? You talk about rebalancing too much. Most people do not, and I would say should not, rebalance as often as you imply they should. What you seem to see as a rebalancing trigger most of us call ba...
by John3754
Sat Mar 07, 2015 1:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bonds, REITs, Utilities, Commodities and Stocks down - Wow
Replies: 66
Views: 4252

Re: Bonds, REITs, Utilities, Commodities and Stocks down - W

The high yield bond fund went from 6.05 to 6.04. Oh, the horror! lol During the financial crises, the high yield bond fund dropped under $4.00 a share. True, but by the end of 2009, the NAV was back up to 5.47, and the total return in 2009 was 39.09%. I'm sure you would agree with me that a true Bo...
by John3754
Sat Mar 07, 2015 11:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Bonds, REITs, Utilities, Commodities and Stocks down - Wow
Replies: 66
Views: 4252

Re: Anyone hold precious metal

dirtytough wrote:I think its a good thing to have around just in case.


Just in case of what?
by John3754
Sat Mar 07, 2015 10:36 am
 
Forum: Investing - Theory, News & General
Topic: Anyone hold precious metal
Replies: 44
Views: 3340

Re: Bonds, REITs, Utilities, Commodities and Stocks down - W

Rebalancing into stocks, REITs, and bonds. Did you rebalance yesterday? Or will you rebalance next week? You talk about rebalancing too much. Most people do not, and I would say should not, rebalance as often as you imply they should. What you seem to see as a rebalancing trigger most of us call ba...
by John3754
Sat Mar 07, 2015 10:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Bonds, REITs, Utilities, Commodities and Stocks down - Wow
Replies: 66
Views: 4252

Re: VEU 3.52% vs. 5 year Treasury 1.58%

This has nothing to do with chasing yield. It has to do with using the dividend yield of a broadly diversified index as a relative value metric. Mr. Bogle talks about using extreme valuations as indicators. What is the extreme valuation here, what do you believe it's indicating, and what do you kno...
by John3754
Tue Mar 03, 2015 8:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: VEU 3.52% vs. 5 year Treasury 1.58%
Replies: 29
Views: 1822

Re: VEU 3.52% vs. 5 year Treasury 1.58%

I never understood the utility of comparing bond yields to stock yields, seems like apples and oranges to me.
by John3754
Tue Mar 03, 2015 8:00 am
 
Forum: Investing - Help with Personal Investments
Topic: VEU 3.52% vs. 5 year Treasury 1.58%
Replies: 29
Views: 1822

Re: Oil & Vinegar

I'm surprised by all the recommendations to make your own, which sounds complicated to me (I note that most of the recipes posted in this thread contain several ingredients I don't currently have on hand). I often don't feel that I have time in the evenings to pull vegetables out of my refrigerator...
by John3754
Tue Mar 03, 2015 7:38 am
 
Forum: Personal Consumer Issues
Topic: Oil & Vinegar
Replies: 52
Views: 4058

Re: Oil & Vinegar

Kens Steak House Balsamic Vinaigrette Ingredients Canola Oil, Water, Balsamic Vinegar, Distilled Vinegar, Sugar, Salt, Garlic, Contains Less than 2% of: Onion, Spice, Xanthan Gum, Potassium Sorbate and Calcium Disodium EDTA as Preservatives, Paprika (Color). Here's the Kens Steak House that some pos...
by John3754
Mon Mar 02, 2015 9:49 pm
 
Forum: Personal Consumer Issues
Topic: Oil & Vinegar
Replies: 52
Views: 4058

Re: Oil & Vinegar

+1 Newman's Own Just for fun I looked up the ingredients: Ingredients: Vegetable Oil (Canola Oil and/or Soybean Oil, Extra Virgin Olive Oil), Water, Balsamic Vinegar, Distilled Vinegar, Sugar, Salt, Garlic, Spice, Onion, Red Bell Pepper, Xanthan Gum, Paprika (For Color) Serv. Size 2 Tbsp: Sodium 29...
by John3754
Mon Mar 02, 2015 9:38 pm
 
Forum: Personal Consumer Issues
Topic: Oil & Vinegar
Replies: 52
Views: 4058

Re: Oil & Vinegar

It will keep for 4-5 days, so don't make a huge batch, just what you think you will use in that time. What do you find happens after 4-5 days? For decades I've been making mine in larger batches and storing it on the counter at room temp for weeks and have never had an issue. There's nothing in it ...
by John3754
Mon Mar 02, 2015 12:34 pm
 
Forum: Personal Consumer Issues
Topic: Oil & Vinegar
Replies: 52
Views: 4058

Re: Oil & Vinegar

Bottled dressing are full of sugar, soybean oil, water, and other junk that I'm not interested in. It's very easy to make your own vinaigrette so that's what I do, I usually make a pint at a time and it lasts me a few weeks. I use balsamic vinegar, extra virgin olive oil, Dijon mustard (a natural em...
by John3754
Mon Mar 02, 2015 12:31 pm
 
Forum: Personal Consumer Issues
Topic: Oil & Vinegar
Replies: 52
Views: 4058

Re: rebalancing & purchasing when fear is present

I don't rebalance based on what the market is doing, I rebalance quarterly based on my target asset allocation.
by John3754
Sun Mar 01, 2015 5:39 pm
 
Forum: Investing - Theory, News & General
Topic: rebalancing & purchasing when fear is present
Replies: 8
Views: 455
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