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Re: My MMF just distributed a LTCG

What's the point of holding money in a MMF earning 0.01% anyway?
by John3754
Fri Nov 28, 2014 8:36 am
 
Forum: Investing - Help with Personal Investments
Topic: My MMF just distributed a LTCG
Replies: 7
Views: 606

Re: stay the course

How about a link?
by John3754
Thu Nov 27, 2014 10:51 pm
 
Forum: Investing - Theory, News & General
Topic: stay the course
Replies: 6
Views: 815

Re: Determining profit from a bond fund

Forget about everything else for a second, you invested $2100, the current value $2234.83..if you want to know if you made money on this investment then isn't that all you need to know? If your account is showing a capital loss but you have more than you originally put in then that simply means the ...
by John3754
Wed Nov 26, 2014 10:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Determining profit from a bond fund
Replies: 4
Views: 652

Re: non US bonds - a new asset class?

Opinions vary, some say yes, some say no.
by John3754
Wed Nov 26, 2014 7:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: non US bonds - a new asset class?
Replies: 11
Views: 818

Re: Cashed EE Bonds to contribute to Roth, good move?

There are no fixed income instruments currently available that offer a yield as high as those bonds were giving you with so little risk. They were a valuable asset in my opinion.
by John3754
Wed Nov 26, 2014 6:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Cashed EE Bonds to contribute to Roth, good move?
Replies: 6
Views: 601

Re: Being woken up by neighbors above me

"Hey guys, this is going to sound crazy, but believe it or not I often get woken up in the morning when you guys are walking around getting ready for work. Would it be out of line to ask if you can just be mindful of that when you're walking around early in the morning?" If they are up ge...
by John3754
Wed Nov 26, 2014 1:48 pm
 
Forum: Personal Consumer Issues
Topic: Being woken up by neighbors above me
Replies: 70
Views: 3857

Re: Need for Int'l Investing

It doesn't surprise me at all, given the recent outperformance of domestic stocks over international stocks, that we're having this conversation here on a weekly basis. I suspect that if the opposite were true and international had beaten domestic recently, that these threads wouldn't exist. That sa...
by John3754
Tue Nov 25, 2014 9:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need for Int'l Investing
Replies: 12
Views: 1043

Re: What do you splurge on?

HIgh end sushi.
by John3754
Tue Nov 25, 2014 9:47 pm
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 150
Views: 9482

Re: Living below my means, means…

Take your argument to an extreme: Why not drive the cheapest possible car, live in the cheapest possible home/apartment, etc. Because I don't want to take it to an extreme, I don't want to drive the cheapest possible car, I don't want to live in the cheapest possible apartment, but I do want to liv...
by John3754
Tue Nov 25, 2014 8:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Living below my means, means…
Replies: 32
Views: 2584

Re: Living below my means, means…

Living below your means is a great idea! http://i61.tinypic.com/xta10.jpg http://www.thedacrons.com/eric/dogtown/babson_boulders_gloucester.php Not seeing anyone here (or pretty much anywhere on BH) defending "debt" (except maybe mortgage, but there's disagreement there, of course). What'...
by John3754
Tue Nov 25, 2014 7:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Living below my means, means…
Replies: 32
Views: 2584

Re: Living below my means, means…

Living below your means, means: - driving a Toyota when you could afford a Lexus - Living in a $250,000 home when you could afford a $500,000 home - Attending to a state school when you could afford a private school - Taking a domestic vacation when you could afford to vacation in a foreign country...
by John3754
Tue Nov 25, 2014 7:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Living below my means, means…
Replies: 32
Views: 2584

Re: Living below my means, means…

Living below your means, means: - driving a Toyota when you could afford a Lexus - Living in a $250,000 home when you could afford a $500,000 home - Attending to a state school when you could afford a private school - Taking a domestic vacation when you could afford to vacation in a foreign country...
by John3754
Tue Nov 25, 2014 7:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Living below my means, means…
Replies: 32
Views: 2584

Re: Living below my means, means…

Living below your means doesn't mean simply staying out of debt, if you have no debt but still live paycheck to paycheck then you are barely living within your means, not below your means.
by John3754
Tue Nov 25, 2014 7:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Living below my means, means…
Replies: 32
Views: 2584

Re: Vanguard Money Market Fund - keep open ?

Aside from their use as sweep accounts, money market funds are useless at current rates.
by John3754
Tue Nov 25, 2014 11:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Money Market Fund - keep open ?
Replies: 17
Views: 1488

Re: Vanguard Ultra-Short-Term Bond Fund coming in early 2015

I'd imagine that the yield this fund is going to offer will make it not worth considering when compared to a high yield savings account.
by John3754
Mon Nov 24, 2014 8:17 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Ultra-Short-Term Bond Fund coming in early 2015.
Replies: 39
Views: 4168

Re: Simple Question

Simple answer: Yes you should sell it.
by John3754
Mon Nov 24, 2014 8:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Simple Question
Replies: 3
Views: 368

Re: 23 year old... Can I afford a Rolex?

Reading this forum, one might incorrectly reach the conclusion that every purchase made was wrong, because you know, that $2 you spent to buy hot dogs at the grocery, if compounded at 8%, would be worth, $109, in 52 years (that's 70 - 18). So the best approach to living is to: (a) not buy any cloth...
by John3754
Sun Nov 23, 2014 1:50 pm
 
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 167
Views: 11295

Re: 23 year old... Can I afford a Rolex?

Why do you want a Rolex specifically? What will a $5,000 watch do for you that a $500 watch won't?
by John3754
Sat Nov 22, 2014 9:28 pm
 
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 167
Views: 11295

Re: how to make money like a billionaire

ArthurO, I have a question regarding your CD strategy and its ability to protect your wealth "floor". You said previously that since you will not purchase a CD yielding less than 3% that you're going to buy the vanguard 10 year brokered CD yielding 3.2%. So what happens if a few years from...
by John3754
Sat Nov 22, 2014 4:07 pm
 
Forum: Investing - Theory, News & General
Topic: how to make money like a billionaire
Replies: 116
Views: 9570

Re: Using Bond Funds for market pullbacks

What if the market goes up 20% before pulling back 15%, what have you then accomplished by increasing your equity allocation at that point? I am not sure I am following you on this, the pullback would be 15% from wherever the market was before. If the market went up 20% in 2015 and then promptly dr...
by John3754
Sat Nov 22, 2014 1:48 pm
 
Forum: Investing - Theory, News & General
Topic: Using Bond Funds for market pullbacks
Replies: 19
Views: 819

Re: Using Bond Funds for market pullbacks

What if the market goes up 20% before pulling back 15%, what have you then accomplished by increasing your equity allocation at that point?
by John3754
Sat Nov 22, 2014 1:13 pm
 
Forum: Investing - Theory, News & General
Topic: Using Bond Funds for market pullbacks
Replies: 19
Views: 819

Re: how to make money like a billionaire

ArthurO, You keep saying that CDs never lose principal, but in your other post you said you plan on buying a 10 year brokered CD, which can and will lose principal if/when rates rise. Care to comment on this inconsistency in your argument?
by John3754
Thu Nov 20, 2014 11:53 pm
 
Forum: Investing - Theory, News & General
Topic: how to make money like a billionaire
Replies: 116
Views: 9570

Re: how to make money like a billionaire

...don't confuse bond funds with CDs, bond funds although relatively safe do lose money, CDs never will lose their principal value, the only problem is rampant inflation and that's why you build a ladder with at least annual renewal... You posted recently about how you were thinking about buying a ...
by John3754
Thu Nov 20, 2014 8:09 pm
 
Forum: Investing - Theory, News & General
Topic: how to make money like a billionaire
Replies: 116
Views: 9570

Re: Jack Bogle: expect 7% annualized for the foreseeable fut

great, now jack bogle can predict future returns? I find this to be a good guess at best. In fairness, Jack Bogle is always very cautious to explain that what he is offering is just a reasonable estimate not a forecast or a prediction. He uses estimated long term earnings growth and the current div...
by John3754
Wed Nov 19, 2014 12:20 am
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle: expect 7% annualized for the foreseeable future
Replies: 42
Views: 6072

Re: Investing In Currency?

Is this investing, or speculation?
by John3754
Tue Nov 18, 2014 11:01 pm
 
Forum: Investing - Theory, News & General
Topic: Investing In Currency?
Replies: 33
Views: 2176

Re: VWAHX

Nope.
by John3754
Mon Nov 17, 2014 7:01 pm
 
Forum: Investing - Theory, News & General
Topic: VWAHX [Vanguard High-Yield Tax-Exempt Fund]
Replies: 6
Views: 906

Re: VWINX (Wellesley Inc.)

Wellesley is a fine fund, but the drawbacks compared to the three fund portfolio, in my opinion, are that its less diversified, it has manager risk, you're stuck with the asset allocation they choose, and it would not be tax efficient in a taxable account. I would ask you the opposite question, what...
by John3754
Sun Nov 16, 2014 9:04 pm
 
Forum: Investing - Theory, News & General
Topic: VWINX (Wellesley Inc.)
Replies: 44
Views: 4966

Re: Investing in IPOs / Risks, Warnings?

The participants have so far spoken of the large potential gains, indicating that only the initial capital is at risk. I like that..."only the initial capital is at risk"...in other words the "only" risk is that you lose all of the money you put into it. That seems like a fairly...
by John3754
Sun Nov 16, 2014 5:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in IPOs / Risks, Warnings?
Replies: 10
Views: 625

Re: Active or Not, I Love Wellington

Well it is another great year for Wellington (up 8.98% YTD ER 0.18% Admiral). To me this fund continues to demonstrate active management with low fees can work. Seriously is there any legit reason to avoid this fund with its very long history of success? People have said the same thing about many o...
by John3754
Sun Nov 16, 2014 12:41 pm
 
Forum: Investing - Theory, News & General
Topic: Active or Not, I Love Wellington
Replies: 53
Views: 5233

Re: Active or Not, I Love Wellington

I can think of a couple of reasons: I don't want a large cap value tilt, I don't want manger risk, it complicates rebalancing b/c it contains both stocks and bonds, and most of my investments are taxable and it would be less tax efficient.
by John3754
Sun Nov 16, 2014 11:57 am
 
Forum: Investing - Theory, News & General
Topic: Active or Not, I Love Wellington
Replies: 53
Views: 5233

Re: is 3.20% Vanguard brokered CD best deal around?

JamesSFO wrote:...PenFed will probably do its rate specials in December...


One can only hope...
by John3754
Sat Nov 15, 2014 8:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: is 3.20% Vanguard brokered CD best deal around?
Replies: 48
Views: 4323

Re: is 3.20% Vanguard brokered CD best deal around?

I haven't seen anything with a higher rate than that, but 10 years is a long time, a lot can happen in the markets in 10 years.
by John3754
Sat Nov 15, 2014 6:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: is 3.20% Vanguard brokered CD best deal around?
Replies: 48
Views: 4323

Re: Gold And Silver As A Currency Hedge?

Fiat currencies come and go but gold is forever. Gold doesn't rust or corrode and has a feel to it like no other metal. Gold doesn't need trust or faith to give it value and it can't be printed. What other commodity could replace gold for a world wide unite of exchange? People want gold yesterday, ...
by John3754
Sat Nov 15, 2014 4:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Gold And Silver As A Currency Hedge?
Replies: 125
Views: 10574

Re: Gold And Silver As A Currency Hedge?

Uncle Pennybags wrote:The first country's currency that is tied to gold will replace the dollar as THE reserve currency.


And you're basing this opinion on what information exactly?
by John3754
Sat Nov 15, 2014 10:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Gold And Silver As A Currency Hedge?
Replies: 125
Views: 10574

Re: Why own International at all?

Diversification.
by John3754
Fri Nov 14, 2014 7:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why own International at all?
Replies: 45
Views: 4019

Re: Expenses are ??

It means the more fees and taxes (aka expenses) you pay for your investments the worse your return is likely to be.
by John3754
Fri Nov 14, 2014 5:25 pm
 
Forum: Investing - Theory, News & General
Topic: Expenses are ??
Replies: 11
Views: 1665

Re: How Do You Use the VIX (Fear & Greed Index)?

I don't, it's noise and I ignore it.
by John3754
Thu Nov 13, 2014 8:40 am
 
Forum: Investing - Theory, News & General
Topic: How Do You Use the VIX (Fear & Greed Index)?
Replies: 15
Views: 1137

Re: 30% In International Stocks?

There's no correct answer to this question, opinions vary, but 30% is perfectly reasonable in my opinion. Jack Bogle recommends 0-20%, Vanguard recommend 20-40%, many recommend up to the market cap weight which is 50%, I myself currently have 40%. Nobody can tell the future so nobody knows which all...
by John3754
Wed Nov 12, 2014 3:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: 30% In International Stocks?
Replies: 59
Views: 5841

Re: Long Term Investing

If you don't what will you do with the money instead? What does your IPS say about this?
by John3754
Wed Nov 12, 2014 1:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Long Term Investing
Replies: 11
Views: 1174

Re: Mr Bogle - 20x p/e warning

People are very quick to over interpret things, Bogle saying that valuations are high, or as stated in the article, "the market is on the high side", is not the same thing as him saying "The P/E has hit 20 so now is the time to dump your stocks!". This is not market timing, it's ...
by John3754
Mon Nov 10, 2014 10:59 pm
 
Forum: Investing - Theory, News & General
Topic: Mr Bogle - 20x p/e warning
Replies: 22
Views: 3252

Re: What if....?

What if...people wrote more descriptive thread titles?

To answer your question...I would follow my IPS, rebalance if necessary, and stay the course with my chosen asset allocation.

What would you do?
by John3754
Mon Nov 10, 2014 5:06 pm
 
Forum: Personal Consumer Issues
Topic: What if your investable assets rise significantly?
Replies: 19
Views: 2106

Re: Do IBonds make sense living in a high inflation area

I might have missed it but one thing that I have not seen mentioned was that with the current low interest rates and the way the inflation component of the IBond is taxed that you will likely lose purchasing power if you hold them for several decades. True, but can you name a better alternative tha...
by John3754
Sun Nov 09, 2014 11:22 pm
 
Forum: Investing - Theory, News & General
Topic: Do IBonds make sense living in a high inflation area
Replies: 30
Views: 2983

Re: Whats the best index?

A total US stock market index offers more diversification than an S&P500 index, they track very closely though. If you added an extended market index to the S&P500 index you'd have all the holdings in the total market index. For further diversification you could add a total international sto...
by John3754
Sun Nov 09, 2014 3:23 pm
 
Forum: Investing - Theory, News & General
Topic: Whats the best index?
Replies: 14
Views: 1668

Re: Do IBonds make sense living in a high inflation area

How valuable that is depends on how predictable inflation is. For the past several decades--the entire time investors have been alive--we have had inflation that has been a) low, b) steady, and c) about the same as what has been expected. During this period of time, then, there has not been much va...
by John3754
Sat Nov 08, 2014 6:31 pm
 
Forum: Investing - Theory, News & General
Topic: Do IBonds make sense living in a high inflation area
Replies: 30
Views: 2983

Re: when will self-driving cars be a reality?

Self driving on the highway - 5-10 years. Totally self-driving everywhere - 20+ years. A self-driving car with a 5% error rate might literally prove fatal. A self-driving car with a 5% error rate will prove fatal. A self-driving car needs to have a 0.001% error rate or better. interesting takes. Ho...
by John3754
Sat Nov 08, 2014 4:18 pm
 
Forum: Personal Consumer Issues
Topic: when will self-driving cars be a reality?
Replies: 17
Views: 1148

Re: when will self-driving cars be a reality?

Not in your lifetime.
by John3754
Sat Nov 08, 2014 3:38 pm
 
Forum: Personal Consumer Issues
Topic: when will self-driving cars be a reality?
Replies: 17
Views: 1148

Re: Do IBonds make sense living in a high inflation area

hoops777 wrote:I do not see a better alternative in terms of risk so I my plan has been to continue to buy them,unless someone has a better option on the amazing boglehead forum :happy


Yup, that's my point, personally I don't think I bonds are perfect, but for what they provide I don't see a better alternative.
by John3754
Sat Nov 08, 2014 2:20 pm
 
Forum: Investing - Theory, News & General
Topic: Do IBonds make sense living in a high inflation area
Replies: 30
Views: 2983

Re: Do IBonds make sense living in a high inflation area

If you didn't buy I bonds with the money what would you do with it instead?
by John3754
Sat Nov 08, 2014 1:05 pm
 
Forum: Investing - Theory, News & General
Topic: Do IBonds make sense living in a high inflation area
Replies: 30
Views: 2983

Re: International Stock Index Potential

nelson1015 wrote:Considering this logic should I buy me some GDX too?


Apples to oranges. A broadly diversified low cost index fund vs an actively managed high expense sector fund.
by John3754
Sat Nov 08, 2014 9:47 am
 
Forum: Investing - Theory, News & General
Topic: International Stock Index Potential
Replies: 17
Views: 1643

Re: International Stock Index Potential

The clues are in dollar index Dow Jones FXCM Dollar Index. Because of currency strength, the gains in international are dwarfed. Also, this impacts large vs small cap inversely. Small caps rely more on local currency sales. Explain the VSS relative performance to total international. Apples to oran...
by John3754
Sat Nov 08, 2014 9:46 am
 
Forum: Investing - Theory, News & General
Topic: International Stock Index Potential
Replies: 17
Views: 1643
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