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Re: Yes, 100% of economists were dead wrong about yields

Personally still waiting for the finish of the taper to see what happens but I use the recent dive under 2.2% to liquidate my Total Bond Fund holdings. Feel free to call me out in 6 months if it proves to be a bad move. Still have some inflation protected and international bond holdings.
by StarbuxInvestor
Thu Oct 23, 2014 6:56 pm
 
Forum: Investing - Theory, News & General
Topic: 100% of [surveyed] economists were dead wrong about yields
Replies: 21
Views: 2509

Re: Fidelity

My money is split between Vanguard and Fidelity. Besides the Wellington Fund, I cannot think of any real advantage Vanguard holds over Fidelity. On the other hand Fidelity has better customer service and a better web site imho. Besides low cost mutual funds Vanguard also offers 70 commission free iS...
by StarbuxInvestor
Thu Oct 23, 2014 6:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity
Replies: 8
Views: 867

Re: iPad Air 2 - 16 or 64 Gig?

A 64 gb Space Grey WiFi only just landed at my house.
by StarbuxInvestor
Thu Oct 23, 2014 2:54 pm
 
Forum: Personal Consumer Issues
Topic: iPad Air 2 - 16 or 64 Gig?
Replies: 24
Views: 1462

Re: Bogle and dry powder

Is he saying they are a good investment or just a psychological device to help you keep your emotions in check during the tough times? Personally I can't tell if it is one or the other or both or neither. Any thoughts about the actual meaning of Mr. Bogle "dry powder" comments and his fee...
by StarbuxInvestor
Thu Oct 23, 2014 12:03 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle and dry powder
Replies: 25
Views: 1460

Re: Bogle and dry powder

http://mb.clarkhoward.com/showthread.php?23745-Double-taxation-on-401k-loans-is-a-myth!&highlight=401+loan+double+taxed I agree with others that “anchor to windward” refers to stabilizing your ship in a storm and perhaps keeping it from running aground. That’s good advice for investing in the s...
by StarbuxInvestor
Thu Oct 23, 2014 11:37 am
 
Forum: Investing - Theory, News & General
Topic: Bogle and dry powder
Replies: 25
Views: 1460

Re: US Chip & Signature --> Chip & PIN 2020

iPhone users also tend to be the most affluent of all, with an average household income of $105,200, with Android trailing on that count with average income of $89,300. That’s a key metric for developers and brands looking to recoup the investment associated with creating software, since it stands ...
by StarbuxInvestor
Thu Oct 23, 2014 11:17 am
 
Forum: Personal Finance (Not Investing)
Topic: US Chip & Signature --> Chip & PIN 2020
Replies: 24
Views: 1266

Re: US Chip & Signature --> Chip & PIN 2020

I wonder how true that is, I know plenty of low-income people that use Apple products. With the number of iPhones Apple churns, their business wouldn't be sustainable if only higher-income customers could afford them. I will agree that iPhones are priced higher than the competition, but the real ex...
by StarbuxInvestor
Thu Oct 23, 2014 10:40 am
 
Forum: Personal Finance (Not Investing)
Topic: US Chip & Signature --> Chip & PIN 2020
Replies: 24
Views: 1266

Re: Why include International Index in AA?

Periods of underperform in solid ecomonies means buying shares cheaper then profiting from overperformance. So I take it you have been over-weighting International for some time now then? You and I must have different views of the European economy and demographics but for a while I did overweight I...
by StarbuxInvestor
Thu Oct 23, 2014 10:30 am
 
Forum: Investing - Theory, News & General
Topic: Why include International Index in AA?
Replies: 39
Views: 2443

Re: Bogle and dry powder

His post is not about using dry powder for INVESTMENT but for CONSUMPTION . He is describing an emergency fund that keeps you from worrying in the short run about your market position. The anchor to windward comment is interesting. the point of a SEA ANCHOR is to keep you pointed to windward. It ke...
by StarbuxInvestor
Thu Oct 23, 2014 9:50 am
 
Forum: Investing - Theory, News & General
Topic: Bogle and dry powder
Replies: 25
Views: 1460

Re: Bogle and dry powder

livesoft wrote:So is "Wet Powder" something like Total US Bond Index fund shares?


Perhaps your house if it is underwater.
by StarbuxInvestor
Thu Oct 23, 2014 9:45 am
 
Forum: Investing - Theory, News & General
Topic: Bogle and dry powder
Replies: 25
Views: 1460

Re: Bogle and dry powder

tphp99 wrote:I didn't know Dr. Bogle coined the term dry powder. To me, the term meant keeping a cash reserve to invest when you see an opportunity. But that's market timing, no?


I don't believe he did. And my understanding of the meaning of "dry powder" has always been the same as yours.
by StarbuxInvestor
Thu Oct 23, 2014 9:18 am
 
Forum: Investing - Theory, News & General
Topic: Bogle and dry powder
Replies: 25
Views: 1460

Re: Bogle and dry powder

I have seen Mr. Bogle's dry powder quotes a lot and his use of the term dry powder is a bit different than what I have heard from others. Having said that and looking at his quote below it makes me wonder what is he intending to say about bonds as an investment. Is he saying they are a good investm...
by StarbuxInvestor
Thu Oct 23, 2014 9:17 am
 
Forum: Investing - Theory, News & General
Topic: Bogle and dry powder
Replies: 25
Views: 1460

Bogle and dry powder

I have seen Mr. Bogle's dry powder quotes a lot and his use of the term dry powder is a bit different than what I have heard from others. Having said that and looking at his quote below it makes me wonder what is he intending to say about bonds as an investment. Is he saying they are a good investme...
by StarbuxInvestor
Thu Oct 23, 2014 8:59 am
 
Forum: Investing - Theory, News & General
Topic: Bogle and dry powder
Replies: 25
Views: 1460

Re: US Chip & Signature --> Chip & PIN 2020

Apple pay with single use numbers seem to be a winner to me. Here is one case where Apple may prove to have more marketing clout than Google in a very important way. Google Wallet which has been around for 3 years uses the single use number concept over NFC just as Apple Pay does. For one reason or...
by StarbuxInvestor
Thu Oct 23, 2014 8:46 am
 
Forum: Personal Finance (Not Investing)
Topic: US Chip & Signature --> Chip & PIN 2020
Replies: 24
Views: 1266

Re: Why include International Index in AA?

Aren't you just proving the point of why you should hold both - unless you know which one is going to perform better for the next decade... Indeed, sorry if I wasn't clear, but yes: my conclusion is that I should hold both (in my case I'm 50% US and 50% ex-US on the stock side). For all I know the ...
by StarbuxInvestor
Thu Oct 23, 2014 8:29 am
 
Forum: Investing - Theory, News & General
Topic: Why include International Index in AA?
Replies: 39
Views: 2443

Re: Any downside to a Fidelity i401k?

Fido offers the Spartan index funds which are very similar to the basic Vanguard funds we usually discuss. There is some difference in the Global except US (no small caps) but that fund is certainly adequate if you are at Fido. There is a cheaper class of these funds similar to the Admiral funds, b...
by StarbuxInvestor
Thu Oct 23, 2014 8:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Any downside to a Fidelity i401k?
Replies: 18
Views: 984

Re: US Chip & Signature --> Chip & PIN 2020

Apple pay with single use numbers seem to be a winner to me. Here is one case where Apple may prove to have more marketing clout than Google in a very important way. Google Wallet which has been around for 3 years uses the single use number concept over NFC just as Apple Pay does. For one reason or...
by StarbuxInvestor
Wed Oct 22, 2014 11:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: US Chip & Signature --> Chip & PIN 2020
Replies: 24
Views: 1266

Re: Why include International Index in AA?

I would say international matters quite a lot, as Nis knows ;) Maybe not in terms of volatility, but in other ways certainly. I didn't cherry-pick the below - I just went back 5 years, then went back 5 years ago, to the day. The past 5 years (return on 10K invested): 96% vs. 22% http://i.imgur.com/...
by StarbuxInvestor
Wed Oct 22, 2014 11:37 pm
 
Forum: Investing - Theory, News & General
Topic: Why include International Index in AA?
Replies: 39
Views: 2443

Re: US Chip & Signature --> Chip & PIN 2020

Apple pay with single use numbers seem to be a winner to me.
by StarbuxInvestor
Wed Oct 22, 2014 4:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: US Chip & Signature --> Chip & PIN 2020
Replies: 24
Views: 1266

Re: Any downside to a Fidelity i401k?

Thanks to this forum I discovered solo 401ks and mine is with Fidelity and I have been very pleased.
by StarbuxInvestor
Wed Oct 22, 2014 4:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Any downside to a Fidelity i401k?
Replies: 18
Views: 984

Re: Why include International Index in AA?

I've never been able to wrap my head around these kinds of arguments. So what if US companies do lots of business overseas? How is that an argument in favor of not investing in foreign companies? I don't invest in countries, I invest in companies. Samsung has been mentioned. Any reason you wouldn't...
by StarbuxInvestor
Wed Oct 22, 2014 3:59 pm
 
Forum: Investing - Theory, News & General
Topic: Why include International Index in AA?
Replies: 39
Views: 2443

Re: Why include International Index in AA?

The only reason I have ever heard that is logical considering multinationals exist here and abroad is for currency risk. http://www.cbsnews.com/news/why-international-diversification-is-important/ What about other factors besides just currency risk? Why hold Apple and not Samsung? Why hold Ford but...
by StarbuxInvestor
Wed Oct 22, 2014 2:44 pm
 
Forum: Investing - Theory, News & General
Topic: Why include International Index in AA?
Replies: 39
Views: 2443

Re: Why include International Index in AA?

The only reason I have ever heard that is logical considering multinationals exist here and abroad is for currency risk.

http://www.cbsnews.com/news/why-interna ... important/
by StarbuxInvestor
Wed Oct 22, 2014 12:58 pm
 
Forum: Investing - Theory, News & General
Topic: Why include International Index in AA?
Replies: 39
Views: 2443

Re: Leon Cooperman giving the same advice as Warren

Maybe or maybe not. For the most part I believe Warren Buffet stated his opinion but I know he is not going to give out all his secrets to the press but it could be a possibility. You gain a lot by having the right information. How Buffet and Berkshire invest is nothing an individual investor could...
by StarbuxInvestor
Wed Oct 22, 2014 12:57 pm
 
Forum: Investing - Theory, News & General
Topic: Leon Cooperman giving the same advice as Warren
Replies: 47
Views: 3217

Re: iPad Air 2 - 16 or 64 Gig?

One thing to consider. The operating system keeps getting larger. There is less of the 16 GB free to you for your apps than before. I had trouble installing ios8 on my phone for this very reason. With the increasing camera quality those pictures keep getting bigger! Plus they just added slo-mo and ...
by StarbuxInvestor
Wed Oct 22, 2014 8:29 am
 
Forum: Personal Consumer Issues
Topic: iPad Air 2 - 16 or 64 Gig?
Replies: 24
Views: 1462

Re: iPad Air 2 - 16 or 64 Gig?

I will be buying a 64 gig version. If you have any significant amount of music, videos or photos 16 will not be sufficient.
by StarbuxInvestor
Wed Oct 22, 2014 8:05 am
 
Forum: Personal Consumer Issues
Topic: iPad Air 2 - 16 or 64 Gig?
Replies: 24
Views: 1462

Re: Leon Cooperman giving the same advice as Warren

Nahum wrote:Warren Buffet and Leon Cooperman are worth billions. They can afford to have 100% stock portfolios, but not the average investor. Maybe they try to tip off the masses so they can benefit.


Are you saying that this advice from Buffet is given to somehow enrich himself?
by StarbuxInvestor
Wed Oct 22, 2014 8:03 am
 
Forum: Investing - Theory, News & General
Topic: Leon Cooperman giving the same advice as Warren
Replies: 47
Views: 3217

Re: Leon Cooperman giving the same advice as Warren

Indexes are artifical constructs designed to represent a group of stocks or segment of a market. The goal of index investor is to get near market returns on their equities with the market returns being represnted by an index. Whether that is achieve by a fund holding every stock in and index or a su...
by StarbuxInvestor
Wed Oct 22, 2014 7:56 am
 
Forum: Investing - Theory, News & General
Topic: Leon Cooperman giving the same advice as Warren
Replies: 47
Views: 3217

Re: Feeling very fortunate today!

What's the smile for... is the December 1st retirement back on since the markets are rebounding? No, just feeling good about the money I have put to work this past week. Don't know if it will be the best opportunity I will ever have because I can't see the future but know it was better putting it i...
by StarbuxInvestor
Tue Oct 21, 2014 6:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feeling very fortunate today!
Replies: 52
Views: 6132

Re: Leon Cooperman giving the same advice as Warren

Pretty much in line with where I have been moving for a year or so. Exception is I hold more than 1 index fund. For me setting aside X years of living expenses in a CD ladder or I Bonds then buying equities (especially on dips) has been a more attractive approach then buying an intermediate term bo...
by StarbuxInvestor
Tue Oct 21, 2014 3:12 pm
 
Forum: Investing - Theory, News & General
Topic: Leon Cooperman giving the same advice as Warren
Replies: 47
Views: 3217

Re: Feeling very fortunate today!

StarbuxInvestor Maybe I'm wrong......no, I'm probably wrong, but I think you're overthinking things. When it's the right time I think you will know it. But, until then I wouldn't post anymore dates. You're gonna get reamed, public forum and all. I wish you luck. Most likely very wise counsel but I ...
by StarbuxInvestor
Tue Oct 21, 2014 2:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feeling very fortunate today!
Replies: 52
Views: 6132

Re: Feeling very fortunate today!

What's the smile for... is the December 1st retirement back on since the markets are rebounding? No, just feeling good about the money I have put to work this past week. Don't know if it will be the best opportunity I will ever have because I can't see the future but know it was better putting it i...
by StarbuxInvestor
Tue Oct 21, 2014 2:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feeling very fortunate today!
Replies: 52
Views: 6132

Re: Write-off capital loss against capital gains?

I guess the question is what qualifies as investment property.
by StarbuxInvestor
Tue Oct 21, 2014 11:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Write-off capital loss against capital gains?
Replies: 27
Views: 1228

Re: Write-off capital loss against capital gains?

pshonore wrote:Isn't this a personal loss (just like sale of a home) and therefore not deductible?


I was wondering the same thing.
by StarbuxInvestor
Tue Oct 21, 2014 10:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Write-off capital loss against capital gains?
Replies: 27
Views: 1228

Re: "I've had it" at work - how often

It has happened, although less now than in the past. What has made it easier for me is having more money... I literally keep a year or more of living expenses in cash at all times. I have also found having a large emergency fund of living expenses to help. Knowing you could walk out if you want has...
by StarbuxInvestor
Tue Oct 21, 2014 10:28 am
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 151
Views: 12236

Re: Leon Cooperman giving the same advice as Warren

Pretty much in line with where I have been moving for a year or so. Exception is I hold more than 1 index fund. For me setting aside X years of living expenses in a CD ladder or I Bonds then buying equities (especially on dips) has been a more attractive approach then buying an intermediate term bon...
by StarbuxInvestor
Tue Oct 21, 2014 9:36 am
 
Forum: Investing - Theory, News & General
Topic: Leon Cooperman giving the same advice as Warren
Replies: 47
Views: 3217

Re: Why not 100% Stocks?

Problem is your house doesn't generate income and can't be partially sold. Add to that everyone needs to live somewhere whether it is your house, an apartment or your parents basement. Home equity is more prepaid rent than an investable asset. The only function mine has in my investment plan is to ...
by StarbuxInvestor
Mon Oct 20, 2014 7:58 pm
 
Forum: Investing - Theory, News & General
Topic: Why not 100% Stocks?
Replies: 274
Views: 20431

Re: Why not 100% Stocks?

Problem is your house doesn't generate income and can't be partially sold. Add to that everyone needs to live somewhere whether it is your house, an apartment or your parents basement. Home equity is more prepaid rent than an investable asset. The only function mine has in my investment plan is to ...
by StarbuxInvestor
Mon Oct 20, 2014 11:50 am
 
Forum: Investing - Theory, News & General
Topic: Why not 100% Stocks?
Replies: 274
Views: 20431

Re: DOW Watchers Stomach Syndrome

The entire loss in the DOW today is because of IBM and its heavy weighting (bad quarter). If you are going to watch an index I suggest the S&P 500 which will probably have a much greater correlation to your index funds than the DOW.
by StarbuxInvestor
Mon Oct 20, 2014 9:51 am
 
Forum: Investing - Theory, News & General
Topic: DOW Watchers Stomach Syndrome
Replies: 25
Views: 2082

Re: Why not 100% Stocks?

Problem is your house doesn't generate income Sure it does, just because you pay it to yourself doesn't change that. You could always rent it out and get a rental yourself. I really don't think the interest, taxes or upkeep are paying yourself. You could rent it out but then it isn't your home it i...
by StarbuxInvestor
Sun Oct 19, 2014 4:33 pm
 
Forum: Investing - Theory, News & General
Topic: Why not 100% Stocks?
Replies: 274
Views: 20431

Re: Why not 100% Stocks?

And I've noted that some of the posts trying to be witty as if counting kitchen utensils in the asset allocation is the problem haven't actually said if they own a house. If I had a house, I would have counted it in my bloated definition (I also forgot to include potential inheritance 20 years down...
by StarbuxInvestor
Sun Oct 19, 2014 1:53 pm
 
Forum: Investing - Theory, News & General
Topic: Why not 100% Stocks?
Replies: 274
Views: 20431

Re: Why not 100% Stocks?

And I've noted that some of the posts trying to be witty as if counting kitchen utensils in the asset allocation is the problem haven't actually said if they own a house. If I had a house, I would have counted it in my bloated definition (I also forgot to include potential inheritance 20 years down...
by StarbuxInvestor
Sun Oct 19, 2014 1:12 pm
 
Forum: Investing - Theory, News & General
Topic: Why not 100% Stocks?
Replies: 274
Views: 20431

Re: Anyone cancelling travel plans?

We are booked for a cruise Nov. 29 and frankly, we are wondering if its a good idea to be on a cruise ship with the current epidemic scare. We realize its a tiny probability, but still....being in a closed ship with several thousand strangers not knowing if there is a lurking contagion. Are we bein...
by StarbuxInvestor
Sun Oct 19, 2014 10:03 am
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 6241

Re: POLL: How fulfilling is your retirement?

ResearchMed wrote:Can this be changed to allow more than one response?

RM


You can now choose up to 4 options.
by StarbuxInvestor
Sun Oct 19, 2014 10:01 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How fulfilling is your retirement?
Replies: 34
Views: 2985

Re: POLL: How fulfilling is your retirement?

I'm 3 years into retirement. I like it a lot but must admit it was challenging in the first year. I have a passion--tennis-- and let most days come to me. One of the best parts is complete freedom and not having to follow a routine. I would say "I am living life on my terms". 👍 Reading yo...
by StarbuxInvestor
Sun Oct 19, 2014 9:56 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How fulfilling is your retirement?
Replies: 34
Views: 2985

POLL: How fulfilling is your retirement?

With everyone here laser focused on retirement in one way or another I thought finding out how it is from those actually in retirement would be useful.
by StarbuxInvestor
Sun Oct 19, 2014 9:09 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How fulfilling is your retirement?
Replies: 34
Views: 2985

Re: "I've had it" at work - how often

I get tired of the time demands of my job regularly but that has more to do with me being overcommitted in my life. That said I am financially in the best gig of my life and I work with a lot of very smart people. The environment can border on chaos but that is why they picked me. I get more tired o...
by StarbuxInvestor
Sat Oct 18, 2014 6:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 151
Views: 12236

Re: Why do people use age instead of life expectancy?

Age is based in reality while life expectancy is a fictitious construct. That said it does make more sense to view things from a years remaining perspective, we actual do this when we estimate the length of retirement. Although it would be depressing as hell watching my stock allocation act as a doo...
by StarbuxInvestor
Sat Oct 18, 2014 9:33 am
 
Forum: Investing - Theory, News & General
Topic: Why do people use age instead of life expectancy?
Replies: 43
Views: 2906

Re: Feeling very fortunate today!

Remember last summer or spring when Starbux started a thread about having won the game and being worried about losing half, or something along those lines? Now, he's lucky to get to add more stocks??? Starbux, I think you really need to set the course of, if you won the game stop playing. Or as men...
by StarbuxInvestor
Fri Oct 17, 2014 3:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feeling very fortunate today!
Replies: 52
Views: 6132
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