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Re: Am I making a mistake being too conservative?

You have won the game as long as you making money and invest in an intelligent conservative manor.Right now you are at halftime but there is a reason they play all 4 quarters.Right now you are up 25 at the half.Watch the last 5 minutes of the Seattle/Green Bay game played Sunday and see why one shou...
by hoops777
Tue Jan 20, 2015 11:00 pm
 
Forum: Investing - Theory, News & General
Topic: Am I making a mistake being too conservative?
Replies: 58
Views: 7436

Re: Am I making a mistake being too conservative?

Maybe it is just me but I think a major factor is how much money you are making in your business.You have to be making a good six figure income and saving a large sum of money each year.That being the case it can really affect how you look at your investments and your allocation.It certainly is diff...
by hoops777
Sun Jan 18, 2015 11:35 pm
 
Forum: Investing - Theory, News & General
Topic: Am I making a mistake being too conservative?
Replies: 58
Views: 7436

Re: Short term bonds in rising interest rates?

Thanks.....just wanted to confirm what appeared to be obvious :happy
by hoops777
Fri Jan 16, 2015 11:04 pm
 
Forum: Investing - Theory, News & General
Topic: Short term bonds in rising interest rates?
Replies: 26
Views: 2559

Re: Short term bonds in rising interest rates?

What if you do not need the money until you start your RMD's in 8 years and your bond funds will be the main source of the RMD's?Foolish to have it in short term in this case?
by hoops777
Thu Jan 15, 2015 10:27 pm
 
Forum: Investing - Theory, News & General
Topic: Short term bonds in rising interest rates?
Replies: 26
Views: 2559

Re: 3%, 10-year CD bought today

I put a lot into a 10 yr at 3.4 a year ago.It is now a 9 year yielding 3.4 in my IRA .I am happy with it and it passes the sleep test for me.I reinvest the interest every 6 months in an intermediate bond fund.I do wish it was not brokered for that reason alone.
by hoops777
Thu Jan 15, 2015 10:22 pm
 
Forum: Investing - Theory, News & General
Topic: 3%, 10-year CD bought today
Replies: 35
Views: 3369

Re: WHY is retirement enjoyable / something to look forward

Maybe because I have lived here my entire life,but I have never thought of Calif as being overly stressful.But looking at it from a different viewpoint.....the 8th largest economy in the world,traffic,almost 40 million people.....hmmmmm?....Of course a lot depends on where you live and work.Pretty a...
by hoops777
Sun Jan 11, 2015 7:12 pm
 
Forum: Personal Consumer Issues
Topic: WHY is retirement enjoyable / something to look forward to?
Replies: 237
Views: 20017

Re: WHY is retirement enjoyable / something to look forward

It would be interesting to know if there is a difference in people wanting to retire more based on where they live.Maybe working in Calif is more desirable than somewhere with cold winters and the hassles of bad weather.
by hoops777
Sun Jan 11, 2015 1:00 pm
 
Forum: Personal Consumer Issues
Topic: WHY is retirement enjoyable / something to look forward to?
Replies: 237
Views: 20017

Re: WHY is retirement enjoyable / something to look forward

If you have been a successful person managing people,running a business,whatever in your working life you can certainly find something to interest you in retirement.Of course where you choose to live can make a huge difference in the amount of opportunities to get involved in organizations.I know a ...
by hoops777
Sat Jan 10, 2015 6:12 pm
 
Forum: Personal Consumer Issues
Topic: WHY is retirement enjoyable / something to look forward to?
Replies: 237
Views: 20017

Re: Vanguard cd question [Brokered CDs]

I bought a significant amount last year in my IRA and feel pretty good right now.Time will tell if it was a major blunder or a stroke of genius :D
by hoops777
Sat Jan 10, 2015 1:26 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard cd question [Brokered CDs]
Replies: 47
Views: 6268

Re: Vanguard cd question [Brokered CDs]

Would anyone buy a 10 yr brokered cd at 3.4 if offered today?
by hoops777
Fri Jan 09, 2015 5:51 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard cd question [Brokered CDs]
Replies: 47
Views: 6268

Re: WHY is retirement enjoyable / something to look forward

I may be wrong but I believe it is about freedom and complete control of your life.As long as you work you do not have it 100pct. I often tell myself I have it great because of owning my own business and having no one telling what to do.I set my schedule,wear a tshirt and shorts to work,etc.....but ...
by hoops777
Fri Jan 09, 2015 11:44 am
 
Forum: Personal Consumer Issues
Topic: WHY is retirement enjoyable / something to look forward to?
Replies: 237
Views: 20017

Re: SlingTV

Come on over Moonorb but the plane fares might be a little more than a few months of cable....unless of course you have your own moonorb spaceship and if so I live across the street from a park and there is plenty of landing space :D
by hoops777
Fri Jan 09, 2015 11:10 am
 
Forum: Personal Consumer Issues
Topic: SlingTV
Replies: 47
Views: 3977

Re: SlingTV

You are right Moonorb.I was only trying to make the point that tv is a great value price wise vs the alternatives.What one enjoys is a personal preference with no right or wrong. :sharebeer
by hoops777
Thu Jan 08, 2015 2:21 pm
 
Forum: Personal Consumer Issues
Topic: SlingTV
Replies: 47
Views: 3977

Re: WHY is retirement enjoyable / something to look forward

Avenger...You must have a whole lot of paid time off...nice job 8-)I would imagine most people would enjoy their time off work if they could go on two international trips and six to eight trips in the USA on paid vacation?You must be in either the House or Senate :D
by hoops777
Thu Jan 08, 2015 12:18 pm
 
Forum: Personal Consumer Issues
Topic: WHY is retirement enjoyable / something to look forward to?
Replies: 237
Views: 20017

Re: WHY is retirement enjoyable / something to look forward

You own your time and your life.Come and go as you please.Go on a vacation or volunteer.It is the ultimate personal freedom of choice.....especially if you are fortunate enough to have enough money to do what you want.Of course if you are married this is probably not completely accurate.Even owning ...
by hoops777
Thu Jan 08, 2015 12:13 pm
 
Forum: Personal Consumer Issues
Topic: WHY is retirement enjoyable / something to look forward to?
Replies: 237
Views: 20017

Re: Buffett quote of the day: Market is a "Drunken Psycho"

Buffet is not a boglehead.He is a different species from anyone on this thread.He recommends the common folk like us to buy an index fund because we are not buying any companies like him.He is as close to common folk as a bizzillionaire can be though :D
by hoops777
Thu Jan 08, 2015 11:56 am
 
Forum: Investing - Theory, News & General
Topic: Buffett quote of the day: Market is a "Drunken Psycho"
Replies: 12
Views: 2809

Re: SlingTV

I understand your points.My point is tv is very cheap compared to the cost of going out and attending a game,play,concert,movie or a paid lecture.When you factor in the unbelievable amount of entertainment,sports,information and educational programs and that they can be recorded and watched at your ...
by hoops777
Thu Jan 08, 2015 11:44 am
 
Forum: Personal Consumer Issues
Topic: SlingTV
Replies: 47
Views: 3977

Re: SlingTV

I always get a kick out of people complaining about the high cost of cable or Directv,etc.It can cost how much to go to a play,concert or live sporting event?It cost over 20 bucks to go to a movie for two people without a discount ticket.For the monthly costs If you look at it a different way it is ...
by hoops777
Wed Jan 07, 2015 10:59 pm
 
Forum: Personal Consumer Issues
Topic: SlingTV
Replies: 47
Views: 3977

Re: Poll: Do you own I Bonds?

As others have said,I look at the recent ones as a short term bond fund and the ones bought back long ago with a rate of 3 as good fortune in todays reality.Unfortunately we only bought one time back then but you could buy 30K so I am happy with that.The 30K has finally doubled so we have about 18 y...
by hoops777
Tue Jan 06, 2015 8:11 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Do you own I Bonds?
Replies: 62
Views: 5448

Re: Yet another study on why not to buy long term care insur

I live in Calif as well and I will do a little more research.My agent clearly stated that it was illegal for a home to kick you out once your LTCI and funds were exhausted.He also stated very clearly how important it was to put our house in the healthy spouses name.As long as the premiums stay reaso...
by hoops777
Mon Jan 05, 2015 12:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Yet another study on why not to buy long term care insurance
Replies: 61
Views: 4474

Re: Yet another study on why not to buy long term care insur

Good to know...thanks....concerning the taxes,if I get to that point I will not care :D
by hoops777
Sun Jan 04, 2015 11:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Yet another study on why not to buy long term care insurance
Replies: 61
Views: 4474

Re: Yet another study on why not to buy long term care insur

We took out a policy with Genworth 3 years ago.It has an inflation rider and is identical to my brothers policy.It cost us 300 a month and I can write it off through my business.Right now we are 62 and 64 and hope we never use it.My brother is 69 with Parkinsons and has in home 24 hr care.It has bee...
by hoops777
Sun Jan 04, 2015 7:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Yet another study on why not to buy long term care insurance
Replies: 61
Views: 4474

Re: Switching to Schwab

Before she started talking about being able to walk into an office my thought was to have our IRA accts in the same balanced fund to keep it as simple as possible and I know Vanguard will do the RMD's for you and transfer the money where you want.We do not have much in taxable but we do have a decen...
by hoops777
Sun Jan 04, 2015 7:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Switching to Schwab
Replies: 33
Views: 3294

Re: Switching to Schwab

The more I think about it,it would probably be best that she pay the .3 and have Vanguard take care of it for her.She will still be way ahead paying the small fee with me gone because all of my living expenses are gone and I am very expensive,though worth about half of every penny :D
by hoops777
Sun Jan 04, 2015 1:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Switching to Schwab
Replies: 33
Views: 3294

Re: Switching to Schwab

Good advice,thanks.If you went totally simple and transferred a single life strategy fund Schwab would provide the same service at same cost as Vanguard in terms of required withdrawals and reinvesting dividends?
by hoops777
Sat Jan 03, 2015 5:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Switching to Schwab
Replies: 33
Views: 3294

Switching to Schwab

Any real concerns switching from Vanguard to Schwab?My wife wants to be able to walk into an office if something happens to yours truly.Most of our money is in IRA's and Vanguard funds.Thank you.
by hoops777
Sat Jan 03, 2015 3:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Switching to Schwab
Replies: 33
Views: 3294

Re: What will be the biggest investment surprises of 2015?

Taylor will sell all his index funds and buy individual stocks,high yield junk bonds and then hire an investment firm that charges 3 pct to manage it all for him with full authority to buy and sell whatever they think is going to make them the most money.
by hoops777
Fri Jan 02, 2015 10:05 pm
 
Forum: Investing - Theory, News & General
Topic: What will be the biggest investment surprises of 2015?
Replies: 76
Views: 7430

Re: Investment books I have read.

It is somewhat ironic that a man who has read about 300 books on investing invests in the simplest portfolio one can.I guess there is a valuable lesson to be learned there.Most people,the more they read and learn,the more they want to tinker and tilt.A little knowledge can be a dangerous thing,but h...
by hoops777
Mon Dec 15, 2014 9:11 pm
 
Forum: Investing - Theory, News & General
Topic: Investment books I have read.
Replies: 32
Views: 4488

Re: Best travel rewards card for my unique situation

After doing much research in my opinion the Starwood AXP is the most generous program in terms of points for hotel stays.You can stay at Sheratons,Westins and a few others all over the world.If you stay 5 nights the fifth night is free...so points for only the first 4.You also need less points than ...
by hoops777
Sun Dec 14, 2014 4:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best travel rewards card for my unique situation
Replies: 11
Views: 1620

Re: "Small-Cap Performance Edge on the Wane"

Wagnerjb...I fully understand your point.My comment was directed toward all of people who use data to justify their belief that they will beat the market,even experts like Swedroe who spends his life on research and can be defeated by a third grader buying an index fund.There just are not that many ...
by hoops777
Sun Dec 07, 2014 1:13 pm
 
Forum: Investing - Theory, News & General
Topic: "Small-Cap Performance Edge on the Wane"
Replies: 99
Views: 7314

Re: "Small-Cap Performance Edge on the Wane"

Investing is so much fun.So you use 80 years of data to back up your beliefs but you then must acknowledge that the next 80 years could be different.So many really smart people trying to get an edge but it always falls back to the future may be different.So in essence no matter how smart you are,how...
by hoops777
Sat Dec 06, 2014 4:24 pm
 
Forum: Investing - Theory, News & General
Topic: "Small-Cap Performance Edge on the Wane"
Replies: 99
Views: 7314

Re: What % of your fixed-income is TIPs?

It appears that the majority prefer Ibonds.
by hoops777
Wed Dec 03, 2014 10:28 pm
 
Forum: Investing - Theory, News & General
Topic: What % of your fixed-income is TIPs?
Replies: 71
Views: 3621

Re: Why does Buffett like S&P not Total US Market?

The two are so similar in terms of returns it does not really matter.
by hoops777
Wed Dec 03, 2014 10:16 pm
 
Forum: Investing - Theory, News & General
Topic: Why does Buffett like S&P not Total US Market?
Replies: 29
Views: 2770

Re: Critique my investment security plan

All I can say is WOW! :D
by hoops777
Fri Nov 28, 2014 12:45 pm
 
Forum: Investing - Theory, News & General
Topic: Critique my investment security plan
Replies: 11
Views: 1261

Re: Critique my investment security plan

Lazyday....your user name does not match your stress level over this security issue. :D Look at it this way.....You are 99.9 pct safe if you follow basic smart rules regarding passwords,etc.On the other hand if a brillant genius hacker targets you or me or anyone else we are probably in trouble but ...
by hoops777
Thu Nov 27, 2014 12:39 pm
 
Forum: Investing - Theory, News & General
Topic: Critique my investment security plan
Replies: 11
Views: 1261

Re: What do you splurge on?

HBO and Showtime
Pay extra for 4G cellular for my Ipad so I can take it with me and always have a connection
We buy the food we want
by hoops777
Tue Nov 25, 2014 11:46 am
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 237
Views: 24377

Re: Brother wants me to co-sign a house with him

NOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOO!!!!!!!!!!!!!!!
Let me repeat
NOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOO!!!!!!!!!!!!!!!
by hoops777
Tue Nov 25, 2014 11:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Brother wants me to co-sign a house with him
Replies: 41
Views: 4042

Re: An alternative to alternative investments [QSPIX]

Longinvest...You know if all anyone posted here was the pure boglehead philosophy it would be so boring that it would be not worth visiting ever again after the first time.There is more than enough pure boglehead. :D
by hoops777
Sun Nov 23, 2014 1:17 pm
 
Forum: Investing - Theory, News & General
Topic: An alternative to alternative investments [QSPIX]
Replies: 257
Views: 29806

Re: Oatmeal suggestions

Here is something different.I usually switch every other day between eating oatmeal and eating muesli mixed in with greek yogurt which I let sit overnight to soften the Bobs Red Mill Old Country Style Muesli. I was at Costco and they were sampling a new product which was greek yogurt mixed with oatm...
by hoops777
Sat Nov 22, 2014 9:12 pm
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 147
Views: 13396

Re: What Movie Have You Recently Watched?

Watched Silver Linings Playbook on HBO....very good movie.
by hoops777
Sat Nov 22, 2014 8:52 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 449
Views: 52954

Re: Start a business

I always get a kick out of the gurus who say start a business,like it is a simple thing to do.One guy who actually is an established guru,says start a business on the side while working full time and raising kids,and keep it going until it replaces the income from your career job.Really?How many peo...
by hoops777
Thu Nov 20, 2014 11:18 pm
 
Forum: Investing - Theory, News & General
Topic: Start a business
Replies: 14
Views: 1705

Re: Active or Not, I Love Wellington

The fund invests in mid to large value stocks and up to 25 pct in foreign securities.How is this based on or comparable to the SP 500 which is not a value index and has no foreign stocks.It seems to me this is comparing apples to oranges.
by hoops777
Tue Nov 18, 2014 11:43 am
 
Forum: Investing - Theory, News & General
Topic: Active or Not, I Love Wellington
Replies: 82
Views: 9217

Re: Active or Not, I Love Wellington

Ok.I looked at the page.Wellington owns about 100 stocks that were each handpicked by the managers as well as 500 bonds.So how is that any different from any other fund where someone chooses all of the stocks.My idea of an index is all inclusive with no stock picking.I really do not get it.Sorry.
by hoops777
Mon Nov 17, 2014 9:34 pm
 
Forum: Investing - Theory, News & General
Topic: Active or Not, I Love Wellington
Replies: 82
Views: 9217

Re: Is investing more risky today today than before the inte

I really do not know if it is more or less risky but the way stocks are traded has certainly changed.The ease of trading from your ipad or laptop along with high speed trading on Wall St.......
Probably does not really matter.
by hoops777
Mon Nov 17, 2014 6:12 pm
 
Forum: Investing - Theory, News & General
Topic: Is investing more risky today today than before the internet
Replies: 30
Views: 4565

Is investing more risky today today than before the internet

Just something to throw out there.With the internet and the digital age do you feel investing is more or less risky,or the same?
by hoops777
Mon Nov 17, 2014 5:05 pm
 
Forum: Investing - Theory, News & General
Topic: Is investing more risky today today than before the internet
Replies: 30
Views: 4565

Re: VWINX (Wellesley Inc.)

You might consider half Wellesley and half one of the life strategy funds.
by hoops777
Mon Nov 17, 2014 4:50 pm
 
Forum: Investing - Theory, News & General
Topic: VWINX (Wellesley Inc.)
Replies: 44
Views: 6730

Re: Active or Not, I Love Wellington

Thanks dbr
by hoops777
Sun Nov 16, 2014 7:51 pm
 
Forum: Investing - Theory, News & General
Topic: Active or Not, I Love Wellington
Replies: 82
Views: 9217

Re: Active or Not, I Love Wellington

I still do not get the index issue.Wellington is composed of about 100 stocks plus the 35 pct or so in bonds.The managers pick the stocks....what am I missing?There is nothing index about this fund other than trying to maintain the 65/35 allocation.
by hoops777
Sun Nov 16, 2014 7:33 pm
 
Forum: Investing - Theory, News & General
Topic: Active or Not, I Love Wellington
Replies: 82
Views: 9217

Re: Active or Not, I Love Wellington

I read The Bogle comments twice and I still have no idea what he is talking about regarding Wellington being 97 pct based on indexes. :confused :confused :confused It certainly is not based on what he said.
by hoops777
Sun Nov 16, 2014 12:33 pm
 
Forum: Investing - Theory, News & General
Topic: Active or Not, I Love Wellington
Replies: 82
Views: 9217

Re: New Tony Robbins Book on Financial Freedom

There is one thing Tony Robbins is certainly very,very good at.....making money.Like him or not he is also one of the best motivational speakers/life coaches.I bought some of his tapes about 25 years ago.I still remember how he spoke about the need for certainty and uncertainty in our lives,which go...
by hoops777
Sat Nov 15, 2014 7:04 pm
 
Forum: Investing - Theory, News & General
Topic: New Tony Robbins Book on Financial Freedom
Replies: 89
Views: 20496
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