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Re: Vanguard HealthCare Fund

Maybe it really is as simple as the increasing aging population is guaranteed to need more healthcare.That is a fact,not an opinion or a hopeful projection.Now should that translate into a market beating return going forward?
by hoops777
Wed Mar 25, 2015 8:58 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard HealthCare Fund
Replies: 50
Views: 3707

Re: Why Bonds With 20 Year Horizon?

I am impressed that so many are so absoluetly certain of the return of bonds going forward.Nice to know nothing could happen to change that :D
by hoops777
Wed Mar 25, 2015 10:36 am
 
Forum: Investing - Theory, News & General
Topic: Why Bonds With 20 Year Horizon?
Replies: 70
Views: 4703

Re: Why Bonds With 20 Year Horizon?

Pretty simple.High risk high reward....but in this case high reward is in no way guaranteed or reasonably expected.
by hoops777
Tue Mar 24, 2015 9:21 pm
 
Forum: Investing - Theory, News & General
Topic: Why Bonds With 20 Year Horizon?
Replies: 70
Views: 4703

Re: Definition of financial independence?

I guess we all have our own personal relationship with money.
by hoops777
Mon Mar 23, 2015 6:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Definition of financial independence?
Replies: 52
Views: 4758

Re: Where is Larry Swedroe

I told you he joined a cult....one with psychics as well :D
by hoops777
Sat Mar 21, 2015 12:59 pm
 
Forum: Investing - Theory, News & General
Topic: Where is Larry Swedroe
Replies: 18
Views: 4074

Re: Vanguard - The New Bond King - WSJ

We all know what happens when you anoint someone a king........uh oh.....I hear he has ordered a new desk :shock:
by hoops777
Thu Mar 19, 2015 10:06 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard - The New Bond King - WSJ
Replies: 27
Views: 4274

Re: Where is Larry Swedroe

I saw a picture of him on the internet with long hair and a beard and he has joined a cult that is focused on investing in dividend paying stocks and high yield corporate bonds 8-)
by hoops777
Thu Mar 19, 2015 10:01 am
 
Forum: Investing - Theory, News & General
Topic: Where is Larry Swedroe
Replies: 18
Views: 4074

Re: Definition of financial independence?

You are financially independent when you know you are by whatever factors you use that apply to you.For me I would feel 100 pct independent and worry free if my monthly income from bonds and stocks covered whatever monthly expenses SS did not.This would leave me no need to sell shares but would prov...
by hoops777
Wed Mar 18, 2015 4:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Definition of financial independence?
Replies: 52
Views: 4758

Re: Why the popularity of dividends? What's the counterargum

Iper.... I never said dividend mantra did not do research.I said from what I read on the site it all came across as a way to invest that seemingly had no downside.It will always end up rainbows and ice cream and his 200,000 will be a million before his ice cream melts.I must have read comments from ...
by hoops777
Mon Mar 16, 2015 6:48 pm
 
Forum: Investing - Theory, News & General
Topic: Why the popularity of dividends? What's the counterargument?
Replies: 70
Views: 4961

Re: Long term care worth it ?

The policy I have does not rise with age and any increases have to be approved by the state insurance commission.
by hoops777
Mon Mar 16, 2015 6:32 pm
 
Forum: Investing - Theory, News & General
Topic: Long term care worth it ?
Replies: 23
Views: 2577

Re: What are Costco's best deals?

You are right it is a silly argument.What is not a silly argument is to choose to spend your money at a company that treats its employees well and pays them a decent wage vs one that does not.
by hoops777
Mon Mar 16, 2015 6:30 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 220
Views: 19902

Re: Why the popularity of dividends? What's the counterargum

One other little point no matter what side you are on.You could invest your stock allocation only in Equity Income and Dividend Growth,50/50 and you could sleep well at night.Is it the total market...no but it is a myth that you need thousands of stocks.If you have 100 to 150 stocks from the best co...
by hoops777
Sun Mar 15, 2015 10:06 pm
 
Forum: Investing - Theory, News & General
Topic: Why the popularity of dividends? What's the counterargument?
Replies: 70
Views: 4961

Re: What are Costco's best deals?

Hey,no business is perfect and sometimes there are problems.I will just leave it at when you consider everything Costco offers from food to electronics,there is no other store that is their equal.I have some bad produce as well and I returned it as well as many other things....they have the best ret...
by hoops777
Sun Mar 15, 2015 9:43 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 220
Views: 19902

Re: Long term care worth it ?

My brother bought a policy at 58 or and about 5 years later needs 24 hr in home care.It has been a lifesaver.It is great to have it if you ever need it.You need to buy a good policy from a top rated provider.
by hoops777
Sun Mar 15, 2015 7:00 pm
 
Forum: Investing - Theory, News & General
Topic: Long term care worth it ?
Replies: 23
Views: 2577

Re: Why the popularity of dividends? What's the counterargum

Once you get it into your head it is tough to get it out.It is psychological.If the market tanks I still get my dividends and do not have to sell for a loss......or it is a monthly paycheck that keeps growing as companies raise their dividends.Once you drink the kool aid it becomes addictive.I am so...
by hoops777
Sun Mar 15, 2015 6:55 pm
 
Forum: Investing - Theory, News & General
Topic: Why the popularity of dividends? What's the counterargument?
Replies: 70
Views: 4961

Re: What are Costco's best deals?

Costco has better prices than Walmart and better quality items overall.No store is cheaper on every item everyday than another store.Costco also pays its employees a decent wage which Walmart does not.The two companies can really not be compared because they are so different.
by hoops777
Sun Mar 15, 2015 6:22 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 220
Views: 19902

Tax question

If there are any tax people out there.....I know this is not providing a lot of details but just a quick generalization.How much income would a married couple filing jointly have to earn to generate 50,000 in fed tax and just to keep it as simple as possible use 6000 in prop tax as the only deductio...
by hoops777
Sun Mar 15, 2015 4:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax question
Replies: 1
Views: 262

Re: Why the popularity of dividends? What's the counterargum

Wow...I checked out Dividendmantra and we are talking really optimistic there.The guy thinks dividend growth stocks are guaranteed to provide nothing but rainbows and his favorite ice cream :D If it were only so easy.
by hoops777
Sun Mar 15, 2015 12:29 pm
 
Forum: Investing - Theory, News & General
Topic: Why the popularity of dividends? What's the counterargument?
Replies: 70
Views: 4961

Re: Long term care worth it ?

Sounds a little bit to good to be true.What Insurance co. Is it?
by hoops777
Sun Mar 15, 2015 11:59 am
 
Forum: Investing - Theory, News & General
Topic: Long term care worth it ?
Replies: 23
Views: 2577

Re: At what point is it too much house? How much do we need

Location location location....there is a reason why location determines price
by hoops777
Fri Mar 13, 2015 6:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: At what point is it too much house? How much do we need?
Replies: 52
Views: 4629

Re: At what point is it too much house? How much do we need

Flashes1 ... you are an example of America gone amok :D It all comes down to what you want to spend your money on.What we need and want are two totally different things.Like a lot of posters said 2500 sq ft is plenty big enough to be very comfortable but if you like the idea of space and being able ...
by hoops777
Fri Mar 13, 2015 1:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: At what point is it too much house? How much do we need?
Replies: 52
Views: 4629

Re: What are Costco's best deals?

Midtown Detroit is not exactly shantytown.There is a reason they put one there and that doesn't change the fact that 90 something pct are in affluent areas.Hey,they have the right to put them anywhere they want,which are in areas where people can afford their prices.
by hoops777
Thu Mar 12, 2015 11:57 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 220
Views: 19902

Re: At what point is it too much house? How much do we need

It is amazing how we adapt to whatever home we have.60 years ago you had bigger families and MUCH smaller homes usually with one bath.When I grew up we had 6 in our family and about 900 sq ft and one bath.Nobody needs a 5000 sq ft house but we want them.It is amazing when you read about professional...
by hoops777
Thu Mar 12, 2015 9:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: At what point is it too much house? How much do we need?
Replies: 52
Views: 4629

Re: What are Costco's best deals?

To the poster who said Walmart is cheaper than Costco you are incorrect if you are comparing apples to apples.
by hoops777
Thu Mar 12, 2015 8:12 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 220
Views: 19902

Re: What are Costco's best deals?

Well said Victoria.
by hoops777
Thu Mar 12, 2015 5:44 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 220
Views: 19902

Re: What are Costco's best deals?

To me,and this strictly my personal opinion,Whole Foods has quality produce and everything but they base their business on a wealthier customer and make a very good profit.I have never seen one not in a higher income area.If you price their regular items like cereal or whatever,it comes at a premium...
by hoops777
Thu Mar 12, 2015 5:21 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 220
Views: 19902

Re: What are Costco's best deals?

Costco has really good prices on almost everything.They even have very good deals on clothes and their return policy is almost too liberal.They are so much cheaper than Whole Foods that you cannot even compare the two.The best deal in Costco is probably the food court but it is mostly not the health...
by hoops777
Thu Mar 12, 2015 12:58 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 220
Views: 19902

Re: Bernstein: 2% investment returns over next 20 years

If one believes these figures to be accurate,does it make sense to invest in some high quality individual 20 yr corporate bonds......KO and GE both have some at above 4 pct......especially in an IRA
by hoops777
Wed Mar 11, 2015 5:18 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein: 2% investment returns over next 20 years
Replies: 216
Views: 22776

Re: Just cut my cable bill...

My only other comment is if you have a large screen like 70 in,the quality of the picture is inferior when you stream it.You get a much better picture on Directv and to me it is a lot easier to use than trying to stream whatever from whatever.I think there is also a totally different experience watc...
by hoops777
Tue Mar 10, 2015 8:47 pm
 
Forum: Personal Consumer Issues
Topic: Just cut my cable bill...
Replies: 58
Views: 5378

Re: Bernstein: 2% investment returns over next 20 years

I understand why one would say it is easier to predict a 20 year avg then for 1 year but there are just soooooo many things that can happen over 20 years.20 years ago the internet was not even a factor in our lives for one major example.Does anyone know how much of an effect the internet has had on ...
by hoops777
Mon Mar 09, 2015 4:19 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein: 2% investment returns over next 20 years
Replies: 216
Views: 22776

Re: Bernstein: 2% investment returns over next 20 years

Wow.I never knew anyone could predict both stock and bond returns even for 1 year much less 20......pretty amazing.
by hoops777
Mon Mar 09, 2015 2:25 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein: 2% investment returns over next 20 years
Replies: 216
Views: 22776

Re: Just cut my cable bill...

It is kind of politically correct in a lot of circles to view cable tv as a vast wasteland of mindkess entertainment.The truth is there is a wealth of great things on TV and some very good tv series.If one is on a budget by all means save every cent you can but if you can afford to pay for Directv o...
by hoops777
Sun Mar 08, 2015 8:15 pm
 
Forum: Personal Consumer Issues
Topic: Just cut my cable bill...
Replies: 58
Views: 5378

Re: International investing. A good call by our mentor.

The total stock market is enough diversification.I feel VERY comfortable investing in over 3000 stocks in the USA and 100pct USA bonds.You are welcome to your international bonds and stocks.They may help and they may not.They are rolling the dice and with all due respect to Vanguard they do not have...
by hoops777
Sat Mar 07, 2015 11:41 pm
 
Forum: Investing - Theory, News & General
Topic: International investing. A good call by our mentor.
Replies: 150
Views: 15041

Re: Too late to invest in Health Care Fund?

A lot of people would argue that healthcare is a little different from most sectors.It is a fact that we have an aging population that is guaranteed to need more medical devices,drugs and care.Does that translate into higher stock prices in a well diversified excellently managed fund with a superb l...
by hoops777
Fri Mar 06, 2015 4:04 pm
 
Forum: Investing - Theory, News & General
Topic: Too late to invest in Health Care Fund?
Replies: 7
Views: 785

Re: If you have $1 million...

Interesting thread....Cars are bought for many reasons.Some see them as a tool to get them where they are going.Some buy for perceived status....you listening any realtors out there....and some people just really really like cars,how they handle,0-60,etc.My 2007 Prius has117,000 and It fits me like ...
by hoops777
Thu Mar 05, 2015 7:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you have $1 million...
Replies: 65
Views: 6235

Re: International increase in Target Retirement & LifeStrate

I have zero interest in any international bonds and have zero desire to invest so heavily in international stocks so they can cross my name off their list.
by hoops777
Wed Mar 04, 2015 10:10 pm
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 219
Views: 17164

Re: Do You Like Vanguard Wellesley Income Fund?

Here is the real scoop on Wellesley after reading countless posts and threads over the years....Anyone open to buying a managed fund will like it if it fits their AA.Anyone who is an index purist will grudgingly admit that it has performed well but will warn about potential mgr error and that past r...
by hoops777
Tue Mar 03, 2015 2:24 pm
 
Forum: Investing - Theory, News & General
Topic: Do You Like Vanguard Wellesley Income Fund?
Replies: 29
Views: 8723

Re: Do you consider mortgage payments as savings?

Well with all due respect when someone says savings I take that as money put into an account that is safe,not something that can lose value like a stock or a house.Maybe I misunderstood his meaning.
by hoops777
Sat Feb 28, 2015 1:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you consider mortgage payments as savings?
Replies: 410
Views: 20081

Re: Do you consider mortgage payments as savings?

It is not savings.You are simply increasing your net worth or decreasing it depending upon the flucuations of the housing market.If your house is worth 500,000 today and you make 12 payments this year totaling $30,000 and the housing market tanks in 2016,maybe your house is now worth $400,000.Savings?
by hoops777
Sat Feb 28, 2015 12:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you consider mortgage payments as savings?
Replies: 410
Views: 20081

Re: Thought for the Day: Invest Logically

I think he would only put 20 pct in planet earth stocks and 80 pct universal :D
by hoops777
Sat Feb 28, 2015 12:29 pm
 
Forum: Investing - Theory, News & General
Topic: Thought for the Day: Invest Logically
Replies: 18
Views: 2011

Re: Safe Withdrawal Rate as it relates to Size of Portfolio

There is no magic formula that covers every possibility except for being very rich and having way more money then you will ever need.If one is middle of the road and thinks they will be ok at 4 pct they better try 3 to 3.5 pct at the beginning.That is based on research done by Murphy who is famous f...
by hoops777
Fri Feb 27, 2015 7:32 pm
 
Forum: Investing - Theory, News & General
Topic: Safe Withdrawal Rate as it relates to Size of Portfolio
Replies: 25
Views: 2783

Re: the Wellington group

I believe you are making the same mistake I did calling the returns of the market average.When investing in the market and getting market returns beats about 70 to 80 pct of managed funds is that really average in the truest meaning?I also believe that not investing in any international also makes y...
by hoops777
Sun Feb 22, 2015 6:43 pm
 
Forum: Investing - Theory, News & General
Topic: the Wellington group
Replies: 8
Views: 1487

Re: the Wellington group

Let me sum up the answers you will get.Some people love Wellington and will tell you they are a top notch manager and others will tell you that they are good but you still have the probability of managers underperforming the index over time regardless of past results.
by hoops777
Sun Feb 22, 2015 1:17 pm
 
Forum: Investing - Theory, News & General
Topic: the Wellington group
Replies: 8
Views: 1487

Re: Does Inflation eliminate the Safety of Bonds?

All I know is if you invest in a CD or a longer term bond you are at least getting paid something instead of nothing.If rates rise you are still getting paid something while on the other hand if rates do not rise anytime soon you will continue on earning nothing or close to it.When you consider the ...
by hoops777
Fri Feb 20, 2015 12:26 pm
 
Forum: Investing - Theory, News & General
Topic: Does Inflation eliminate the Safety of Bonds?
Replies: 42
Views: 3443

Re: Does Inflation eliminate the Safety of Bonds?

The more I read about this subject the more confused I get.There seems to be a lot of opinions out there these low rates may persist for quite some time.On the other hand buying something like long term corp yielding over 4 pct in high quality bonds is generally considered foolish.If nobody can tell...
by hoops777
Thu Feb 19, 2015 10:27 pm
 
Forum: Investing - Theory, News & General
Topic: Does Inflation eliminate the Safety of Bonds?
Replies: 42
Views: 3443

Re: A case for long term government bonds

Random guy,I appreciate your response.It is of course a ridiculous thing to put all of your money into either fund.What I am really trying to get at is if one put maybe 10 pct into the long bond is there a situation where it would not payout that 4 pct going forward?I would imagine if rates went to ...
by hoops777
Thu Feb 19, 2015 3:05 pm
 
Forum: Investing - Theory, News & General
Topic: A case for long term government bonds
Replies: 40
Views: 3211

Re: A case for long term government bonds

Ok here is a crazy example to explain my warped way of looking at this question.A person has 1 million dollars and upon retiring needs 40,000 a year to live on for the next 20 years in addition to his SS.He has two choices....the total stock market or the long term corporate bond fund.After the choi...
by hoops777
Thu Feb 19, 2015 2:19 pm
 
Forum: Investing - Theory, News & General
Topic: A case for long term government bonds
Replies: 40
Views: 3211

Re: A case for long term government bonds

A question regarding long term corporate yielding over 4 pct.I looked at the portfolio and it is composed of high quality companies.It is a bad idea to buy some of this,reinvest the dividends for 7 years or so until retirement?It would be used for income in an IRA with the idea of never selling it.I...
by hoops777
Thu Feb 19, 2015 1:12 pm
 
Forum: Investing - Theory, News & General
Topic: A case for long term government bonds
Replies: 40
Views: 3211
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