Search found 918 matches

by hoops777
Fri Sep 04, 2015 10:12 pm
Forum: Investing - Theory, News & General
Topic: Anyone looking at Vanguard Reit
Replies: 18
Views: 1176

Re: Anyone looking at Vanguard Reit

Thanks Kevin.Your post came on while I was writing my last one and you answered my question before I was done asking it....if only everything worked that way :D
by hoops777
Fri Sep 04, 2015 10:06 pm
Forum: Investing - Theory, News & General
Topic: Anyone looking at Vanguard Reit
Replies: 18
Views: 1176

Re: Anyone looking at Vanguard Reit

Here is where I get a little confused.It seems the generally accepted advice here is to not try to ever time the market but just buy when you have the funds to buy and do not worry about the price.With this Reit it is at a much lower price than it was a year ago,but I am hearing it may not be cheap ...
by hoops777
Fri Sep 04, 2015 5:25 pm
Forum: Investing - Theory, News & General
Topic: Anyone looking at Vanguard Reit
Replies: 18
Views: 1176

Re: Anyone looking at Vanguard Reit

I think it is pretty simple to buy a small amount and leave it in my Roth for 20 years....hopefully longer :D No rebalancing,just let it go.I would consider it outside of my stock/bond allocation....like a $25,000 rental property :D
by hoops777
Fri Sep 04, 2015 4:59 pm
Forum: Investing - Theory, News & General
Topic: Anyone looking at Vanguard Reit
Replies: 18
Views: 1176

Anyone looking at Vanguard Reit

I was thinking of adding some reits to my long term portfolio and I have none now....VNQ at almost a 52 week low.Any opinions?Would buy it for my roth which is the last thing I will touch and hopefully will just be the kids money someday.
by hoops777
Mon Aug 31, 2015 5:39 pm
Forum: Investing - Theory, News & General
Topic: I Bonds vs cd's
Replies: 11
Views: 1450

Re: I Bonds vs cd's

I do understand the purpose of owning these but let's just say I do not usually agree with inflation figures and even if I did inflation for your spending might be quite a bit different than mine because we may be spending our money very differently.Maybe I am cynical but is there any situation wher...
by hoops777
Mon Aug 31, 2015 2:02 pm
Forum: Investing - Theory, News & General
Topic: I Bonds vs cd's
Replies: 11
Views: 1450

Re: I Bonds vs cd's

Yes I guess I am questioning how great an investment these 0 rate IBonds are.My wife has a 30,000 one we bought in 2002 with a base rate of 3 pct which is great.That one is now worth 63,000 and is currently yielding about 4.5.We have about 60 thousand in newer ones that are all at zero or almost zer...
by hoops777
Mon Aug 31, 2015 1:07 pm
Forum: Investing - Theory, News & General
Topic: I Bonds vs cd's
Replies: 11
Views: 1450

Re: I Bonds vs cd's

What I should have added is has anyone sold their I Bonds with a zero base rate and bought CD's
by hoops777
Sun Aug 30, 2015 7:41 pm
Forum: Investing - Theory, News & General
Topic: I Bonds vs cd's
Replies: 11
Views: 1450

I Bonds vs cd's

Wondering what is a better investment....the recent years of IBonds with a base rate of zero or CD's of 5 years or longer.If inflation kicks in down the road will new CD rates rise as well?
by hoops777
Sun Aug 30, 2015 6:21 pm
Forum: Personal Consumer Issues
Topic: Prius owners and rest of Bogleheads
Replies: 33
Views: 2302

Re: Prius owners and rest of Bogleheads

Just bought a new 2015 Prius for 18,991.Prius is a great car...roomy,great mileage and very dependable.At these prices it is hard to beat inless you want something sporty.Put the rear seats down and the storage is huge.They are redesigning for 2016 which is why you can get one at the lowest prices e...
by hoops777
Sun Aug 23, 2015 4:07 pm
Forum: Investing - Theory, News & General
Topic: Kind of getting excited about energy stocks
Replies: 50
Views: 4555

Re: Kind of getting excited about energy stocks

Wow...VDE was in the low fifties in 2009
by hoops777
Sun Aug 23, 2015 12:07 pm
Forum: Investing - Theory, News & General
Topic: Kind of getting excited about energy stocks
Replies: 50
Views: 4555

Re: Kind of getting excited about energy stocks

The last I looked the people in countries like China are buying a lot of cars for the first time and we are still a little bit :D dependent upon oil and nat gas to live our daily lives and big oil does yield a very big stick in DC.I bet on big oil.
by hoops777
Sat Aug 22, 2015 4:20 pm
Forum: Investing - Theory, News & General
Topic: A warning on RBDs [Really Bad Days]
Replies: 46
Views: 6828

Re: A warning on RBDs [Really Bad Days]

Anybody thinking of buying VDE....Vanguard Energy....I believe 52 week high was 142 now at 89.....you would think it would be a very good long term investment at this price.
by hoops777
Tue Aug 18, 2015 3:16 pm
Forum: Personal Consumer Issues
Topic: Should I buy a new car or hold
Replies: 19
Views: 1883

Re: Should I buy a new car or hold

The car did not only last 8 years and I could probably drive it another 8 years,but would prefer the newer one for reasons already stated.To be honest when you hit 63 and you have a limited number of years left to drive I like the idea of the nicer ,newer car at such a minimal cost,and It is very do...
by hoops777
Mon Aug 17, 2015 9:43 pm
Forum: Personal Consumer Issues
Topic: Should I buy a new car or hold
Replies: 19
Views: 1883

Re: Should I buy a new car or hold

Out the door is about 21500.It really is a great price because of the new redesigned 2016 which I guarantee you is going to be a lot more and I do not care about the new design.The Prius is a great car as it is and it is good enough for me.To me it gives me peace of mind knowing that I do not have t...
by hoops777
Mon Aug 17, 2015 4:35 pm
Forum: Personal Consumer Issues
Topic: Should I buy a new car or hold
Replies: 19
Views: 1883

Should I buy a new car or hold

Ok....here is the deal.I currently own a 2007 Prius with 123,000 miles.Good condition but has some expenses coming in the near future.I can keep driving it for a few years and pay the maintenance and repairs and sell it for next to nothing then.....or....I can buy a brand new Prius for 18,991 and se...
by hoops777
Sun Aug 16, 2015 4:40 pm
Forum: Personal Consumer Issues
Topic: Laptop Recommendation
Replies: 41
Views: 4031

Re: Laptop Recommendation

Actually apple can run windows
by hoops777
Sun Aug 16, 2015 4:21 pm
Forum: Personal Consumer Issues
Topic: Laptop Recommendation
Replies: 41
Views: 4031

Re: Laptop Recommendation

Wow...not one Apple mention.Interesting.Must be the pricing.
by hoops777
Tue Aug 11, 2015 10:14 pm
Forum: Investing - Theory, News & General
Topic: Does the Three Fund Portfolio need a roboadviser?
Replies: 83
Views: 6883

Re: Does the Three Fund Portfolio need a roboadviser?

Never said 7500 was nothing.My point was if you have 5M and for whatever reason would prefer to have Betterment manage your investments,7500 is not going to have any negative impact on your financial life,and depending on the individual person,may allow one to enjoy their life a little more.If such ...
by hoops777
Tue Aug 11, 2015 2:30 pm
Forum: Investing - Theory, News & General
Topic: Does the Three Fund Portfolio need a roboadviser?
Replies: 83
Views: 6883

Re: Does the Three Fund Portfolio need a roboadviser?

I would say for someone with a 5 M portfolio that 7500 per year is pretty low level noise....kind of like my electric car humming along down the roadway :D I am considering using a robo for some of the reasons already posted but there is just something about it that is unsettling......maybe it was t...
by hoops777
Tue Aug 11, 2015 12:08 pm
Forum: Investing - Theory, News & General
Topic: "Vanguard Funds vs. Dimensional Funds in New IFA Index Portfolios" -- What's The Deal?
Replies: 46
Views: 3890

Re: "Vanguard Funds vs. Dimensional Funds in New IFA Index Portfolios" -- What's The Deal?

Nisprius made one of the wisest comments I have seen on this website......he has settled on good enough vs going for the very best.How much time,effort and stress is involved trying to get the highest return possible when it probably amounts to a meaningless amount of money when all is said and done...
by hoops777
Fri Aug 07, 2015 11:39 am
Forum: Investing - Theory, News & General
Topic: Pfau: Why Bond Funds Don't Belong in Retirement Portfolios
Replies: 119
Views: 10844

Re: Pfau: Why Bond Funds Don't Belong in Retirement Portfolios

I found it interesting in his example of the couple with 2 million dollars that he said nothing about their SS.Would they not have a large SS payment after earning that much money?SS would greatly change their situation and eliminate the need for any annuity.Maybe I missed something.My wife and I wi...
by hoops777
Thu Aug 06, 2015 10:59 am
Forum: Investing - Theory, News & General
Topic: The folly of the dividend yield
Replies: 73
Views: 6548

Re: The folly of the dividend yield

Yankees vs Red Sox.....conserv vs libs.......total return vs dividend......never ending.The topic is much more complex than the basic math many love to proclaim as the correct answer.The truth is there is no correct answer because people are all different and why and how they invest in div stocks an...
by hoops777
Wed Aug 05, 2015 10:07 pm
Forum: Investing - Theory, News & General
Topic: The folly of the dividend yield
Replies: 73
Views: 6548

Re: The folly of the dividend yield

What is usually missed is that a lot of people buy dividend stocks of companies that have been paying and raising them for many years....very established iconic companies like Coke and Johnson and Johnson.Those people have done quite well,thank you,regardless of the intellectually superior form of i...
by hoops777
Tue Aug 04, 2015 12:11 pm
Forum: Investing - Theory, News & General
Topic: Which is more optimal in retirement? Total return vs. income investing
Replies: 41
Views: 3572

Re: Which is more optimal in retirement? Total return vs. income investing

As has been stated before,if a person is comfortable with and has enough money invested to live off the income generated without ever selling shares,more power to him or her.You will not change their mind and there is nothing wrong with the strategy.Peace of mind is worth more than charts and graphs...
by hoops777
Sun Aug 02, 2015 12:13 pm
Forum: Investing - Theory, News & General
Topic: The Long-Term Decline of Interest Rates
Replies: 63
Views: 6643

Re: The Long-Term Decline of Interest Rates

This thread just stregthens my view that nobody knows where interest rates are going to be in 2 years or 10 years and you make a decision and live with it.I put a big chunk in a 10 yr Cd at 3.4 about 17 months ago and feel great right now.Maybe 3 years from now it might not be so great.My choice eit...
by hoops777
Thu Jul 30, 2015 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Geico Auto Insurance
Replies: 63
Views: 3782

Re: Geico Auto Insurance

I have gotten estimates from Geico several times in the last 10 or12 years and their premiums have always been much higher than most of my other quotes.Costco has a good program as does AARP.
by hoops777
Thu Jul 30, 2015 5:09 pm
Forum: Investing - Theory, News & General
Topic: The Long-Term Decline of Interest Rates
Replies: 63
Views: 6643

Re: The Long-Term Decline of Interest Rates

I am venturing into some 10 year indiv corp bonds in great companies paying high 3 's to 4 pct. in my IRA in addition to inter term funds and 10 yr cd's.
by hoops777
Mon Jul 27, 2015 2:12 pm
Forum: Investing - Theory, News & General
Topic: Why do people buy annuities?
Replies: 73
Views: 8196

Re: Why do people buy annuities?

Long primer....the problem with those free dinners is that the speaker is usually pretty good at using graphs and charts to show how great his product is and they always cherry pick a ten year period that is in his or her best interest.I have been to about 6 or 7 because my wife likes free dinners a...
by hoops777
Sun Jul 19, 2015 10:37 am
Forum: Investing - Theory, News & General
Topic: The "No Bonds" portfolio
Replies: 80
Views: 11553

Re: The "No Bonds" portfolio

There is one school of thought that says it is better to hold individual long term bonds to get the higher yield and use the income produced to buy new higher yielding bonds as rates rise.This is what the Scarsdale's preach whose firm is 100 pct highest quality bonds and no stocks.I am not saying I ...
by hoops777
Sat Jul 18, 2015 12:23 pm
Forum: Investing - Theory, News & General
Topic: The "No Bonds" portfolio
Replies: 80
Views: 11553

Re: The "No Bonds" portfolio

If one has no intention of ever selling their bond funds but reinvesting dividends for at least ten years....and then maybe using the dividends only for income.....does any of this matter?The whole issue is that people want certainty in their fixed income because they certainly do not have it in sto...
by hoops777
Fri Jul 17, 2015 9:32 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle in this Month's Money Magazine
Replies: 79
Views: 8613

Re: Jack Bogle in this Month's Money Magazine

I agree with Bogle that international is not necessary.I know it is not the same but we have so many huge US companies that are international in scope and pardon me for waving the flag but the US is by far the greatest country on earth with huge economic advantages due to geography and and our econo...
by hoops777
Tue Jul 14, 2015 6:52 pm
Forum: Investing - Theory, News & General
Topic: What 2008/09 has done to me
Replies: 158
Views: 19741

Re: What 2008/09 has done to me

It has made me more conservative and more cautious ,determined to keep what we have and live with lower returns.We are always one unexpected event from a major market crash and as great as the recovery has been from the last one,there is no guarantee of the same result after the next one.Negative,pe...
by hoops777
Tue Jul 14, 2015 1:01 pm
Forum: Investing - Theory, News & General
Topic: The Brainwashing of the American Investor
Replies: 68
Views: 8809

Re: The Brainwashing of the American Investor

I guess I touched a nerve.Actually the book is about brainwashing because his premise is that most investors buy what Wall St sells and follow the herd.Of course you would not know that because you know nothing about the book but yet pass judgement anyway. My thought was the following...interesting ...
by hoops777
Mon Jul 13, 2015 9:02 pm
Forum: Investing - Theory, News & General
Topic: The Brainwashing of the American Investor
Replies: 68
Views: 8809

Re: The Brainwashing of the American Investor

Leonard I have one response to that.... :D
by hoops777
Mon Jul 13, 2015 8:09 pm
Forum: Investing - Theory, News & General
Topic: The Brainwashing of the American Investor
Replies: 68
Views: 8809

Re: The Brainwashing of the American Investor

PJW...come on now.You are a very intelligent person and you know very well that there are many people on this forum who are very quick to treat anything different from pure bogleheadism with a just a little bit of smugness.It is great to believe in Bogle and like I said 1000 times it is the best way...
by hoops777
Mon Jul 13, 2015 5:40 pm
Forum: Investing - Theory, News & General
Topic: The Brainwashing of the American Investor
Replies: 68
Views: 8809

Re: The Brainwashing of the American Investor

I challenge anyone on the thread to go over my posts and show where I said his methods are better than the Boglehead approach.Never said it.Show one post where I said I follow the guy,am an expert on his methods or believe bogleheads should use his system.I did say the guy is knowledgable about inve...
by hoops777
Mon Jul 13, 2015 11:30 am
Forum: Investing - Theory, News & General
Topic: The Brainwashing of the American Investor
Replies: 68
Views: 8809

Re: The Brainwashing of the American Investor

As I said I do not follow the guy or use his system.What is true is the automatic dismissal of anything non boglehead as if all the millions of people who invest that are not bogleheads are doomed to failure.I do have to tell you that there are many very successful investors that do not buy index fu...
by hoops777
Sun Jul 12, 2015 7:28 pm
Forum: Investing - Theory, News & General
Topic: The Brainwashing of the American Investor
Replies: 68
Views: 8809

Re: The Brainwashing of the American Investor

Last post.....the guy is very knowledgable but the opposite of a bogehead.Because he takes the opposite approach,it does not mean that his results are not better than a traditional boglehead approach.....for him.For the masses,hands down no contest the boglehead approach is the only one that makes a...
by hoops777
Sun Jul 12, 2015 7:02 pm
Forum: Investing - Theory, News & General
Topic: Cd vs corp bond
Replies: 13
Views: 1116

Re: Cd vs corp bond

Ogd....I of course have great respect of your opinion and knowledge.I understand the diff between AAA and A.I also can step away from it all and feel very very comfortable that WF is not going anywhere.Honestly forget about the ratings and tell me how much concern you have about WF going under.Could...
by hoops777
Sun Jul 12, 2015 2:30 pm
Forum: Investing - Theory, News & General
Topic: Cd vs corp bond
Replies: 13
Views: 1116

Re: Cd vs corp bond

I was looking at the 10 year...4 vs 3.1 for the cd.The cd was 3.3 a week ago.Call me crazy,naive or anything you like but I see the risk in WF defaulting to be very close to zero regardless of any ratings.Either way it is not a major purchase so in the long run about 900 to1800 dollars over ten year...
by hoops777
Sun Jul 12, 2015 12:51 pm
Forum: Investing - Theory, News & General
Topic: The Brainwashing of the American Investor
Replies: 68
Views: 8809

Re: The Brainwashing of the American Investor

Lock the bum up!But that does not have any bearing on whether or not his methods are successful regarding his returns.I personally believe that his methods work for him but way too complex for me and most people.Over and out :D
by hoops777
Sun Jul 12, 2015 12:38 pm
Forum: Investing - Theory, News & General
Topic: Cd vs corp bond
Replies: 13
Views: 1116

Re: Cd vs corp bond

This may be simplistic but if Wells Fargo goes down we will be in a situation worse than 2008.I have no concern about them defaulting.Is it possible?I guess it is possible for any company to go under,but I will take those odds on Wells Fargo.
by hoops777
Sat Jul 11, 2015 7:29 pm
Forum: Investing - Theory, News & General
Topic: The Brainwashing of the American Investor
Replies: 68
Views: 8809

Re: The Brainwashing of the American Investor

Time to end this happy little thread.It is great to be a boglehead but I must say that there are a LOT of very successful investors who use other methods and who believe in their methods as much as Bogle believes in his.....Bogles methods are without a doubt the best investment approach for MOST peo...
by hoops777
Sat Jul 11, 2015 5:53 pm
Forum: Investing - Theory, News & General
Topic: The Brainwashing of the American Investor
Replies: 68
Views: 8809

Re: The Brainwashing of the American Investor

Maybe he is just an altruistic guy.I believe Bogle has written a few books :D
by hoops777
Sat Jul 11, 2015 5:49 pm
Forum: Investing - Theory, News & General
Topic: Cd vs corp bond
Replies: 13
Views: 1116

Re: Cd vs corp bond

Thank you for your thoughtful replies.I am not concerned about the RMD issue.Wells Fargo has a 10 year at 4 pct.I have a 10 yr cd at 3.4 that I bought about 18 months ago.Maybe not the greatest investment but it serves my purpose.
by hoops777
Sat Jul 11, 2015 5:34 pm
Forum: Investing - Theory, News & General
Topic: The Brainwashing of the American Investor
Replies: 68
Views: 8809

Re: The Brainwashing of the American Investor

PJW...Google market cycle investment management and there is a ton of stuff.To be honest I only remember reading how well his method worked in 2008 vs traditional methods when scouring through a lot of different articles.They actually have seminars for other advisors to learn the method and the guy ...
by hoops777
Sat Jul 11, 2015 4:55 pm
Forum: Investing - Theory, News & General
Topic: The Brainwashing of the American Investor
Replies: 68
Views: 8809

Re: The Brainwashing of the American Investor

It is one thing to think of it and another to have the patience and discipline to execute it. If you actually spend some time and read this guys philosophy and how his system works,he is either very good and very successful or a bold faced liar.His book is on Amazon and the reviews are 4.5 out of 5....
by hoops777
Sat Jul 11, 2015 2:33 pm
Forum: Investing - Theory, News & General
Topic: Cd vs corp bond
Replies: 13
Views: 1116

Cd vs corp bond

Why should I not buy a high quality corp bond in an IRA instead of a brokered cd if the bond is yielding a half point or more higher for same duration?I am talking Microsoft,IBM Wells Fargo.I see zero default risk unless the world is coming to an end.
by hoops777
Sat Jul 11, 2015 2:14 pm
Forum: Investing - Theory, News & General
Topic: The Brainwashing of the American Investor
Replies: 68
Views: 8809

Re: The Brainwashing of the American Investor

Oh well....sometimes it is good to post something that everyone looks at with complete comtempt and disdain so it can reinforce how astute all the bogleheads are :D I get frustrated with fixed income returns and am drawn to alternatives that I should ignore :annoyed
by hoops777
Sat Jul 11, 2015 12:42 pm
Forum: Investing - Theory, News & General
Topic: The Brainwashing of the American Investor
Replies: 68
Views: 8809

Re: The Brainwashing of the American Investor

I know it is complex and I did not explain it well.If you google Steve Selengut reviews the first one is on moolanomy....it explains it in one page pretty well.I have read stuff here about CEF's and his opinion is a lot more positive than the bogleheads.

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