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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: 9
Views: 710

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: 9
Views: 710

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: 150
Views: 9639

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: 2856

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: 146
Views: 9711

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: 11486

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: 222
Views: 18699

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: 1653

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: 53
Views: 5233

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: 53
Views: 5233

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: 2841

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: 2841

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: 4968

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: 53
Views: 5233

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: 53
Views: 5233

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: 53
Views: 5233

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: 70
Views: 12540

Lump sum question

My wife has a small pension plan that she qualified for beginning in February. Options 355 per month for life or 56,000 lump sum now...or Wait until 70 585 per month or 81,000 lump sum These are called estimates on the official site but I am assuming the totals for 5 years out are close to actual. W...
by hoops777
Sat Nov 15, 2014 12:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lump sum question
Replies: 1
Views: 340

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

Johno...I own a house and it is paid for.I am not hung up on housing prices.Anyway it doesn't matter!I guess it was just my imagination when I spent 3 years living in Arizona and the Bay Area,commuting back and forth that a lot of stuff cost a little more here than there.Gasoline wasn't 40 or 50 cen...
by hoops777
Mon Nov 10, 2014 10:28 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

Johno if you actually read the posts on this thread It is quite clear that I understand now that the CPI has nothing to do with higher real estate prices in SF or NY.If you read all of the posts on the other thread you will see that I apologized for not understanding the CPI.This discussion is not a...
by hoops777
Sun Nov 09, 2014 9:06 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

It can get a little complicated when you start comparing cost of living to inflation,which in all honesty I was doing.The problem living in SF vs a low cost area is the higher numbers.If one year in a assisted living unit in SF costs 100,000 a year vs 50,000 a year in Oklahoma,if they both increase ...
by hoops777
Sun Nov 09, 2014 12:59 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

Nisprius makes a good point that I was not considering.On the other thread some posters were pretty adament about IBonds bought today absolutely preserving their 2014 buying power 20 to 30 years down the road.I am buying them because I am very conservative and will take what they give me but I have ...
by hoops777
Sat Nov 08, 2014 6:47 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

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
by hoops777
Sat Nov 08, 2014 1:49 pm
 
Forum: Investing - Theory, News & General
Topic: Do IBonds make sense living in a high inflation area
Replies: 30
Views: 2983

Do IBonds make sense living in a high inflation area

A simple question.With IBonds at 0 or almost 0 base rate the last few years,is it a sound investment if one lives in an area like SF or NY which has a much higher rate of inflation?This has nothing to do with how CPI is figured,but is simply asking the question should where you live influence whethe...
by hoops777
Sat Nov 08, 2014 12:26 pm
 
Forum: Investing - Theory, News & General
Topic: Do IBonds make sense living in a high inflation area
Replies: 30
Views: 2983

Re: Money saved by buying a hybrid or electric car?

The Leaf seems to have the same basic range as the BMW I3.to me if you are going to buy an EV pony up and install the fast charger in your garage.Our I3 charges in about 3 hours while we are sleeping.They say the I3 takes about 17 hours in a standard outlet.I do not know and do not want to know.I ta...
by hoops777
Wed Nov 05, 2014 10:10 pm
 
Forum: Personal Consumer Issues
Topic: Money saved by buying a hybrid or electric car?
Replies: 81
Views: 6292

Re: iBonds at zero % fixed

Ok,an apology....Oh well...I realize that I am not an expert in any sense regarding anything to do with economics or finance.I apologize for not really understanding the depths of how the CPI is figured or that housing prices have nothing to do with it. The issue that I was mostly referring to was t...
by hoops777
Wed Nov 05, 2014 9:48 pm
 
Forum: Investing - Theory, News & General
Topic: iBonds at zero % fixed
Replies: 84
Views: 9053

Re: iBonds at zero % fixed

Ok.I am hearing that my argument is void of any factual evidence even though I presented the facts of a Northern Calif Bay Area resident regarding expenses.Is it really an outlier position that if you live in NY or SF that the rate paid by ibonds will not keep up with todays buying power as it might...
by hoops777
Wed Nov 05, 2014 8:41 pm
 
Forum: Investing - Theory, News & General
Topic: iBonds at zero % fixed
Replies: 84
Views: 9053

Re: iBonds at zero % fixed

This is not political but I believe a reason to buy or not buy ibonds at the current level.Here is my reality and my facts living in the Bay Area.I bought my house 5 years ago for 465K and you can buy it today for 675k.My health insurance has almost doubled from about 550 to 950.5 years ago you coul...
by hoops777
Wed Nov 05, 2014 6:57 pm
 
Forum: Investing - Theory, News & General
Topic: iBonds at zero % fixed
Replies: 84
Views: 9053

Re: iBonds at zero % fixed

Where you live matters a great deal.I live in Northern Calif where the inflation rate is quite different than most other areas of the country.Buying ibonds for me will have a different outcome than someone living in Oklahoma.I may have missed it but have not seen that issue discussed. The CPI does n...
by hoops777
Wed Nov 05, 2014 2:47 pm
 
Forum: Investing - Theory, News & General
Topic: iBonds at zero % fixed
Replies: 84
Views: 9053

Re: iBonds at zero % fixed

[OT comments removed by admin LadyGeek]
by hoops777
Wed Nov 05, 2014 12:52 pm
 
Forum: Investing - Theory, News & General
Topic: iBonds at zero % fixed
Replies: 84
Views: 9053

Re: iBonds at zero % fixed

[OT comment removed by admin LadyGeek]
by hoops777
Tue Nov 04, 2014 10:41 pm
 
Forum: Investing - Theory, News & General
Topic: iBonds at zero % fixed
Replies: 84
Views: 9053

Re: Money saved by buying a hybrid or electric car?

Prii?And you are wondering why you are having some social issues :) Hey,are you related to the great James Naismith who invented the great game of basketball?
by hoops777
Tue Nov 04, 2014 7:16 pm
 
Forum: Personal Consumer Issues
Topic: Money saved by buying a hybrid or electric car?
Replies: 81
Views: 6292

Re: BND or a CD

Dbr....oh well ....my definition of LMP may not be correct but I just consider it to be my risk free money or money I do not have to worry about.I know there is inflation risk but my ibonds are grouped with my CD's.So I look at my investments in the 3 groups.....almost riskless,a little bit risky an...
by hoops777
Tue Nov 04, 2014 6:13 pm
 
Forum: Investing - Theory, News & General
Topic: BND or a CD
Replies: 119
Views: 9781

Re: BND or a CD

Grayfox....I like your analysis.I put CD's in my LMP,my bond funds in my low risk portfolio and stocks in my high risk.I did it without your technical analysis but just used my uncommon sense. :D
by hoops777
Tue Nov 04, 2014 4:53 pm
 
Forum: Investing - Theory, News & General
Topic: BND or a CD
Replies: 119
Views: 9781

Re: iBonds at zero % fixed

I do not really believe an ibond 30 yrs from now is going to be 10,000 in 2014 dollars.It would be if the true inflation rate was used but......I will leave it at that.
by hoops777
Tue Nov 04, 2014 4:42 pm
 
Forum: Investing - Theory, News & General
Topic: iBonds at zero % fixed
Replies: 84
Views: 9053

Re: Money saved by buying a hybrid or electric car?

It must be where you live.In Calif there are so many Prius's on the road that is one of the most popular cars.The thing about the Prius besides the gas is it is a great size...not too big but not too small and it has the room of a small SUV with the seats down.
by hoops777
Tue Nov 04, 2014 4:34 pm
 
Forum: Personal Consumer Issues
Topic: Money saved by buying a hybrid or electric car?
Replies: 81
Views: 6292

Re: Money saved by buying a hybrid or electric car?

The prices have come down on the plug in.That is a good deal with the rebate.My wife has a BMW I3 and I have a 2007 Prius.The BMW is a great car if it fits in with your driving distances.If you drive it in regular mode and are going 70 mph on the freeway it has a range of about 70 miles.It has two o...
by hoops777
Tue Nov 04, 2014 12:28 pm
 
Forum: Personal Consumer Issues
Topic: Money saved by buying a hybrid or electric car?
Replies: 81
Views: 6292

Re: iBonds at zero % fixed

I was disappointed in the new ibond rate but then after thinking about it......if it was a whopping .20 instead on the base rate does it even matter?1.67 per month on 10,000..of course that will increase at some point to maybe 2.00 month in about 15 or 20 years :D
by hoops777
Tue Nov 04, 2014 12:03 pm
 
Forum: Investing - Theory, News & General
Topic: iBonds at zero % fixed
Replies: 84
Views: 9053

Re: Money saved by buying a hybrid or electric car?

Ok.I know I can buy a base Prius for about 22k.I have not priced the Plug in recently.I still do not understand why they cannot get at least 25 miles on the electric with all of the technology.I will check what the plug ins cost.Thanks.
by hoops777
Tue Nov 04, 2014 9:33 am
 
Forum: Personal Consumer Issues
Topic: Money saved by buying a hybrid or electric car?
Replies: 81
Views: 6292

Re: Money saved by buying a hybrid or electric car?

Mmmodem...your figures are interesting but I am not sure I am in agreement.You are not comparing a base Prius to the plug in.If you are comparing the non -plug in Prius with all the upgrades it comes out much different than the 22,000 or so base grade Prius.It also matters where and how far you driv...
by hoops777
Mon Nov 03, 2014 10:38 pm
 
Forum: Personal Consumer Issues
Topic: Money saved by buying a hybrid or electric car?
Replies: 81
Views: 6292

Re: BND or a CD

Yes I do think an expected 2 pct return is pathetic if it is for 5 years especially when it is not guaranteed.I as well as many others here are hoping PenFed comes out with another 3 pct 5 yr CD.That is almost like finding the holy grail with current rates but in reality is 3 pct for 5 years really ...
by hoops777
Sun Nov 02, 2014 9:00 pm
 
Forum: Investing - Theory, News & General
Topic: BND or a CD
Replies: 119
Views: 9781

Re: Money saved by buying a hybrid or electric car?

Sorry I was wrong about the range of the plug in prius.....I do not understand the point of the car when the electric range is such a joke.As I said though the prius is a great car.
by hoops777
Sun Nov 02, 2014 1:50 pm
 
Forum: Personal Consumer Issues
Topic: Money saved by buying a hybrid or electric car?
Replies: 81
Views: 6292

Re: BND or a CD

It is amazing how much time and effort is put in agonizing over the puny returns either investment is currently paying. :annoyed What really bothers me is knowing that I can invest a large sum in BND knowing that my returns will almost certainly be pathetic and I may also be looking at a negative re...
by hoops777
Sun Nov 02, 2014 1:43 pm
 
Forum: Investing - Theory, News & General
Topic: BND or a CD
Replies: 119
Views: 9781

Home drinking water system

Anyone have any recommendations for drinking water systems?We are looking for an instant hot/cold water dispenser that has a RO system built in.Were looking at Apec and Crystal Quest online.We are in Northern Calif in the East Bay.Thanks.
by hoops777
Sun Nov 02, 2014 1:17 pm
 
Forum: Personal Consumer Issues
Topic: Home drinking water system
Replies: 0
Views: 220

Re: Money saved by buying a hybrid or electric car?

I did not read all the posts but I have a Prius and my brother has a prius plug in.Do not waste the extra money on a plug in that has such horrible range...about 15 miles and that varies if you drive on the freeway.Prius is a great car but I will not buy a plug in until they increase the range to at...
by hoops777
Sat Nov 01, 2014 2:43 pm
 
Forum: Personal Consumer Issues
Topic: Money saved by buying a hybrid or electric car?
Replies: 81
Views: 6292

Re: My favorite Vanguard balanced fund

I have a suggestion.Invest in the 60/40 balanced index and add the inter term corp to make it 50/50.Also cuts down a bit on too many treasuries that the total bond has.
by hoops777
Sat Nov 01, 2014 2:33 pm
 
Forum: Investing - Theory, News & General
Topic: My favorite Vanguard balanced fund
Replies: 20
Views: 4173

Re: Bogleheads.org equivalents for other areas of life?

Amazon.com if you are looking to buy something and want to see unbiased reviews from people who have already bought whatever it is.There is also an area with questions and answers about the product sometimes depending on what it is
by hoops777
Tue Oct 28, 2014 9:28 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads.org equivalents for other areas of life?
Replies: 70
Views: 7630

Re: Gross Yearly Income needed in Retirement (Speculation)

You are right Bradshaw not too many people here need to hear what I was preaching......but if I maybe saved one person from early retirement so they could pound the pavement for 5 more years my mission is accomplished :twisted:
by hoops777
Tue Oct 28, 2014 6:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gross Yearly Income needed in Retirement (Speculation)
Replies: 159
Views: 12941

Re: Gross Yearly Income needed in Retirement (Speculation)

Avalpert and Bradshaw...I do not understand what Bradshaw said about eliminating SS....I never said anything about SS but I consider it to be the most important asset a retiree has. Avalpert....You are right ,nothing in life is 100 pct guaranteed but treasuries and CD's are a lot more guaranteed tha...
by hoops777
Tue Oct 28, 2014 3:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gross Yearly Income needed in Retirement (Speculation)
Replies: 159
Views: 12941

Re: Gross Yearly Income needed in Retirement (Speculation)

I am saying treasuries,cd's,ibonds and GO highest rated Muni's are guaranteed safe money.If some catstrophic event occured which caused these to lose money it would no longer matter because there would be chaos.The stock market however could return nothing or lose money over a prolonged period of ti...
by hoops777
Tue Oct 28, 2014 12:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Gross Yearly Income needed in Retirement (Speculation)
Replies: 159
Views: 12941
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