Search found 3859 matches

by john94549
Tue Sep 01, 2015 8:20 pm
Forum: Investing - Help with Personal Investments
Topic: Any bad experiences with Online banking?
Replies: 14
Views: 837

Re: Any bad experiences with Online banking?

Have you tried Alliant Credit Union? I've been quite happy with them. The on-line web page is very user-friendly. As for customer service, the only time I've ever had to call, they answered the call on the first ring. My main gripe with financial institutions these days is that they shunt you into a...
by john94549
Tue Sep 01, 2015 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: How and when to rebalance
Replies: 8
Views: 620

Re: How and when to rebalance

I'm a big fan of IRA CDs. Buy a five-year this year, another next year, and so on.
by john94549
Tue Sep 01, 2015 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: If stocks dropped 30% next Monday, would you rebalance?
Replies: 103
Views: 5892

Re: If stocks dropped 30% next Monday, would you rebalance?

I did pick up 10 shares of VTI today at $99.50. Contrarian that I am. Brought me back to 50/50 in my trading account. I suspect I'll be buying when the opportunity avails, and selling when Mr. Market decides to turn. Ironically enough, my trading account is faring ever so much better than anything e...
by john94549
Tue Sep 01, 2015 10:20 am
Forum: Investing - Help with Personal Investments
Topic: If stocks dropped 30% next Monday, would you rebalance?
Replies: 103
Views: 5892

Re: If stocks dropped 30% next Monday, would you rebalance?

OK, it's Tuesday, and the market is in tank mode. My initial inclination is to do nothing. My secondary inclination is also to do nothing. My wife has finally gotten the system down; as the market tanks, she gets more shares with her 401K bi-weekly contribution. She actually asked me today if her co...
by john94549
Tue Sep 01, 2015 9:56 am
Forum: Investing - Help with Personal Investments
Topic: What kind of average annual return should one expect?
Replies: 12
Views: 1312

Re: What kind of average annual return should one expect?

It is quite impossible to predict returns in equities. One wonders if Mrs. Watanabe asked the same question back in 1990. Stocks can go down, and stay down, for quite some time. If one is fearful, then the best bet is to buy "stuff" which can never go down, e.g., CDs.
by john94549
Tue Sep 01, 2015 9:45 am
Forum: Investing - Theory, News & General
Topic: What is the benefit of a CD ladder today?
Replies: 16
Views: 1674

Re: What is the benefit of a CD ladder today?

I prefer to purchase CDs which have at least a chance of yielding a real return. By the process of elimination, I'm limited to CDs with terms of five years or greater. By definition, if you buy a ladder all at once (noted above) you will, perforce, be locked into sub-par yields on the lower rungs. Y...
by john94549
Tue Sep 01, 2015 9:07 am
Forum: Investing - Theory, News & General
Topic: What is the benefit of a CD ladder today?
Replies: 16
Views: 1674

Re: What is the benefit of a CD ladder today?

With this rate environment, it's a bit of a coin flip. Unless you go "all in" on a CD which bests inflation today (but might not in years to come), your cash stash will lose to inflation. If one is getting started on a ladder, going the "1,2,3,4,5-yr" ladder is probably the "...
by john94549
Mon Aug 31, 2015 7:07 pm
Forum: Investing - Theory, News & General
Topic: What is the benefit of a CD ladder today?
Replies: 16
Views: 1674

Re: What is the benefit of a CD ladder today?

A ladder's best bought over time. Takes a bit of patience. I've posted a bit on this concept, so you could search my posts.

Bottom line: no "silver bullets" in fixed-income these days.
by john94549
Sun Aug 30, 2015 5:48 pm
Forum: Personal Consumer Issues
Topic: When a computer crash is worthy
Replies: 6
Views: 885

Re: When a computer crash is worthy

rgs92 wrote:So you just have 1 computer and no smartphone or ipad or any other tablet to get online?


I have no cell-phone (I threw it away when I retired).
by john94549
Sun Aug 30, 2015 5:27 pm
Forum: Investing - Theory, News & General
Topic: Aug 2015 correction: what Bogleheads did...
Replies: 109
Views: 5483

Re: Aug 2015 correction: what Bogleheads did...

Mind you, I suspect having a dead computer the past week probably saved me more than a "live" computer. For better or worse, I still have those "extra" 50 shares of VTI, bought at "somewhat" of a discount. Now that I have a new computer, I checked the balance on my &quo...
by john94549
Sun Aug 30, 2015 9:24 am
Forum: Investing - Help with Personal Investments
Topic: If stocks dropped 30% next Monday, would you rebalance?
Replies: 103
Views: 5892

Re: If stocks dropped 30% next Monday, would you rebalance?

Would I sell some of my IRA CDs? I don't think so. As for bond funds, I might think about it, but probably not.
by john94549
Sun Aug 30, 2015 12:52 am
Forum: Investing - Theory, News & General
Topic: Aug 2015 correction: what Bogleheads did...
Replies: 109
Views: 5483

Re: Aug 2015 correction: what Bogleheads did...

Too funny. I bought 50 shares of VTI just as the market tanked, then my computer died.
by john94549
Sun Aug 30, 2015 12:43 am
Forum: Personal Consumer Issues
Topic: Buying a "dinosaur" laptop
Replies: 28
Views: 3519

Re: Buying a "dinosaur" laptop

I bought the Toshiba. So far, so good. As mentioned in another thread, it takes a bit of getting used to. Again, thanks to poster "Patzer" for the suggestion of the Toshiba. The screen is more than ample, and the price "out-the-door" was quite modest ($379 plus tax). Frankly, I w...
by john94549
Sun Aug 30, 2015 12:33 am
Forum: Personal Consumer Issues
Topic: When a computer crash is worthy
Replies: 6
Views: 885

Re: When a computer crash is worthy

For an up-date, I just purchased a new el-cheapo Toshiba laptop from Best Buy. It was $379 plus tax out-the-door. A 17.3 inch monitor, which even we dinosaurs with failing eye-sight will love. Thanks to another poster herein who recommended the Toshiba. Seems to have all I need. Hard to believe one ...
by john94549
Sat Aug 29, 2015 6:15 pm
Forum: Personal Consumer Issues
Topic: When a computer crash is worthy
Replies: 6
Views: 885

Re: When a computer crash is worthy

Actually, it was a tad weird. But I read the New York Times, read the Economist, read Business Week, even Vanity Fair. Remembered what it was like to be without the internet. Ironically enough, after all the gyrations, without pressing a single button, my trading account was little changed. Stated a...
by john94549
Sat Aug 29, 2015 5:36 pm
Forum: Personal Consumer Issues
Topic: When a computer crash is worthy
Replies: 6
Views: 885

When a computer crash is worthy

Having been unable to access the internet for the past week, I wonder if I am one of the lucky ones.
by john94549
Sat Aug 22, 2015 6:39 am
Forum: Personal Consumer Issues
Topic: Buying a "dinosaur" laptop
Replies: 28
Views: 3519

Re: Buying a "dinosaur" laptop

The weirdness continues. The last few days, the computer has been acting normally. Go figure.

I suspect Mr. Gateway (my computer) read my posts, assumed it was headed for the boneyard, and that was that.

The irony is, I already plopped the money to cover a new computer in my checking account.
by john94549
Fri Aug 21, 2015 9:57 pm
Forum: Personal Consumer Issues
Topic: Blue Apron
Replies: 88
Views: 10657

Re: Blue Apron

It's a little scary that BlueApron chose to use this service for perishables though, as USPS is notorious for taking days to do the final delivery. This whole delivery issue is more than a tad weird. At first, the delivery was plopped in our driveway by person or persons unknown. Then, after a coup...
by john94549
Fri Aug 21, 2015 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: Did a dumb thing [lump summed into market after sitting on cash for years]
Replies: 111
Views: 13017

Re: Did a dumb thing [lump summed into market after sitting on cash for years]

I took one for the team and bought a few shares of VTI (50 to be exact) into the close. Mind you, "into" as opposed to "at"; I parse my words carefully. I try to look at the bright side: (a) it was just "house money" to begin with (gamblers will appreciate), and (b) som...
by john94549
Fri Aug 21, 2015 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Did a dumb thing [lump summed into market after sitting on cash for years]
Replies: 111
Views: 13017

Re: Did a dumb thing [lump summed into market after sitting on cash for years]

As noted, I did pick up a few shares of VTI today. In my trading account. I like to help.
by john94549
Fri Aug 21, 2015 2:51 pm
Forum: Personal Consumer Issues
Topic: Blue Apron
Replies: 88
Views: 10657

Re: Blue Apron

In the never-ending saga of BlueApron deliveries, today, Friday, the delivery was accomplished by (drum roll) the USPS. Mind you, the e-mail made no mention of USPS. It referred to a business called "On Track". With tongue-in-cheek, the delivery service might change its moniker. How the bo...
by john94549
Fri Aug 21, 2015 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Did a dumb thing [lump summed into market after sitting on cash for years]
Replies: 111
Views: 13017

Re: Did a dumb thing [lump summed into market after sitting on cash for years]

the folks on this site were not just a bit shaken up by the downturn and the financial expert's prognostications. Actually, many financial "experts" have noted that Mr. Market was way overdue for a correction, if not a full-blown bear market. Many (if not most) posters herein have lived t...
by john94549
Fri Aug 21, 2015 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: Did a dumb thing [lump summed into market after sitting on cash for years]
Replies: 111
Views: 13017

Re: Did a dumb thing [lump summed into market after sitting on cash for years]

For those still working and contributing to a retirement portfolio, it's just a hiccup. If you threw a ton in at S+P 2100, look at the bright side. You're but half-way to a correction. For those of us with both retirement accounts (re-balance as required, otherwise don't fiddle) and trading/fun mone...
by john94549
Thu Aug 20, 2015 9:53 pm
Forum: Investing - Theory, News & General
Topic: anyone treating this as an RBD (really bad day)
Replies: 95
Views: 10147

Re: anyone treating this as an RBD (really bad day)

have enough cash to cover our expenses for many years and have yet to sell any equities during a down period. We're sort of in the same boat. Enough in IRA CDs to cover age 70 - 85. I always wondered how many others. Thought we might be extremely conservative, but perhaps not. Concept: our yearly e...
by john94549
Thu Aug 20, 2015 9:17 pm
Forum: Investing - Theory, News & General
Topic: anyone treating this as an RBD (really bad day)
Replies: 95
Views: 10147

Re: anyone treating this as an RBD (really bad day)

One can only brag if one has been selling and booking gains into the "up" trend. That failing, all your paper gains were just, well, "paper". For those with long-term investment accounts, days like this are hiccups. For those with trading accounts as well, the key notion was &quo...
by john94549
Thu Aug 20, 2015 7:38 pm
Forum: Investing - Theory, News & General
Topic: A bad day on Wall Street -- A good day for the media.
Replies: 51
Views: 5587

Re: A bad day on Wall Street -- A good day for the media.

Our retirement funds are basically tied up in IRA CDs for the next 15 years. Good luck to all others.
by john94549
Thu Aug 20, 2015 7:27 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1985
Views: 380562

Re: U.S. stocks in freefall

IRA CDs are not in freefall. Prudently laddered, IRA CDs can help fund your retirement. My goodness, this is not "new" news.
by john94549
Thu Aug 20, 2015 7:17 pm
Forum: Personal Consumer Issues
Topic: Blue Apron
Replies: 88
Views: 10657

Re: Blue Apron

Calidude, I suspect what most impressed my wife was the "nouvelle cuisine" aspect. Those of us in our (late) 60's get introduced to new concepts seldom, if ever. Mind you, the concept of melding yogurt with a lamb-burger did not suit my fancy, but my wife loved it. As another example, we f...
by john94549
Thu Aug 20, 2015 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Brokered CDs - 2 interesting things
Replies: 10
Views: 1040

Re: Brokered CDs - 2 interesting things

Should Mr. Market continue its sell-off, I suspect the arcana of CDs (brokered and retail) might become the object of more study.
by john94549
Wed Aug 19, 2015 7:38 pm
Forum: Personal Consumer Issues
Topic: Blue Apron
Replies: 88
Views: 10657

Re: Blue Apron

While having one major "down" experience with BlueApron (see above), generally speaking we have enjoyed the service, which prompted my wife to give them a "second chance". My wife is indeed, a "foodie", and absolutely loves being exposed to BlueApron's new concepts. Min...
by john94549
Wed Aug 19, 2015 7:14 pm
Forum: Personal Consumer Issues
Topic: Blue Apron
Replies: 88
Views: 10657

Re: Blue Apron

retiredjg wrote:
john94549 wrote: FedEx is not their shipper.

I guess that explains why their shipper didn't have your package. :happy


I concur. But it still doesn't explain the mystery of how the box got into the FedEx system to begin with. That mystery will be solved, if at all, by sleuths wiser than yours truly.
by john94549
Wed Aug 19, 2015 6:38 pm
Forum: Personal Consumer Issues
Topic: Blue Apron
Replies: 88
Views: 10657

Re: Blue Apron

The head of customer service at BlueApron contacted my wife this afternoon. The head person, to her credit, admitted that our recent experience was totally unacceptable and she also acknowledged that she was totally befuddled by how our package wound up with FedEx, to be (finally) delivered well aft...
by john94549
Tue Aug 18, 2015 8:47 pm
Forum: Personal Consumer Issues
Topic: Blue Apron
Replies: 88
Views: 10657

Re: Blue Apron

Aargh, so FedEx shows up at our door 15 minutes ago with the BlueApron box which (a) should have been delivered Friday, (b) no doubt has been sitting in a warehouse in 100 degree heat for three to four days, and (c) we clearly cancelled via e-mail and phone. We refused the delivery*. Let me guess, t...
by john94549
Tue Aug 18, 2015 7:45 pm
Forum: Personal Consumer Issues
Topic: Blue Apron
Replies: 88
Views: 10657

Re: Blue Apron

Dispiriting update on BlueApron. Our box did not arrive last Friday. My wife called and e-mailed on Saturday, to no avail. Mind you, if a service is set to deliver on a Friday, their customer service (to report failed deliveries) should be open on Saturday. The customer service (finally) got back to...
by john94549
Tue Aug 18, 2015 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: VWO - Emerging Markets
Replies: 27
Views: 2805

Re: VWO - Emerging Markets

I really see emerging markets as a very-long-term buy-and-hold. As in decades. I doubt I'd be gutsy enough to buy enough shares of VWO to move the needle in my trading account, even on a -3%/+3% RBD/RGD swing trade. After all, the "delta" would be roughly a buck and change in the "dow...
by john94549
Tue Aug 18, 2015 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest in oil thinking oil prices will go up
Replies: 15
Views: 2104

Re: How to invest in oil thinking oil prices will go up

Energy stocks already make up a goodly part of any total market index fund, or total market ETF. That said, if you want to ride this particular pony (even with the potential of Iran's oil hitting the market, which might further depress prices), I'd stick to VDE. Some years back, on a lark, I took a ...
by john94549
Mon Aug 17, 2015 8:34 pm
Forum: Investing - Theory, News & General
Topic: the 12 commandments of gold bugs
Replies: 62
Views: 4386

Re: the 12 commandments of gold bugs

Gold has come up over, and over, and over again in the forum. Gold is not an investment. It's a casino bet. I'd rather bet on a leveraged ETF than gold.
by john94549
Mon Aug 17, 2015 7:54 pm
Forum: Investing - Theory, News & General
Topic: Bernstein: "If you've won the game, stop playing."
Replies: 181
Views: 23926

Re: Bernstein: "If you've won the game, stop playing."

This advice was the best I ever read on Bogleheads. We started shifting to IRA CDs, properly laddered, quite some time ago. Those IRA CDs will now fund our first 15 years of retirement (age 70 - 85), above-and-beyond other retirement income. While we still have a reasonable amount in equities (varie...
by john94549
Mon Aug 17, 2015 7:41 pm
Forum: Investing - Theory, News & General
Topic: When do you notice the compounding at work?
Replies: 52
Views: 7336

Re: When do you notice the compounding at work?

dbr, at long last, I think I understand. Compounding is a broader concept than what I assumed. Thanks for your patience.
by john94549
Mon Aug 17, 2015 7:21 pm
Forum: Investing - Theory, News & General
Topic: Inverse ETFs
Replies: 44
Views: 2819

Re: Inverse ETFs

Another issue with leveraged ETFs (inverse or otherwise) is "tracking error", something I have observed quite a bit. In intra-day trading, a 3X inverse ETF (SPXU comes to mind) might reflect a price above or below the 3X inverse of the S+P 500. I've read various explanations for this pheno...
by john94549
Sun Aug 16, 2015 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: Question about CDs - right for emergency fund
Replies: 9
Views: 1125

Re: Question about CDs - right for emergency fund

Folks should not worry over a few basis points in their emergency fund. As noted above, it's an "emergency" fund. It's designed to be there when you need it.
by john94549
Sun Aug 16, 2015 5:35 pm
Forum: Investing - Theory, News & General
Topic: When do you notice the compounding at work?
Replies: 52
Views: 7336

Re: When do you notice the compounding at work?

dbr, so, you're agreeing with me? Equities might (or might not) "grow", but they most assuredly do not "compound" in the technical sense.
by john94549
Sun Aug 16, 2015 5:15 pm
Forum: Investing - Theory, News & General
Topic: When do you notice the compounding at work?
Replies: 52
Views: 7336

Re: When do you notice the compounding at work?

Naturally the compound growth of equities can be very noisy, either increasing or decreasing in each period, having both growth and decline trends, and not necessarily ending up any extended period with a positive gain. Exactly. Equities might, or might not, grow in value. That said, whatever they ...
by john94549
Sun Aug 16, 2015 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Question about CDs - right for emergency fund
Replies: 9
Views: 1125

Re: Question about CDs - right for emergency fund

Seriously, for an emergency fund, it's seldom about "early withdrawal penalties". It's more like "can I access the money NOW?" The last thing you need to worry about when your water heater fails, or your roof leaks, is how to redeem money from a CD. While garden-variety savings a...
by john94549
Sun Aug 16, 2015 12:21 pm
Forum: Investing - Theory, News & General
Topic: When do you notice the compounding at work?
Replies: 52
Views: 7336

Re: When do you notice the compounding at work?

I think you are trying to say CD compounding is predictable and equities is not. Correct. To assume equities will compound requires myriad assumptions, some of which might be true, while others might not. In my humble opinion, compound interest is just math. Last I checked, just about every site &q...
by john94549
Sun Aug 16, 2015 10:59 am
Forum: Investing - Theory, News & General
Topic: What to do with cash: How about these?
Replies: 7
Views: 1631

Re: What to do with cash: How about these?

johnra wrote:
The assets are held in an IRA.


As are my IRA CDs.
by john94549
Sun Aug 16, 2015 6:37 am
Forum: Investing - Theory, News & General
Topic: End of 30 yr. Bull run on bonds, what now
Replies: 51
Views: 3752

Re: End of 30 yr. Bull run on bonds, what now

It's axiomatic. Bond funds these days are great for re-balancing, but little else. Personally, I stick with my CD ladder.
by john94549
Sun Aug 16, 2015 6:21 am
Forum: Investing - Theory, News & General
Topic: What to do with cash: How about these?
Replies: 7
Views: 1631

Re: What to do with cash: How about these?

As noted in other threads, the best place to park cash is in a garden-variety savings account. Get to a certain point, a 5-yr ladder of 5-yr CDs makes sense.
by john94549
Sun Aug 16, 2015 5:42 am
Forum: Investing - Theory, News & General
Topic: International funds getting money flows
Replies: 20
Views: 1818

Re: International funds getting money flows

Last I checked, my VEMAX roller-coaster was still testing the depths. What a sea-change from April 20. I'm not selling, but I'm sure not buying. An acquaintance just came back from a vacation in Bali. He noted the currency exchange rate was "quite favorable". Enough said. Those of us with ...

Go to advanced search