Search found 1325 matches

Return to advanced search

Re: Paying $1,000/yr to Vanguard ! Please Help Me

You say you would deliberate over any $1000 expenses. I assume that's to determine if they are worth. I assume you must decide some things are worth spending money on. Do you feel you are getting your money's worth from Vanguard? Your other options are to trade yourself, invest with another broker, ...
by momar
Sat Mar 08, 2014 5:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Paying $1,000/yr to Vanguard ! Please Help Me
Replies: 40
Views: 6705

Re: Bitcoins as investment

Six months ago: bitcoins are super secure because there is a distributed global record of them. Now: Gosh, didn't everyone know that you need to do these 20 things to keep your bitcoins safe? People who weren't as tech savvy as me (at least, as savvy as I am now after reading what went wrong and how...
by momar
Sat Mar 01, 2014 2:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bitcoins as investment
Replies: 190
Views: 10560

Re: Is there a way for you and I to borrow at the Fed rate?

Are you as credit worthy as the US government?
by momar
Sun Dec 01, 2013 8:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is there a way for you and I to borrow at the Fed rate?
Replies: 11
Views: 1095

Re: WSJ Bogle Father/Son article

[OT comments removed by admin LadyGeek]
by momar
Fri Nov 29, 2013 9:09 pm
 
Forum: Investing - Theory, News & General
Topic: WSJ Bogle Father/Son article
Replies: 16
Views: 1878

Re: TIPS & Inflation Bonds - Theory

People use TIPS as a speculative asset. Don't believe it? See how nuts people get about 'imminent' inflation in an era of almost non-existent inflation. I also disagree that only real returns and not nominal returns are meaningful. Many of my fixed short term and medium term expenses and even some l...
by momar
Thu Nov 28, 2013 4:39 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS & Inflation Bonds - Theory
Replies: 35
Views: 2285

Re: When do you stop worrying about saving?

Just go out and spend some money. Don't think about it, just do it. Keep doing it until it becomes second nature.

Practice makes perfect.
by momar
Tue Nov 26, 2013 2:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: When do you stop worrying about saving?
Replies: 52
Views: 4819

Re: Best Personal Service for Near-Retiree w/ $1m+

Why don't all you guys/gals go visit a Scottrade office sometime. I am pretty sure there is one nearby. I know first hand they have better service than Fidelity or Vanguard. They are low cost and maybe even lower cost than Vanguard for many low $$ investors. They sell all kinds of funds including a...
by momar
Tue Nov 26, 2013 11:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Best Personal Service for Near-Retiree w/ $1m+
Replies: 34
Views: 2192

Re: should my nephew apply to a top-tier university?

Malcolm Gladwell, who has a new book out, “David and Goliath”, was on 60-Minutes Sunday and had this to say about going to an Ivy League school. Malcolm Gladwell: Even if you are. Right? It doesn't—if you're last in your class at Harvard, it doesn't feel like you're a good student, even though you ...
by momar
Tue Nov 26, 2013 11:07 am
 
Forum: Personal Finance (Not Investing)
Topic: should my nephew apply to a top-tier university?
Replies: 274
Views: 11277

Re: Best Personal Service for Near-Retiree w/ $1m+

Why don't all you guys/gals go visit a Scottrade office sometime. I am pretty sure there is one nearby. I know first hand they have better service than Fidelity or Vanguard. They are low cost and maybe even lower cost than Vanguard for many low $$ investors. They sell all kinds of funds including a...
by momar
Tue Nov 26, 2013 10:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Best Personal Service for Near-Retiree w/ $1m+
Replies: 34
Views: 2192

Re: Share the (real) ways you do financial arithmetic mental

That's also what I do.

For tips, it's easy enough to move the decimal over one and then add half.
by momar
Tue Nov 26, 2013 9:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Share the (real) ways you do financial arithmetic mentally
Replies: 48
Views: 2181

Re: A self constructed annuity

You are going to have to actually explain how you are not confusing this with a SWR.
by momar
Tue Nov 26, 2013 9:36 am
 
Forum: Investing - Help with Personal Investments
Topic: A self constructed annuity
Replies: 18
Views: 1452

Re: Best Personal Service for Near-Retiree w/ $1m+

My Flagship rep has always been prompt getting back to me whenever I send an email through the web site.
by momar
Mon Nov 25, 2013 11:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best Personal Service for Near-Retiree w/ $1m+
Replies: 34
Views: 2192

Re: Safest cars for under $30k?

VictoriaF wrote:
chaz wrote:I feel safe in my corolla.


I feel safe in my Civic.

Cheers,
Victoria

I wouldn't expect you to use this as a criteria for whether a vehicle is safe or not.
by momar
Mon Nov 25, 2013 4:00 pm
 
Forum: Personal Consumer Issues
Topic: Safest cars for under $30k?
Replies: 40
Views: 2614

Re: S&P beats 421 Bogleheads guess [2013 Contest]

Did they shut down the market for the rest of the year?
by momar
Mon Nov 25, 2013 3:03 pm
 
Forum: Investing - Theory, News & General
Topic: S&P beats 421 Boglehead guesses [2013 Contest]
Replies: 13
Views: 1713

Re: Safest cars for under $30k?

Mazda CX-5 scores well in crash tests and comes with blind spot monitoring at higher trim levels and low speed automatic braking is optional. Highway mileage is also 30 or better. Top trim level can be had for 27k.
by momar
Sun Nov 24, 2013 10:44 pm
 
Forum: Personal Consumer Issues
Topic: Safest cars for under $30k?
Replies: 40
Views: 2614

Re: Money management for newlyweds?

If one person is a bigger spender than the other and this causes friction (either because they are spending too much or not getting to spend enough), having separate accounts to spend out of will create the same friction. After all, how do you decide how much goes in to each of these accounts each m...
by momar
Sat Nov 16, 2013 5:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Money management for newlyweds?
Replies: 14
Views: 1033

Re: Claiming Unclaimed/Withheld Money from the State

I've gotten money from both PA and FL. I just used the state unclaimed property sites and mailed in the forms with a photocopy of my driver's license.
by momar
Thu Nov 14, 2013 9:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Claiming Unclaimed/Withheld Money from the State
Replies: 11
Views: 635

Re: My relatives insulted my family for 40 years and think t

I told her she needed to inform her daughter of the change or drop me as executor in the next week. I was totally out of line for not providing a slap in the face from beyond the grave for her. I was just going to make a comment that you need to inform them, as this poster urged his grandmother to ...
by momar
Thu Nov 14, 2013 9:32 am
 
Forum: Personal Finance (Not Investing)
Topic: My relatives insulted my family for 40 years and think they
Replies: 131
Views: 10430

Re: "Why baby boomers won't bust the market"

So the boomers take their savings out of the market to spend it. Prices drop, but profits go up. I'll just make up any drop in prices with increased dividends.
by momar
Thu Nov 14, 2013 8:35 am
 
Forum: Investing - Theory, News & General
Topic: "Why baby boomers won't bust the market"
Replies: 13
Views: 1753

Re: Dying with $1 in Pocket

FIL recently passed with a one dollar bill in his pocket. His social security stopped before his last bills could be paid--he had a shell game going for what bills he paid and when, not one penny saved. Your father-in-law won the game. I aspire to spend my last dollar and then die too, but it's ver...
by momar
Wed Nov 13, 2013 11:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Dying with $1 in Pocket
Replies: 52
Views: 3074

Re: Gee, I coulda had an I-Bond instead!

Yep, it's true that investing in stocks has risk. And that risk is a word with real meaning.
by momar
Wed Nov 13, 2013 12:15 am
 
Forum: Investing - Theory, News & General
Topic: Gee, I coulda had an I-Bond instead!
Replies: 53
Views: 4510

Re: How do you compare the value of a 401k match with salary

I commented on the advice you gave, not the advice you didn't didn't. You said "Since the 401k has more money invested, it will win." This is complete and utter garbage. The $6k of employer matching is never subject to FICA. The $6k of extra income would have to pay FICA (you are correct ...
by momar
Fri Nov 08, 2013 7:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do you compare the value of a 401k match with salary?
Replies: 16
Views: 1745

Re: Best way to sell old engagement ring

Nice that you got it back.
by momar
Fri Nov 08, 2013 7:03 pm
 
Forum: Personal Consumer Issues
Topic: Best way to sell old engagement ring
Replies: 47
Views: 3696

Re: Small Cap Premium = January Effect?

nisiprius wrote:Good grief.

I think it's the "million monkey" effect. If you set a million monkeys to work looking at financial data searching for bananas, given sufficiently long time, they would find a lot of bananas.

Do you know where they found all those bananas? I want to look there, too.
by momar
Fri Nov 08, 2013 9:12 am
 
Forum: Investing - Theory, News & General
Topic: Small Cap Premium = January Effect?
Replies: 11
Views: 1110

Re: How do you compare the value of a 401k match with salary

Depends on how much I am making. If its way more than I need, the match is very valuable. If it's just enough to meet my needs, the match is worthless. If it is a little more than that, the match is worth less than the equivalent salary; how much less depends on how far I am from retirement. And so ...
by momar
Mon Nov 04, 2013 11:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do you compare the value of a 401k match with salary?
Replies: 16
Views: 1745

Re: assuming no financial aid; how much per child in 529?

It's important to remember that there is no reason you are guaranteed a return on your capital, especially in a world awash in it. Correct,but, I guess because I am an American citizen, I don't view it as normal , that the "normal" rate of return on savings, after taxes, would be negative...
by momar
Sun Nov 03, 2013 1:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: assuming no financial aid; how much per child in 529?
Replies: 33
Views: 1890

Re: assuming no financial aid; how much per child in 529?

Well yah'll certainly convinced me. As of Tuesday, there will be 140k in the 529. On the one hand I'm thankful for the 529 vehicle. On the other hand, it really put into perspective for me -- current tax/monetary/fiscal policy causes wealth to shrink, on a triple net real basis. If prospective retu...
by momar
Sun Nov 03, 2013 1:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: assuming no financial aid; how much per child in 529?
Replies: 33
Views: 1890

Re: assuming no financial aid; how much per child in 529?

If something can't continue forever, it won't.
by momar
Sat Nov 02, 2013 8:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: assuming no financial aid; how much per child in 529?
Replies: 33
Views: 1890

Re: "Get out of bond funds"

Suze likes to pretend that her individual bonds haven't lost value if rates go up because she holds them to maturity, unlike a bond fund where you are forced to see what your bonds are worth. Yes, she will get the face value back at the end. But if I hold a bunch of bonds yielding 2% and rates go to...
by momar
Sat Nov 02, 2013 10:41 am
 
Forum: Investing - Theory, News & General
Topic: "Get out of bond funds"
Replies: 50
Views: 8347

Re: Four-fund max?

Why do you need 4 whole funds? Seems like 2 would be enough, with the advent of total world stock funds.
by momar
Fri Nov 01, 2013 5:39 pm
 
Forum: Investing - Theory, News & General
Topic: Four-fund max?
Replies: 17
Views: 2330

Re: Men's Leather Belt: Recommendations?

I don't think I've ever had a belt break on me. I've had them look worn, or had to change holes after a while and the thing is deformed. But how are you guys breaking your belts? I wear the same one every day that I get at Kohl's on the cheap.
by momar
Fri Nov 01, 2013 10:24 am
 
Forum: Personal Consumer Issues
Topic: Men's Leather Belt: Recommendations?
Replies: 45
Views: 4606

Re: Sci-Fi Short Story Recs

Bears Discover Fire by Terry Bisson
by momar
Tue Oct 29, 2013 3:50 pm
 
Forum: Personal Consumer Issues
Topic: Sci-Fi Short Story Recs
Replies: 60
Views: 3140

Re: CPI - u calculation changed?

Shadowstats is a joke. The guy just adds a number onto the CPI and says that's true inflation. If we really had inflation that much higher than officially reported, you would know it because your standard of living compared to 20 years ago would be dramatically lower.
by momar
Sun Oct 27, 2013 8:35 pm
 
Forum: Investing - Theory, News & General
Topic: CPI - u calculation changed?
Replies: 19
Views: 1183

Re: Rational or behavioral & 3 factor is quite shaky

Wait, now there's a 6th factor (investment)? When did that happen?

I think these guys are going to have trouble now (finding 7, 8, 9 etc). Doesn't excel only go up to 6th order polynomials?
by momar
Sun Oct 27, 2013 1:24 pm
 
Forum: Investing - Theory, News & General
Topic: Rational or behavioral & 3 factor is quite shaky
Replies: 15
Views: 1190

Re: CNBC Admits Passive has been beating active

Ged wrote:Yet at the same time it's a stock pickers market.

Yep, just need to pick all of them.
by momar
Sat Oct 26, 2013 11:00 am
 
Forum: Investing - Theory, News & General
Topic: CNBC Admits Passive has been beating active
Replies: 6
Views: 1196

Re: Should I Buy in this Market?

You could find people asking this question every week for the past few years.

Actually, probably forever. Regardless of if the market is high or low, up or down.
by momar
Tue Oct 22, 2013 8:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I Buy in this Market?
Replies: 22
Views: 3242

Re: Best careers for people about to enter college?

I'm an engineer. I don't doubt I could find another job relatively quickly if I had to, but I would have to move for it. I can't just decide I want to live somewhere else and do it, I would have to make sure I found employment first. My sister is a CPA. She could also find a job relatively quickly. ...
by momar
Mon Oct 21, 2013 10:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best careers for people about to enter college?
Replies: 69
Views: 5093

Re: Is it ever a good idea to sell at a loss?

If your brother had 41k to invest today, would he buy this fund? Probably not. So sell the darn thing and invest wisely. And enjoy the extra couple grand of tax benefits.
by momar
Mon Oct 21, 2013 9:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is it ever a good idea to sell at a loss?
Replies: 27
Views: 2014

Re: TIPS - Going Down with the Ship?

I didn't read the whole thread. But I don't like TIPS because I feel like the inflation component encourages speculation. This, in fact, seems to be the defining feature of TIPS.
by momar
Sat Oct 19, 2013 9:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIPS - Going Down with the Ship?
Replies: 112
Views: 12437

Re: Social Security and Retirement Costs

Projections decades into the future are meaningless. To see that this is so for this particular case, find a table showing the projected year the trust fund runs out, by year. I've seen it, but am on my mobile now and can't look for it. We can't predict the economy with much certainty a few years ou...
by momar
Sat Oct 19, 2013 8:01 pm
 
Forum: Investing - Theory, News & General
Topic: Social Security and Retirement Costs
Replies: 21
Views: 1665

Re: Help me understand how rebalancing affects compounding

Rebalancing doesn't win in the long run. You are by definition moving money from higher return to lower return asset classes, on average.

It may or may not win; it depends on what everything does.

Rebalancing DOES allow you to maintain a risk profile appropriate for your situation.
by momar
Sat Oct 19, 2013 1:41 pm
 
Forum: Investing - Theory, News & General
Topic: Help me understand how rebalancing affects compounding
Replies: 34
Views: 1631

Re: Suze Orman on NBC Nightly News [doesn't like bond funds]

Just because you own individual bonds and aren't paying attention to their value doesn't mean they don't also lose value when interest rates rise.
by momar
Fri Oct 18, 2013 8:30 am
 
Forum: Investing - Theory, News & General
Topic: Suze Orman on NBC Nightly News [doesn't like bond funds]
Replies: 46
Views: 6966

Re: Shouldn't we all be 50/50

Why would being 50/50 follow from the observation that stocks could drop 50% or more?
by momar
Thu Oct 17, 2013 11:17 am
 
Forum: Investing - Theory, News & General
Topic: Shouldn't we all be 50/50
Replies: 44
Views: 3118

Re: Why no Total World Stock Index admiral shares?

Too new and/or too small. I'm sure they'll offer them eventually.
by momar
Wed Oct 16, 2013 3:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why no Total World Stock Index admiral shares?
Replies: 3
Views: 598

Re: Living on $5,000 a year

"I like being able to do what I want to do," said Price, who pays $100 a year for his land. "I don't believe in houses or mortgages. Who in their right mind would spend their lifetime paying for a building they never get to spend time in because they are always working?" I don't...
by momar
Mon Oct 14, 2013 10:43 am
 
Forum: Personal Consumer Issues
Topic: Living on $5,000 a year
Replies: 28
Views: 2732

Re: best way to store your gold & silver

Just a note about hiding it or burying it in various places. Make sure to have a record of where you put it, especially if you use a bunch of spots. And make sure your next of kin knows, too. I know people that have bought houses after their long time owners passed and they found thousands tearing u...
by momar
Mon Oct 14, 2013 10:36 am
 
Forum: Personal Consumer Issues
Topic: best way to store your gold & silver
Replies: 23
Views: 1632

Re: best way to store your gold & silver

If you have a little bit, taped to the back of an electrical outlet faceplate.

If you have more, inside an air vent in the nursery.

If you have a lot, in the crawl space underneath your house.

If you have a fortune, buried outside of town.
by momar
Sun Oct 13, 2013 9:47 pm
 
Forum: Personal Consumer Issues
Topic: best way to store your gold & silver
Replies: 23
Views: 1632
Next

Return to advanced search