Search found 208 matches

Return to advanced search

Re: Anybody using dash cameras?

Is anyone worried about the fact that your own dash-cam footage will be evidence against YOU in the event of an accident In places where dash cams are exceedingly popular, it's usually to protect themselves in a lawsuit or insurance claim after the accident. . . . And as an aside, your rear-end col...
by noyopacific
Thu Oct 30, 2014 1:42 am
 
Forum: Personal Consumer Issues
Topic: Anybody using dash cameras?
Replies: 24
Views: 4786

Re: If I am a LT investor, should I forgo a bond allocation?

The only thing I have to add is that the quality of advice you are getting in this forum is awesome !
by noyopacific
Thu Oct 30, 2014 12:03 am
 
Forum: Investing - Theory, News & General
Topic: If I am a LT investor, should I forgo a bond allocation?
Replies: 28
Views: 2027

Re: Help I'm a trader

I would reconsider your beliefs about the absolute infallibility of the Efficient Market Hypothesis. This hypothesis has frequently been used as a yardstick by which academics and statisticians might test various ideas about securities prices and the behavior of markets. The guiding question often s...
by noyopacific
Wed Oct 29, 2014 10:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help I'm a trader [looking for career advice]
Replies: 4
Views: 889

Re: "Vanguard 'Bogleheads' Crazy for 'Saint' Jack Bogle?"

sorry if this is obvious but what exactly does "Vanguard would place ownership of the funds with the shareholders themselves" mean? Unlike other mutual fund companies, Vanguard is not owned by a private group, like Fidelity, or public shareholders, like Schwab. It means there is nobody ot...
by noyopacific
Fri Oct 24, 2014 10:26 am
 
Forum: Investing - Theory, News & General
Topic: "Vanguard 'Bogleheads' Crazy for 'Saint' Jack Bogle?"
Replies: 8
Views: 1797

Re: Gold: Is now the time?

Apparently the OP is unaware of The Bogleheads Philosophy item #4: "Never try to time the market."
If so, please go to the Bogleheads wiki and read up on anything you can find about market timing.
by noyopacific
Mon Oct 13, 2014 10:49 am
 
Forum: Investing - Theory, News & General
Topic: Gold: Is now the time?
Replies: 36
Views: 2305

Re: How to win the loser's game #6

This is kind of like listening to a new arrangement of a favorite piece of music. Despite the fact that there wasn't a single new idea presented, I enjoyed the presentation.
by noyopacific
Sun Oct 12, 2014 4:03 pm
 
Forum: Investing - Theory, News & General
Topic: How to win the loser's game #6
Replies: 2
Views: 973

Re: FOMC announcements and a equity premium puzzle

Interesting question. I'll confess it may have been a little over my head. I enjoyed Ken French's comments about the question of randomness. It made me recall the Super-Bowl Effect (SBI,) where predicting the direction of the stock market over the next year could be done by observing who won the Sup...
by noyopacific
Sun Oct 12, 2014 3:40 pm
 
Forum: Investing - Theory, News & General
Topic: FOMC announcements and a equity premium puzzle
Replies: 1
Views: 381

Re: Stay with CalSTRS or move to CalPERS?

I'd seriously consider the dual-enrollment option. This was my fathers situation. He had worked briefly for the CA Dept of Edu (CalPERS) but mostly as a public school teacher (CalSTERS.) There are some small differences in benefits offered and he benefitted significantly from the opportunity to doub...
by noyopacific
Sun Oct 12, 2014 3:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Stay with CalSTRS or move to CalPERS?
Replies: 7
Views: 1070

Re: Do you every turn your smart phone off?

I turn off my iPhone and reboot when it starts acting up. This happens less frequently than once a week.
by noyopacific
Sun Oct 12, 2014 3:10 pm
 
Forum: Personal Consumer Issues
Topic: Do you every turn your smart phone off?
Replies: 36
Views: 1935

Re: Medical Tourism - recent article

The USA is ranked 38th in quality of medical care but is still tops in the cost of medical care. http://en.wikipedia.org/wiki/World_Health_Organization_ranking_of_health_systems_in_2000 My wife (a physician) and I have gone to Mexico for some expensive dental work and our dentist says the work is go...
by noyopacific
Mon Oct 06, 2014 10:41 am
 
Forum: Personal Consumer Issues
Topic: Medical Tourism - recent article
Replies: 21
Views: 1699

Re: What was your initial AA and how has that worked out?

1. It was about 20 years ago, my wife and I left an advisor and went on our own. The first tip off that indicated we might be paying the advisor too much was the annual reports he sent us. These were beautifully bound, full-color personalized reports. It dawned on me that we must be paying them hand...
by noyopacific
Mon Oct 06, 2014 5:51 am
 
Forum: Investing - Theory, News & General
Topic: What was your initial AA and how has that worked out?
Replies: 32
Views: 2510

Re: Is it normal to lose $$$?

Stocks go up. Stocks go down. If interest rates ever go up, bond prices will also drop. :shock: This may be a surprise to some who invest in government bonds in the belief that they are devoid of any risk. In regards to the question: "Is it normal to lose $$$?" It is to be expected that a...
by noyopacific
Mon Oct 06, 2014 4:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Is it normal to lose $$$?
Replies: 26
Views: 3999

Bogleheads Not in Wikipedia ?

About Motley Fool jimb I followed this link to see what Wikipedia had to say about The Motley Fool. Then I looked to see what Wikipedia had to say about The Bogleheads. Wikipedia does not have anything about The Bogleheads. Considering all the obscure subjects covered by Wikipedia, how is is that T...
by noyopacific
Fri Oct 03, 2014 12:40 am
 
Forum: Investing - Theory, News & General
Topic: Motley fool?
Replies: 16
Views: 1896

Fidelity Offers A Round-Trip to Europe for New Account

If anyone is interested, we got an offer from American Airlines on behalf of Fidelity a few days ago. My wife loves her airline miles so she called to find out what the deal was. 50,000 frequent flyer miles for a new account (a non–retirement brokerage account) with $100,000 / 9 months minimum depos...
by noyopacific
Wed Oct 01, 2014 1:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity Offers A Round-Trip to Europe for New Account
Replies: 26
Views: 3088

Re: Redoing Neglected Portfolio - Need Alternatives

Questions: 1. Why do we need 15 investments for a simple asset allocation? 2. Would we be better off with funds rather than ETFs? 3. Should we sell CWGIX, CAIBX, and AMECX? Please suggest alternatives. #1. You don't need 15 funds. There is no valid reason or benefit to the investor that I can think...
by noyopacific
Mon Sep 29, 2014 3:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Redoing Neglected Portfolio - Need Alternatives
Replies: 10
Views: 620

Re: Buying Annuity at Young Age for Retirement?

I'm a low-risk profile investor, and am interested in buying an annuity to provide retirement income. I'm 30 years old, and would start investing in an inflation-adjusted annuity now, to get secured returns in my 60s. Thoughts on if this is a good or bad idea? Rather than paying the premium on an a...
by noyopacific
Mon Sep 15, 2014 10:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Buying Annuity at Young Age for Retirement?
Replies: 6
Views: 658

Re: Could you sleep with all your money in Berkshire Hathawa

Could you sleep with all your money in Berkshire Hathaway? I could but it wouldn't be my first choice, unless perhaps all of the decent index funds were eliminated for some dumb reason. . . . Warren and Charlie are as old as the hills. Hopefully their successor is smart enough to break up this anac...
by noyopacific
Sun Sep 14, 2014 3:55 am
 
Forum: Investing - Theory, News & General
Topic: Could you sleep with all your money in Berkshire Hathaway?
Replies: 49
Views: 3956

Re: Why is Bank of America so hated?

My grandparents had their accounts with B of A for over 50 years. They were serious and extremely conservative savers. All of their savings were with BofA and the balances significantly exceeded FDIC insurance limits. This issue was eventually pointed out to them by a lawyer when they updated their ...
by noyopacific
Wed Aug 13, 2014 2:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why is Bank of America so hated?
Replies: 43
Views: 2546

Re: Tropical vacation next winter with infant-where?

We took our daughter to Bali (mostly around the Ubud area) for 4 weeks when she was 11 months-old. It was fabulous. Balinese people really like babies a lot. Almost every time we went to a restaurant, the people would squeal with delight and then take her back into the kitchen, play with her, feed h...
by noyopacific
Wed Aug 13, 2014 5:28 am
 
Forum: Personal Consumer Issues
Topic: Tropical vacation next winter with infant-where?
Replies: 40
Views: 2873

Re: my quarterly hedge fund update

To me one of the great anomalies in finance is why assets keep pouring in given the miserable performance. Larry I know what you mean Larry. You know what really perplexes me ? The price of chicken wings is often higher than thighs and sometimes more than breasts ! I guess that an effective marketi...
by noyopacific
Mon Jul 28, 2014 10:48 am
 
Forum: Investing - Theory, News & General
Topic: my quarterly hedge fund update
Replies: 11
Views: 1651

Hedge Fund Mgr/Columnist Replies to Boglehead's Question

In a July 20, 2014 article in ValueWalk.com: "How To Invest When You Have Little Time For Research" the writer, hedge fund manager David Merkel replies to a 24 year-old novice Boglehead's question: "Should I move to active investing, and are there some alternatives that would allow yo...
by noyopacific
Mon Jul 28, 2014 2:43 am
 
Forum: Investing - Theory, News & General
Topic: Hedge Fund Mgr/Columnist Replies to Boglehead's Question
Replies: 0
Views: 395

Re: Blog:Vanguard mutual fund brokerage commission expense

A "Rule of Thumb" that I have heard is that if you assume that each 1% of portfolio turnover will result in net cost in both commissions and the buy/sell price spreads of about .01%. You can use this to make a pretty close approximation of a funds trading costs. Jack Bogle was quoted in Be...
by noyopacific
Fri Jul 25, 2014 8:44 pm
 
Forum: Investing - Theory, News & General
Topic: Blog:Vanguard mutual fund brokerage commission expense
Replies: 6
Views: 867

Re: Can it be wrong to be too risk averse?

It doesn't sound like you are going to change your brothers mind and I don't think I'd try to. It sounds like he understands his own unwillingness to take risk and doing so could be a worse situation for him than municipal bonds if he didn't stay the course. I would want to make sure that he is well...
by noyopacific
Mon Jul 21, 2014 11:50 pm
 
Forum: Investing - Theory, News & General
Topic: Can it be wrong to be too risk averse?
Replies: 49
Views: 2547

Re: oil companies more risky

I added a small slice of it to my original portfolio mix 20 years ago because of energy's close link to industrial production. I considered it a form of insurance. The assumption being that if oil supplies became tight and prices went up, gains in this sector might help to partially offset losses in...
by noyopacific
Sun Jul 20, 2014 5:12 pm
 
Forum: Investing - Theory, News & General
Topic: oil companies more risky
Replies: 8
Views: 1034

Re: Anybody using dash cameras?

Anybody use these? Experiences? Recommendations? This is an older thread but I'll take a shot at it. The model in the linked review is generally called a "G1W." I got one of these for my wife and another for my daughter ($55 each delivered) and a different model for myself: a "Mobius...
by noyopacific
Sun Jul 20, 2014 6:05 am
 
Forum: Personal Consumer Issues
Topic: Anybody using dash cameras?
Replies: 24
Views: 4786

Re: Bet it ALL on Small Cap Value when you're young

mbk734 wrote:For those that are believers in the small cap value premium over the long term, why not bet it all on VBR while you are young (18)?


Because past performance does not guarantee future results ?
by noyopacific
Tue Jul 15, 2014 7:49 pm
 
Forum: Investing - Theory, News & General
Topic: Bet it ALL on Small Cap Value when you're young
Replies: 64
Views: 6665

Re: Costa Rica

Some highlights of our trip: Whitewater rafting with Costa Rica Descents near Lake Aernal. https://www.youtube.com/watch?v=Snj5CuEUbPI Staying at the San Luis Ecolodge near Monteverde. This is a University of Georgia research facility. A bit expensive for Costa Rica but they had excellent program fo...
by noyopacific
Tue Jul 15, 2014 5:07 pm
 
Forum: Personal Consumer Issues
Topic: Costa Rica
Replies: 11
Views: 1804

Re: Moving From Bonds Into Stocks

Essentially this is what we did in Nov-Dec 2008. . . I had no choice but to go 100 equity .. . . This is what I did too but based on a slightly different reason. My AA %'s are not age-based. According to my IPS, my AA %'s are adjusted as the portfolio reaches different levels. Prior to 2008, I was ...
by noyopacific
Tue Jul 15, 2014 4:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: What To Do During A Correction In Stocks?
Replies: 31
Views: 3902

Re: But why not 100% stock index fund?

It is close to impossible to assess risk tolerance during a bull market. You might want to consider putting something aside, even if it is only 20% in bonds for now. This should not affect your performance too greatly. Then commit to yourself to putting 1/2 of that bond allocation into equities afte...
by noyopacific
Mon Jul 14, 2014 2:53 am
 
Forum: Investing - Theory, News & General
Topic: But why not 100% stock index fund?
Replies: 76
Views: 7682

Re: Will you change your AA based on market performance?

Would I change my AA based on market performance ? It depends on how much it goes up or down. My asset allocation % is not based on age, it is based on my reaching certain objectives. As the portfolio balance reaches specific targets (rather than age,) my bond allocation % is increased. When the mar...
by noyopacific
Mon Jul 14, 2014 12:32 am
 
Forum: Investing - Theory, News & General
Topic: In a crash, will you re-balance to maintain your target AA?
Replies: 64
Views: 4303

Re: Teaching Kids the Rules of Investing.

Does anyone have kids who like rules? Teenagers especially rebel against rules. Giving them more rules doesn't sound like a good plan. This is what I was thinking too. I used to employ reverse-psychology with our daughter. She eventually figured out what I was doing and once told me: "If you t...
by noyopacific
Sat Jul 12, 2014 5:48 pm
 
Forum: Investing - Theory, News & General
Topic: Teaching Kids the Rules of Investing.
Replies: 17
Views: 2053

Re: Why so afraid to "lose" money?

Why so afraid to "lose" money? I see a lot of posts about saving for things 1-5 years away. And the general consensus always seems to be that this money can't be in stocks. If you have a goal that requires you come up with cash within 5 years and you can save the money to accomplish this ...
by noyopacific
Sat Jul 12, 2014 4:55 pm
 
Forum: Investing - Theory, News & General
Topic: Why so afraid to "lose" money?
Replies: 22
Views: 3366

Re: Vanguard - Energy Fund

. . .To me it is clear by the results of the poll question, with approximately 70% a "no" and 30% a "yes" that the energy fund is not essential to portfolio construction. Best. I agree with your conclusion but not your logic. A 70% "no" vs 30% "yes" from othe...
by noyopacific
Thu Jul 10, 2014 5:02 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard - Energy Fund
Replies: 31
Views: 4048

Re: What one Vanguard fund for retirement?

Interesting question. One factor you need to think about is your end goal. I will assume you are managing this as your backup to cover any unforeseen circumstances. Anything that is left when you die will go to your heirs and/or some charitable purpose. Your ability to take risk appears high while y...
by noyopacific
Thu Jul 10, 2014 1:45 am
 
Forum: Investing - Help with Personal Investments
Topic: What one Vanguard fund for retirement?
Replies: 12
Views: 2758

Re: Bogle on Governance

Thanks for the linked video and articles. My favorite quotes from the video: Jack said: "Investment Company Act of 1940 says: Mutual Funds must be organized, operated and managed in the interests of their shareholders and not in the interests of the managers and distributors. That is what the l...
by noyopacific
Wed Jun 25, 2014 6:50 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle on Governance
Replies: 9
Views: 837

Bogle on Governance

Reuters article: "Bogle Finds Little Traction on Governance." http://www.reuters.com/article/2014/06/24/us-wealth-summit-bogle-votes-idUSKBN0EZ2D820140624 " Jack Bogle, a celebrity for low cost investors, faces a disconnect with his own fan base when it comes to corporate governance.&...
by noyopacific
Wed Jun 25, 2014 7:07 am
 
Forum: Investing - Theory, News & General
Topic: Bogle on Governance
Replies: 9
Views: 837

Re: Philosophy Differs From Strategy

Rick Feri's article examines an important piece of the puzzle that I hadn't considered very much. In helping family & friends to understand and adopt the passive approach to investing, I think I neglected to explain the philosophical foundations very well. Rick explains this lesson in clear and ...
by noyopacific
Sun Jun 22, 2014 12:48 pm
 
Forum: Investing - Theory, News & General
Topic: Philosophy Differs From Strategy
Replies: 33
Views: 3351

A Fathers Day Q&A with Jack Bogle

This article appeared in the Sacramento Bee newspaper: http://www.sacbee.com/2014/06/14/6480033/jack-bogle-a-fathers-day-qa-with.html I learned a few things about Jack I hadn't known before. In response to the question: "Do you have any memorable bits of wisdom from your own father?" His r...
by noyopacific
Mon Jun 16, 2014 5:28 am
 
Forum: Investing - Theory, News & General
Topic: A Fathers Day Q&A with Jack Bogle
Replies: 0
Views: 287

Re: Anyone else want to share a "great vendor" experience

I got a "Load-Handler" for my pickup. It is a heavy canvas tarp that rolls out from a spindle rod over the bed between the wheel wells. You can load bulk items like firewood, gravel or weeds and brush on to it and then crank the tarp back on the spindle rod when you want to unload. It work...
by noyopacific
Sat Jun 07, 2014 5:04 am
 
Forum: Personal Consumer Issues
Topic: Anyone else want to share a "great vendor" experience
Replies: 4
Views: 685

Re: buying home with life partner, need advice!

One item I like in a partnership involving property is a provision that allows either partner to get out of the partnership. This, is often accomplished with a buy/sell agreement. It can work well for both business and domestic partnerships. Either partner can get out of the partnership by notifying...
by noyopacific
Wed Jun 04, 2014 7:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: buying home with life partner, need advice!
Replies: 17
Views: 1291

Re: Social Security at 66 vs. 70: A Bird in the Hand?

I didn't check the math, but part of the problem is you can't get any of the risk free, REAL , returns you're talking about. The SS increases are risk free, for the most part. That is a very good point however while the credit risk is low, there is the risk that you have to live long enough to coll...
by noyopacific
Mon Jun 02, 2014 9:08 pm
 
Forum: Investing - Theory, News & General
Topic: Social Security at 66 vs. 70: A Bird in the Hand?
Replies: 54
Views: 4341

Re: Social Security at 66 vs. 70: A Bird in the Hand?

ObliviousInvestor wrote:http://wpfau.blogspot.com/2014/04/delaying-social-security-what-investment.html
Wade's chart compares age 62 vs. age 70. The OP is comparing 66 vs. 70. If they're each doing their math correctly, they should get different answers as to break-even points.


Thank you Mike Piper!
by noyopacific
Mon Jun 02, 2014 6:48 pm
 
Forum: Investing - Theory, News & General
Topic: Social Security at 66 vs. 70: A Bird in the Hand?
Replies: 54
Views: 4341

Re: Social Security at 66 vs. 70: A Bird in the Hand?

Wade Pfau has done the calculations. http://wpfau.blogspot.com/2014/04/delaying-social-security-what-investment.html Your calculations don't match his. I would guess that his are correct. John John, Thanks for the link, I appreciated the article. While I have little doubt that Mr Pfau's calculation...
by noyopacific
Mon Jun 02, 2014 6:08 pm
 
Forum: Investing - Theory, News & General
Topic: Social Security at 66 vs. 70: A Bird in the Hand?
Replies: 54
Views: 4341

Social Security at 66 vs. 70: A Bird in the Hand?

I have tried to calculate the possible effects of taking social security (SS) at 66 or at 70. I specifically wanted to consider if I were retired at 66 but waited until 70 to begin taking SS, the future interest that would be lost on the amount that I would need to withdraw from retirement savings i...
by noyopacific
Mon Jun 02, 2014 3:48 pm
 
Forum: Investing - Theory, News & General
Topic: Social Security at 66 vs. 70: A Bird in the Hand?
Replies: 54
Views: 4341

Re: Would like to transfer to all index funds at Fidelity

If you want to go to a 3 Fund Index portfolio at Fidelity, some of the obvious fund choices seem to be: For your US Equity allocation: Fidelity Spartan Total Market Index Fund: (FSTVX) (expenses 0.06% / Advantage Class $10K minimum investment) For your International Equity allocation: Fidelity Spart...
by noyopacific
Mon Jun 02, 2014 1:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Would like to transfer to all index funds at Fidelity
Replies: 11
Views: 1055

Re: in-laws/student loans

It appears that you are in a very weak position to negotiate with your sister-in-law. As cosigner, you are on the hook for her loans and if she is unwilling or unable to pay them back, you will have to pay on them in order to protect your own credit rating and to avoid being sued by the lender. The ...
by noyopacific
Tue May 27, 2014 4:21 pm
 
Forum: Personal Consumer Issues
Topic: in-laws/student loans
Replies: 57
Views: 2564

Re: Leaving money to a profligate family member

Do you want him to receive the approximate income on $200,000, say $6,000 a year? If so, possibly you could have your estate purchase an annuity for him and then make alternate provisions for his children. The amount you suggest usually makes a trust uneconomical. Bruce I thought this was an intere...
by noyopacific
Sun May 25, 2014 2:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Leaving money to a profligate family member
Replies: 15
Views: 2059

Re: Giving financial advice (legal and other issues)

I would never "sit down with a friend" and give them detailed advice regarding what they should do with their life savings, this is a recipe for nothing but trouble. When a friend asks for my help, I lend a hand when and where I can. I don't believe I'd be worth much as a friend to others...
by noyopacific
Sun May 25, 2014 1:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Giving financial advice (legal and other issues)
Replies: 17
Views: 1417

Re: Investment Advisor Recommendation?

You might want your wife to read the article linked below (previously discussed in this forum.) Many of the people quoted are from the Bay Area including two who are investment advisors in Marin. The article discusses some interesting steps Google took prior to the IPO in order to arm their soon to ...
by noyopacific
Sun May 25, 2014 4:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Investment Advisor Recommendation?
Replies: 3
Views: 641

Re: ACA and Colonoscopy Costs

Sounds like the old bait & switch trick, the program was "sold" with "100% Coverage for Preventive Care" in bold print however the fine print doesn't quite rise to the assumptions we might have made when we heard the pitch. It is incredibly difficult to align the interests of...
by noyopacific
Wed May 21, 2014 2:49 pm
 
Forum: Personal Consumer Issues
Topic: ACA and Colonoscopy Costs
Replies: 6
Views: 705
Next

Return to advanced search