Search found 23 matches
- Fri May 04, 2012 9:02 am
- Forum: Personal Investments
- Topic: Not your regular retirement questions
- Replies: 58
- Views: 8706
Re: Not your regular retirement questions
My immediate reaction after reading your OP is that you are overreacting to your pending job loss and are going into "hunker down" mode. The world will not end so you dont have to make "drastic" living changes real soon. Posting on here has been a very good idea and i suspect that if you read these comments carefully and take a deep breath you will be able to re-evaluate your circumstances and come up with a very rational and workable plan. Please follow up and let us know how you make out.
- Fri May 04, 2012 8:50 am
- Forum: Investing - Theory, News & General
- Topic: The DFA fixed income portfolio, 30 years on
- Replies: 46
- Views: 3303
Re: The DFA fixed income portfolio, 30 years on
Thanks? for the reminder. I believe it was over 11% but of course i would prefer to forget the whole incident .................thats why i say "Thank God for alcohol!".yobria wrote:Only 9%? Long bonds were yielding 12% in 1983. Often what history tells you is the worst performing corner of the market tends to wind up the best. Small growth stocks, for example.don1066 wrote:Fascinating and a painful reminder. In 1983 i bought zero bonds due in 2011 and yielding 9%. Of course i found a "better" investment in 1997 sold them and promptly saw my returns shrink dramatically. If ever there was a case for staying the course that was it! Thank God for alcohol.
- Thu May 03, 2012 6:14 pm
- Forum: Investing - Theory, News & General
- Topic: The DFA fixed income portfolio, 30 years on
- Replies: 46
- Views: 3303
Re: The DFA fixed income portfolio, 30 years on
Fascinating and a painful reminder. In 1983 i bought zero bonds due in 2011 and yielding 9%. Of course i found a "better" investment in 1997 sold them and promptly saw my returns shrink dramatically. If ever there was a case for staying the course that was it! Thank God for alcohol.
- Thu May 03, 2012 6:07 pm
- Forum: Personal Investments
- Topic: I've proven that market timing is bad, but ...
- Replies: 45
- Views: 4451
Re: I've proven that market timing is bad, but ...
Welcome to the forum. I will give you the "secrets" to investing I have learned over all the time I have spent learning about investing. They are simple and are summed up in 5 rules: 1. Save as much as you can so you can invest as much as you can. 2. Pick an asset allocation that fits in to your willingness, ability, and need to take risk. 3. Avoid active management (market timing and security selection) as they are a loser's game. 4. Be aware of costs, taxes, and inflation as they eat into long term returns. 5. Stay the course to prevent yourself from messing everything up. Investing really is that simple. As you can see your mistakes that you talked about are in violation of no. 3 of trying to market time before and again now t...
- Thu May 03, 2012 6:00 pm
- Forum: Personal Investments
- Topic: Individual munis vs muni bond funds?
- Replies: 14
- Views: 1913
Re: Individual munis vs muni bond funds?
Go with funds.
- Sat Apr 28, 2012 9:14 am
- Forum: Personal Consumer Issues
- Topic: Computer Security Redux
- Replies: 41
- Views: 2627
Re: Computer Security Redux
Recent articles in several reputable papers (WSJ, NY Times) have come to the conclusion that the threat of hacking your home computer has been blown way out of proportion.
- Fri Apr 27, 2012 7:36 pm
- Forum: Personal Finance (Not Investing)
- Topic: If you had 1 week to make $1,000
- Replies: 59
- Views: 6436
Re: If you had 1 week to make $1,000
Undercut anyone making $1001 a week!
- Wed Apr 25, 2012 11:04 am
- Forum: Personal Finance (Not Investing)
- Topic: 1st Day of Retirement
- Replies: 44
- Views: 5359
Re: 1st Day of Retirement
Got in my sportscar with the top down and tore a*s along the coast road!!
- Sun Apr 22, 2012 3:13 pm
- Forum: Personal Consumer Issues
- Topic: Where do we bogleheads Splurge?!
- Replies: 138
- Views: 14510
Re: Where do we bogleheads Splurge?!
Couldnt agree more!Stonebr wrote:Early retirement.
- Sun Apr 22, 2012 3:08 pm
- Forum: Personal Investments
- Topic: Help me help a young new investor
- Replies: 13
- Views: 1446
Re: Help me help a young new investor
Agree with muchtolearn. Your emphasis should be to get her to be more self reliant. That would really be helping her.
- Sun Apr 22, 2012 3:05 pm
- Forum: Personal Investments
- Topic: Investing financially and investing in life
- Replies: 5
- Views: 818
Re: Investing financially and investing in life
It appears you have been "accidently" thrown into a new situation and thus have the opportunity to see through a different set of spectacles. Enjoy it and try not to slide back into your previous life without capturing those new lessons learned. Life doesnt really have to be that humdrum does it.
- Sun Apr 22, 2012 2:51 pm
- Forum: Personal Consumer Issues
- Topic: Ah.. Bermuda
- Replies: 12
- Views: 2385
Re: Ah.. Bermuda
Was there in 1971. Great memories.
- Sun Apr 22, 2012 2:50 pm
- Forum: Personal Consumer Issues
- Topic: New York
- Replies: 25
- Views: 3360
Re: New York
Try various food walks, tenement museum, russian baths, oddities store, evolutions and the Ars Nova theater.
- Sat Apr 21, 2012 8:33 am
- Forum: Personal Consumer Issues
- Topic: would you rather retire early or retire richer?
- Replies: 86
- Views: 8370
Re: would you rather retire early or retire richer?
Richer...........i did.
- Sat Apr 21, 2012 8:32 am
- Forum: Personal Consumer Issues
- Topic: What Book Are You Currently Reading? Part V
- Replies: 3372
- Views: 1560633
Re: What Book Are You Currently Reading? Part V
The Peculiar Memories of Thomas Penman...................hilarious!
- Sat Apr 21, 2012 8:31 am
- Forum: Personal Consumer Issues
- Topic: Do you have a 'bucket list'?
- Replies: 75
- Views: 12311
Re: Do you have a 'bucket list'?
#1........Wake up everyday!
- Thu Apr 19, 2012 9:56 am
- Forum: Personal Consumer Issues
- Topic: Advice on retirement...not financial, but what to do all day
- Replies: 72
- Views: 7989
Re: Advice on retirement...not financial, but what to do all
I am 63 and i retired 3 years ago. I am so happy to own my own time that i never think about working ever! Its a true luxury having this time and the options to basically do whatever you want. At this age i dont get philosophical about being "productive". I am alive, healthy, have an imagination and the wherewithal to enjoy the last one third. A great read you may want to get in to "Younger Next Year" by Crowley and Lodge. Its funny and serious all at the same time.
- Wed Apr 18, 2012 8:09 pm
- Forum: Investing - Theory, News & General
- Topic: Dick Clark.....Dead at Age 82.......
- Replies: 12
- Views: 1490
Re: Dick Clark.....Dead at Age 82.......
Thanks for the memories Mr Clark.
- Tue Apr 17, 2012 5:00 pm
- Forum: Personal Finance (Not Investing)
- Topic: Med school at 29 year old, is this a viable plan?
- Replies: 89
- Views: 9483
Re: Med school at 29 year old, is this a viable plan?
I worked with half a dozen MDs over the last 10 years and at least half of them said they wouldnt do it again. Grass is greener? Think again.
- Tue Apr 17, 2012 8:25 am
- Forum: Personal Finance (Not Investing)
- Topic: Thoughts on selling my house.
- Replies: 4
- Views: 828
Re: Thoughts on selling my house.
Thank you all for your responses. Time for me to role up the sleeves and get to work!
- Mon Apr 16, 2012 3:43 pm
- Forum: Personal Finance (Not Investing)
- Topic: Just need to share this
- Replies: 53
- Views: 5431
Re: Just need to share this
Congrats.
- Mon Apr 16, 2012 3:39 pm
- Forum: Personal Finance (Not Investing)
- Topic: Thoughts on selling my house.
- Replies: 4
- Views: 828
Thoughts on selling my house.
I plan on downsizing in about three years. Large home in top notch school district in northeast. Any thoughts on what i should be doing in the meantime.
- Wed Apr 11, 2012 3:24 pm
- Forum: Personal Investments
- Topic: Can a person have no risk tolerance?
- Replies: 63
- Views: 4255
Re: Can a person have no risk tolerance?
I am retired with 10% stock and 90% fixed income. Happy as a lark.