Search found 6378 matches

by Call_Me_Op
Fri Apr 28, 2017 11:30 am
Forum: Investing - Theory, News & General
Topic: Five year CD paying more than 10 yr. treasury
Replies: 10
Views: 768

Re: Five year CD paying more than 10 yr. treasury

I noticed a few minutes ago that five year CD's at Schwab are paying 2.35 percent. The ten year treasury bond is quoted at yield of 2. 30 percent. Why would a five year CD pay more than a 10 year treasury? It cant be liquidity alone ( I don't think). liquidity and safety (i.e., guaranteed interest ...
by Call_Me_Op
Fri Apr 28, 2017 7:33 am
Forum: Investing - Theory, News & General
Topic: "ETFs Are 'Weapons of Mass Destruction'"
Replies: 36
Views: 3474

Re: "ETFs Are 'Weapons of Mass Destruction'"

willthrill81 wrote:Translation: The low-cost ETFs (and index funds) out there are weapons of THEIR mass destruction. :D


Indeed.
by Call_Me_Op
Sat Apr 22, 2017 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Taxation of Treasury Bills (Question)
Replies: 8
Views: 564

Re: Taxation of Treasury Bills (Question)

OK, I think I understand. If I hold to maturity, the appreciation in value is treated as ordinary income but not subject to state taxation. If I sell prior to maturity, the capital gain is the difference between the sales price and the cost base plus accrued interest. The capital gain can be negativ...
by Call_Me_Op
Sat Apr 22, 2017 7:03 am
Forum: Investing - Help with Personal Investments
Topic: Taxation of Treasury Bills (Question)
Replies: 8
Views: 564

Re: Taxation of Treasury Bills (Question)

Ordinary income (interest). Not taxable at the state level. If you sell prior to maturity there is also a possible capital gain or loss. That is the crux of my question. It would seem that it is all capital gain or loss. For example, say I buy a TBill at a price of 99.5 and sell the day before matu...
by Call_Me_Op
Sat Apr 22, 2017 6:45 am
Forum: Investing - Help with Personal Investments
Topic: Taxation of Treasury Bills (Question)
Replies: 8
Views: 564

Taxation of Treasury Bills (Question)

This question assumes a taxable account. Treasury bills are sold at a price less than face value and the investor (who owns the security) receives the face value at maturity. The investor may sell prior to maturity and receive more or less (usually less) than the face value. My question is how is th...
by Call_Me_Op
Thu Apr 20, 2017 11:17 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodby."
Replies: 332
Views: 33916

Re: Larry Swedroe says "Goodby."

Larry is an invaluable resource, as we all know. He is the only person to be named in my IPS. I'll miss him posting here, but fully understand his reasons. It's comforting to know he still can be reached.

Larry, thanks for all of your help in understanding investing.
by Call_Me_Op
Tue Apr 04, 2017 7:19 am
Forum: Investing - Theory, News & General
Topic: Larry-ish Portfolio, But Easier To Implement. Thoughts?
Replies: 58
Views: 5192

Re: Larry-ish Portfolio, But Easier To Implement. Thoughts?

[NOTE: Someone has almost certainly thought of this before and posted about it, and I just missed it when I searched through the topic. Sorry in advance.] Ever since I learned about the Larry Portfolio, I've been intrigued by it. But without access to DFA funds, it's really difficult to implement t...
by Call_Me_Op
Tue Apr 04, 2017 6:49 am
Forum: Investing - Theory, News & General
Topic: Social Security for Millennials
Replies: 144
Views: 13562

Re: Social Security for Millennials

Rules-of-thumb that say you need to save a certain amount based upon your salary are, IMHO, totally meaningless. What matters is what you will be spending.

But directly to the original poster's question, I quote the late Harry Browne; "Consider Social Security to be found money."
by Call_Me_Op
Sun Apr 02, 2017 6:21 am
Forum: Investing - Help with Personal Investments
Topic: Is anyone decreasing % of bonds this year?
Replies: 91
Views: 6985

Re: Is anyone decreasing % of bonds this year?

silverskates wrote:I apologize if this has been discussed already but I'm curious if anyone is changing their bond allocation because of the increase in interest rates.


Why would someone bail out of bonds AFTER a rate increase?
by Call_Me_Op
Sat Apr 01, 2017 7:54 am
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- First quarter leaders
Replies: 15
Views: 1752

Re: BOGLEHEAD CONTEST -- First quarter leaders

unclescrooge wrote:With 3/4th of the year left to go, aren't today leaders more likely to be tomorrow's laggards? :mrgreen:


Scrooge,

Let us bask in our brief moment of glory. :)
by Call_Me_Op
Fri Mar 31, 2017 11:38 am
Forum: Personal Consumer Issues
Topic: Radon mitigation credit at closing
Replies: 16
Views: 1225

Re: Radon mitigation credit at closing

Whether $1250 is enough depends upon what's under the house. I would request that they mitigate and re-test first.
by Call_Me_Op
Thu Mar 30, 2017 12:13 pm
Forum: Investing - Theory, News & General
Topic: anyone have AAII membership
Replies: 8
Views: 962

Re: anyone have AAII membership

Last I looked, they seemed to favor actively-managed stock funds. For that reason alone, I personally would not be interested in membership.
by Call_Me_Op
Thu Mar 30, 2017 8:43 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 186
Views: 24660

Re: John Bogle on international

I love John Bogle and respect him hugely. But I will just point out that he changes his opinion on this very subject through the years. IIRC, he was a guest on Wall Street Week back in the 1990's and he recommended 50% international. So the world changes and you would expect his advice to change wi...
by Call_Me_Op
Tue Mar 28, 2017 7:05 am
Forum: Investing - Theory, News & General
Topic: Multiple Board Member changes recently. Means anything?
Replies: 7
Views: 1292

Re: Multiple Board Member changes recently. Means anything?

My thought is that it's great to be an index investor and not have to worry about such things.
by Call_Me_Op
Tue Mar 28, 2017 7:04 am
Forum: Investing - Theory, News & General
Topic: Bogle Interview CNN - Sat.
Replies: 71
Views: 4965

Re: John Bogle interview: is "deep risk" growing?

To quote Bogle himself: "Stay the course."
by Call_Me_Op
Mon Mar 27, 2017 11:23 am
Forum: Investing - Theory, News & General
Topic: Christine Benz's Three Bucket System
Replies: 77
Views: 7675

Re: Christine Benz's Three Bucket System

I think the 3 bucket approach is more confusing than just separating assets into high-risk and low-risk and rebalancing on a regular basis. And this approach allows better understanding and control of the risk in the portfolio.
by Call_Me_Op
Mon Mar 27, 2017 7:01 am
Forum: Investing - Help with Personal Investments
Topic: Modified Larry Portfolio?
Replies: 23
Views: 2292

Re: Modified Larry Portfolio?

The "Larry Portfolio" uses safe assets (treasuries, CD's, AAA/AA muni's) for the 70% - not a balanced fund like Wellesley.
by Call_Me_Op
Fri Mar 24, 2017 12:29 pm
Forum: Investing - Theory, News & General
Topic: AA after reaching your "freedom number"?
Replies: 39
Views: 4096

Re: AA after reaching your "freedom number"?

Any reasonable allocation between stocks and bonds should be able to accommodate a 3% annual withdrawel. Sounds to me that you are confused between interest and total return (based upon your desire to "live off of the interest"). It takes a lot of money to actually "live off the inter...
by Call_Me_Op
Fri Mar 24, 2017 6:12 am
Forum: Investing - Theory, News & General
Topic: Justification for Adding REITs
Replies: 77
Views: 6123

Re: Justification for Adding REITs

Rick Ferri wrote in All About Asset Allocation 2nd edition that most real estate is privately held - not publicly held by corporations. Thus real estate makes up a disproportionate share of the economy than what it is represented in TSM. I think (and it has been a few years since I read it) that it...
by Call_Me_Op
Thu Mar 23, 2017 4:53 pm
Forum: Investing - Theory, News & General
Topic: Justification for Adding REITs
Replies: 77
Views: 6123

Justification for Adding REITs

Given that REITs are a subset of the total stock market, what is the justification for tilting toward REITs (that is, adding more REITs) as opposed to some other major market sector, such as energy or consumer staples?
by Call_Me_Op
Mon Mar 20, 2017 6:28 am
Forum: Personal Consumer Issues
Topic: carpet beetles (varied carpet beetle)
Replies: 11
Views: 985

Re: carpet beetles (varied carpet beetle)

I have them. They are really quite harmless. I kill one if I see it. To me, this is not worth hiring an exterminator, as the poisons they are likely to use would be far more harmful than those little beetles.
by Call_Me_Op
Thu Mar 16, 2017 11:19 am
Forum: Investing - Theory, News & General
Topic: Do many banks "secretly" have private deposit insurance covering excess above $250,000?
Replies: 51
Views: 5639

Re: Do many banks "secretly" have private deposit insurance covering excess above $250,000?

I am sure you have a good reason for wanting to exceed the FDIC limit, but I can't imagine what it would be.
by Call_Me_Op
Mon Mar 13, 2017 6:28 am
Forum: Investing - Theory, News & General
Topic: Total International vs Developed Markets: a straightforward question
Replies: 21
Views: 1927

Re: Total International vs Developed Markets: a straightforward question

This thread... https://www.bogleheads.org/forum/viewtopic.php?t=174302 ... didn't address what I hope is a straightforward question. The commandment "Be Diversified" favors Total International (VGTSX) with 6,066 holdings. The commandment "Keep Expenses Low" favors Developed Mark...
by Call_Me_Op
Sun Mar 12, 2017 7:15 am
Forum: Investing - Theory, News & General
Topic: Merriman article: 12 things every investor should know...
Replies: 43
Views: 5343

Re: Merriman article: 12 things every investor should know...

F150HD wrote:Does tilting to an Extended Market Index (ie VEXAX) accomplish the same thing as tilting specifically to a small cap index?


Essentially - yes.
by Call_Me_Op
Sat Mar 11, 2017 8:00 am
Forum: Investing - Theory, News & General
Topic: Bank CD's vs Brokerage account CD's?
Replies: 6
Views: 843

Re: Bank CD's vs Brokerage account CD's?

Think of a brokered CD as a bond whose principal is FDIC insured (and has a relatively low interest rate due to that fact).
by Call_Me_Op
Sat Mar 11, 2017 7:52 am
Forum: Investing - Theory, News & General
Topic: Anyone sorry they used bonds when starting out
Replies: 94
Views: 7033

Re: Anyone sorry they used bonds when starting out

Do not confuse strategy with outcome.
by Call_Me_Op
Mon Mar 06, 2017 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Pay ibonds taxes on interest now or later?
Replies: 23
Views: 1569

Re: Pay ibonds interest now or later?

I don't think you understand iBonds well. You don't pay the interest - it is paid to you. I suspect you are referring to taxes. Those are deferred for up to 30 years. You cannot pay the taxes until you sell the bonds. It is not true that you can't pay the taxes until you sell the bonds. You do have...
by Call_Me_Op
Mon Mar 06, 2017 7:31 am
Forum: Investing - Help with Personal Investments
Topic: Municipal Bonds Question
Replies: 29
Views: 2860

Re: Municipal Bonds Question

IMO, people should not buy individual municipal bonds unless they have a lot of money (to spread over many bonds) and are very knowledgeable.
by Call_Me_Op
Sun Mar 05, 2017 8:17 am
Forum: Investing - Help with Personal Investments
Topic: Tax Efficient Conservative Portfolio
Replies: 18
Views: 1710

Re: Tax Efficient Conservative Portfolio

Grabiner,

Do you know of a good reference where I could read about this issue of SS taxation phase-in?
by Call_Me_Op
Sun Mar 05, 2017 8:11 am
Forum: Investing - Help with Personal Investments
Topic: Swensen - Why does he recommend Emerging Markets and Developed Markets for Int'l?
Replies: 11
Views: 1259

Re: Swenson - Why does he recommend Emerging Markets and Developed Markets for Int'l?

It makes sense to separate them because they are weakly correlated. This gives a rebalancing benefit. It also allows one to tilt if desired.
by Call_Me_Op
Sun Mar 05, 2017 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Pay ibonds taxes on interest now or later?
Replies: 23
Views: 1569

Re: Pay ibonds interest now or later?

I don't think you understand iBonds well. You don't pay the interest - it is paid to you. I suspect you are referring to taxes. Those are deferred for up to 30 years. You cannot pay the taxes until you sell the bonds.
by Call_Me_Op
Sun Mar 05, 2017 8:05 am
Forum: Investing - Help with Personal Investments
Topic: should i payoff mortgage early?
Replies: 17
Views: 1725

Re: should i payoff mortgage early?

I honestly don't know anyone who has a paid-off mortgage who has expressed regret about it.
by Call_Me_Op
Wed Mar 01, 2017 6:38 am
Forum: Investing - Theory, News & General
Topic: Treating I-Bonds as Long-term Bond Holdings
Replies: 19
Views: 2137

Re: Treating I-Bonds as Long-term Bond Holdings

They do not behave like long-term bonds, but nobody can stop you from treating them as same. The EE Bond is more like a long-term nominal bond if held for 20 years.
by Call_Me_Op
Sun Feb 26, 2017 10:54 am
Forum: Investing - Theory, News & General
Topic: Technical Analysis
Replies: 37
Views: 2172

Re: Technical Analysis

I've seen segments discussing technical analysis on CNBC news shows like Fast Money, but don't quite get their concepts or terminology. Does anyone know how reliable it is as an indicator to buy or sell? There seems to be a cottage industry about professional technical analysts that break down pric...
by Call_Me_Op
Sun Feb 26, 2017 7:46 am
Forum: Investing - Theory, News & General
Topic: AP: Americans buy existing homes at fastest pace in a decade
Replies: 45
Views: 4143

Re: AP: Americans buy existing homes at fastest pace in a decade

creditdefaultswaps wrote:I'm wondering what your take is on the housing market and what might cause it to crash this time around.


Housing crashes are very rare. You may not see another for many years. If I were you, I would buy when i could afford it and feel ready to be a homeowner.
by Call_Me_Op
Sun Feb 26, 2017 7:37 am
Forum: Personal Consumer Issues
Topic: moving from landscaper/snow plower to diy in retirement
Replies: 44
Views: 2993

Re: moving from landscaper/snow plower to diy in retirement

I hate landscaping, so I factor that in to my monthly expenses. When I retire, it will still be part of my monthly expenses.
by Call_Me_Op
Fri Feb 24, 2017 7:25 am
Forum: Investing - Help with Personal Investments
Topic: What to do with Gold?
Replies: 17
Views: 1790

Re: What to do with Gold?

The Permanent Portfolio does not work well unless you stick with it. The same can be said of the 3 fund portfolio - or any portfolio. If you are abandoning the PP because gold has lost value, you did not understand it in the first place.
by Call_Me_Op
Thu Feb 23, 2017 8:16 am
Forum: Investing - Theory, News & General
Topic: Market Run Ups - Now vs. Then
Replies: 88
Views: 6230

Re: Market Run Ups - Now vs. Then

Historically, crashes don't happen when people are fearful (like they are now). Usually, people are greedy and think "it is different this time." I think we have a way to go.
by Call_Me_Op
Wed Feb 22, 2017 7:27 am
Forum: Investing - Theory, News & General
Topic: Extreme Valuations, and why you should reconsider
Replies: 307
Views: 20958

Re: Extreme Valuations, and why you should reconsider

"Stay the Course. No matter what happens, stick to your program. I've said "Stay the course" a thousand times, and I meant it every time. It is the most important single piece of investment wisdom I can give to you."

John C. Bogle
by Call_Me_Op
Mon Feb 20, 2017 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: Long term treasury ? Pros and Cons
Replies: 15
Views: 1122

Re: Long term treasury ? Pros and Cons

I would not use past data to extrapolate the future performance of long-term treasuries - unless you use at least 60 years of data. The bottom line is expected return is about 3% - and you are taking an enormous risk for that privilege.
by Call_Me_Op
Sun Feb 19, 2017 4:08 pm
Forum: Investing - Theory, News & General
Topic: I think some criticisim of active management is wrong.
Replies: 22
Views: 2168

Re: I think some criticisim of active management is wrong.

IF you like index funds because of low fees I think that's fine but I see nothing wrong with go anywhere managers and think that's the easiest way to outperform. Good luck with that. I see a lot of risks with that approach and consider it speculation. If you do it, at least use tax-advantaged accou...
by Call_Me_Op
Sun Feb 19, 2017 7:16 am
Forum: Investing - Help with Personal Investments
Topic: 2 year investment
Replies: 7
Views: 562

Re: 2 year investment

emoregon wrote:Interesting - so a little stock will balance out the bonds? Those graphs are compelling.


Replace "will" with "has."
by Call_Me_Op
Sun Feb 19, 2017 7:12 am
Forum: Investing - Help with Personal Investments
Topic: Stock Market Fears
Replies: 55
Views: 6028

Re: Stock Market Fears

I've read many books over the years and understand the philosophy of not timing the market. My fears are based on the fact my husband is approaching retirement and the knowledge the market doesn't like uncertainty that prompted me to even ask. If the market doesn't like uncertainty, then it is alre...
by Call_Me_Op
Sat Feb 18, 2017 7:24 am
Forum: Personal Consumer Issues
Topic: The russians are hacking me
Replies: 36
Views: 5738

Re: The russians are hacking me

I would never store my passwords on a device of any kind that has internet access.
by Call_Me_Op
Fri Feb 17, 2017 6:40 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella 1 million $500
Replies: 32
Views: 2441

Re: Umbrella 1 million $500

Premium varies widely as a function of where you live. Densely-populated and affluent areas will drive-up the premium markedly.
by Call_Me_Op
Fri Feb 17, 2017 6:32 am
Forum: Investing - Help with Personal Investments
Topic: Starting to invest
Replies: 1
Views: 216

Re: Starting to invest

If I were your age and know what I know now, I would throw everything I can into stocks and be prepared for a wild ride - but with a pot of gold at retirement. A key is to keep adding when (not if but when) the market crashes.
by Call_Me_Op
Wed Feb 15, 2017 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Denied early withdrawal... [has it ever happened]
Replies: 4
Views: 705

Re: Denied early withdrawal... [has it ever happened]

Early withdrawal terms should have been specified on the CD disclosure statement provided (or at least available) when you purchased the CD. If you do not have it, I would try to obtain a copy. They must abide by those terms. Banks have been tending to modify CD terms over time, making them less and...
by Call_Me_Op
Wed Feb 15, 2017 8:16 am
Forum: Investing - Help with Personal Investments
Topic: Callable brokered CDs?
Replies: 3
Views: 398

Re: Callable brokered CDs?

I have always avoided them. Seems like heads I win tails you lose from the bank's perspective. If rates increase, the bank will not call the CD (locking-up your money at below market rate). If rates decrease, they have the option of calling it - sticking you with lower prevailing rates.

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