Search found 6360 matches

by Call_Me_Op
Fri Mar 24, 2017 12:29 pm
Forum: Investing - Theory, News & General
Topic: AA after reaching your "freedom number"?
Replies: 38
Views: 3224

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: 56
Views: 3353

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: 56
Views: 3353

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: 882

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: 5480

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: 1811

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: 5214

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: 787

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: 6676

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: 22
Views: 1295

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: 2787

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: 1503

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: 1193

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: 22
Views: 1295

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: 1616

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: 2030

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: 2103

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: 4003

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: 2858

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: 1739

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: 5907

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: 20107

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: 1058

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: 2068

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: 533

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: 5891

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: 5534

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: 2325

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: 198

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: 680

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: 361

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.
by Call_Me_Op
Wed Feb 15, 2017 8:03 am
Forum: Personal Consumer Issues
Topic: Scary bed bug addendum on lease - should I walk away?
Replies: 30
Views: 3162

Re: Scary bed bug addendum on lease - should I walk away?

I'd walk away. My guess is that they have had bed bug problems in the past - perhaps even in that apartment.
by Call_Me_Op
Sat Feb 11, 2017 7:46 am
Forum: Forum Issues and Administration
Topic: [Bogleheads Sites Are Ad-Free]
Replies: 45
Views: 3081

Re: [Bogleheads Sites Are Ad-Free]

I vote for keeping the sit ad-free. There is nothing more annoying than a flashing ad on the edge of the page when I am trying to concentrate on what I am reading. This (not having ads) is one of the (many) things that makes this site special.
by Call_Me_Op
Fri Feb 10, 2017 7:59 am
Forum: Investing - Theory, News & General
Topic: Index Investors getting a free ride
Replies: 53
Views: 5496

Re: Index Investors getting a free ride

I fully disagree with that article. But suppose it's true for the moment. As more people ride for free, the bus company will have to charge a higher fare. There are always people who are willing to pay and they will end up paying more. True - and it never ceases to amaze me that some (supposedly) v...
by Call_Me_Op
Fri Feb 10, 2017 7:53 am
Forum: Investing - Theory, News & General
Topic: Total Bond is safe. Is it prudent?
Replies: 39
Views: 3994

Re: Total Bond is safe. Is it prudent?

I just came across this article in Kiplinger's: http://www.kiplinger.com/article/investing/T041-C007-S001-why-you-should-avoid-most-bond-index-funds.html It's rather old (2014) but makes the following point about TBM: So when you buy the Vanguard index fund or a similar fund sponsored by another fi...
by Call_Me_Op
Tue Feb 07, 2017 9:43 am
Forum: Investing - Theory, News & General
Topic: Any good alternative to TIPS in taxable account?
Replies: 15
Views: 907

Re: Any good alternative to TIPS in taxable account?

Holding TIPS notes in a taxable account seems unattractive due to how they are taxed each year. Holding a TIPS fund in a taxable account seems to deal with this tax issue but I do not believe there are enough TIPS funds with different durations to create a 15-20 year ladder that guarantees a given ...
by Call_Me_Op
Tue Feb 07, 2017 6:25 am
Forum: Investing - Theory, News & General
Topic: A note of caution from Robert Shiller
Replies: 66
Views: 9913

Re: A note of caution from Robert Shiller

Unless you are trying to time the market, this (or other opinions on asset prices) should not matter.
by Call_Me_Op
Mon Feb 06, 2017 7:31 am
Forum: Investing - Theory, News & General
Topic: Index Investors getting a free ride
Replies: 53
Views: 5496

Re: Index Investors getting a free ride

The active management community is obviously approaching the pinnacle of desperation.
by Call_Me_Op
Sat Feb 04, 2017 5:23 pm
Forum: Investing - Theory, News & General
Topic: bond funds vs owning individual bonds
Replies: 45
Views: 3321

Re: bond funds vs owning individual bonds

The reason for funds is diversification. If you won treasuries, funds are not necessary but for other bonds you should use a fund unless you own many many bonds. In principle, I agree, but I still own treasury funds versus individual treasuries for a few reasons: ⋅  Convenience. Sure, I p...
by Call_Me_Op
Sat Feb 04, 2017 8:35 am
Forum: Investing - Theory, News & General
Topic: It appears Fiduciary changes may not happen after all.
Replies: 84
Views: 6250

Re: It appears Fiduciary changes may not happen after all.

cheese_breath wrote:I'm sure we'll get all the latest scoop on Rick Edelman's opening rant on this weekend's program. :wink:


Indeed, I thought the same thing. I'm looking forward to it!
by Call_Me_Op
Fri Feb 03, 2017 12:55 pm
Forum: Personal Consumer Issues
Topic: online engineering degrees- waste?
Replies: 13
Views: 1698

Re: online engineering degrees- waste?

A worthwhile engineering program is a lot of work. I wouldn't do it unless I really love the field and plan to work in it.

BSEE/MSEE with 35 years experience.
by Call_Me_Op
Fri Feb 03, 2017 11:18 am
Forum: Investing - Theory, News & General
Topic: bond funds vs owning individual bonds
Replies: 45
Views: 3321

Re: bond funds vs owning individual bonds

Hi Im still relatively new to this forum and index investing. When discussing this with my friend in the investment industry, I was explaining my readings through this forum and several books and he questioned why I would use bond funds as opposed to buying bonds themselves. He expressed concern th...
by Call_Me_Op
Fri Feb 03, 2017 7:44 am
Forum: Investing - Help with Personal Investments
Topic: Treasury bond fund with 5 yr duration vs. 5 yr treasury bond
Replies: 6
Views: 485

Re: Treasury bond fund with 5 yr duration vs. 5 yr treasury bond

I understand that. I am wondering if the individual bond has a much higher duration to account for the much higher yield than the fund? No, you are still confusing maturity and duration. A bond with 5 year maturity has a duration below 5 years. If you want to compare a fund with 5 year average dura...
by Call_Me_Op
Fri Feb 03, 2017 7:34 am
Forum: Investing - Theory, News & General
Topic: Schwab lowers expense ratios. Time to transfer?
Replies: 6
Views: 956

Re: Schwab lowers expense ratios. Time to transfer?

What are you going to do when Vanguard lowers their expense ratio to 0.04% - switch back?
by Call_Me_Op
Fri Feb 03, 2017 7:31 am
Forum: Investing - Theory, News & General
Topic: Is a total market fund the most diversified
Replies: 157
Views: 13859

Re: Is a total market fund diversified?

Bogleheads: By any reasonable definition, an investor who owns a small and equal percentage of nearly every corporation in America is diversified in U.S. stocks. Best wishes Taylor But you've described an equal-weighted fund, not a cap-weighted fund. Was this intentional? I thought Taylor was sayin...
by Call_Me_Op
Thu Feb 02, 2017 7:35 am
Forum: Personal Consumer Issues
Topic: Treasury Direct Account Locked
Replies: 35
Views: 3102

Re: Treasury Direct Account Locked

mouses wrote:Any time I feel like having all my accounts compromised at once, I'll use an on the web password database.


Agreed. I wouldn't do it. Nothing with internet access is safe, IMHO.
by Call_Me_Op
Thu Feb 02, 2017 7:28 am
Forum: Investing - Help with Personal Investments
Topic: How do you guys ignore this stuff?
Replies: 80
Views: 8278

Re: How do you guys ignore this stuff?

Tracker968 wrote:It's hard not to want to cash out!


if that's true, then it sounds like you are taking more risk than is consistent with your risk tolerance.
by Call_Me_Op
Wed Feb 01, 2017 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: All in VANGUARD is that ok??
Replies: 51
Views: 5522

Re: All in VANGUARD is that ok??

Barb, Mel Lindauer addressed your question here: "What if Vanguard Went Broke?" https://www.bogleheads.org/wiki/Vanguard_safety l That doesn't completely answer the question, as it does not address fraud. The fraud would have to be small. $3 Trillion doesn't disappear. Small fraud would s...
by Call_Me_Op
Wed Feb 01, 2017 5:37 pm
Forum: Investing - Theory, News & General
Topic: Betterment just raised their costs.
Replies: 189
Views: 15557

Re: Betterment just raised their costs.

I really don't understand the extreme reactions. I mean, sometimes prices go up. Sometimes down. Obviously something each will need to evaluate. I wouldn't pay anything for an adviser of any sort. I wouldn't even turn over my portfolio if it were free. I would go a step further. I wouldn't even do ...

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