Search found 6281 matches

by Call_Me_Op
Thu Jan 19, 2017 8:06 am
Forum: Investing - Help with Personal Investments
Topic: All eggs in one basket
Replies: 14
Views: 1559

Re: All eggs in one basket

By having all of your eggs at Vanguard, you are counting on one (or both) of the following two things to be guaranteed 100%: 1.) Your Vanguard account can never be hacked. 2.) If your Vanguard account is hacked, you are assured to be made whole. I do not think that either of these is 100% guarantee...
by Call_Me_Op
Thu Jan 19, 2017 7:36 am
Forum: Investing - Help with Personal Investments
Topic: All eggs in one basket
Replies: 14
Views: 1559

Re: All eggs in one basket

By having all of your eggs at Vanguard, you are counting on one (or both) of the following two things to be guaranteed 100%: 1.) Your Vanguard account can never be hacked. 2.) If your Vanguard account is hacked, you are assured to be made whole. I do not think that either of these is 100% guaranteed...
by Call_Me_Op
Tue Jan 17, 2017 12:51 pm
Forum: Investing - Theory, News & General
Topic: 3 Vanguard Funds That Are Taking on Water
Replies: 29
Views: 5330

Re: 3 Vanguard Funds That Are Taking on Water

Sounds like market timing to me. I never try to guess what will happen next. Decide on a strategic asset allocation and stay the course. I avoid long-term bonds because of Pascal's wager - not because I think I know the direction of future interest rates.
by Call_Me_Op
Tue Jan 17, 2017 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Is Insurance Rebate Taxable?
Replies: 8
Views: 336

Re: Is Insurance Rebate Taxable?

HueyLD wrote:Policy dividends are considered a return of some of the premiums paid. They are not taxable to you.


Thank you Huey.
by Call_Me_Op
Tue Jan 17, 2017 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Is Insurance Rebate Taxable?
Replies: 8
Views: 336

Re: Is Insurance Rebate Taxable?

I guess my concern is that the word "rebate" is my own. The insurance company calls it a dividend that is based upon their profit. I am not sure if it can legitimately be considered a rebate - but I am inclined to think so. Thoughts? This is AMICA.
by Call_Me_Op
Tue Jan 17, 2017 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Is Insurance Rebate Taxable?
Replies: 8
Views: 336

Is Insurance Rebate Taxable?

Every year, my insurance company will return some amount of my paid premiums in the form of a "dividend" check. The amount is based upon how much profit the insurance company makes in that year. Any idea whether this is taxable?
by Call_Me_Op
Tue Jan 17, 2017 8:38 am
Forum: Personal Consumer Issues
Topic: Treasury Direct Account Locked
Replies: 19
Views: 1511

Re: Treasury Direct Account Locked

HueyLD wrote:I am confused. What limitations?


System expects a certain format for the inputs.
by Call_Me_Op
Tue Jan 17, 2017 8:36 am
Forum: Investing - Help with Personal Investments
Topic: What's a bearish investor to do?
Replies: 27
Views: 2513

Re: What's a bearish investor to do?

This is all about guessing and market timing. I agree with Taylor: Stay the Course! A 40/60 portfolio is already quite defensive.
by Call_Me_Op
Tue Jan 17, 2017 8:34 am
Forum: Personal Consumer Issues
Topic: Treasury Direct Account Locked
Replies: 19
Views: 1511

Re: Treasury Direct Account Locked

Called this morning and account has been unlocked. It appears that the problem was the system incorrectly recorded my answer to the question originally due to limitations in the software. I now know the "correct" answer.
by Call_Me_Op
Tue Jan 17, 2017 6:42 am
Forum: Personal Consumer Issues
Topic: Treasury Direct Account Locked
Replies: 19
Views: 1511

Re: Treasury Direct Account Locked

All,

Thanks for the replies. I plan to call today and will report back in order to close the loop.
by Call_Me_Op
Mon Jan 16, 2017 11:48 am
Forum: Personal Consumer Issues
Topic: Treasury Direct Account Locked
Replies: 19
Views: 1511

Re: Treasury Direct Account Locked

Thanks. Yes, it is possible that I did answer it differently as it is not a clear question. I shall have to wait until tomorrow to call them as today is a holiday.
by Call_Me_Op
Mon Jan 16, 2017 11:44 am
Forum: Personal Consumer Issues
Topic: Treasury Direct Account Locked
Replies: 19
Views: 1511

Treasury Direct Account Locked

I attempted to change the password on my Treasury Direct Account. In the process, they asked me a security question and I answered correctly. They indicated that I did not answer correctly, asked again, I again answered correctly, and then the system locked me out. Anybody else have this problem?
by Call_Me_Op
Sun Jan 15, 2017 5:54 pm
Forum: Investing - Theory, News & General
Topic: Who understands REITS?
Replies: 10
Views: 1218

Re: Who understands REITS?

Note that if you own a total market index, you own REITs already - and in proportion to their representation in the market. (Remember, REITs are stocks.)

Personally, I believe that tilting toward REITs provides limited if any benefit. Also, they should be held in a tax-advantaged account.
by Call_Me_Op
Wed Jan 11, 2017 8:00 am
Forum: Investing - Theory, News & General
Topic: Burton Malkiel says "Don't Buy Bonds"
Replies: 48
Views: 8683

Re: Burton Malkiel's Bond Recommendations

Bogleheads: Burton Malkiel and Charles Ellis wrote The Elements of Investing in 2010. Each recommended a different allocation in bonds based on age. This is Professor Malkiel's recommendation: Age ---- Percent in Bonds 20-30 -- 10% to 25% 40-50 -- 35% to 35% 60s------35% to 50% 70s------50% to 65% ...
by Call_Me_Op
Fri Jan 06, 2017 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Is a prenup always necessary when remarrying?
Replies: 49
Views: 3690

Re: Is a prenup always necessary when remarrying?

red_uu wrote: I can't see him ever getting greedy or ugly.


Then he should not mind signing a pre-nup, right?

Do you think anyone just getting married can envision their partner getting greedy or ugly?
by Call_Me_Op
Thu Jan 05, 2017 8:13 am
Forum: Investing - Theory, News & General
Topic: Why S & P 500 fund is safer than Total Stock Market fund
Replies: 40
Views: 5148

Re: Why S & P 500 fund is safer than Total Stock Market fund

Lots of questionable assumptions in the hypothesis. Also, S&P500 is NOT the 500 largest US companies.
by Call_Me_Op
Wed Jan 04, 2017 7:59 am
Forum: Personal Consumer Issues
Topic: Exterior Paint vs. Vinyl Siding
Replies: 24
Views: 1244

Re: Exterior Paint vs. Vinyl Siding

I guess it depends on what kind of neighborhood you are in. Vinyl siding says "cheap" to me. It also says - I have permanently solved that problem and can spend my time and financial resources doing other things in the future. I've lived next to a vinyl house for 20 years. I can't tell fr...
by Call_Me_Op
Mon Jan 02, 2017 8:28 am
Forum: Investing - Help with Personal Investments
Topic: I-bonds
Replies: 28
Views: 3300

Re: I-bonds

I was looking at the Treasury Direct website, and saw I-Bonds are yielding 2.76% which seems pretty attractive. Make sure you understand how they work. Your comment suggests that you do not. The total interest rate will change every 6 months. The fixed component, which stays with the bond, is very ...
by Call_Me_Op
Sun Jan 01, 2017 9:37 am
Forum: Investing - Theory, News & General
Topic: Performance of International
Replies: 11
Views: 1610

Re: Performance of International

I've never really understood something about international. There is definitely a group that makes that argument that you "don't need international"...seemingly implying that the it performs similar enough that theres not a big diversification benefit. In my mind, that's not the point. If...
by Call_Me_Op
Sat Dec 31, 2016 8:08 am
Forum: Investing - Help with Personal Investments
Topic: Any Buffett fans here?
Replies: 35
Views: 3233

Re: Any Buffett fans here?

Punta Cana DR wrote:I was using sarcasm that you caught...but others? All I hear is AA mantra, but times change to buy deals/assets?


Yes, that is known as speculation.
by Call_Me_Op
Thu Dec 29, 2016 6:10 pm
Forum: Investing - Theory, News & General
Topic: All your eggs in one basket vs. concern about being hacked?
Replies: 41
Views: 4181

Re: All your eggs in one basket vs. concern about being hacked?

Vanguard says they will make you whole: "Our online fraud policy Our commitment regarding online security is simple. If assets are taken from your account in an unauthorized online transaction on vanguard.com—and you've followed the steps described in the "Your responsibilities" sect...
by Call_Me_Op
Wed Dec 28, 2016 6:11 pm
Forum: Investing - Theory, News & General
Topic: Bernstein-"To Make Money They Didn't Need".....and Pascal's Wager
Replies: 187
Views: 18472

Re: Bernstein-"To Make Money They Didn't Need".....and Pascal's Wager

There is no problem with having a lot in equities after retirement as long as you have enough in safe investments. The folks that need to be real careful are those who have "just enough."
by Call_Me_Op
Sun Dec 25, 2016 7:42 am
Forum: Investing - Help with Personal Investments
Topic: Are Bonds Attractive Again?
Replies: 2
Views: 934

Re: Are Bonds Attractive Again?

Let's just say they are slightly less unattractive.
by Call_Me_Op
Sun Dec 25, 2016 7:38 am
Forum: Investing - Theory, News & General
Topic: Comparing Ferri and Malkiel's Bond Portfolios
Replies: 14
Views: 1916

Re: Comparing Ferri and Malkiel's Bond Portfolios

If bonds are supposed to be for safety, they both have it wrong - but Rick is closer
by Call_Me_Op
Sat Dec 24, 2016 9:10 am
Forum: Investing - Help with Personal Investments
Topic: Can I trust SIPC?
Replies: 22
Views: 1010

Re: Can I trust SIPC?

I'm aware that the SIPC doesn't protect against assets losing value. They only protect you if your brokerage firm fails or goes bankrupt, so that you can recover your assets in another brokerage. But Larry Kotlikoff is saying that even THIS protection, brokerage failure protection, is a scam. Becau...
by Call_Me_Op
Thu Dec 22, 2016 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy - do we still need it?
Replies: 36
Views: 3959

Re: Umbrella Policy - do we still need it?

When I talked to my husband last night, he asked why we need the umbrella policy. I don't have a good answer, because my initial reasons aren't valid anymore. You both pull a salary and I am sure you have some assets. If you own a home or drive a car, you are a candidate for being sued, and your as...
by Call_Me_Op
Thu Dec 22, 2016 7:41 am
Forum: Investing - Help with Personal Investments
Topic: Simple Bond Question - Stay or go back to TBM
Replies: 11
Views: 1500

Re: Simple Bond Question - Stay or go back to TBM

Either will work. Total Bond Market is somewhat more diversified, but I do not believe the difference is significant.
by Call_Me_Op
Thu Dec 22, 2016 6:34 am
Forum: Investing - Theory, News & General
Topic: What are the REAL reasons to avoid international?
Replies: 71
Views: 5235

Re: What are the REAL reasons to avoid international?

Dieharder wrote:Currency risk is the main reason to limit international.


Unless. of course, you view it as "currency diversification."
by Call_Me_Op
Tue Dec 20, 2016 7:36 am
Forum: Investing - Theory, News & General
Topic: Index funds is the reason for overvalued market
Replies: 23
Views: 2985

Re: Index funds is the reason for overvalued market

misterno wrote:Says hedge fund manager Bill Ackma

http://www.pragcap.com/dear-hedge-funds ... r-returns/

What do you think?


If yah can't beat 'em (index funds), criticize 'em.
by Call_Me_Op
Tue Dec 13, 2016 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Bad Time for a Retiree To Invest Heavy in Bonds?
Replies: 24
Views: 4300

Re: Bad Time for a Retiree To Invest Heavy in Bonds?

WadeLawrence wrote: But I'm a little leery of funds that invest 50-80% into bonds....with interest rates likely on the rise, isn't this a bad time to invest now in bonds?


If you have a long time horizon, then rising rates will benefit short and intermediate bonds.
by Call_Me_Op
Mon Dec 12, 2016 12:26 pm
Forum: Investing - Theory, News & General
Topic: Bogle: ETF investors’ returns trailed by 1.6 percent over 12 months.
Replies: 13
Views: 1395

Re: Bogle: ETF investors’ returns trailed by 1.6 percent over 12 months.

691175002 wrote:I think he is implying that the returns actually achieved by investors in the 3000% turnover ETF are lower than in the 8% turnover mutual fund, not that one underperforms the other.


Yes, this is not ETF performance, it is lagging due to attempts to time the market.
by Call_Me_Op
Mon Dec 12, 2016 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Forever stocks (and building your own index fund)
Replies: 62
Views: 4873

Re: Forever stocks (and building your own index fund)

Cost is not the only factor - aggravation must count for something. Plus you need to buy the stocks in the first place - so that is a cost.
by Call_Me_Op
Fri Dec 09, 2016 12:48 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman challenges John Bogle
Replies: 157
Views: 13187

Re: Reducing risk?

A Merriman portfolio would have done great in 2000-2002 compared to the broad indexes and probably crashed a bit harder than the market in 2008-2009. Past performance is no guarantee of future performance. That's why Paul recommends a healthy serving of high-quality short-intermediate term bonds. I...
by Call_Me_Op
Fri Dec 09, 2016 9:43 am
Forum: Personal Consumer Issues
Topic: Certificate of Insurance from Prospective Contractor
Replies: 11
Views: 764

Re: Certificate of Insurance from Prospective Contractor

corysold wrote:How many other options were there? I'd say you'd at least want a second quote for comparison sake.


I have used guys in the past to do this, so I know the fair price range. Usually, it comes to about 10 bucks per inch of snowfall. I am in a high cost area.
by Call_Me_Op
Fri Dec 09, 2016 9:30 am
Forum: Personal Consumer Issues
Topic: Certificate of Insurance from Prospective Contractor
Replies: 11
Views: 764

Re: Certificate of Insurance from Prospective Contractor

Note that his Craigslist ad indicates that he is fully insured. I just want to verify that. In addition, the ad indicates that he does other landscaping services, and he told me that he has 3 plows.
by Call_Me_Op
Fri Dec 09, 2016 9:05 am
Forum: Personal Consumer Issues
Topic: Certificate of Insurance from Prospective Contractor
Replies: 11
Views: 764

Certificate of Insurance from Prospective Contractor

I found a landscaper on Craigslist who said he handles snow shoveling (in addition to plowing) - hard to find in my area. I am meeting him Saturday (outside of my house) to get an estimate for the winter season. Two things are bothering me (a little) and I want to run them by members of the board: 1...
by Call_Me_Op
Fri Dec 09, 2016 7:43 am
Forum: Investing - Theory, News & General
Topic: Paul Merriman challenges John Bogle
Replies: 157
Views: 13187

Re: Reducing risk?

nedsaid wrote:A Merriman portfolio would have done great in 2000-2002 compared to the broad indexes and probably crashed a bit harder than the market in 2008-2009. Past performance is no guarantee of future performance.


That's why Paul recommends a healthy serving of high-quality short-intermediate term bonds.
by Call_Me_Op
Fri Dec 09, 2016 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Just too conservative for my own good
Replies: 30
Views: 4206

Re: Just too conservative for my own good

I don't understand the OP's point. There is no risk in the past. You can always opine that you could have made more if you were more heavily invested in the asset classes that performed better. But the truth is that had you had a higher nominal allocation to stocks, you may have actually made out WO...
by Call_Me_Op
Thu Dec 08, 2016 1:01 pm
Forum: Investing - Theory, News & General
Topic: "5 Ways You’re Sabotaging Your Retirement"
Replies: 6
Views: 2751

Re: "5 Ways You’re Sabotaging Your Retirement"

Article has minor error - indicating March 2008 when they mean March 2009.
by Call_Me_Op
Thu Dec 08, 2016 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: Inflation protection for retiree portfolio
Replies: 24
Views: 2276

Re: Inflation protection for retiree portfolio

brak wrote:At the same time, if we strive for simplicity and just go for the three fund portfolio, am I right in assuming that this portfolio offers no inflation protection?


What do you mean by "inflation protection?"
by Call_Me_Op
Wed Dec 07, 2016 7:32 am
Forum: Investing - Help with Personal Investments
Topic: Retiring in a Decade after Graduation
Replies: 131
Views: 15154

Re: Retiring in a Decade after Graduation

Hello and welcome to the Bogleheads forum! Two thoughts: 1.) I would never give-up the free money that comes with 401k matching - regardless of my plans. 2.) Thinking that a 90-10 portfolio (funded using a typical ME job) will make you rich (i.e., provide for a 60+year retirement) over the next deca...
by Call_Me_Op
Tue Dec 06, 2016 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: TIPS [good time to invest?]
Replies: 4
Views: 621

Re: TIPS [good time to invest?]

My answer would be "not really" - based upon the current 10-year real yield of about 0.44%. That still puts TIPS in the "expensive" zone, historically speaking.
by Call_Me_Op
Tue Dec 06, 2016 5:42 pm
Forum: Investing - Theory, News & General
Topic: High Grade Munis -
Replies: 3
Views: 649

Re: High Grade Munis -

The highest-quality muni fund of which I am aware is BMBIX.
by Call_Me_Op
Tue Dec 06, 2016 7:25 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity or Vanguard
Replies: 45
Views: 3558

Re: Fidelity or Vanguard

Imagine 5 years from now when you have a good chunk of capital gains built up in your funds. What are you going to do when Fidelity decides to cash in on customers like you and announces that it plans to raise its Expense ratios? I doubt Fidelity will do this unless Vanguard does it first. The last...
by Call_Me_Op
Tue Dec 06, 2016 6:40 am
Forum: Investing - Help with Personal Investments
Topic: How much risk do we need to take? Retired at age 47.
Replies: 56
Views: 6296

Re: How much risk do we need to take? Retired at age 47.

120 minus (age) 47 = 73% stocks. So if you're at only 65% then you're taking less risk than most 47 year olds. Not sure why this is relevant, when most 47 year-olds do not have enough money to retire - and these folks certainly do. If in the OP's shoes, I would reduce risk (volatility) somewhat. I ...
by Call_Me_Op
Mon Dec 05, 2016 8:05 am
Forum: Investing - Theory, News & General
Topic: Retirees and risk-taking
Replies: 11
Views: 1338

Re: Retirees and risk-taking

I think that for any such discussions, one must realize that it is one thing to imagine a stock market melt-down and quite another to live through one. So judge your risk tolerance not by what you think you would do, but what you have done (during a market crash).

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