Search found 6466 matches

by Call_Me_Op
Sat Oct 21, 2017 5:49 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 228
Views: 27930

Re: Retirement Account Stolen by Identity theft

I'd look at this issue as a crime committed against Transamerica and not your father. Some crook fraudulently tricked Transamerica into emptying one of their customers accounts. Regardless of how it was done or the process used or where the funds went, the bottom line is that the bank was tricked b...
by Call_Me_Op
Sat Oct 21, 2017 5:38 am
Forum: Investing - Theory, News & General
Topic: Shiller: the 1987 stock market panic can happen again
Replies: 29
Views: 2455

Re: Shiller: the 1987 stock market panic can happen again

Had one stayed-the-course in 1987, he or she would have had a positive return for the year.
by Call_Me_Op
Thu Oct 19, 2017 6:43 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 228
Views: 27930

Re: Retirement Account Stolen by Identity theft

I don't know about the rest of you, but I am profoundly concerned that none of the brokerage firms provide a solid guarantee that you will be made whole in the event of fraud. To say that they will reimburse the customer if the account is compromised through no fault of the customer does not provide...
by Call_Me_Op
Mon Oct 16, 2017 11:17 am
Forum: Personal Consumer Issues
Topic: Earplugs that work on low frequency noise?
Replies: 35
Views: 1805

Re: Earplugs that work on low frequency noise?

* explosives dynamics gets creepy (a relative was an engineer in the military but this one I read in the Atlantic). In Israel they have learned that if a bus window is open, there will be fewer casualties if a bomb is detonated on the bus. The shock wave goes out the window whereas if closed, the w...
by Call_Me_Op
Sat Oct 14, 2017 4:46 pm
Forum: Investing - Theory, News & General
Topic: 10 year anniversary of the beginning of the Great Recession
Replies: 45
Views: 4247

Re: 10 year anniversary of the beginning of the Great Recession

Mr.BB wrote:
Fri Oct 13, 2017 12:53 pm
Call_Me_Op wrote:
Fri Oct 13, 2017 6:53 am
Speaking of the Great Recession, anybody know of a good book that covers what happened at the beginning?
Watch the movie "The Big Short"....GREAT movie, and it explains a lot!
Thanks guys.
by Call_Me_Op
Sat Oct 14, 2017 3:16 pm
Forum: Personal Consumer Issues
Topic: Earplugs that work on low frequency noise?
Replies: 35
Views: 1805

Re: Earplugs that work on low frequency noise?

Even if earplugs completely block the canals, some sound is conducted through the bone.

I personally cannot sleep with earplugs. I would consider talking to the neighbor and perhaps shifting my sleep schedule.
by Call_Me_Op
Sat Oct 14, 2017 6:28 am
Forum: Investing - Help with Personal Investments
Topic: Bonds v. bond funds
Replies: 36
Views: 1946

Re: Bonds v. bond funds

I'm curious as to why the standard advice/approach is to buy bond funds, rather than individual bonds? Aren't bond funds riskier, since there's no guarantee of making your investment back? There is no guarantee with some individual bonds either. Remember that a bond fund is nothing more than a coll...
by Call_Me_Op
Fri Oct 13, 2017 6:53 am
Forum: Investing - Theory, News & General
Topic: 10 year anniversary of the beginning of the Great Recession
Replies: 45
Views: 4247

Re: 10 year anniversary of the beginning of the Great Recession

Speaking of the Great Recession, anybody know of a good book that covers what happened at the beginning?
by Call_Me_Op
Thu Oct 12, 2017 9:38 am
Forum: Investing - Help with Personal Investments
Topic: Are we taking too much risk with Bonds in our AA?
Replies: 25
Views: 2048

Re: Are we taking too much risk with Bonds in our AA?

Hi everyone, I know that some can consider this as market timing.... However, we do know that the federal reserve started unwinding the recession stimulus. Additionally, we know that they are in the path of rising rates. Those are much more actionable today than in previous years. This stuff is alr...
by Call_Me_Op
Thu Oct 12, 2017 5:52 am
Forum: Personal Consumer Issues
Topic: Voiceprint technology (for authentication)
Replies: 24
Views: 1294

Re: Voiceprint technology (for authentication)

All of the large brokerage firms are starting to use this technology. Its reliability is good but it should not be used as the sole means of identification. It should be viewed as an additional layer of security. Given that brokerages do not have bullet-proof assurances that you will be reimbursed i...
by Call_Me_Op
Wed Oct 11, 2017 8:34 am
Forum: Investing - Help with Personal Investments
Topic: Cyber Security (or lack of) for Mutual Funds
Replies: 20
Views: 1498

Re: Cyber Security (or lack of) for Mutual Funds

Cheego, I share your concern. I have been very concerned that most or all of the customer protection guarantees have many conditions around them and in effect, compensation for customer losses is at the discretion of the firm. This is very different from credit card, debit cards, and bank accounts ...
by Call_Me_Op
Wed Oct 11, 2017 7:38 am
Forum: Investing - Help with Personal Investments
Topic: Cyber Security (or lack of) for Mutual Funds
Replies: 20
Views: 1498

Re: Cyber Security (or lack of) for Mutual Funds

Cheego, I share your concern. I have been very concerned that most or all of the customer protection guarantees have many conditions around them and in effect, compensation for customer losses is at the discretion of the firm. This is very different from credit card, debit cards, and bank accounts -...
by Call_Me_Op
Tue Oct 10, 2017 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Security
Replies: 66
Views: 6411

Re: Fidelity Security

Here's the account data security page on Fidelity's website https://www.fidelity.com/security/overview That page includes, "We're proud of the trust you place in Fidelity and want to ensure that you have peace of mind when doing business with us. That's why we offer this guarantee: We will reimburs...
by Call_Me_Op
Tue Oct 10, 2017 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Security
Replies: 66
Views: 6411

Re: Fidelity Security

stlutz wrote:
Fri Sep 08, 2017 11:41 pm
How does the VIP app really provide any extra security? To deactivate it all you have to do is call...
Is that true? Don't they ask additional questions or measure voice signature?
by Call_Me_Op
Sun Oct 08, 2017 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: Risk of Long Term Government Bond Index Fund (VLGSX)
Replies: 12
Views: 848

Re: Risk of Long Term Government Bond Index Fund (VLGSX)

but what if rates rise by say 6% over a short period of time. 17.6 X 6 = 105%. Can an individual bond have a value of zero or does the duration equation not work at some point? Duration is the first derivative of the price-yield curve. That is, strictly speaking, it (the linear relationship) is val...
by Call_Me_Op
Sun Oct 08, 2017 6:21 am
Forum: Investing - Theory, News & General
Topic: Has your "risk tolerance" been tested?
Replies: 105
Views: 6491

Re: Has your "risk tolerance" been tested?

Events in 2008 really shook me and even impacted my health. In my retirement account, I stayed the course but suspended rebalancing into bonds. But the real action was in taxable. I was stock-heavy (for me) and I sold the stock in mid September when the slide really accelerated. However, I bought ba...
by Call_Me_Op
Sat Oct 07, 2017 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: How much is enough umbrella insurance
Replies: 6
Views: 953

Re: How much is enough umbrella insurance

This has been discussed ad nauseum on Bogleheads. Do a search.
by Call_Me_Op
Sat Oct 07, 2017 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Keeping Tabs on Investment Accounts
Replies: 13
Views: 1140

Keeping Tabs on Investment Accounts

How do folks "keep tabs" on their various investment accounts? This question is related to attempting to prevent fraud. Do you check all of your accounts online, and how frequently? Do you make sure you have online access to all accounts (including bank accounts)? This question is prompted by the re...
by Call_Me_Op
Sat Oct 07, 2017 6:59 am
Forum: Investing - Theory, News & General
Topic: I'm thinking about cashing completely out of equites....
Replies: 75
Views: 8134

Re: I'm thinking about cashing completely out of equites....

I'm 56 years old and I have all the money I will ever need based on my lifestyle (boring). With the market overdue for a correction does it ever make sense to completely liqudate ones exposure to risk. I'm currently at a 50/50 mix. Thoughts? I don't think that make sense unless you have at least 10...
by Call_Me_Op
Sat Oct 07, 2017 6:18 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 228
Views: 27930

Re: Retirement Account Stolen by Identity theft

NotWhoYouThink wrote:
Fri Oct 06, 2017 8:17 pm
In Missouri I've never had a notary ask for more than a Driver's license. No thumbprint.
And Missouri is the "Show Me State."
by Call_Me_Op
Fri Oct 06, 2017 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 228
Views: 27930

Re: Retirement Account Stolen by Identity theft

This is very disturbing. I wonder how often something like this happens. Seems like a good reason to diversify custodians even though Vanguard's security seems solid.

Brak, please keep us informed.
by Call_Me_Op
Thu Oct 05, 2017 7:38 am
Forum: Investing - Help with Personal Investments
Topic: Question on Bond Portion of AA
Replies: 16
Views: 990

Re: Question on Bond Portion of AA

I think that the Aggregate Bond Index has a SEC yield of 2.5%? If rates spike upwards that yield could fall. Say what? An increase in rates will increase the yield (and drop the value). You are right. I was being lazy and substituted yield when I really meant return. If rates spike, the value will ...
by Call_Me_Op
Thu Oct 05, 2017 7:35 am
Forum: Personal Finance (Not Investing)
Topic: That blank stare... ?
Replies: 49
Views: 2881

Re: That blank stare... ?

My dad is like that (no idea and doesn't care), and my folks have been married for 60 years. So I guess it's not a show stopper. My mom doesn't really seem to mind that he doesn't care - but she has had a long time to get used to it.
by Call_Me_Op
Wed Oct 04, 2017 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Senior citizens can lose everything [to professional guardians via court rulings]
Replies: 111
Views: 9229

Re: Senior citizens can lose everything to this growing scam

Its too long, written like a novel. Hope I can find a synopsis somewhere. I want to know about this... but don't have time to read the entire story. What is the gist of this? It is pretty easy to take a short course and get a license to be a state appointed guardian to older people who are ruled in...
by Call_Me_Op
Mon Oct 02, 2017 5:48 am
Forum: Investing - Help with Personal Investments
Topic: Question on Bond Portion of AA
Replies: 16
Views: 990

Re: Question on Bond Portion of AA

alex_686 wrote:
Sun Oct 01, 2017 8:46 am
I think that the Aggregate Bond Index has a SEC yield of 2.5%? If rates spike upwards that yield could fall.
Say what? An increase in rates will increase the yield (and drop the value).
by Call_Me_Op
Sun Oct 01, 2017 7:16 am
Forum: Investing - Help with Personal Investments
Topic: Allocation - Nearing Retirement
Replies: 26
Views: 2914

Re: Allocation - Nearing Retirement

In my 50's a 30/50/20 I would be more than terrified. You are all but guaranteeing that you won't ever grow your savings. You have no chance at all of building wealth. I disagree. 30% in stocks is enough to produce a premium over inflation for the overall portfolio. I am in my 50's and hold about 3...
by Call_Me_Op
Thu Sep 28, 2017 7:54 am
Forum: Investing - Help with Personal Investments
Topic: How long a track record should a new fund have before I invest?
Replies: 13
Views: 814

Re: How long a track record should a new fund have before I invest?

When I first started investing, I bought-into the hogwash that I should look for a (actively managed) fund with a long track record. The truth is, that is meaningless. First, managers change all the time. Second, there are few if any managers who will consistently outperform. Then there is a long li...
by Call_Me_Op
Sat Sep 23, 2017 7:01 am
Forum: Investing - Help with Personal Investments
Topic: IRS Letter
Replies: 6
Views: 672

IRS Letter

I received a letter from the IRS claiming that I made an error of about $550 in my 2015 tax return. They are asking for payment in full within 30 days if I agree with them. After reviewing my records, I believe that the error is on their end. I assume I need to handle resolving this by snail mail, w...
by Call_Me_Op
Tue Sep 19, 2017 5:58 am
Forum: Investing - Help with Personal Investments
Topic: Invest in CDs rather than bonds
Replies: 9
Views: 1104

Re: Invest in CDs rather than bonds

So I was thinking of investing in an Intermediate Treasury Bond Index Fund because of it's non-correlation and to counter the Total Stock Market Index Fund in times of market loss. It's about a 1.5% forecast return in 5-years. A 5-year CD can be had at 2.4%. If rates rise, I can get out of the bank...
by Call_Me_Op
Tue Aug 29, 2017 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: Relative angry I will not co-sign
Replies: 90
Views: 8192

Re: Relative angry I will not co-sign

Close relative has frittered away a sizable inheritance and is now in danger of losing his house. Came to me for $ and I said no, came to me to co-sign a loan and I said no, and now he is furious and won't speak to me. You said it all. He "frittered away" his inheritance. He was irresponsible. That...
by Call_Me_Op
Mon Aug 28, 2017 11:07 am
Forum: Investing - Theory, News & General
Topic: John Bogle video (discusses international)
Replies: 44
Views: 4021

Re: John Bogle video (discusses international)

Jack appears to ignore the one good reason to invest internationally and that is greatly increased diversification. True, but many international fans also ignore reversion to the mean. The S&P now gets 50% of its revenues through international, so you get it without the added cost and IMHO risk. I ...
by Call_Me_Op
Sun Aug 27, 2017 7:08 am
Forum: Investing - Theory, News & General
Topic: John Bogle video (discusses international)
Replies: 44
Views: 4021

Re: John Bogle video (discusses international)

Jack appears to ignore the one good reason to invest internationally and that is greatly increased diversification.
by Call_Me_Op
Sun Aug 20, 2017 6:26 am
Forum: Investing - Theory, News & General
Topic: Irrational Despair?
Replies: 39
Views: 5867

Re: Irrational Despair?

DomDangelina wrote:
Fri Aug 18, 2017 11:48 am
Should we sell everything now?
This comment suggests that you have no plan. Every investor needs a plan to be successful.
by Call_Me_Op
Sun Aug 20, 2017 6:21 am
Forum: Investing - Theory, News & General
Topic: Boston Globe: Smart Investors May be Killing Capitalism
Replies: 44
Views: 4295

Re: Boston Globe: Smart Investors May be Killing Capitalism

The fault with all of these articles (that bash index funds) is that they fail to recognize that you need only a very small proportion of investors to be active in order to have reasonable price discovery. In other words, there is no problem unless almost everyone in an indexer, which will never hap...
by Call_Me_Op
Fri Aug 18, 2017 6:19 am
Forum: Investing - Help with Personal Investments
Topic: Lost $7000 today in ONE DAY!
Replies: 183
Views: 16234

Re: Lost $7000 today in ONE DAY!

Alex GR wrote:
Thu Aug 17, 2017 8:39 pm
Should I change the allocation if this kind of downswing bothers me? :confused
If you have to ask - then yes.
by Call_Me_Op
Thu Aug 17, 2017 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: what % of international stock
Replies: 31
Views: 1808

Re: what % of international stock

I have been 50-50 for many years, and intend to stay there for the foreseeable future. My choice has nothing to do with perceived valuations or relative return expectations, and everything to do with the strategy of very broad diversification.
by Call_Me_Op
Thu Aug 17, 2017 7:33 am
Forum: Investing - Help with Personal Investments
Topic: Emergin market bond fund in taxable
Replies: 12
Views: 729

Re: Emergin market bond fund in taxable

Maybe I'm skewing my terminology. 1. It's a traditional IRA funded with the usual after tax dollars 2. We cannot claim the tax deduction benefit due to >AGI 3. Are there/is there any "current" negative tax consequences using this emerging market bond fund for this IRA? When people refer to a "taxab...
by Call_Me_Op
Thu Aug 17, 2017 6:58 am
Forum: Investing - Help with Personal Investments
Topic: Emergin market bond fund in taxable
Replies: 12
Views: 729

Re: Emergin market bond fund in taxable

hammockman wrote:
Thu Aug 17, 2017 6:40 am
Thanks all.
1. Tropik T- Yes that is what I meant, The fund is an IRA funded with after tax dollars (and non-deductible-AGI to high)
That is not a taxable account.
by Call_Me_Op
Thu Aug 17, 2017 6:47 am
Forum: Personal Consumer Issues
Topic: Best Housing To Avoid Noise
Replies: 57
Views: 5043

Re: Best Housing To Avoid Noise

Very subjective. As I mentioned, road noise is a deal breaker for me. Never lived near a busy road before, so never knew. Knowing that now, I'm more observant of how many houses are on busy roads... I work in a big city and see all the houses and apartments on busy streets. Obviously, a lot of folk...
by Call_Me_Op
Wed Aug 16, 2017 10:08 am
Forum: Investing - Theory, News & General
Topic: REITs a disappointment, yet still useful
Replies: 20
Views: 3150

Re: REITs a disappointment, yet still useful

simplesauce wrote: REITs do not behave exactly like equities or bonds. They are useful in a diversified portfolio because of the rebalancing power and the low correlation.
Careful - REITs are stocks.
by Call_Me_Op
Wed Aug 16, 2017 8:15 am
Forum: Personal Consumer Issues
Topic: Best Housing To Avoid Noise
Replies: 57
Views: 5043

Re: Best Housing To Avoid Noise

Interesting topic for me, as I am dealing with this right now. I am quite sensitive to noise and a light sleeper. I have had to speak to a couple of neighbors about their noise, but I have come to the conclusion that the only reasonable long-term solution is a home on many acres, at least a few hund...
by Call_Me_Op
Mon Aug 14, 2017 6:29 am
Forum: Investing - Theory, News & General
Topic: It's easy to have an investment plan until you get punched in the face
Replies: 53
Views: 6911

Re: It's easy to have an investment plan until you get punched in the face

The Wall Street Journal asks an interesting question this week… As the U.S. stock market continues to set all-time highs, many investors are proudly adhering to their mantra of “buy and hold.” That is what financial advisers preach, and investors are sticking to it. For now, anyway. The tougher que...
by Call_Me_Op
Mon Aug 07, 2017 12:17 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Active Falls Short With Bonds Too
Replies: 13
Views: 2266

Re: Larry Swedroe: Active Falls Short With Bonds Too

This is interesting, since I recall Larry suggesting in the past that there are several things he doesn't like about a "Total Bond" (index) fund, such as its investment in MBS's.
by Call_Me_Op
Sun Aug 06, 2017 6:34 am
Forum: Personal Consumer Issues
Topic: Fence Boundary Issue
Replies: 24
Views: 1802

Re: Fence Boundary Issue

armeliusc wrote:
What would you do in this situation?
I'd move the fence.

If your neighbor built his fence in your yard, what would you have him do?
by Call_Me_Op
Fri Jun 23, 2017 11:01 am
Forum: Investing - Theory, News & General
Topic: [NY Times: Index fund evangelist is straying From His Gospel]
Replies: 32
Views: 3887

Re: Malkiel is reversing some of his views on passive investing

Malkiel must know in his heart that any exploitable inefficiencies will soon vanish.
by Call_Me_Op
Sun Jun 04, 2017 5:57 am
Forum: Investing - Theory, News & General
Topic: "Beware Fake Stock News"
Replies: 15
Views: 2441

Re: "Beware Fake Stock News"

Thanks Taylor. Thankfully, those of us who invest the Boglehead way do not need to be concerned with such schemes.
by Call_Me_Op
Sun Jun 04, 2017 5:50 am
Forum: Personal Finance (Not Investing)
Topic: What Will Home Care Cost?
Replies: 34
Views: 3976

Re: What Will Home Care Cost?

Cheese_breath,

I have little to offer in terms of answering your question, but I do want to express my sincere hope that her condition improves significantly. She is still fairly young, so it sounds like there is reason to be hopeful.