Search found 5853 matches

by Call_Me_Op
Tue Feb 09, 2016 8:41 am
Forum: Investing - Theory, News & General
Topic: $2 Trillion Valuation
Replies: 12
Views: 1069

Re: $2 Trillion Valuation

Seriously curious, is there anything stopping a company growing to $2 Trillion valuation, or $3T for that matter, if their earnings become so large to justify it? Earnings? Who need earnings? This could happen to a company with no earnings. Short-term valuations are based upon speculation, not earn...
by Call_Me_Op
Tue Feb 09, 2016 6:56 am
Forum: Investing - Help with Personal Investments
Topic: Thank goodness for my precious metals
Replies: 63
Views: 3314

Re: Thank goodness for my precious metals

Yes, we need precious metals. Let's see, an investment with 0% long-term real return that can lose 50% of its value at the drop of a hat. Where do I get some?
by Call_Me_Op
Tue Feb 09, 2016 6:51 am
Forum: Personal Finance (Not Investing)
Topic: Another question on umbrella insurance
Replies: 19
Views: 1656

Re: Another question on umbrella insurance

Maybe you should discuss it with her to see how she feels about it and her reason for still holding it. It is hard to imagine how she would get sued, but as Mel pointed out, if someone finds-out she has money they could try to come-up with something frivolous. It is indeed sad.
by Call_Me_Op
Mon Feb 08, 2016 1:54 pm
Forum: Personal Consumer Issues
Topic: generator [Thinking about a generator]
Replies: 33
Views: 1496

Re: generator

My main concerns with one of these are: 1.) They tend to be noisy, getting neighbors up in arms. 2.) They need to be kept clear of snow. This would be very inconvenient in an area prone to blizzards - which is when you are likely to need the generator. I think if you can house one in a shed with for...
by Call_Me_Op
Mon Feb 08, 2016 1:50 pm
Forum: Investing - Theory, News & General
Topic: Are US Stocks Overvalued?
Replies: 18
Views: 1837

Re: Are US Stocks Overvalued?

But if you look at rolling 15 year returns as far back as you want, 4.4% is on the low side. This bodes well for the future from a simplistic RTM perspective. Too simplistic, maybe. Or, take a look at independent 15 year periods: 1972 - 1986 ............ CAGR = 10.64% 1987 - 2001 ............ CAGR ...
by Call_Me_Op
Mon Feb 08, 2016 1:08 pm
Forum: Investing - Theory, News & General
Topic: Are US Stocks Overvalued?
Replies: 18
Views: 1837

Re: Are US Stocks Overvalued?

Taking a long view, it is hard to accept that the market would be overvalued given that the CAGR since 2000 (16 years) has only been about 4.4%. It's just as valid to say that the return since 1996 (20 years) has been 7.6% a year. Or the return since 1986 (30 years) has been 9.9% a year. Or the ret...
by Call_Me_Op
Mon Feb 08, 2016 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: What happens when car accident claim exceeds insurance limits?
Replies: 52
Views: 3772

Re: What happens when car accident claim exceeds insurance limits?

I just increased my uninsured/under-insured coverage from 20k/40k to 250k/500k. Less than $100 per year additional cost. The agent said "this is what we recommend to people" to which I replied "thanks for telling me now." Well done. I sincerely hope that turns out to be the wors...
by Call_Me_Op
Mon Feb 08, 2016 11:29 am
Forum: Personal Finance (Not Investing)
Topic: What happens when car accident claim exceeds insurance limits?
Replies: 52
Views: 3772

Re: What happens when car accident claim exceeds insurance limits?

I just increased my uninsured/under-insured coverage from 20k/40k to 250k/500k. Less than $100 per year additional cost. The agent said "this is what we recommend to people" to which I replied "thanks for telling me now."
by Call_Me_Op
Mon Feb 08, 2016 10:55 am
Forum: Personal Finance (Not Investing)
Topic: What happens when car accident claim exceeds insurance limits?
Replies: 52
Views: 3772

Re: What happens when car accident claim exceeds insurance limits?

I see. I'll consider increasing it - but I still do not understand why my health insurance would not cover my medical bills. Time off from work is not an issue for me. You'd have to check your insurance policy to see what their exclusions are. Some may cover it, others may not, still others may req...
by Call_Me_Op
Mon Feb 08, 2016 10:48 am
Forum: Personal Finance (Not Investing)
Topic: What happens when car accident claim exceeds insurance limits?
Replies: 52
Views: 3772

Re: What happens when car accident claim exceeds insurance limits?

I see. I'll consider increasing it - but I still do not understand why my health insurance would not cover my medical bills. Time off from work is not an issue for me.
by Call_Me_Op
Mon Feb 08, 2016 10:38 am
Forum: Personal Finance (Not Investing)
Topic: What happens when car accident claim exceeds insurance limits?
Replies: 52
Views: 3772

Re: What happens when car accident claim exceeds insurance limits?

Can someone kindly explain the uninsured/under-insured driver issue? Is this insurance to protect you in case you are injured by an uninsured/under-insured driver? Correct. If the other driver does not have insurance and is at fault for an accident, and you carry uninsured driver's insurance, your ...
by Call_Me_Op
Mon Feb 08, 2016 9:46 am
Forum: Personal Finance (Not Investing)
Topic: What happens when car accident claim exceeds insurance limits?
Replies: 52
Views: 3772

Re: What happens when car accident claim exceeds insurance limits?

Can someone kindly explain the uninsured/under-insured driver issue? Is this insurance to protect you in case you are injured by an uninsured/under-insured driver? Correct. If the other driver does not have insurance and is at fault for an accident, and you carry uninsured driver's insurance, your ...
by Call_Me_Op
Mon Feb 08, 2016 8:21 am
Forum: Investing - Help with Personal Investments
Topic: Moms $
Replies: 10
Views: 1315

Re: Moms $

With all the predictions for lots of market volatility and 4% returns I struggle to find a way to safely invest it for her where she would be getting any kind of decent return to make the risk worth it Thank you Do you think that someone here will know of some secret investment that can guarantee a...
by Call_Me_Op
Mon Feb 08, 2016 8:02 am
Forum: Investing - Theory, News & General
Topic: Are US Stocks Overvalued?
Replies: 18
Views: 1837

Re: Are US Stocks Overvalued?

Taking a long view, it is hard to accept that the market would be overvalued given that the CAGR since 2000 (16 years) has only been about 4.4%.
by Call_Me_Op
Sun Feb 07, 2016 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: What happens when car accident claim exceeds insurance limits?
Replies: 52
Views: 3772

Re: What happens when car accident claim exceeds insurance limits?

Can someone kindly explain the uninsured/under-insured driver issue? Is this insurance to protect you in case you are injured by an uninsured/under-insured driver?
by Call_Me_Op
Sun Feb 07, 2016 8:48 am
Forum: Investing - Help with Personal Investments
Topic: The $250,000 Question
Replies: 19
Views: 4091

Re: The $250,000 Question

Like the title says, I'm looking for a place to park $250,000. Right now the majority is sitting at EverBank (1.6% APR for six months - almost finished), two other internet banks (app. 1.0%), and a very small amount locally at basically no return. From what I see around 1.0% is around the rate at i...
by Call_Me_Op
Sat Feb 06, 2016 9:06 am
Forum: Personal Finance (Not Investing)
Topic: I'm dying with this portfolio
Replies: 4
Views: 944

Re: I'm dying with this portfolio

Fair winds, friend.
by Call_Me_Op
Sat Feb 06, 2016 9:00 am
Forum: Investing - Theory, News & General
Topic: The Gravy Train Departed?
Replies: 65
Views: 7898

Re: The Gravy Train Departed?

Now all I hear is how 80% of the market is ran by algorithmic machines, which are heavily manipulated by "the house". Is this true? Are the days over of the market actually reflecting our economy? Remember that these machines are trading units of ownership in real companies. Over long per...
by Call_Me_Op
Sat Feb 06, 2016 8:44 am
Forum: Investing - Theory, News & General
Topic: Case for Bull Market Next 15-20 Years
Replies: 18
Views: 2590

Re: Case for Bull Market Next 15-20 Years

Your investment approach should not depend upon anyone's stock market forecast.
by Call_Me_Op
Sat Feb 06, 2016 8:22 am
Forum: Investing - Help with Personal Investments
Topic: Disappointed in International Funds
Replies: 42
Views: 3335

Re: Disappointed in International Funds

I'm disappointed with the performance of my two international funds that I purchased back in 2012. Annual growth in 4 years has been a tepid 2%, which is much less than what I would have done if they were in the S&P 500. I purchased this on the advice of the Vanguard Advisory Services. Do you t...
by Call_Me_Op
Sat Feb 06, 2016 8:20 am
Forum: Investing - Theory, News & General
Topic: Bogleheads investment philosophy at huge risk?
Replies: 29
Views: 3272

Re: Bogleheads investment philosophy at huge risk?

Hi, I read this article that brings up the point that by blindly just buying index funds and holding without considering whether they are overpriced etc (i.e. bogleheads investment philosophy) is recipe for long term disaster. Curious to see what others think. That you would entertain this notion s...
by Call_Me_Op
Fri Feb 05, 2016 12:12 pm
Forum: Investing - Theory, News & General
Topic: Is there any investment that lets you get in/out whenever you want, and govt-guarantees you CPI as a return?
Replies: 20
Views: 989

Re: Is there any investment that lets you get in/out whenever you want, and govt-guarantees you CPI as a return?

Are you asking whether such an investment exists or whether it could theoretically exist? Obviously, it does not exist.
by Call_Me_Op
Thu Feb 04, 2016 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: 55 Single Divorced Female Looking To Invest!
Replies: 9
Views: 898

Re: 55 Single Divorced Female Looking To Invest!

Why the 10 year horizon? Will you not be needing money 20 years from now?
by Call_Me_Op
Thu Feb 04, 2016 10:56 am
Forum: Personal Consumer Issues
Topic: Sibling's destination wedding?
Replies: 110
Views: 6008

Re: Sibling's destination wedding?

I would be rather irritated if a sibling put me in this position.
by Call_Me_Op
Thu Feb 04, 2016 8:36 am
Forum: Personal Finance (Not Investing)
Topic: How to get a 200k+/year job?
Replies: 107
Views: 9996

Re: How to get a 200k+/year job?

You can make 200+ as a top-tier mid-career engineer, but I would focus on doing something you really love rather than focusing on achieving a certain salary. If you really enjoy something, you tend to become really good at it - and the money tends to follow.
by Call_Me_Op
Wed Feb 03, 2016 12:45 pm
Forum: Investing - Theory, News & General
Topic: Why didn't bond funds go down?
Replies: 27
Views: 3434

Re: Why didn't bond funds go down?

sawhorse wrote:When the Fed raises interest rates, bond funds are supposed to go down.


Incorrect. Where did you hear that?
by Call_Me_Op
Wed Feb 03, 2016 9:36 am
Forum: Investing - Theory, News & General
Topic: Taxable Accounts
Replies: 4
Views: 529

Re: Taxable Accounts

No - an IRA is tax-deferred or (n case of Roth) tax-free. When people refer to a taxable account, they are usually talking about a brokerage account. But more generally, a taxable account is any account where any interest, dividends, or capital gains are subject to taxation in the year they were rec...
by Call_Me_Op
Wed Feb 03, 2016 9:17 am
Forum: Investing - Help with Personal Investments
Topic: My portfolio
Replies: 9
Views: 544

Re: My portfolio

Looks great to me.
by Call_Me_Op
Wed Feb 03, 2016 8:31 am
Forum: Personal Finance (Not Investing)
Topic: What growth rate would you use?
Replies: 75
Views: 3540

Re: What growth rate would you use?

I'm conservative, so assume -2% for SAFE money and a few percent for stocks.
by Call_Me_Op
Wed Feb 03, 2016 7:53 am
Forum: Investing - Help with Personal Investments
Topic: FSEVX Distribution [Fidelity Spartan Extended Market]
Replies: 25
Views: 1231

Re: FSEVX Distribution

The question still remains; why did this fund make a large capital gain distribution in 2015 when the Vanguard equivalent did not? If it's not index turn-over and not shenanigans, then what is the explanation? Lack of ETF dual share structure is a very good candidate for the reason (see wiki ). Int...
by Call_Me_Op
Wed Feb 03, 2016 7:47 am
Forum: Investing - Theory, News & General
Topic: "Money in the stock market isn't real money"
Replies: 55
Views: 4991

Re: "Money in the stock market isn't real money"

What is "real money." I don't think such a thing exists.
by Call_Me_Op
Wed Feb 03, 2016 7:38 am
Forum: Investing - Help with Personal Investments
Topic: USD/EUR cost averaging of ETFs from the EU
Replies: 15
Views: 983

Re: dollar cost averaging of ETFs

As long as it is commission-free, no problem DCAing. If there is a commission, I'd do it in larger chunks.
by Call_Me_Op
Tue Feb 02, 2016 9:26 am
Forum: Personal Finance (Not Investing)
Topic: What services oes a financial advisor/planner provide?
Replies: 8
Views: 468

Re: What value does a financial advisor/planner bring?

betterfinances wrote:I'm wondering what services a financial advisor brings to you, and why a guy might have one.


A guy might have one if he does not want to make the effort to read a few books and think for himself.
by Call_Me_Op
Tue Feb 02, 2016 6:23 am
Forum: Investing - Theory, News & General
Topic: Arguments against small-caps
Replies: 10
Views: 1376

Re: Arguments against small-caps

I tilt toward small and value. I figure it is unlikely to hurt and may help. I also expect that there will be a rebalancing benefit. We only have past data to go on. While I do not believe we can project with any confidence into the future in terms of nominal returns, I do believe that relative perf...
by Call_Me_Op
Tue Feb 02, 2016 6:16 am
Forum: Investing - Theory, News & General
Topic: Charles Ellis' suggested portfolios by age
Replies: 53
Views: 4046

Re: Charles Ellis' suggested portfolios by age

I like Charlie, but I don't believe that age is the only determining factor for asset allocation - far from it. His recommendations are far too aggressive for me. As far as Buffets 90/10 suggestion, I think this is great for his wife, who will inherit $1 billion, and therefore have $100 million in c...
by Call_Me_Op
Mon Feb 01, 2016 12:59 pm
Forum: Investing - Theory, News & General
Topic: Value Investing
Replies: 6
Views: 1265

Re: Value Investing

I believe that the value factor is largely behavioral. People always chase winners and build-up unrealistic expectations for them. The winners are much more likely to disappoint than the losers, making the losers better long-term investments.
by Call_Me_Op
Mon Feb 01, 2016 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: Under-estimated my risk tolerance
Replies: 25
Views: 3205

Re: Under-estimated my risk tolerance

How do you know you have under-estimated your risk tolerance when it has not been really tested yet?
by Call_Me_Op
Mon Feb 01, 2016 12:47 pm
Forum: Investing - Theory, News & General
Topic: Bogle vs. Vanguard on International Funds
Replies: 27
Views: 3613

Re: Bogle vs. Vanguard on International Funds

And one thing to consider is that, counterintuitively, increasing diversification by adding international stocks might actually increase risk. There is a certain academic purity, though, to having international stocks in your portfolio, at least if you subscribe to the idea that capital moves fairl...
by Call_Me_Op
Mon Feb 01, 2016 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: FSEVX Distribution [Fidelity Spartan Extended Market]
Replies: 25
Views: 1231

Re: FSEVX Distribution

The question still remains; why did this fund make a large capital gain distribution in 2015 when the Vanguard equivalent did not? If it's not index turn-over and not shenanigans, than what is the explanation?
by Call_Me_Op
Mon Feb 01, 2016 12:36 pm
Forum: Investing - Theory, News & General
Topic: Equal weight index funds
Replies: 46
Views: 3193

Re: Equal weight index funds

garlandwhizzer wrote:A very good summary of the strengths of TSM. Gene Fama calls TSM the only true index fund.


Yes, but so what? That does not translate to the best investment.
by Call_Me_Op
Mon Feb 01, 2016 8:49 am
Forum: Investing - Theory, News & General
Topic: Equal weight index funds
Replies: 46
Views: 3193

Re: Equal weight index funds

This is nothing more than a small-cap tilt (IMO). So yes, expected return (and risk) is higher.
by Call_Me_Op
Mon Feb 01, 2016 8:43 am
Forum: Investing - Help with Personal Investments
Topic: Short-Term Fund, Thoughts Wanted
Replies: 11
Views: 960

Re: Short-Term Fund, Thoughts Wanted

Any insight as to the pros (if any) and cons to using a fund to replace a savings account would be great. First of all, the historical return means absolutely nothing for a bond fund. Your expected return is the current SEC yield. Second, This fund will fluctuate in value, so it is not a great subs...
by Call_Me_Op
Mon Feb 01, 2016 7:54 am
Forum: Investing - Help with Personal Investments
Topic: FSEVX Distribution [Fidelity Spartan Extended Market]
Replies: 25
Views: 1231

Re: FSEVX Distribution

I called Fidelity about this last year. Didn't get a straight answer, but I think much of the distribution is due to turn-over in the index. Some might be due to their efforts to juice returns, which I do not like. I told them that I am not interested in any shenanigans. The capital gains distribut...
by Call_Me_Op
Sun Jan 31, 2016 3:01 pm
Forum: Investing - Theory, News & General
Topic: How do ETFs work?
Replies: 53
Views: 2515

Re: How do ETFs work?

Some of my Vanguard ETFs paid out capital gains at the end of 2015. What that a mistake by Vanguard? I think this (the rather large capital gain distributions) is a peculiarity of Vanguard ETFs, since they are a share class of their mutual funds. I am not certain, but I recall that Vanguard ETF's n...
by Call_Me_Op
Sun Jan 31, 2016 2:57 pm
Forum: Personal Consumer Issues
Topic: Buy a TV Warranty?
Replies: 32
Views: 1628

Re: Buy a TV Warranty?

I do not buy warranties for the following reason. We know that in aggregate, the seller of the product is making money on this - meaning it is a good deal for them and a bad deal for you. This is like insurance, except you should only buy insurance for catastrophic loss. Hence, this is not a good id...
by Call_Me_Op
Sun Jan 31, 2016 1:01 pm
Forum: Investing - Theory, News & General
Topic: How do ETFs work?
Replies: 53
Views: 2515

Re: How do ETFs work?

For those comparing mutual funds to ETF's, I own both but the reasons I like ETF's are: 1.) They are available for all asset classes. 2.) All have low expense ratios. 3.) They are very tax-efficient because they do not distribute capital gains. I think if you do not trade ETF's frequently, they are ...
by Call_Me_Op
Sun Jan 31, 2016 11:30 am
Forum: Investing - Theory, News & General
Topic: How do ETFs work?
Replies: 53
Views: 2515

Re: How do ETFs work?

Thanks livesoft. So the major difference (for the retail investor) is when I purchase an ETF, I am not creating shares but rather trading shares with another entity. Is that right? That seems to make sense from the standpoint of the better ETF tax efficiency, because if many people sell an ETF, no s...
by Call_Me_Op
Sun Jan 31, 2016 11:18 am
Forum: Investing - Theory, News & General
Topic: How do ETFs work?
Replies: 53
Views: 2515

How do ETFs work?

I pretty-much understand the basics of how mutual funds work. Investor funds are pooled and a manager purchases (and manages) securities in accordance with some objective. When I buy into a mutual fund, I receive a number of shares (which are created) equal to my purchase amount divided by the closi...
by Call_Me_Op
Sun Jan 31, 2016 7:21 am
Forum: Investing - Help with Personal Investments
Topic: ETFs vs Mutual Funds
Replies: 7
Views: 504

Re: ETFs vs Mutual Funds

David Jay wrote:I am in the process of selling all of my ETFs to buy equivalent MF. So you might guess that I do not suggest buying as an ETF.


May I ask why? I assume this is in tax advantaged.
by Call_Me_Op
Sun Jan 31, 2016 7:18 am
Forum: Investing - Help with Personal Investments
Topic: FSEVX Distribution [Fidelity Spartan Extended Market]
Replies: 25
Views: 1231

Re: FSEVX Distribution

I called Fidelity about this last year. Didn't get a straight answer, but I think much of the distribution is due to turn-over in the index. Some might be due to their efforts to juice returns, which I do not like. I told them that I am not interested in any shenanigans. The capital gains distribut...

Go to advanced search