Search found 6127 matches

by Call_Me_Op
Sun Aug 28, 2016 5:59 am
Forum: Investing - Theory, News & General
Topic: "How to Tell if Your Retirement Nest Egg Is Big Enough"
Replies: 55
Views: 10559

Re: "How to Tell if Your Retirement Nest Egg Is Big Enough"

with 20-25 years worth of residual expenses in "safe" fixed income In the age of no pensions having 20-25 years invested with no risk does not seem practical for middle class. I did not interpret his recommendation the same way you did. I think he is saying (in this article) that once you...
by Call_Me_Op
Sun Aug 21, 2016 7:08 am
Forum: Personal Finance (Not Investing)
Topic: Get a mortgage even if not needed?
Replies: 41
Views: 3584

Re: Get a mortgage even if not needed?

I'm getting closer to buying my first house with cash but I wonder if it would be advantageous to finance part of the purchase even though I could afford to pay in cash. I don't have any debt. Is cash always the best way to pay if possible? It is not possible to say which is the "best" op...
by Call_Me_Op
Sat Aug 20, 2016 6:26 am
Forum: Investing - Theory, News & General
Topic: How do you approximate total stock index using S&P 500, mid, and small cap?
Replies: 6
Views: 723

Re: How do you approximate total stock index using S&P 500, mid, and small cap?

Rodc wrote:Consider that an S&P 500 fund does a remarkable job of approximating the total market all by itself.


Indeed, which explains why the total market index is considered large-cap growth.
by Call_Me_Op
Tue Aug 16, 2016 1:48 pm
Forum: Investing - Theory, News & General
Topic: Someone wants to pay me to manage their finances
Replies: 46
Views: 4144

Re: Someone wants to pay me to manage their finances

smartinwate wrote:+1. Too much liability. You'll get blamed when (not if) the next market downturn happens.


+2. You'll be surprised how fast friendship will vanish when you are blamed for losing your friend's money (even though the loss might be due to typical market fluctuations).
by Call_Me_Op
Mon Aug 15, 2016 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Time to sell VTIAX
Replies: 10
Views: 1393

Re: Time to sell VTIAX

I have been monitoring performance of VTIAX for a while, as compared to the Foreign Stock Category Average (as published by AAII). Its returns for the last yr, last 3 years and last 5 years have been consistently lower than of its peers. For the last 5 yrs the returns have been .5, 1.9 less than it...
by Call_Me_Op
Mon Aug 15, 2016 5:34 am
Forum: Investing - Theory, News & General
Topic: Charles Ellis on Wealthtrack.com tonight. Link provided.
Replies: 14
Views: 1639

Re: Charles Ellis on Wealthtrack.com tonight. Link provided.

segfault wrote:One of my pet peeves is when someone says you shouldn't use age in bonds, but doesn't say what you should use instead.


Actually, he did say; less than age in bonds.
by Call_Me_Op
Sun Aug 14, 2016 12:10 pm
Forum: Investing - Theory, News & General
Topic: Charles Ellis on Wealthtrack.com tonight. Link provided.
Replies: 14
Views: 1639

Re: Charles Ellis on Wealthtrack.com tonight. Link provided.

Thought his view on bonds to be extreme except for the very, very young. Of course there wasn't much time spent on it. One problem with his view of human capital being equivalent to a bond is that there is great uncertainty that you will able to work until your full retirement date. Thus, this bond...
by Call_Me_Op
Fri Aug 12, 2016 6:41 am
Forum: Investing - Help with Personal Investments
Topic: Bond Mutual Fund Returns So High?
Replies: 6
Views: 827

Re: Bond Mutual Fund Returns So High?

Hi Guys, I'm looking on investing around $10k for about 3 years. I took a long on Vanguard and there are a few bond funds that seem to give really great returns but it almost seems too good to be true. For ex: Vanguard Long-Term Government Bond Index Fund Admiral Shares returned 11.76% over the pas...
by Call_Me_Op
Thu Aug 11, 2016 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Life Strategy Funds
Replies: 32
Views: 3545

Re: Vanguard Life Strategy Funds

I put my mom's IRA into Life Strategy Moderate Growth. She has broad exposure to stocks and bonds across the globe (automatically rebalanced) and doesn't have to lift a finger or worry about it. She just collects her RMD checks.That's perfect for her and for me. Prior to my moving her money to Vang...
by Call_Me_Op
Thu Aug 11, 2016 10:09 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Life Strategy Funds
Replies: 32
Views: 3545

Re: Vanguard Life Strategy Funds

I put my mom's IRA into Life Strategy Moderate Growth. She has broad exposure to stocks and bonds across the globe (automatically rebalanced) and doesn't have to lift a finger or worry about it. She just collects her RMD checks.That's perfect for her and for me. Prior to my moving her money to Vangu...
by Call_Me_Op
Wed Aug 10, 2016 7:14 am
Forum: Investing - Theory, News & General
Topic: Bogle & Buffett on International Investing
Replies: 102
Views: 8476

Re: Bogle & Buffett on International Investing

I am confounded by conflicting advice from some investment legends as to whether investing in international equities makes sense. For example, I believe John Bogle and Warren Buffett have advised most people to invest in US equities only, whereas Burt Malkiel recommends a healthy allocation to inte...
by Call_Me_Op
Wed Aug 10, 2016 7:06 am
Forum: Investing - Help with Personal Investments
Topic: Are bonds necessary for young investors?
Replies: 58
Views: 3236

Re: Are bonds necessary for young investors?

RJER wrote:Are bond funds necessary to every investor's asset allocation?


"Necessary" is a strong word. Bond funds are probably not "necessary" for anyone.
by Call_Me_Op
Tue Aug 09, 2016 6:26 am
Forum: Personal Finance (Not Investing)
Topic: Are any Bogleheads financial advisors on the side?
Replies: 21
Views: 2689

Re: Are any Bogleheads financial advisors on the side?

Only for my mom, who is in her 80's.
by Call_Me_Op
Mon Aug 08, 2016 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: Are Muni Bonds right for me?
Replies: 10
Views: 916

Re: Are Muni Bonds right for me?

If I were to ask a follow-up, it would be what role do you intend these funds to play in your portfolio? Thanks for the reply. For me, these would serve as my bond holdings in taxable. They could also serve as a reserve I could sell in the event I needed cash, but get a decent (read some) return in...
by Call_Me_Op
Mon Aug 08, 2016 12:22 pm
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 84
Views: 7397

Re: How much international stock? A suggestion.

Of course, there are other experts who disagree.
by Call_Me_Op
Mon Aug 08, 2016 12:19 pm
Forum: Personal Consumer Issues
Topic: Bug-proofing an apartment?
Replies: 17
Views: 1438

Re: Bug-proofing an apartment?

Unfortunately, if your neighbors are dirty people who leave food out, you're going to have bugs. That's one downside to living in a multi-family unit. That's unfair. The only type of neighbors that don't have bugs are the ones that liberally apply toxic substances. I'm sorry but what's unfair about...
by Call_Me_Op
Mon Aug 08, 2016 7:16 am
Forum: Investing - Help with Personal Investments
Topic: Are Muni Bonds right for me?
Replies: 10
Views: 916

Re: Are Muni Bonds right for me?

No problem. Just be aware that the expected return is close to the current SEC yield. Also, with longer-term bonds there is significant interest-rate risk. The High-Yield and Long-Term funds will not hold-up as well as the Intermediate-Term fund when the markets become unhinged. If I were to ask a f...
by Call_Me_Op
Mon Aug 08, 2016 7:08 am
Forum: Personal Consumer Issues
Topic: Bug-proofing an apartment?
Replies: 17
Views: 1438

Re: Bug-proofing an apartment?

For the ants try Terro (available at big box stores and other hardware stores). They work wonders. If you decide to use Terro liquid ant bait, be aware that at first it will increase the number of ants you see. Do not kill them yourself. These worker ants will take the bait back to the nest to feed...
by Call_Me_Op
Mon Aug 08, 2016 6:23 am
Forum: Personal Finance (Not Investing)
Topic: Time to worry about Treasury Direct???
Replies: 31
Views: 3745

Re: Time to worry about Treasury Direct???

I see where the OP is coming from. I have never texted a message in my life. But apparently, we are being given no choice.

I have been perfectly happy with TD sending me a verification code by email. Not sure why they need to change that.
by Call_Me_Op
Mon Aug 08, 2016 5:48 am
Forum: Investing - Theory, News & General
Topic: "Yes, You Still Suck at Investing"
Replies: 33
Views: 5488

Re: "Yes, You Still Suck at Investing"

Thanks Taylor. Kind of odd that the under-performance of both the stock and bond markets were exactly the same, 3.66%.
by Call_Me_Op
Mon Aug 08, 2016 5:42 am
Forum: Personal Consumer Issues
Topic: Bug-proofing an apartment?
Replies: 17
Views: 1438

Re: Bug-proofing an apartment?

You cannot seal all openings. Certainly, you can do your best to do this. It would also help to ensure that you leave NO food remnants around. This means keeping all leftover food outside of the apartment or in the fridge. Where you want to be careful is when people start suggesting spraying poisons...
by Call_Me_Op
Sun Aug 07, 2016 6:06 am
Forum: Investing - Help with Personal Investments
Topic: Help for 60 year old
Replies: 11
Views: 1407

Re: Help for 60 year old

Reading some of the above makes me realize just how risk-averse I am. I am in my 50's and can't stomach above 40% in risky investments.
by Call_Me_Op
Fri Aug 05, 2016 8:08 am
Forum: Investing - Theory, News & General
Topic: Rick Ferri's Bond Portfolio
Replies: 29
Views: 4010

Re: Rick Ferri's Bond Portfolio

You do not need wide diversification in bonds is you use very high quality issues. This is related to an ongoing debate between those who favor diversifying across bond risks and those who believe that risk is better rewarded on the equity side and suggest keeping bonds ultra-safe. I am in the latte...
by Call_Me_Op
Fri Aug 05, 2016 6:39 am
Forum: Investing - Help with Personal Investments
Topic: Very late to the party.
Replies: 10
Views: 1785

Re: Very late to the party.

Having trouble understanding the problem here.
by Call_Me_Op
Thu Aug 04, 2016 9:58 am
Forum: Investing - Theory, News & General
Topic: Bucket Portfolios - when to create buckets and how much cash
Replies: 26
Views: 2592

Re: Bucket Portfolios - when to create buckets and how much cash

I consider the Boglehead investing approach a form of bucket strategy. Basically, it's 2 buckets - SAFE and RISKY. I think this is all anyone needs, and it's simple to manage. I think other bucket approaches are too complicated and have several other short-comings. If someone wants to think that wa...
by Call_Me_Op
Thu Aug 04, 2016 8:53 am
Forum: Personal Finance (Not Investing)
Topic: daves ramsey new ELPs [Endorsed Local Providers]
Replies: 37
Views: 3173

Re: daves ramsey new ELPs [Endorsed Local Providers]

coachz wrote:Those people are expecting 12% returns. Not gonna happen.


Not even in "good growth mutual funds?" :)
by Call_Me_Op
Thu Aug 04, 2016 6:15 am
Forum: Investing - Theory, News & General
Topic: Bucket Portfolios - when to create buckets and how much cash
Replies: 26
Views: 2592

Re: Bucket Portfolios - when to create buckets and how much cash

We could play with the definitions all day long and argue ad infinitum about it. I was criticizing the popular version of buckets, where one spends from the fixed income bucket until stocks recover. But doesn't a balanced Boglehead portfolio work the same way? Let's say you are 50/50 stocks/bonds a...
by Call_Me_Op
Wed Aug 03, 2016 6:22 pm
Forum: Investing - Help with Personal Investments
Topic: Do I need small and mid cap?
Replies: 11
Views: 931

Re: Do I need small and mid cap?

Need is a strong word. The bottom line is that nobody can answer this question. Even if we know what you have and what your needs are, we cannot predict future performance of any asset class. As far a "what would you do," I can tell you that I tilt toward small and value because I like to ...
by Call_Me_Op
Wed Aug 03, 2016 6:18 pm
Forum: Investing - Theory, News & General
Topic: Bucket Portfolios - when to create buckets and how much cash
Replies: 26
Views: 2592

Re: Bucket Portfolios - when to create buckets and how much cash

Hoping that a "risky bucket" will recover in time , before the "safe buket" is depleted requires a belief that stocks will always recover in time. Yet, even when I look as hard as I can, I am unable to find any such promise written on my stock certificates. Buckets are a risky s...
by Call_Me_Op
Wed Aug 03, 2016 6:27 am
Forum: Investing - Theory, News & General
Topic: Bucket Portfolios - when to create buckets and how much cash
Replies: 26
Views: 2592

Re: Bucket Portfolios - when to create buckets and how much cash

I consider the Boglehead investing approach a form of bucket strategy. Basically, it's 2 buckets - SAFE and RISKY. I think this is all anyone needs, and it's simple to manage. I think other bucket approaches are too complicated and have several other short-comings. If someone wants to think that wa...
by Call_Me_Op
Tue Aug 02, 2016 5:49 am
Forum: Investing - Theory, News & General
Topic: Bucket Portfolios - when to create buckets and how much cash
Replies: 26
Views: 2592

Re: Bucket Portfolios - when to create buckets and how much cash

I consider the Boglehead investing approach a form of bucket strategy. Basically, it's 2 buckets - SAFE and RISKY. I think this is all anyone needs, and it's simple to manage. I think other bucket approaches are too complicated and have several other short-comings.
by Call_Me_Op
Tue Aug 02, 2016 5:41 am
Forum: Personal Finance (Not Investing)
Topic: Electrical Engineering OR Computer Science?
Replies: 52
Views: 2948

Re: Electrical Engineering OR Computer Science?

He should do what he enjoys most. The success will follow.

Disclosure: Electrical Engineer (BSEE & MSEE) and 30+ years experience - and wouldn't change a thing.
by Call_Me_Op
Mon Aug 01, 2016 7:03 am
Forum: Personal Consumer Issues
Topic: Retaining wall on neighbor's property
Replies: 69
Views: 4926

Re: Retaining wall on neighbor's property

Loik098 wrote:I'm also not a retired curmudgeon, hell-bent on taking my pride in preserving property lines to my grave. Maybe that will change when I get older.


I think you are definitely missing something. I felt the way you do before I became a homeowner. Do you own a home?
by Call_Me_Op
Mon Aug 01, 2016 6:56 am
Forum: Investing - Theory, News & General
Topic: Edelman on Muni's
Replies: 29
Views: 2102

Edelman on Muni's

I happened to catch Ric Edelman's radio show this past weekend. On it, he claimed that people should avoid muni bonds because if the federal income-tax exemption is rescinded, the bonds could lose 30%-40% of their value - since this is the range of applicable tax rates. This seems to me to be extrem...
by Call_Me_Op
Sun Jul 31, 2016 7:01 am
Forum: Personal Finance (Not Investing)
Topic: has anyone wished they worked one or two more years
Replies: 76
Views: 6592

Re: has anyone wished they worked one or two more years

The important factor is not how much you have amassed in nominal dollars, but what multiple of projected income need you have amassed. Assuming that projected income need equals current expenses is a reasonable estimate. If X = projected annual income need, I think if you have amassed (94-age)*X, yo...
by Call_Me_Op
Sun Jul 31, 2016 6:26 am
Forum: Personal Consumer Issues
Topic: What is your plan if you lose job tomorrow ??
Replies: 73
Views: 5990

Re: What is your plan if you loose job tomorrow ??

I went through a long period of financial insecurity. I learned to live way below my means, pay off debt and save. Now, I have the option to work part-time, think of early retirement, start a second career, etc. My suggestion is 1) Always build your work skills 2) Network with others in your career...
by Call_Me_Op
Sat Jul 30, 2016 7:38 am
Forum: Personal Consumer Issues
Topic: Retaining wall on neighbor's property
Replies: 69
Views: 4926

Re: Retaining wall on neighbor's property

You need to move the wall. I would also pay the workers the extra amount - assuming you want a good wall. Check with the local building department as to whether a permit is needed for this type of wall.
by Call_Me_Op
Fri Jul 29, 2016 6:37 am
Forum: Personal Finance (Not Investing)
Topic: 5 reasons the rich are better investors than average Joe
Replies: 14
Views: 2898

Re: 5 reasons the rich are better investors than average Joe

sdsailing wrote:Most Madoff victims were rich.


Indeed. Enough said.
by Call_Me_Op
Fri Jul 29, 2016 6:24 am
Forum: Investing - Theory, News & General
Topic: Anti-Boglehead Claims There is a Better Way to Invest
Replies: 82
Views: 9768

Re: Anti-Boglehead Claims There is a Better Way to Invest

you need to explain why the higher expected return of stocks over bonds has not been arbitraged away. Please refer to my post on the first page of this thread. https://www.bogleheads.org/forum/viewtopic.php?f=10&t=195639#p2984438 If you're not familiar with CAPM, SML, Fama French, and the assoc...
by Call_Me_Op
Thu Jul 28, 2016 6:38 am
Forum: Investing - Theory, News & General
Topic: Anti-Boglehead Claims There is a Better Way to Invest
Replies: 82
Views: 9768

Re: Anti-Boglehead Claims There is a Better Way to Invest

Personally, I've always felt the "small cap value tilt" was a product of backwards data mining. If there was any past overperformance, that advantage was likely arbitraged away when everyone started talking about it. By that thinking, the advantage of stocks over bonds should be "arb...
by Call_Me_Op
Thu Jul 28, 2016 6:32 am
Forum: Investing - Theory, News & General
Topic: Fidelity Go (Robo-Service) has launched nationwide
Replies: 19
Views: 3376

Re: Fidelity Go (Robo-Service) has launched nationwide

mervinj7 wrote:Fidelity Go is their new robo-advisor service. Minimum to start is $5k. Max fee is 0.35% for tax advantaged accounts.


That's 0.35% per year that can remain in my account.
by Call_Me_Op
Thu Jul 28, 2016 6:28 am
Forum: Investing - Theory, News & General
Topic: Interesting Interaction with Edward Jones
Replies: 43
Views: 3377

Re: Interesting Interaction with Edward Jones

Grateful1 wrote:A moment ago I answered a knock on the door...


Your first mistake.
by Call_Me_Op
Wed Jul 27, 2016 6:34 am
Forum: Investing - Theory, News & General
Topic: Anti-Boglehead Claims There is a Better Way to Invest
Replies: 82
Views: 9768

Re: Anti-Boglehead Claims There is a Better Way to Invest

Personally, I've always felt the "small cap value tilt" was a product of backwards data mining. If there was any past overperformance, that advantage was likely arbitraged away when everyone started talking about it. By that thinking, the advantage of stocks over bonds should be "arb...
by Call_Me_Op
Wed Jul 27, 2016 6:30 am
Forum: Personal Finance (Not Investing)
Topic: All eggs in one online basket - worried?
Replies: 18
Views: 2345

Re: All eggs in one online basket - worried?

There are many past threads on this subject as well as a Wiki article - although usually the question is whether all assets should be kept at Vanguard. My personal position is that, although less convenient, I like to spread my assets among several institutions. The reason is that neither I or anyon...
by Call_Me_Op
Wed Jul 27, 2016 6:23 am
Forum: Investing - Theory, News & General
Topic: Observation :Will the market go a lot higher ? Most probably
Replies: 13
Views: 2582

Re: Observation :Will the market go a lot higher ? Most probably

My conclusion is that the U.S. market will most probably continue to rise as investors and financial institutions chase these yields and maybe capital gains by trading to earn more income. That may or may not be true. But why does it matter? This would only be a short-term effect, since over the lo...
by Call_Me_Op
Tue Jul 26, 2016 6:20 am
Forum: Investing - Theory, News & General
Topic: Reliving the Nightmare of the Crisis
Replies: 119
Views: 8729

Re: Reliving the Nightmare of the Crisis

Most Bogleheads don't appreciate how close they were to losing 90% of equities for a long time period. Indeed. I chuckle when people post things like "what crash, it was just a temporary blip." There is no risk in the past. The risk of equities is that there is no certainty it will "...

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