Search found 511 matches

by EyeYield
Thu May 18, 2017 4:54 pm
Forum: Investing - Theory, News & General
Topic: For those with $500k-$1m in investments...
Replies: 138
Views: 12155

Re: For those with $500k-$1m in investments...

90% taxable. When I opened my IRA the limit was $1500, then increased to $2000 while I still contributed. I think I contributed $3000 once, when that was the limit. These were among my best earning years, so I always contributed more to taxable. Also, I started investing 10 years before there was su...
by EyeYield
Thu May 18, 2017 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: Just opened CD ladders at Fidelity and Vanguard
Replies: 12
Views: 1577

Re: Just opened CD ladders at Fidelity and Vanguard

I did the same yesterday. I found the one year CD ladder starting at 1% for three months going to 1.35% for twelve months to be compelling enough to stop procrastinating and rescue some of my cash from earning zero. Usually the rates, while staying in Fidelity, are not very competitive, but these ra...
by EyeYield
Sun May 14, 2017 3:30 pm
Forum: Investing - Theory, News & General
Topic: Anyone catching the CNBC movie Madoff: from Millions to Billions???
Replies: 15
Views: 3409

Re: Anyone catching the CNBC movie Madoff: from Millions to Billions???

If I were to spend time on that subject tonight, I'd rather see Robert De Niro and Michelle Pfeiffer in "Wizard of Lies" on HBO.

Edit: I misread the schedule, The Wizard of Lies airs next Saturday.
by EyeYield
Wed May 10, 2017 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: Help appreciated, if you can be patient with a newbie
Replies: 12
Views: 1134

Re: Help appreciated, if you can be patient with a newbie

MCGWX holds US stocks, international stocks, and bonds. It has Class C shares with a 1% back-end load, meaning a 1% commission will be paid to your advisor if you sell before a certain time, often one year. Its expense ratio is 1.80% which is extremely high. Wrapped in that 1.80% expense ratio is a...
by EyeYield
Sun May 07, 2017 11:08 am
Forum: Investing - Help with Personal Investments
Topic: What if the market drops right after I invest? Now the market is at all-time high..
Replies: 27
Views: 2269

Re: What if the market drops right after I invest? Now the market is at all-time high..

I've heard so many times this sentence in the office, that I need to talk about it. I'd like to dissect this sentence in two parts and I'm looking for data to prove each point: 1) Now the market is at all time high: Is there any chart that outlines the number of market "highs" in the last...
by EyeYield
Fri May 05, 2017 9:21 pm
Forum: Investing - Theory, News & General
Topic: Buffett/IBM
Replies: 73
Views: 5850

Re: Buffett/IBM

10% of my portfolio is in IBM at a very low cost basis from a small stock gift when I was very young. Curious what Bogleheads would do given 20 quarters of revenue decline and Buffett's sell announcement. Also, Cramer likes it so that's a red flag. Big tax hit to sell it. Thoughts? I was/am in a si...
by EyeYield
Fri Apr 21, 2017 10:49 am
Forum: Investing - Theory, News & General
Topic: Single most important investing advice?
Replies: 96
Views: 10906

Re: Single most important investing advice?

Educate yourself to the point of financial literacy so you can take your own advice.
by EyeYield
Wed Apr 19, 2017 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: Financial Advisor's Calculations Accurate re: VFINX v their Fund?
Replies: 13
Views: 1137

Re: Financial Advisor's Calculations Accurate re: VFINX v their Fund?

The paper also showed an alternate scenario, but this time the money was invested in whatever investment their company uses. Were there any specifics given as to what that investment was? If there was only a comparison of a real fund to a fictional fund, I guess this FA could make any claims he wan...
by EyeYield
Tue Apr 18, 2017 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Did anything surprise you in your 2016 taxes?
Replies: 83
Views: 7053

Re: Did anything surprise you in your 2016 taxes?

Not really a surprise, because I knew it was coming, but thanks to the Coca-Cola Enterprises merger to form Coca-Cola European and the Baxalta/Shire merger, I had double my estimated income causing me to pay back my ACA subsidy. Total state and federal owed, about $6000. Ouch! I can rationalize that...
by EyeYield
Tue Apr 18, 2017 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: why bond funds are sharply up today?
Replies: 13
Views: 2213

Re: why bond funds are sharply up today?

http://news.morningstar.com/articlenet/article.aspx?id=802969 answers the question. "By the time the Federal Reserve hiked rates in March, the markets had widely priced in the move..." But as for today , I thought is was in reaction to the "Why would anyone want to buy bond funds?&qu...
by EyeYield
Mon Apr 17, 2017 10:47 am
Forum: Investing - Help with Personal Investments
Topic: Why would anyone want to buy bond funds?
Replies: 92
Views: 9375

Re: Why would anyone want to buy bond funds?

Imagine being 70 1/2 in 2007 and being 100% stocks when forced to take your RMDs. http://quotes.morningstar.com/chart/fund/chart?t=VTSMX&region=usa&culture=en_US&dataParams=%7B%22zoomKey%22%3A9%2C%22version%22%3A%22US%22%2C%22showNav%22%3Atrue%2C%22defaultShowName%22%3A%22name%22%2C%22ma...
by EyeYield
Wed Apr 12, 2017 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Im new, Im reading "the Book". Question for my kids....
Replies: 27
Views: 2214

Re: Im new, Im reading "the Book". Question for my kids....

Why not start 529s for your kids. Fidelity will start an account for $20 a month automatic deposit. If you don't plan on them attending college, you could use a Robo advisor, like Betterment, that has no minimum to open an account and set it up for an automatic monthly deposit to the tune of $20. Un...
by EyeYield
Tue Mar 28, 2017 9:49 am
Forum: Investing - Theory, News & General
Topic: Baby Boomer Retirement Stats
Replies: 6
Views: 1783

Re: Baby Boomer Retirement Stats

My takeaway from the "article" and articles like it, is that baby boomers are targets for information and should never enter any information after reading them. So, DO NOT - Simply click here to discover how to learn more about these strategies . Instead, click here: https://www.bogleheads...
by EyeYield
Wed Mar 22, 2017 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Do I owe my Financial Advisor a Fee for part of this year?
Replies: 6
Views: 642

Re: Do I owe my Financial Advisor a Fee for part of this year?

You don't say why you're paying your advisor $900 per year, but you do state that he is a fiduciary that claims actively managed accounts would pay for themselves over the long term. Based on that information, I would ask for proof of his claims and lacking that, I would ask for a return of the fees...
by EyeYield
Mon Mar 20, 2017 8:22 pm
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 129
Views: 17924

Re: Sitting on cash....Waiting for a crash

Another quote from "Deep Risk": " Most importantly, shallow risk mandates deep liquidity. If you do not have a large amount highly liquid and safe reserves—for the average individual, Treasuries and CDs—you will not have the wherewithal to weather the employment setbacks that come wi...
by EyeYield
Mon Mar 20, 2017 9:19 am
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 129
Views: 17924

Re: Sitting on cash....Waiting for a crash

Another quote from "Deep Risk": " Most importantly, shallow risk mandates deep liquidity. If you do not have a large amount highly liquid and safe reserves—for the average individual, Treasuries and CDs—you will not have the wherewithal to weather the employment setbacks that come wit...
by EyeYield
Sun Mar 19, 2017 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm
Replies: 34
Views: 2602

Re: State Farm

. . . If you don't like your SF agent, you can always switch to another. I did that a few years ago, and the new agent is much better than the previous one. This is a change from my experience. They used to have territories, and agents refused to take on customers from another agent's territory. I ...
by EyeYield
Wed Mar 15, 2017 5:00 pm
Forum: Personal Consumer Issues
Topic: What to do with $100???
Replies: 78
Views: 5573

Re: What to do with $100???

So many great suggestions, which in and of itself is worth more than $100, imo. If you haven't already, how about paying for them? The John C. Bogle Center for Financial Literacy 6977 Navajo Rd., Suite 147, San Diego CA 92119 An IRS-approved non-profit Public Charity Or here: https://www.bogleheads....
by EyeYield
Thu Mar 09, 2017 12:53 pm
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 129
Views: 17924

Re: Sitting on cash....Waiting for a crash

Is there any Bogleheads out there that has decided to hold onto cash right now since valuations are so high and interest rates are so low? I know that the 'Bogle' answer is to stay the course and just keep eating my allocation plan for breakfast. But it just feels so foolish right now to put money ...
by EyeYield
Wed Mar 08, 2017 2:03 pm
Forum: Investing - Theory, News & General
Topic: Buffett’s bets: how dumb are hedge fund managers?
Replies: 50
Views: 4573

Re: Buffett’s bets: how dumb are hedge fund managers?

Funds of funds with the ability to sort the wheat from the chaff.

Should read "Funds of funds with the ability to sort the fees from the investor."

A better thread title might be, "How rich are hedge fund managers?"
by EyeYield
Tue Mar 07, 2017 1:49 pm
Forum: Personal Consumer Issues
Topic: New to medicare, I thought they billed quarterly?
Replies: 12
Views: 1737

Re: New to medicare, I thought they billed quarterly?

My body needs a lot of new parts and I hope to get most of them before 2020, then maybe get on an advantage plan. Sort of like market timing for healthcare. Who knows, I'm still undecided. Thanks, As a former provider, I would avoid advantage plans like the plague. They are only good as long as you...
by EyeYield
Thu Mar 02, 2017 9:45 pm
Forum: Investing - Theory, News & General
Topic: I am calling a market bubble right now.
Replies: 27
Views: 2882

Re: I am calling a market bubble right now.

As always, it could be black or it could be red. Guessing is more fun if you've got some skin in the game. Why not place a small bet with yourself and place a small order for an inverse equity ETF like SPXU? You could clean up! Place it now for tomorrow's open and keep us posted. Have fun. https://m...
by EyeYield
Wed Mar 01, 2017 2:34 am
Forum: Personal Finance (Not Investing)
Topic: Medigap F vs F High Deductible decision
Replies: 34
Views: 1966

Re: Medigap F vs F High Deductible decision

I'm in the same boat as you, OP. I'm sure you have done your due diligence, but just in case, does your state have something like this for CA? https://interactive.web.insurance.ca.gov/apex_extprd/f?p=111:31:::NO:SESSION:: (This is for 2016 rates.) Because of the spread of premium prices, I found a P...
by EyeYield
Mon Feb 27, 2017 11:05 pm
Forum: Investing - Theory, News & General
Topic: I think Buffet sees oil price go lower
Replies: 25
Views: 1966

Re: I think Buffet sees oil price go lower

Buffet's thoughts on oil were demonstrated in the 4th quarter of 2014 when he sold all his Exxon/Mobile stock. http://oilprice.com/Energy/Oil-Prices/This-Is-Why-Warren-Buffet-Dumped-His-Exxon-Holding.html At some point in time, after the fact, we may learn that he bought it back. He's not buying ba...
by EyeYield
Mon Feb 27, 2017 10:40 pm
Forum: Investing - Theory, News & General
Topic: I think Buffet sees oil price go lower
Replies: 25
Views: 1966

Re: I think Buffet sees oil price go lower

Buffet's thoughts on oil were demonstrated in the 4th quarter of 2014 when he sold all his Exxon/Mobile stock.
http://oilprice.com/Energy/Oil-Prices/T ... lding.html
At some point in time, after the fact, we may learn that he bought it back.
by EyeYield
Sun Feb 19, 2017 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: Gold vs 401k
Replies: 45
Views: 3137

Re: Gold vs 401k

There have been some problems with this graph brought up in the past, mostly about the lack of accurate records kept in the early 1800's, but it is somewhat useful to make a point nevertheless. http://www.marottaonmoney.com/wp-content/uploads/2014/09/9298-figure-1.jpg Gold will probably get a bump ...
by EyeYield
Sun Feb 19, 2017 11:06 am
Forum: Investing - Theory, News & General
Topic: US debt approaching $20 Trillion
Replies: 18
Views: 1312

Re: US debt approaching $20 Trillion

Speaking of taxes, it's not fair to tax the mods so early on Sunday.

This post has been brought to you by:
Thread Has Run It's Course Productions.
by EyeYield
Thu Feb 16, 2017 9:28 pm
Forum: Investing - Help with Personal Investments
Topic: Gold vs 401k
Replies: 45
Views: 3137

Re: Gold vs 401k

There have been some problems with this graph brought up in the past, mostly about the lack of accurate records kept in the early 1800's, but it is somewhat useful to make a point nevertheless. http://www.marottaonmoney.com/wp-content/uploads/2014/09/9298-figure-1.jpg Gold will probably get a bump a...
by EyeYield
Tue Feb 14, 2017 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: Currently an Edward Jones client and need some advice
Replies: 32
Views: 2577

Re: Currently an Edward Jones client and need some advice

The advisor said the Edward Jones is not legally obligated to act as a feduciary. Once he brought that up I asked him about the revenue sharing agreements with some of the funds they put me in. I'm surprised that he told you Edward Jones is not legally obligated to act as a fiduciary. Was there a l...
by EyeYield
Sun Feb 05, 2017 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Keep a Local Bank?
Replies: 76
Views: 5097

Re: Keep a Local Bank?

I need a local bank for a safety deposit box and cashing paper EE bonds, so I use them for checking also. Plus, there are very friendly people there who try to sell me mutual funds with front end loads, high ER's and 12b-1 fees and I just can't find that level of entertainment at an online bank. :c...
by EyeYield
Sun Feb 05, 2017 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Keep a Local Bank?
Replies: 76
Views: 5097

Re: Keep a Local Bank?

I need a local bank for a safety deposit box and cashing paper EE bonds, so I use them for checking also.

Plus, there are very friendly people there who try to sell me mutual funds with front end loads, high ER's and 12b-1 fees and I just can't find that level of entertainment at an online bank.
by EyeYield
Fri Feb 03, 2017 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: Am I being given needlessly complicated advice?
Replies: 31
Views: 3248

Re: Am I being given needlessly complicated advice?

Departing broker sold assets a few weeks ago as per their practice. OP, could you explain this? Were the assets at your departing broker so proprietary that they couldn't be transferred in kind to Fidelity? Were there commissions charged for such a sale? I bet yes and probably much higher than Fide...
by EyeYield
Fri Feb 03, 2017 1:48 am
Forum: Investing - Help with Personal Investments
Topic: How do you guys ignore this stuff?
Replies: 80
Views: 8681

Re: How do you guys ignore this stuff?

Gloom and doom headlines are a weekly or daily occurence. Fiscal cliff, sequestration, y2k, greece, spain, portugal, iceland?, brexit, trump, housing crash... I'd completely forgotten the Fiscal Cliff! Imagine a deep booming voice and a deep bass fiddle playing... DUM... DUM... daDUM... thuuhhh FIS...
by EyeYield
Fri Feb 03, 2017 1:27 am
Forum: Investing - Help with Personal Investments
Topic: How do you guys ignore this stuff?
Replies: 80
Views: 8681

Re: How do you guys ignore this stuff?

Thing is, it's harder for some to recognize and ignore noise than for others, a matter of individual differences. Some can spot noise in a single word and move on, while some can't see it or stop reading it until tempted to act on it or do act on it. There probably will always be plenty of both typ...
by EyeYield
Thu Feb 02, 2017 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: How do you guys ignore this stuff?
Replies: 80
Views: 8681

Re: How do you guys ignore this stuff?

Let me embellish my earlier post. Sometimes you can't ignore the noise. The noise is so loud and makes so much sense, that you just know it's dead on accurate. But you still don't know how to change your investment strategy. That was me in 1979. Still in my twenties, still following my mother's advi...
by EyeYield
Thu Feb 02, 2017 1:36 am
Forum: Investing - Help with Personal Investments
Topic: How do you guys ignore this stuff?
Replies: 80
Views: 8681

Re: How do you guys ignore this stuff?

Business Week - August 12th 1979 "The Death of Equities" How Inflation is Destrying the Stock Market.
It was all over!
Finished!
Until it wasn't.
How do we ignore it?
Discipline.
Oh, and Jack Bogle who has seen a thing or three.
by EyeYield
Wed Feb 01, 2017 1:48 pm
Forum: Investing - Theory, News & General
Topic: BloomBar U.S. Aggregate Bond Index changing rules
Replies: 10
Views: 1191

Re: BloomBar U.S. Aggregate Bond Index changing rules

Thanks for beating me to it, I was just about to post this. With this addition. My reaction is, "so what, this is nothing the average retail investor should take any action on", but maybe someone could explain it it to me like they're talking to a five year old. " The bonds set to be ...
by EyeYield
Sun Jan 29, 2017 2:13 pm
Forum: Investing - Theory, News & General
Topic: Try and hit it big with 25% of your portfolio?
Replies: 51
Views: 5212

Re: Try and hit it big with 25% of your portfolio?

I'd like some advice on how to respond to a friend of mine who is young, roughly late 20's. My friend's opinion is if he tries to pick a few companies with a slice of his portfolio, trying to hit it big, 1 of 3 things may happen: 1. He hits it big. 2. Not much happens. 3. He loses everything. But h...
by EyeYield
Sat Jan 28, 2017 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Criteria for admittance to the 2-comma club
Replies: 79
Views: 6637

Re: Criteria for admittance to the 2-comma club

It would be embarrassing to be at a two comma party while the market crashed and be forced to leave, comma in hand. LOL! I love the image that conveys: "Get outta here, you sub-millionaire. And take your damn comma with you! Don't come back until you have enough headroom to sustain a 20% marke...
by EyeYield
Sat Jan 28, 2017 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Criteria for admittance to the 2-comma club
Replies: 79
Views: 6637

Re: Criteria for admittance to the 2-comma club

Would that make you a comma comma chameleon?


At a party you can drink yourself into a coma.

:mrgreen:
by EyeYield
Sat Jan 28, 2017 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Criteria for admittance to the 2-comma club
Replies: 79
Views: 6637

Re: Criteria for admittance to the 2-comma club

If you have a spouse divide your assets by 2. If you have N spouses divide your assets by (N + 1). Victoria I divide by 2 anyway, even as an individual, since whatever positions my comma's are taking, they're only reflective of the current market value and don't consider the possible halving of my ...
by EyeYield
Fri Jan 27, 2017 11:13 am
Forum: Investing - Theory, News & General
Topic: Bobbie Christensen "She explains how to find safe and secure investments with 100%+ growth per year."
Replies: 55
Views: 5381

Re: "She explains how to find safe and secure investments with 100%+ growth per year."

A web search easily finds at least one community college with the OP's text in a course description. However, the OP misquoted the text. The description does not promise "100%+ growth". Instead it promises "100%+ growht" whatever that is. Perhaps the instructor is from Nigeria? ...
by EyeYield
Fri Jan 27, 2017 1:34 am
Forum: Investing - Theory, News & General
Topic: Bobbie Christensen "She explains how to find safe and secure investments with 100%+ growth per year."
Replies: 55
Views: 5381

Bobbie Christensen "She explains how to find safe and secure investments with 100%+ growth per year."

The topic title is part of a course description for a class offered at a local community college's "Community Services Education" program. It's a three hour $49 seminar. Full course description: "Building Your Financial Portfolio on $50 a Month (or Less) This information packed semina...
by EyeYield
Thu Jan 26, 2017 9:35 pm
Forum: Investing - Theory, News & General
Topic: Fidelity for Bogleheads?
Replies: 21
Views: 2511

Re: Fidelity for Bogleheads?

welcome to the forum. In order to get the best most tailored answer to your questions, you should go to the following page and come back and re-post ("asking portfolio questions"): https://www.bogleheads.org/forum/viewtopic.php?t=6212 See there's a bit too much unknown based on the limite...
by EyeYield
Wed Jan 25, 2017 1:47 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 8911

Re: HAPPY 93RD BIRTHDAY, TAYLOR!

Happy Birthday Taylor!

The wealth of knowledge and experience that you have accumulated, along with your ability to referrance it, makes google envious.
Many thanks for your gifts to the world!
by EyeYield
Wed Jan 18, 2017 8:21 pm
Forum: Investing - Theory, News & General
Topic: Fed Rate [may go] to 3% - [investing consequences?]
Replies: 85
Views: 9678

Re: Fed Rate to 3%

From everything I've read, it has been proven time and again that no one can predict the future and I would assume that would also apply to Janet Yellen. She doesn't need to predict the future - she can move the whole market just by giving a speech. Kinda like a longer and more nuanced version of h...
by EyeYield
Wed Jan 18, 2017 5:55 pm
Forum: Investing - Theory, News & General
Topic: Fed Rate [may go] to 3% - [investing consequences?]
Replies: 85
Views: 9678

Re: Fed Rate to 3%

From everything I've read, it has been proven time and again that no one can predict the future and I would assume that would also apply to Janet Yellen. I wonder if Mr. Bogle would approve of me changing my signature to read, "The Fed is a giant distraction from the business of investing"...
by EyeYield
Tue Jan 17, 2017 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: So, I'm going to gamble (for fun) and buy some individual stocks. Best way?
Replies: 65
Views: 4296

Re: So, I'm going to gamble (for fun) and buy some individual stocks. Best way?

OP: Welcome to the forum. Your first post seems to be a tad bit in jest, so here's some more. First, you certainly don't want to be redundant, do you? If you want to have some fun, buy what you don't already own and pick some stocks that aren't already in your three funds. This will take some time a...
by EyeYield
Wed Jan 11, 2017 2:58 am
Forum: Investing - Help with Personal Investments
Topic: How to politely fire my financial advisor
Replies: 66
Views: 7216

Re: How to politely fire my financial advisor

My full service broker was my friend too. I felt I owed him a face to face break up. I went in and told him I was moving my account with him to my existing account with Fidelity. I told him that I want to manage my own account. We had a long conversation and at one point I started rattling off the a...
by EyeYield
Tue Jan 10, 2017 10:34 pm
Forum: Personal Consumer Issues
Topic: New to medicare, I thought they billed quarterly?
Replies: 12
Views: 1737

Re: New to medicare, I thought they billed quarterly?

Eye yield - I see that you are considering signing up for plan f. After seeing a presentation from a broker that sells medigap plans, I decided to go with plan g. Plan F is going to stop accepting new members in a few years, probabably resulting in a smaller, older patient base which will almost ce...

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