Search found 498 matches

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: 573

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: 16807

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: 16807

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: 2145

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: 62
Views: 3642

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: 16807

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: 4197

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: 1655

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: 2703

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: 1689

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: 1825

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: 1825

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: 2894

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: 1205

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: 2894

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: 2291

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: 4631

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: 4631

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: 3013

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: 8272

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: 8272

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: 8272

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: 8272

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: 1096

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: 5018

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: 5848

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: 5848

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: 5848

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: 5243

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: 5243

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: 2389

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: 7755

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: 9185

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: 9185

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: 3976

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: 6884

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: 1655

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...
by EyeYield
Tue Jan 10, 2017 7:13 pm
Forum: Personal Consumer Issues
Topic: New to medicare, I thought they billed quarterly?
Replies: 12
Views: 1655

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

First bill is to get you on a cycle. You will get quarterly bills after that. This way all beneficiaries are on same cycle. Thanks, I get it now. If I was already in the cycle, my Jan bill would be for Feb, March and April, but because I'm starting in January that month is included in the first bil...
by EyeYield
Tue Jan 10, 2017 5:07 pm
Forum: Personal Consumer Issues
Topic: New to medicare, I thought they billed quarterly?
Replies: 12
Views: 1655

New to medicare, I thought they billed quarterly?

Last November I applied for medicare, without taking SS, and the voice on the other end of 800-medicare told me I'll receive a quarterly billing statement. Today I received a statement, covering 1/1/17 to 4/30/17, for $536 - 4 times the monthly premium of $134. Maybe I missed it, but I checked the m...
by EyeYield
Sun Jan 01, 2017 3:16 pm
Forum: Investing - Theory, News & General
Topic: Picking Individual Stocks Is Dangerous
Replies: 58
Views: 5565

Re: "Stockpickers, nursing losses despite market's bull run"

Bogleheads: According to Jeffreys investment bank, "Just 33 percent of active stock managers beat their benchmark this year" . Stockpickers, nursing losses despite market's bull run Thank you, Mr. Bogle. Happy New Year! Taylor 33%? To me that seems high and frankly sounds made up. Does Je...
by EyeYield
Sun Jan 01, 2017 12:42 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST
Replies: 675
Views: 18949

Re: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST

2326.55 - Same as the last two years.
Maybe I'll be able to say I was right, just early. :mrgreen:
by EyeYield
Sun Jan 01, 2017 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Unusual Request [Position as Evidence-Based Investing Advisor]
Replies: 30
Views: 1422

Re: Unusual Request [Position as Evidence-Based Investing Advisor]

Im beginning to see that this is probably the right conclusion. Just challenging to accept. If you you need any further reinforcement, learn from the experience of others who have gone before you, who sought to do what you're thinking of doing, and check out: "My “Aha!” Moment in Investing&quo...
by EyeYield
Thu Dec 15, 2016 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: Help placing limit order for BND
Replies: 52
Views: 3564

Re: Help placing limit order for BND

Assuming you've successfully caught the bottom with most of your orders, what do you do with the funds for the 2 orders that missed the boat? How much actual dollars is each $0.10 move? If it's 100 shares, that's only $10. The risk/benefit and complications make me avoid these micromanaging moves. ...
by EyeYield
Thu Dec 15, 2016 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: Help placing limit order for BND
Replies: 52
Views: 3564

Re: Help placing limit order for BND

For some reason (somebody knows, I don't) AGG has seen some wild after hour movements lately, but I don't see such AH moves in ETF's like BND. :?: Not canceling any orders. Enjoy the ride folks. :happy There was some selling into the close that affected AGG and BND alike. Don't know about BND after...
by EyeYield
Tue Dec 13, 2016 11:04 pm
Forum: Investing - Help with Personal Investments
Topic: Help placing limit order for BND
Replies: 52
Views: 3564

Re: Help placing limit order for BND

Lots of like minded, bond buying, market timing souls. As I mentioned in my Wash Rule thread, https://www.bogleheads.org/forum/viewtopic.php?f=10&t=205238&p=3147824#p3146564 I had placed orders for AGG starting at $107.70 - filled, down to $107.00 in ten cent increments. In after hours tradi...
by EyeYield
Mon Dec 12, 2016 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance without knowing income
Replies: 31
Views: 2507

Re: Health Insurance without knowing income

Just got off the phone with my broker. She ran into some trouble. :) She used $40k for my income as we decided and it gave me a policy but it put my wife and child on medi-cal. We couldn't figure out why this happened based on the published income table. She thinks it might have to do with my wife ...
by EyeYield
Mon Dec 12, 2016 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance without knowing income
Replies: 31
Views: 2507

Re: Health Insurance without knowing income

Maybe you misunderstood what I was trying to say. Let me put it another way. Agents representing Covered California must be trained and certified in order to sell Covered California Health Insurance Plans in the individual and small business markets. Your agent will have to go through CoveredCa, ju...
by EyeYield
Mon Dec 12, 2016 7:12 pm
Forum: Investing - Theory, News & General
Topic: Wash Rule and Buying/Selling Bond Funds
Replies: 7
Views: 798

Re: Wash Rule and Buying/Selling Bond Funds

I would feel safe buying one auto company and selling another, or chip maker, utility, REIT, etc, but when it comes to one S&P 500 index fund for another, I would feel reasonably sure it would get reported as violating the wash rule and any losses I tried to deduct from my taxes would be disall...
by EyeYield
Mon Dec 12, 2016 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance without knowing income
Replies: 31
Views: 2507

Re: Health Insurance without knowing income

EyeYield you're saying brokers can't sell an on-exchange ACA plan but donall you're saying they can. Can anyone confirm this one way or the other? Maybe you misunderstood what I was trying to say. Let me put it another way. Agents representing Covered California must be trained and certified in ord...
by EyeYield
Mon Dec 12, 2016 1:48 pm
Forum: Investing - Theory, News & General
Topic: Wash Rule and Buying/Selling Bond Funds
Replies: 7
Views: 798

Re: Wash Rule and Buying/Selling Bond Funds

I have even seen opinions that even index funds following the same index are not substantially identical because they have different boards of directors. Are Ford and GM substantially identical because they both make cars and trucks. I would feel safe buying one auto company and selling another, or...

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