Search found 561 matches

by EyeYield
Mon Dec 04, 2017 10:41 pm
Forum: Investing - Theory, News & General
Topic: One answer to the Dividend stocks puzzle from behavioral finance
Replies: 166
Views: 8901

Re: One answer to the Dividend stocks puzzle from behavioral finance

To echo and perhaps even amplify triceratop's voice: We are not against dividends. We are only against misconceptions about dividends. PJW I think it is you who misunderstand dividends. A finance professor performing an academic valuation would say that keeping the cash in the company increases the...
by EyeYield
Sun Dec 03, 2017 11:58 am
Forum: Personal Consumer Issues
Topic: How to convince DW that high miles used car is OK
Replies: 106
Views: 6552

Re: How to convince DW that high miles used car is OK

Just know that the price you pay for a car with that kind of mileage is just the down payment with a payment plan soon to follow.
by EyeYield
Thu Nov 30, 2017 2:43 am
Forum: Investing - Theory, News & General
Topic: Which crash have you seen it before it is coming?
Replies: 134
Views: 9438

Re: Which crash have you seen it before it is coming?

I see the great crash of 2028, where the Dow loses 5000 points during that year and falls to a five year low of 36000.
You've been warned!
by EyeYield
Sat Nov 18, 2017 10:29 am
Forum: Investing - Theory, News & General
Topic: Where did you first learn about investing?
Replies: 98
Views: 5074

Re: Where did you first learn about investing?

It was from my mother, she forced me to save and invest starting at the age of 12. I grew up poor, but my mother grew up poorer. She swore she would never again have to stretch the life of a pair of shoes by putting cardboard inside to cover up the holes in the soles and she would be damned if her k...
by EyeYield
Thu Nov 16, 2017 10:04 am
Forum: Investing - Theory, News & General
Topic: The passive investing trap
Replies: 23
Views: 4627

Re: The passive investing trap

So a financial advisor I no longer do business with sent me this article about The Passive Investing Trap. That was nice of them to keep in contact with an ex client. Did he/she mention why? Were they trying to educate you as to what a mistake you made by leaving them and going passive? Well don't ...
by EyeYield
Wed Nov 15, 2017 2:48 am
Forum: Investing - Theory, News & General
Topic: Jim Cramer doesn’t beat the market
Replies: 96
Views: 13687

Re: Jim Cramer doesn’t beat the market

When the tide turns from passive investing, I would not be surprised to see Ramen beat the market by a large amount. Right now it is hard for anyone actively picking stocks. Ramen, a Chinese-style wheat noodle, has just as good a chance of beating the market as tea leaves, fortune cookies, tarot ca...
by EyeYield
Tue Nov 07, 2017 10:30 am
Forum: Investing - Theory, News & General
Topic: "$1 Million is Closer Than You Think"
Replies: 54
Views: 9510

Re: "$1 Million is Closer Than You Think"

I was really interested in reading the link that was provided, but I totally misinterpreted the meaning of the title of this thread.

I thought it would link me to an article that explained that $1 Million is Closer Than You think --- to Being Enough.

That would be interesting.
by EyeYield
Thu Nov 02, 2017 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Help Me Break My Love Affair With Fidelity Low Priced Stock
Replies: 76
Views: 6132

Re: Help Me Break My Love Affair With Fidelity Low Priced Stock

OP - I bought the same fund around the same time as you, probably heard about it in Money too, for my tIRA. Since I'm just 5 years away from RMD's, I will start a Roth conversion this year and a piece of Low Priced Stock will be the first to be converted, since it's one of the larger pieces of my tI...
by EyeYield
Wed Nov 01, 2017 9:19 pm
Forum: Personal Consumer Issues
Topic: Gyms with well maintained swimming pool, that aren't Equinox?
Replies: 14
Views: 1144

Re: Gyms with well maintained swimming pool, that aren't Equinox?

How close are you to Rose Bowl? https://www.rosebowlaquatics.org/programs/lap-swim/#program-classes Fairly reasonable https://www.rosebowlaquatics.org/programs/lap-swim/#program-classes ^^^^THIS! One of the best all day lap swim facilities in the country and about 8 minutes from Glendale. Two outdo...
by EyeYield
Wed Nov 01, 2017 8:43 pm
Forum: Personal Consumer Issues
Topic: Volvo "Overseas Delivery"
Replies: 14
Views: 1916

Re: Volvo "Overseas Delivery"

sunny_socal, did you go through with it? Not yet, but still hoping/planning. The only reason this remains attractive is that we're doing a big 2-3W Euro vacation next year anyway and having our own car would add to the experience. It's rather un-Boglehead:ish It's rather un-me too. I waited 21 year...
by EyeYield
Wed Nov 01, 2017 9:25 am
Forum: Personal Consumer Issues
Topic: Volvo "Overseas Delivery"
Replies: 14
Views: 1916

Re: Volvo "Overseas Delivery"

When am I going to learn not to compose a question before for I search for the topic - everything under the sun has already been discussed. Volvo is beginning production on it's XC 40, supposedly this month, and the 2019 should be available spring 2018. This model appeals to me and driving through N...
by EyeYield
Wed Oct 25, 2017 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: Commission only fiduciary planner
Replies: 129
Views: 5190

Re: Commission only fiduciary planner

Let's give the OP a chance to catch his breath without undo cynicism, he's new and has been through a lot. I think the important take away from the OP is this: Afterwards my wife and I went out to dinner and discussed our options and have decided that this is indeed aomething we can manage on our ow...
by EyeYield
Tue Oct 24, 2017 9:57 pm
Forum: Investing - Help with Personal Investments
Topic: Commission only fiduciary planner
Replies: 129
Views: 5190

Re: Commission only fiduciary planner

Ok so the meeting went well. The advisors were, as expected very friendly, personable, charming and charismatic. They gave us ice water and fresh baked chocolate chip cookies when we got there (which was great as I had forgotten to eat a snack and I could feel my blood sugar dropping). We discussed...
by EyeYield
Sun Oct 22, 2017 1:39 pm
Forum: Personal Consumer Issues
Topic: Drum sets?
Replies: 10
Views: 667

Re: Drum sets?

If she is already taking lessons, I would ask her teacher first. The teacher should have a knowledge of what's needed and whats available locally. The teacher may even have another student who is upgrading and wants to sell their set. Without knowing your budget, but knowing it will be her first aco...
by EyeYield
Sat Oct 21, 2017 10:36 pm
Forum: Investing - Help with Personal Investments
Topic: Commission only fiduciary planner
Replies: 129
Views: 5190

Re: Commission only fiduciary planner

This was a surprise as three seperate people have told me that they never pay anything...at all. One of those people just signed up this week. The disclosure is from February 2017. Is it possible they are just sneaking those fees in from the top and no one is noticing? I dont understand it, as all ...
by EyeYield
Sat Oct 21, 2017 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Commission only fiduciary planner
Replies: 129
Views: 5190

Re: Commission only fiduciary planner

H However they do their pre client program in 3 different meetings... I would be very interested in how these meetings are structured, but three "pre client program meetings" would raise a red flag to me. If you must go to the first one, get as much detailed information on what the next two will foc...
by EyeYield
Sat Oct 21, 2017 10:12 am
Forum: Investing - Help with Personal Investments
Topic: Commission only fiduciary planner
Replies: 129
Views: 5190

Re: Commission only fiduciary planner

Run! Don't even have the initial "consultation" - you'll be fed a word salad that will be delivered through a smiling self assured mouth piece that will mask the shark inside. Commissions mean front end loaded funds that will have high expenses ratios and 12b-1 fees. 12% current? What does that mean...
by EyeYield
Wed Sep 27, 2017 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones (again)
Replies: 28
Views: 2424

Re: Edward Jones (again)

Thanks again guys; all the comments: livesoft; Lou354;goingup; bolderboy; monkey-business; Taylor-Larimore; sixty forty; retiredjg; 1210sda; pkcrafrter; Fallible; and pqwerty. I will take some time and look at all these ideas and suggestions; I appreciate them all. The 3-fund suggestion merits some...
by EyeYield
Tue Sep 19, 2017 9:05 am
Forum: Investing - Theory, News & General
Topic: Bond Fund Philosophy
Replies: 18
Views: 2880

Re: Bond Fund Philosophy

Kitty: Prior to Irma's arrival, Taffy and I moved from our Miami water-front condo to a safe inland Comfort Suites motel where I am typing this. We are returning to our home in a few hours. I understand that we will have electricity but no Comcast cable. This means I'll not be able to read or post ...
by EyeYield
Mon Sep 11, 2017 11:50 am
Forum: Investing - Help with Personal Investments
Topic: Financial Independence Mindset
Replies: 83
Views: 7163

Re: Financial Independence Mindset

WanderingDoc wrote:
Sun Sep 10, 2017 11:13 pm

Judging by the dozens of PMs I receive on the topic of real estate, the interest is definitely there.
This is a very open forum and there's no need to hide or pretend, so there will be dozens of BH sharing what you shared with them. That's what this community is all about.
by EyeYield
Wed Sep 06, 2017 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Wife believes 7+% returns from stock market are guaranteed
Replies: 64
Views: 6066

Re: Wife believes 7+% returns from stock market are guaranteed

As long as your wife has the guarantee in writing, backed by a reputable deity, I see no reason to lock this thread. :twisted:
by EyeYield
Mon Aug 21, 2017 11:16 am
Forum: Investing - Theory, News & General
Topic: Mike Piper and CDs
Replies: 54
Views: 6450

Re: Wade Pfau and CDs

[edited for clarity after OP corrected thread title - moderator prudent] From today's oblivious investor: "Still, if I were to make a change, I know exactly what it would be. I would swap out my bond funds for CDs. Allan Roth has convinced me that active management is worthwhile in fixed-income — v...
by EyeYield
Thu Aug 17, 2017 10:39 pm
Forum: Investing - Help with Personal Investments
Topic: Lost $7000 today in ONE DAY!
Replies: 183
Views: 16941

Re: Lost $7000 today in ONE DAY!

Some perspective. The market has gone up about 120% over the past eight years. Today the S&P 500 was down 1.5%. Some further perspective. Almost 30 years ago I woke up to find my portfolio down 23%. That was my first exercise in portfolio discipline and since that time I've gotten a lot more exercis...
by EyeYield
Thu Aug 10, 2017 1:23 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4184
Views: 1115503

Re: U.S. stocks in freefall

The definition of "freefall" certainty has changed since this thread started.

Compare the percentage drop from the OP to what it is today.

Thinking that today's movement is an actionable event proves Mr Bogle was right in my quote below.
by EyeYield
Sat Jul 29, 2017 10:07 pm
Forum: Personal Consumer Issues
Topic: Medicare Plan F and Part D: Use a Broker or Not?
Replies: 19
Views: 1738

Re: Medicare Plan F and Part D: Use a Broker or Not?

See one of your state's SHIP counselors. They will help you navigate you Medicare Advantage/Supplement plan options free of charge with no hidden agenda. This. My SHIP counselor was very knowledgeable, being a retired doctor, and provided me with a list of the 27 insurance companies that sold Medig...
by EyeYield
Sat Jul 29, 2017 6:23 pm
Forum: Personal Consumer Issues
Topic: Medicare Plan F and Part D: Use a Broker or Not?
Replies: 19
Views: 1738

Re: Medicare Plan F and Part D: Use a Broker or Not?

See one of your state's SHIP counselors. They will help you navigate you Medicare Advantage/Supplement plan options free of charge with no hidden agenda. This. My SHIP counselor was very knowledgeable, being a retired doctor, and provided me with a list of the 27 insurance companies that sold Medig...
by EyeYield
Sat Jul 29, 2017 1:20 pm
Forum: Personal Consumer Issues
Topic: Medicare Plan F and Part D: Use a Broker or Not?
Replies: 19
Views: 1738

Re: Medicare Plan F and Part D: Use a Broker or Not?

See one of your state's SHIP counselors. They will help you navigate you Medicare Advantage/Supplement plan options free of charge with no hidden agenda. This. My SHIP counselor was very knowledgeable, being a retired doctor, and provided me with a list of the 27 insurance companies that sold Medig...
by EyeYield
Thu Jul 27, 2017 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: Why are they beating S/P? What am I missing?
Replies: 72
Views: 4807

Re: Why are they beating S/P? What am I missing?

Sometimes beating the market happens. My Fidelity Trend Fund has beat the broader market for 60 years. http://quotes.morningstar.com/chart/fund/chart?t=FTRNX®ion=usa&culture=en_US&dataParams=%7B%22zoomKey%22%3A10%2C%22version%22%3A%22US%22%2C%22showNav%22%3Atrue%2C%22defaultShowName%22%3A%22name%...
by EyeYield
Tue Jul 25, 2017 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: Money Market Account
Replies: 13
Views: 994

Re: Money Market Account

You don't say if you have an account at a brokerage firm, but if you do you may not have to open a new account anywhere else. For example, if you have a Vanguard account they have a premium money market with a 7 day yield of 1.11% with a $3000 minimum. http://financials.morningstar.com/money-market/...
by EyeYield
Sun Jul 16, 2017 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Buying beach bungalow in San Diego for Winters
Replies: 55
Views: 5237

Re: Buying beach bungalow in San Diego for Winters

While potentially not applicable to your situation, because you have family to look after your property if you faced a situation where you couldn't for a long period of time, I think this is still interesting to consider. http://enewspaper.latimes.com/infinity/article_popover_share.aspx?guid=4244187...
by EyeYield
Fri Jul 14, 2017 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Estate planning to avoid probate
Replies: 16
Views: 1828

Re: Estate planning to avoid probate

Yes, it's very state dependent, check the statute for your state. You don't want to go through probate in California. In most states, lawyers charge by the hour or collect a flat fee for probate work. Not so in California. It’s one of only a few states that let lawyers charge a “statutory fee”—an am...
by EyeYield
Fri Jul 14, 2017 12:32 pm
Forum: Investing - Theory, News & General
Topic: 90:10 AA - what don't you believe about it?
Replies: 101
Views: 8067

Re: 90:10 AA - what don't you believe about it?

...I think more like John Bogle and stay on the conservative side and be happy when I have Enough. Am I betting against Warren Buffett. NO WAY! I am just doing what I know I can handle. Do you really think more like John Bogle? Bogle says to treat pensions and SS as equivalent to fixed income inves...
by EyeYield
Wed Jul 12, 2017 12:25 pm
Forum: Personal Consumer Issues
Topic: Coyote control
Replies: 66
Views: 4843

Re: Coyote control

As I said, owners with free roaming cats must not really care about the ground nesting birds and songbirds. They like to think of their introduced species of a pet as "being free" and "doing what is natural" ... when in reality they (jointly) have created an ecological holocaust for our bird popula...
by EyeYield
Wed Jul 12, 2017 2:05 am
Forum: Personal Consumer Issues
Topic: Coyote control
Replies: 66
Views: 4843

Re: Coyote control

Is your cat free roaming? Is that legal where you live? My current cat is a feral (not a stray) that I rescued from the wilds of my immediate neighborhood. So I guess you can't be more free roaming than that. As far as legal matters are concerned, she has no rap sheet that I'm aware of. As I said, ...
by EyeYield
Tue Jul 11, 2017 8:29 pm
Forum: Personal Consumer Issues
Topic: Coyote control
Replies: 66
Views: 4843

Re: Coyote control

Is your cat free roaming? Is that legal where you live? My current cat is a feral (not a stray) that I rescued from the wilds of my immediate neighborhood. So I guess you can't be more free roaming than that. As far as legal matters are concerned, she has no rap sheet that I'm aware of. As I said, ...
by EyeYield
Tue Jul 11, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: Coyote control
Replies: 66
Views: 4843

Re: Coyote control

Is your cat free roaming? Is that legal where you live?
My current cat is a feral (not a stray) that I rescued from the wilds of my immediate neighborhood. So I guess you can't be more free roaming than that. As far as legal matters are concerned, she has no rap sheet that I'm aware of.
by EyeYield
Tue Jul 11, 2017 8:58 am
Forum: Investing - Help with Personal Investments
Topic: EE Bonds?
Replies: 44
Views: 2488

Re: EE Bonds?

Hello All - I randomly read up on I Bonds and EE Bonds this past year. I think I liked the EE Bonds more. Has ANYONE ever reaped the benefits of them? Buy 10k per year, hold for 20 years, let them double in value and get cash for that amount? Does that rule still exist? (the part where it doubles i...
by EyeYield
Mon Jul 10, 2017 8:07 pm
Forum: Personal Consumer Issues
Topic: Coyote control
Replies: 66
Views: 4843

Re: Coyote control

Anywhere within 20 minutes from downtown LA it's illegal to shoot coyotes. This is a problem for all of us who live in this area. I've chased a single coyote around the block twice before it headed up the hill after it chased my previous feline years ago. Feline escaped. I remembered this story http...
by EyeYield
Thu Jul 06, 2017 8:53 am
Forum: Investing - Theory, News & General
Topic: What is a "sleeve"?
Replies: 34
Views: 3695

Re: What is a "sleeve"?

Once upon a time it was misunderstood that you could earn more sessions by sleeving.
https://m.youtube.com/watch?v=23fisMIjELw
by EyeYield
Tue Jun 27, 2017 10:02 pm
Forum: Investing - Theory, News & General
Topic: where to go to learn about investing?
Replies: 20
Views: 1794

Re: where to go to learn about investing?

I have two books on request at the library: Bogleheads guide to investing and Guide to Retirement Planning (haven't received these yet)
Great start, once you finish those books you'll have less questions.

Also, another vote for Random Walk and Four Pillars.
by EyeYield
Tue Jun 27, 2017 9:45 pm
Forum: Personal Consumer Issues
Topic: swimming goggles
Replies: 29
Views: 2416

Re: swimming goggles

Back in the days of brick and mortar stores, I went into my local Sports Chalet and tried on about two dozen pairs of goggles and ended up with Aquashere Seal XP, which stayed on my face without using the strap, so I've used them ever since. Under water, zero leakage! But my face shape isn't your fa...
by EyeYield
Tue Jun 20, 2017 12:05 pm
Forum: Personal Consumer Issues
Topic: MyCokeRewards 9 days left
Replies: 4
Views: 735

Re: MyCokeRewards 9 days left

Mmmm....I guess I'll hold onto my Coke stock certificates. :happy
by EyeYield
Tue Jun 13, 2017 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: Another one of those "We are at the peak, crash is coming, how do I invest?" posts!
Replies: 75
Views: 6749

Re: Another one of those "We are at the peak, crash is coming, how do I invest?" posts!

Why worry about a market crash when you can predict when it's going to happen? (No need to index and expect a measly 6-8% return, when you can predict the future.) FYI, that's me being facetious. I stumbled onto this while looking for something unrelated. A 100% Perfect Predictor of Stock Market Cra...
by EyeYield
Sat Jun 10, 2017 8:12 pm
Forum: Personal Consumer Issues
Topic: AAA Cost
Replies: 85
Views: 8161

Re: AAA Cost

Just got my bill today, $49. Los Angeles.
45 year member.
by EyeYield
Sat Jun 10, 2017 11:57 am
Forum: Personal Consumer Issues
Topic: Overpaid Big Time On Warranty
Replies: 55
Views: 3781

Re: Overpaid Big Time On Warranty

I'm looking to go to the dealership to cancel the extended warranty in the next hour. Any tips or resistance I should expect to encounter? Just tell them that on your way home from the dealer your Check Contract Light came on and recommended you return it to the dealer. And don't forget to praise t...
by EyeYield
Wed Jun 07, 2017 9:01 pm
Forum: Personal Consumer Issues
Topic: Earthquake insurance in SOCAL
Replies: 28
Views: 2089

Re: Earthquake insurance in SOCAL

I recently moved to Southern California and will be moving to Rancho Cucamonga at the end of the month. I need to purchase insurance for my new home. The earthquake insurance is VERY expensive. What are the SOCAL bogleheads thoughts on buying earthquake insurance for this area? I imagine the closer...
by EyeYield
Sun Jun 04, 2017 9:07 am
Forum: Investing - Theory, News & General
Topic: Everything keeps going up, this feels too easy?
Replies: 113
Views: 10269

Re: Everything keeps going up, this feels too easy?

If you think this is easy.....
Some perspective.
It was only a short time ago when today's yang was yesterday's yin.
viewtopic.php?t=80065

I imagine the number on my balance is half of what it says and live my life accordingly.
by EyeYield
Sat Jun 03, 2017 4:31 pm
Forum: Investing - Theory, News & General
Topic: Everything keeps going up, this feels too easy?
Replies: 113
Views: 10269

Re: Everything keeps going up, this feels too easy?

To me it feels surreal. I stopped working in January 2010 (with no intention to permanently retire) and withdrew enough to pay my expenses for a year. In March I did this for the eighth year in a row and not only is my portfolio worth substantially more than it was in 2010, my balance is back up to ...
by EyeYield
Thu Jun 01, 2017 4:33 pm
Forum: Personal Consumer Issues
Topic: Is anyone missing their signed Bogle bobblehead?
Replies: 8
Views: 1067

Is anyone missing their signed Bogle bobblehead?

This may be a completely innocent case of a Boglehead needing to raise funds, but I found it suspicious that the eBay seller has only had an account for a week and only has this one item for sale, so I thought it might be prudent to alert the community. http://www.ebay.com/itm/EXTREMELY-RARE-John-Ja...