Search found 427 matches

by EyeYield
Thu Apr 28, 2016 5:55 pm
Forum: Investing - Theory, News & General
Topic: Selling in May and Walking Away?
Replies: 83
Views: 6773

Re: Selling in May and Walking Away?

Sell in May, May 19th, and buy on August 25th. Oh, never mind, that was last year. :oops: Sell in May and pay, pay, pay, capital gains taxes. Get back in in November, lose two quarters of dividends and probably be where you were in May, maybe higher, maybe lower. What's the point? Chasing possible f...
by EyeYield
Fri Apr 22, 2016 10:14 pm
Forum: Investing - Theory, News & General
Topic: James Dale Davidson's prediction of 2016 collapse
Replies: 42
Views: 3894

Re: James Dale Davidson's prediction of 2016 collapse

OP, You've just crossed over into the financial noise zone. It's huge, it's dark and can have devastating long term side effects on your mental, and emotional health, not to mention your wealth. Be forewarned. Here's another guy who has predicted gloom and doom several times a month for the last 7 y...
by EyeYield
Wed Apr 20, 2016 4:18 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2901
Views: 613568

Re: U.S. stocks in freefall

Either outcome is good for the Bogleheads. If the markets continue to steamroll up, your IRA's will be worth more, my cash will be eaten away by inflation and you can tell me how wrong and foolish I am, and if the markets correct, it will present a great buying opportunity for you to buy more and b...
by EyeYield
Wed Apr 20, 2016 1:16 pm
Forum: Personal Consumer Issues
Topic: Verizon Made A Mistake, Now My Plan Is Gone Forever.
Replies: 8
Views: 1856

Re: Verizon Made A Mistake, Now My Plan Is Gone Forever.

I had a somewhat similar situation with T-Mobile a few years ago. Basically, they put me on a new plan without asking me. It was for the same cost per month but I wasn't getting as much data or minutes as I had been. I called T-Mobile up and complained and they apologized for what happened but said...
by EyeYield
Wed Apr 20, 2016 12:07 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2901
Views: 613568

Re: U.S. stocks in freefall

a once in a lifetime buying opportunity is coming. There's only one opportunity of a lifetime. Start early, invest consistently and let compounding do it's thing over YOUR lifetime. You're not alone. There isn't anyone who can totally escape their own psychology. Ignoring the noise industry, and it...
by EyeYield
Tue Apr 19, 2016 10:09 pm
Forum: Personal Consumer Issues
Topic: Verizon Made A Mistake, Now My Plan Is Gone Forever.
Replies: 8
Views: 1856

Verizon Made A Mistake, Now My Plan Is Gone Forever.

I think my options are few, but maybe the collective wisdom of the Bogleheads know better. Here's the situation. I signed up for a pre pay plan about 17 years ago, called Free Up. Unused minutes rolled over as long as I added minutes before time ran out. I routinely had to add $30 every 90 days to k...
by EyeYield
Mon Apr 11, 2016 9:54 pm
Forum: Personal Consumer Issues
Topic: Sport players Cards (Football, Baseball, Basketball), anyone collect?
Replies: 52
Views: 3597

Re: Sport players Cards (Football, Baseball, Basketball), anyone collect?

I don't collect, but I treasure my grandma's collection she gave me around 1962 Several years ago I sought out information on all her cards and was aided by the host of net54baseball, Leon, who's a very honest guy. It's to cards what Bogleheads is to investing. If you have a question about cards, es...
by EyeYield
Fri Apr 08, 2016 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Investing in Index Funds and Living off of Dividends?
Replies: 22
Views: 1807

Re: Investing in Index Funds and Living off of Dividends?

I might be paranoid, but I don't link my accounts with each other, so I just have a check sent once a year. My strategy is to live this year from the dividends earned last year. That way I'm pulling funds from a known market and using them in the current market. Things can change fast and I feel I'm...
by EyeYield
Sat Apr 02, 2016 11:59 am
Forum: Personal Consumer Issues
Topic: Temporary (air mattress type) bed recommendations
Replies: 13
Views: 519

Re: Temporary (air mattress type) bed recommendations

Probably overkill for what you need, but I've sleeping on one of these for over 30 years and, for me, nothing compares.
http://www.newworldmfg.com/airbeds.htm
Great company.
by EyeYield
Fri Apr 01, 2016 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Major Insurer Pulls a Fast One [Prudential changes terms for LTC inflation protection]
Replies: 4
Views: 958

Re: Major Insurer Pulls a Fast One

LTC might be the biggest hole in my financial future in the sense I have a hard time figuring out what to do about it. Can't decide if it's a good product for me or not, or if there are solid, reputable policies out there. But being unmarried I'm thinking I'll forgo it and risk a somewhat smaller e...
by EyeYield
Thu Mar 31, 2016 7:52 pm
Forum: Investing - Theory, News & General
Topic: VCORX
Replies: 6
Views: 640

Re: VCORX

Jaxfann wrote:Does any one know why when I enter above symbol (Vanguard's new Admiral Core Bond Fund" into "Yahoo Finance" it shows me today's return for Van Kampen Core Growth fund?

Yahoo is not the most reliable....well, anything.

Try Morningstar, it shows up fine there.
by EyeYield
Sat Mar 26, 2016 11:59 am
Forum: Investing - Theory, News & General
Topic: You cannot make money old fashioned way in this market
Replies: 25
Views: 5243

Re: You cannot make money old fashioned way in this market

Yes, the article is one of the sillier examples of saying nothing while sounding as if one is saying something. But to return to the original post, what I'm not seeing anywhere in the article is anything to the effect that "You cannot make money old fashioned way in this market... the only way...
by EyeYield
Wed Mar 23, 2016 12:00 pm
Forum: Investing - Theory, News & General
Topic: ‘Rich Dad’ author says the 2016 market collapse is coming
Replies: 47
Views: 7083

Re: ‘Rich Dad’ author says the 2016 market collapse is coming

Economic collapse predicting is a growth industry that scares people into buying all kinds of "stuff" to prepare for various forms of Armageddon. According to one prediction, the global economic collapse has already happened - it's all over. This was reported on July 15th 2015. https://sha...
by EyeYield
Mon Mar 07, 2016 2:22 pm
Forum: Investing - Theory, News & General
Topic: Living on dividend and interest a question
Replies: 30
Views: 2189

Re: Living on dividend and interest a question

One other caveat for this discussion lets not consider any tax implication. It's all about the taxes, but I won't consider that. In retirement I have two choices: a) live off the divs/distributions. b) reinvest divs/distributions and sell assets. b) involves trading costs, so I choose a) But it's r...
by EyeYield
Wed Mar 02, 2016 9:22 pm
Forum: Investing - Theory, News & General
Topic: What is John Bogle's best book?
Replies: 25
Views: 2814

Re: What is John Bogle's best book?

I've read many of Mr. Bolgle's books on investing and they're all worth reading, but once you get tired of reading about investing, I recommend "The Clash of the Cultures", a book about Jack's experience in the financial industry itself and what he's learned from it. What I learned from re...
by EyeYield
Mon Feb 29, 2016 3:18 am
Forum: Investing - Theory, News & General
Topic: Selling all equities, discuss why I'm wrong. :)
Replies: 196
Views: 21706

Re: Selling all equities, discuss why I'm wrong. :)

visualguy wrote:
EyeYield wrote:What is your plan?


It looks like his plan is to avoid losing his hard-earned money in the stock market...

That's his plan? Then he's in the wrong forum and should stay out of the stock market.

Saving, investing and retiring is not for everybody.
by EyeYield
Mon Feb 29, 2016 2:05 am
Forum: Investing - Theory, News & General
Topic: Selling all equities, discuss why I'm wrong. :)
Replies: 196
Views: 21706

Re: Selling all equities, discuss why I'm wrong. :)

Two month update: My cash and bond portfolio is now up +4.6% as compared to Vanguard Life Strategy Growth from Sept 1st, when I sold all my equities. (me: + 0.4%, LfStrat: -4.2%) I'm still happy with my decision and will not buy back in yet. There's certainly been some ups and downs over the past t...
by EyeYield
Tue Feb 23, 2016 2:01 pm
Forum: Investing - Theory, News & General
Topic: Managed accounts beat DIY investor
Replies: 33
Views: 2878

Re: Managed accounts beat DIY investor

hnzw rui wrote: My recipe is not to listen to the noise at all. :P

Isn't reading it and posting about it the same thing as hearing it? :P
by EyeYield
Tue Feb 23, 2016 12:33 pm
Forum: Investing - Theory, News & General
Topic: Managed accounts beat DIY investor
Replies: 33
Views: 2878

Re: Managed accounts beat DIY investor

The takeaway? My take away is that the link between your money and your brain is inescapable for humans. The best we can do is develop a strong discipline by exposing ourselves to as much noise as possible and ignoring it until that ignoring becomes second nature. That's just my personal recipe. St...
by EyeYield
Mon Feb 22, 2016 11:01 pm
Forum: Investing - Theory, News & General
Topic: Managed accounts beat DIY investor
Replies: 33
Views: 2878

Re: Managed accounts beat DIY investor

Today I met with our new Valic rep who sells 403(b) accounts. We had a good conversation and at an opportune moment I told him I was a Boglehead and I believe in passive indexing. He told me "research" that those that have an advisor-managed account perform better than the DIY investor du...
by EyeYield
Thu Feb 18, 2016 10:04 pm
Forum: Investing - Theory, News & General
Topic: Extreme saving with low returns - not worth it?
Replies: 71
Views: 8677

Re: Extreme saving with low returns - not worth it?

I know its not a one size fits all situation but I'm starting to think that extreme saving is not worth it for myself. The reason is because low expected returns and taxes, and low safe withdrawal rates wouldn't enable me to retire that much sooner. I'm not going to go on a huge shopping spree but ...
by EyeYield
Thu Feb 11, 2016 2:55 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2901
Views: 613568

Re: U.S. stocks in freefall

Cash is a position too, IMHO, and I have a position in cash, which is getting killed by my bond position. Where's the, "why not 100% bonds" thread? :) Cash, outside of an emergency fund, always seems to lose to some other asset class. http://s23.postimg.org/bneozd7pn/Untitled.png http://q...
by EyeYield
Thu Feb 11, 2016 1:34 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2901
Views: 613568

Re: U.S. stocks in freefall

Cash is a position too, IMHO, and I have a position in cash, which is getting killed by my bond position. Where's the, "why not 100% bonds" thread? :)
Cash, outside of an emergency fund, always seems to lose to some other asset class.
by EyeYield
Tue Jan 26, 2016 9:43 pm
Forum: Investing - Help with Personal Investments
Topic: HELP - need advisor-leaving advice quick...
Replies: 20
Views: 1476

Re: HELP - need advisor-leaving advice quick...

Been there. I know how frustrating it is to suddenly realize how many fees, loaded funds, high expense ratios, 12b-1 fees, etc, that you were sold for so long, before you got Boglecated. Relax, take it slow, you'll be fine. Be aware that some brokerages don't handle some fund families, so you may ne...
by EyeYield
Mon Jan 25, 2016 2:06 pm
Forum: Investing - Help with Personal Investments
Topic: Think my future father in law is giving the wrong advice to my fiance..what should i do?
Replies: 111
Views: 9854

Re: Think my future father in law is giving the wrong advice to my fiance..what should i do?

OP - You’ve made your investment philosophy known; I’d just go about your regularly scheduled program of life and not mention it again. There’s a likelihood that, in time, she will take a look at the difference between the two suggested portfolios and mention that she wished she would have listened ...
by EyeYield
Fri Jan 15, 2016 10:29 pm
Forum: Investing - Help with Personal Investments
Topic: [New Member] Picking a stock
Replies: 28
Views: 1621

Re: [New Member] Picking a stock

I've always been a big fan of experiential learning - I really just want to test out the markets Good news! All the tests and experimenting have already been done for you. Read the suggested reading on the wiki. As for individual stocks, go for it and have yourself a ball. But first, build a core p...
by EyeYield
Thu Jan 14, 2016 10:45 pm
Forum: Investing - Theory, News & General
Topic: What would you tell your 25 yr old self?
Replies: 99
Views: 6843

Re: What would you tell your 25 yr old self?

Boy, you're having a good time, I could never do those things now. How did you ever find the discipline to send $25 to one of your DRIPs when you were homeless?
by EyeYield
Fri Jan 01, 2016 8:23 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST
Replies: 656
Views: 19501

Re: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST

2326.55 - Same optimistic guess as last year.
by EyeYield
Sat Dec 26, 2015 11:08 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house: Am I making a bad decision?
Replies: 45
Views: 4821

Re: Buying a house: Am I making a bad decision?

This dog is 12 years old with a 14-16 year life span; I rescued her when I was in college and love her dearly. I'm willing to make the concession of a doggy door for her. She will not be re-homed, I have made a commitment to her. Besides, what would I do with all of our matching sweaters? :wink: I ...
by EyeYield
Thu Oct 22, 2015 9:16 pm
Forum: Personal Consumer Issues
Topic: Guilty pleasures?
Replies: 123
Views: 12809

Re: Guilty pleasures?

Kazper: My "guilty pleasure" is overtipping. During much of my life, raising three children, we could not afford more than the customary tip--even when service was excellent. In recent years (thanks to Jack Bogle) I can afford to give a large tip when I receive above-average service. It g...
by EyeYield
Thu Oct 22, 2015 4:44 pm
Forum: Investing - Theory, News & General
Topic: Selling all equities, discuss why I'm wrong. :)
Replies: 196
Views: 21706

Re: Selling all equities, discuss why I'm wrong. :)

Let's forget where the market is today. Let's assume that the market is exactly where it was when the equities were sold. A more definitive metric would be what percentage of the total equaties converted to cash were trading costs, capital gains taxes and missed dividends. Personally, if I sold all ...
by EyeYield
Thu Oct 01, 2015 12:58 am
Forum: Personal Consumer Issues
Topic: Nisiprius Investments Launches Yet Another Innovative Fund
Replies: 64
Views: 9858

Re: Nisiprius Investments Launches Yet Another Innovative Fund

the voice dropping a musical fifth on the last word of every sentence.

It may be some kind of fifth, but it's not musical. :D
by EyeYield
Wed Sep 30, 2015 11:47 pm
Forum: Personal Consumer Issues
Topic: Martial arts for beginner adults
Replies: 45
Views: 3391

Re: Martial arts for beginner adults

Since you've already started BJJ, I'll just make a few observations. First, as has been mentioned, it's the instructor. Learning the proper technique will stay with you forever. Learning a "lesser than" technique may eventually cause injuries. Pick a practice that suits your existing physi...
by EyeYield
Sun Sep 27, 2015 11:42 am
Forum: Personal Consumer Issues
Topic: Nisiprius Investments Launches Yet Another Innovative Fund
Replies: 64
Views: 9858

Re: Nisiprius Investments Launches Yet Another Innovative Fund

The Nisiprius Optimum Blended Universal Index Fund sounds pretty good, but it lacks the word Strategic in it's name, so it can't be that good.
by EyeYield
Thu Sep 17, 2015 5:52 pm
Forum: Investing - Theory, News & General
Topic: Decided to try timing the market. 100% short on 9/17/15
Replies: 334
Views: 39872

Re: Decided to try timing the market. 100% short on 9/17/15

I know, I know, heresy coming from an avid fan of Bogle, indexing, low fees, and detractor of all overpaid middlemen! However, I have done a my due diligence, read the white papers, and my own backtesting is compelling enough to not ignore. To that end, I have decided to follow the moving average s...
by EyeYield
Wed Sep 16, 2015 1:06 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2901
Views: 613568

Re: U.S. stocks in freefall

The problem with this site is that people fact check and hold you accountable for what you say... And they are willing to tease you about it... The problem isn't the fact checking. As for the teasing, consider the amount of people holding back after being taunted by a fortune teller and you'll see ...
by EyeYield
Tue Sep 15, 2015 6:36 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2901
Views: 613568

Re: U.S. stocks in freefall

The problem with this site is that people fact check and hold you accountable for what you say... And they are willing to tease you about it... The problem isn't the fact checking. As for the teasing, consider the amount of people holding back after being taunted by a fortune teller and you'll see ...
by EyeYield
Mon Sep 14, 2015 10:10 pm
Forum: Personal Consumer Issues
Topic: McDonald's has good coffee: McDonalds has Senior Coffee
Replies: 92
Views: 9486

Re: McDonald's has good coffee: McDonalds has Senior Coffee

I learn something new here almost everyday. I haven't been in MD's for 20 years, but I guess I'll have to try the coffee. The only problem is, I need my coffee in order to leave the house without stumbling. :oops: That reminds me, National Coffee Day is coming up 9/29, I believe, and you can get a f...
by EyeYield
Sun Sep 13, 2015 1:51 am
Forum: Investing - Theory, News & General
Topic: When Do People Actually Claim Social Security?
Replies: 105
Views: 7491

Re: When Do People Actually Claim Social Security?

What you're saying is that most people have no self-discipline and can't wait for the extra candy bar. That's what I'm saying. Though I never stated most. It was just a candy bar analogy after all. 1% waiting to claim until 70? It doesn't match the percentage of those who are poor or those who don'...
by EyeYield
Sat Sep 12, 2015 1:06 pm
Forum: Investing - Theory, News & General
Topic: When Do People Actually Claim Social Security?
Replies: 105
Views: 7491

Re: When Do People Actually Claim Social Security?

I found the following in Laurence Kotlikoff's book, "Get What's Yours". At which age do people claim SS? (Data for the year 2012): 62 38% (First opportunity) 63 6% 64 7% 65 12% 66 18% (Full retirement age) DI 16% (Disability conversions for people reaching full retirement age) 67-69 2% 70...
by EyeYield
Sat Sep 05, 2015 9:50 pm
Forum: Investing - Help with Personal Investments
Topic: Confession time.....no stocks
Replies: 60
Views: 6323

Re: Confession time.....no stocks

I really appreciate all of the thoughtful and sincere responses.I apologize for my writing style.To be honest I use...sometimes because am uncertain if I should use a comma,period or continue on with a run on sentence.I see how such a long rambling post, as some have described my long initial post,...
by EyeYield
Thu Sep 03, 2015 7:17 pm
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads Los Angeles meetings
Replies: 88
Views: 7865

Re: Bogleheads Los Angeles meetings

If you read the thread, you will see that the location was initially suggested before the group was this size. An LA Bogleheads meeting was proposed for months with almost no interest whatsoever. So there was no reason to assume that the group would grow so much so quickly. But we all know that “pa...
by EyeYield
Thu Sep 03, 2015 11:37 am
Forum: Investing - Theory, News & General
Topic: Bill Gross: cash is your best investment right now
Replies: 63
Views: 9077

Re: Bill Gross: cash is your best investment right now

He may be right, cash might be the best investment, right now. Maybe next month, he'll get some more mic time and state that the Russell 2000 value is the best investment, right now. Maybe next year he'll believe that the MSCI EAFE is the best place to invest, right now. By being diversified, you'll...
by EyeYield
Wed Sep 02, 2015 12:24 pm
Forum: Investing - Theory, News & General
Topic: Selling all equities, discuss why I'm wrong. :)
Replies: 196
Views: 21706

Re: Selling all equities, discuss why I'm wrong. :)

You're obviously not an idiot and are attempting to do your due diligence in an effort to protect your assets. However, and this is a sentence that has been quoted already, I think this is important. I see the importance of IPSs in bolstering fortitude in bad times, but when the data changes, it see...
by EyeYield
Wed Sep 02, 2015 12:33 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads Los Angeles meetings
Replies: 88
Views: 7865

Re: Bogleheads Los Angeles meetings

Eating and drinking at a popular, loud, restaurant on a Saturday night sounds like good fun, but not a very good environment for a meeting, in my opinion. There's no reservations at this place and no rooms available for private parties. How are over 14 people supposed to be together? When we were of...
by EyeYield
Thu Aug 27, 2015 12:18 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2901
Views: 613568

Re: U.S. stocks in freefall

Wednesdays gain will provide false security. It's the calm before the storm (downward). That sounds like a prediction, but offers no specifics. Could you clarify? What time will the calm end and the storm start? In one hour, tomorrow, Monday, on the anniversary of Black Monday in October, when? Mor...
by EyeYield
Wed Aug 26, 2015 12:14 pm
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads Los Angeles meetings
Replies: 88
Views: 7865

Re: Bogleheads Los Angeles meetings

Hmmm, I mentioned possibly hosting here in the SFV, Burbank area with no feedback. It would have to be a Sat or Sun when my dad is gone allowing for at least 5-6 solid hours. BBQ available, large living room, TV for whatever. Nice house and area. Just an offer. What is a tentative agenda for these ...
by EyeYield
Tue Aug 25, 2015 8:55 pm
Forum: Investing - Theory, News & General
Topic: [spurned advisor purports there is a Vanguard] Class Action Suit?
Replies: 43
Views: 5705

Re: [spurned advisor pretends there is a Vanguard] Class Action Suit?

I feel very fortunate after reading this thread. My advisor, at the full service brokerage I left, didn't try to dissuade me from leaving or plant any gloom and doom scenarios in my head. We had a respectful face to face talk where I simply stated I wanted to do it myself and he understood. During o...
by EyeYield
Tue Aug 25, 2015 4:26 pm
Forum: Investing - Theory, News & General
Topic: A Voice of Reason in the Mainstream Press
Replies: 19
Views: 2740

Re: A Voice of Reason in the Mainstream Press

Very good article, but will the average investors it's mainly about, i.e., the investors who will not only watch CNBC and other venues of daily stock market doings, but also act on them, read it and understand it's about them? Some maybe, but probably not many. Still, if it helps some break the sho...

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