Search found 433 matches

by EyeYield
Wed Jun 22, 2016 11:53 am
Forum: Investing - Help with Personal Investments
Topic: Will there ever be a better time to sell off my international stake?
Replies: 35
Views: 3202

Re: Will there ever be a better time to sell off my international stake?

I want to move all of my assets into VTSAX, and righ now

Why? Do you feel you are too diversified?

You could have just as easily asked, "WILL THERE EVER BE A WORSE TIME TO SELL OFF MY INTERNATIONAL STAKE?" A question that would be just a as valid, if not more so.
by EyeYield
Sun Jun 12, 2016 1:47 pm
Forum: Investing - Theory, News & General
Topic: Advisor tells the truth
Replies: 33
Views: 4208

Re: Advisor tells the truth

I'm going to be posting in the Help forum for a friend, when I get all their information, but this is their advisor managed account compared to an S&P 500 index fund (I know the S&P is not an apples to apples comparison to these funds). For this wonderful performance my friend pays 1.5%. My ...
by EyeYield
Wed Jun 08, 2016 8:58 pm
Forum: Investing - Theory, News & General
Topic: What are your friends saying about you?
Replies: 127
Views: 11131

Re: What are your friends saying about you?

My friends have been known to tell each other that they are sick of me preaching about how uninformed they are, paying a 1.5% wrap fee to their broker, not knowing what investments their broker is buying with their money. Their broker is there to make them money and they trust him/her, so what could...
by EyeYield
Wed Jun 01, 2016 9:52 pm
Forum: Personal Consumer Issues
Topic: Verizon Made A Mistake, Now My Plan Is Gone Forever.
Replies: 9
Views: 2485

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

Update: Just in case this may help someone in the future. After going back and forth with my local Verizon stores for two weeks and getting nowhere, I gave up on them. On May 4th I took the advice of mwm158 (thanks mwm158) and filed a complaint with the FCC about my problem. On May 5th I received a ...
by EyeYield
Tue May 24, 2016 9:43 pm
Forum: Investing - Theory, News & General
Topic: What was your first investment?
Replies: 117
Views: 4796

Re: What was your first investment?

Coca Cola KO - 10 Shares - My first DRIP certificate, bought sometime in the mid '60's - Jt Ten with my mom at her suggestion.
Sentimentally in my safety deposit box, still reinvesting the divs.
Haven't added to it in years.

Or was it Allied Chemical? - Bought them both in the same time frame.
by EyeYield
Sun May 15, 2016 10:18 pm
Forum: Investing - Theory, News & General
Topic: Jim Cramer doesn’t beat the market
Replies: 61
Views: 6811

Re: Jim Cramer doesn’t beat the market

The main purpose of his show, and shows like it, is to please the advertisers who are mostly brokerages who make $7.95 a trade times millions. When he recommends buying or selling, cash registers ring.
by EyeYield
Thu Apr 28, 2016 5:55 pm
Forum: Investing - Theory, News & General
Topic: Selling in May and Walking Away?
Replies: 106
Views: 9157

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: 5060

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: 3087
Views: 683532

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: 9
Views: 2485

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: 3087
Views: 683532

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: 9
Views: 2485

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: 4060

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: 25
Views: 3002

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: 652

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: 1005

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: 771

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: 5381

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: 7368

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: 2313

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: 3004

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: 22486

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: 22486

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: 3059

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: 3059

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: 3059

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: 9072

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: 3087
Views: 683532

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: 3087
Views: 683532

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: 1659

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: 10280

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: 1764

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: 7333

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: 22834

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: 5039

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: 13520

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: 22486

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: 10031

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: 3756

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: 10031

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: 42106

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: 3087
Views: 683532

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: 3087
Views: 683532

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: 10181

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: 7809

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: 7809

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: 6488

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: 8281

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: 9344

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...

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