Search found 466 matches

by EyeYield
Wed Jan 18, 2017 8:21 pm
Forum: Investing - Theory, News & General
Topic: Fed Rate to 3%
Replies: 26
Views: 2655

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 to 3%
Replies: 26
Views: 2655

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: 3545

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: 6273

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: 9
Views: 1162

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: 9
Views: 1162

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: 9
Views: 1162

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: 5252

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: 670
Views: 16218

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: 1348

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: 3385

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: 3385

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: 3385

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: 2316

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: 2316

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: 743

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: 2316

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: 743

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...
by EyeYield
Sun Dec 11, 2016 10:15 pm
Forum: Investing - Theory, News & General
Topic: Wash Rule and Buying/Selling Bond Funds
Replies: 7
Views: 743

Re: Wash Rule and Buying/Selling Bond Funds

livesoft wrote:I think the consensus is that any actively-managed fund is not substantially identical to a passively-managed index fund.

I hadn't considered it in the light of active vs passive, but that makes sense.
I feel safe, thanks.
by EyeYield
Sun Dec 11, 2016 8:49 pm
Forum: Investing - Theory, News & General
Topic: Wash Rule and Buying/Selling Bond Funds
Replies: 7
Views: 743

Wash Rule and Buying/Selling Bond Funds

I have buy orders placed for AGG - iShares Core US Aggregate Bond, starting at $107.70 and going down in ten cent increments to $107.00. An entertaining game of market timing and I doubt many/any orders will get filled, because I think the hike is priced in, but in case there's a blip I want to be p...
by EyeYield
Sat Dec 10, 2016 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance without knowing income
Replies: 31
Views: 2316

Re: Health Insurance without knowing income

Am I paying more for insurance through a broker than I would buying directly on coveredca.com? I like the service a broker provides but I was under the impression that they didn't add any cost to the policies I buy through them. Yes they do, because they can only sell you a regular policy. If you w...
by EyeYield
Sat Dec 10, 2016 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance without knowing income
Replies: 31
Views: 2316

Re: Health Insurance without knowing income

OP, I'm wondering why you are going to a broker when you live in California and may quality for a subsidy? Have you tried here: http://www.coveredca.com/ I'm in my third year on the ACA and I've always gone through Covered California and have always estimated my income; and I've always estimated wro...
by EyeYield
Thu Dec 08, 2016 10:38 pm
Forum: Investing - Help with Personal Investments
Topic: Are Bonds a Good Investment Now?
Replies: 35
Views: 4674

Re: Are Bonds a Good Investment Now?

Re: Are Bonds a Good Investment Now? For me, something like the Total Bond Fund is the BEST investment NOW and I'm buying. Set aside for a moment that December is my annual TLH month and that my portfolio has an increased equity position due to the recent run up in stocks, putting my AA out of balan...
by EyeYield
Mon Dec 05, 2016 11:15 am
Forum: Investing - Help with Personal Investments
Topic: Given EE bonds - what to do?
Replies: 12
Views: 1274

Re: Given EE bonds - what to do?

Regarding the 1998 1.31% bond, will that stay a consistent 1.31% return? (I don't know enough about bonds to know why most are 4% while that one is 1.31%) I believe it was in '97 when EE bonds went "variable", at least that's when I stopped buying them. Your 1998 bond is now tied to Treas...
by EyeYield
Wed Nov 30, 2016 1:00 pm
Forum: Personal Consumer Issues
Topic: FIRE how do you live now
Replies: 56
Views: 7129

Re: FIRE how do you live now

OP, maybe if you edit your first post and substitute the word "you" for the phrase "most of us", you'll better reach your target audience and your thread won't get side tracked. :D I have become a full time Boglehead, attempting to pass on what I have learned. And I swim 4000 yar...
by EyeYield
Mon Nov 28, 2016 10:16 pm
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 219
Views: 21915

Re: Retreat to cash

One response on capital gain tax has reminded me to spread sales in taxable accounts over 2016 and 2017. I've put in sale orders for half of my investments in taxable accounts and all in non-taxable. After year-end, I’ll do the sells for the remaining taxable accounts. It looks like tax implication...
by EyeYield
Thu Nov 24, 2016 12:54 pm
Forum: Investing - Theory, News & General
Topic: Bogle Biography?
Replies: 16
Views: 1522

Re: Bogle Biography?

I've now watched many videos with Mr. Bogle and have read many articles involving him, including this recent interview: https://www.bloomberg.com/features/2016-jack-bogle-interview/ This man is incredible! His mind seems sharper than those of most 25-year-olds. Is there a good biography--old, new, ...
by EyeYield
Tue Nov 22, 2016 3:01 pm
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 219
Views: 21915

Re: Retreat to cash

I have been seriously considering getting out of the equity and bond markets and retreating to cash during the next year. Essentially betting that returns will be negative or less than 1%. I’m a long time investor and have never been scared off before,) Let's break this down; in another post you st...
by EyeYield
Sat Nov 19, 2016 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Jack Bogle says Fidelity will be sold in 5 years...
Replies: 25
Views: 4228

Re: Jack Bogle says Fidelity will be sold in 5 years...

Ok, I'll speculate. If Fidelity gets bought, it will probably be by BlackRock, who already seems to be forming an alliance with Fidelity by offering a slew of ETF's that can be traded for free at Fidelity.

And they're big enough.

Would a sale be actionable for the retail investor? Not in my opinion.
by EyeYield
Mon Nov 14, 2016 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds suck
Replies: 46
Views: 6534

Re: Bonds suck

Which bond fund are you investing in? My bond fund (FIJEX) is up 5.72% YTD. AGG. YTD is 4.84%, but Fidelity is saying my total gain/loss is -2.27%. Looking back, I see I first bought on 3/8/16. They were higher than compared to 1/1/16, so I guess that explains it. This account isn't my main retirem...
by EyeYield
Thu Nov 03, 2016 10:09 pm
Forum: Personal Consumer Issues
Topic: Honey
Replies: 27
Views: 3725

Re: Honey

Have you tried Manuka honey? I've only used it in my Fresh Green Yerba Mate, Sencha Green Tea, American Ginseng, Echinacea Purpurea and Echinacea Angustifolia combination, but, for me, it adds a good flavor tilt.

Manuka also has many supposed medicinal qualities. It's not cheap though.
by EyeYield
Fri Sep 23, 2016 2:48 pm
Forum: Investing - Theory, News & General
Topic: The Trouble with "Buy and Hold"
Replies: 141
Views: 12416

Re: The Trouble with "Buy and Hold"

What Market Timers are suggesting is that, say, with a simple market timing system, you can approach the absolute returns achieved with Buy and Hold while slashing your risk (defined as volatility) in half. And in fact, backtesting back to the early 1970s has confirmed this. Where? I have seen no d...
by EyeYield
Tue Sep 20, 2016 12:45 pm
Forum: Personal Consumer Issues
Topic: Best (Available)Red Wine for under $15 preferrably under $10
Replies: 110
Views: 20799

Re: Best (Available)Red Wine for under $15 preferrably under $10

I thought a Bogleheads search for Apothic Inferno would yield some results, but this is the closest thread that came up. I tried it last night and will buy some more if it's still available. Very unique, even among other "whiskey barreled" reds. I can imagine that many wine connoisseurs wi...
by EyeYield
Sun Sep 18, 2016 1:21 pm
Forum: Investing - Theory, News & General
Topic: Never invest in ....... ?
Replies: 53
Views: 5705

Re: Never invest in ....... ?

.......Tulips!

But that's just me. I got scared out of the tulip market after the tulip bubble burst in 1637.
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: 3490

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: 4656

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: 12791

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: 2611

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: 6017

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: 7543

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: 10016

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: 46
Views: 16992

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: 3305
Views: 812746

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: 2611

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: 3305
Views: 812746

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: 2611

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: 4505

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: 3270

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: 780

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: 1048

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...

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