Search found 2239 matches

by Index Fan
Tue Feb 09, 2016 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Displeased with Fidelity Cash / BNY Mellon- debit card theft
Replies: 37
Views: 3416

Re: Displeased with Fidelity Cash / BNY Mellon- debit card theft

Sorry to hear of the theft. I'd suggest carrying no more than 2 debit/credit cards at any one time in the future so one doesn't temporarily lose access to all of one's 'plastic funds'. Diversify one's holdings by keeping them in different baskets, so to speak.
by Index Fan
Tue Feb 09, 2016 9:57 am
Forum: Investing - Theory, News & General
Topic: "Politics and Investing Don't Mix"
Replies: 23
Views: 1957

Re: "Politics and Investing Don't Mix"

I wonder what investors in the Russian stock market in 1915 thought about politics and investing not mixing? :)
by Index Fan
Mon Feb 08, 2016 11:27 pm
Forum: Investing - Theory, News & General
Topic: Jeremy Siegel : I was too bullish
Replies: 19
Views: 3523

Re: Jeremy Siegel : I was too bullish

Siegel was too bullish? lol
by Index Fan
Mon Feb 01, 2016 9:22 am
Forum: Investing - Help with Personal Investments
Topic: Short-Term Fund, Thoughts Wanted
Replies: 11
Views: 961

Re: Short-Term Fund, Thoughts Wanted

I split my emergency fund 50/50 between an online savings account and Vanguard Short Term Bond Index. I utilize the savings account money first when needed. It's worked well so far.
by Index Fan
Wed Jan 27, 2016 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct is a waste of time
Replies: 44
Views: 3244

Re: Treasury Direct is a waste of time

I feel your pain. It's too much of a bother.
by Index Fan
Thu Dec 31, 2015 4:01 pm
Forum: Investing - Theory, News & General
Topic: Is the collapse of oil price a "black swan"?
Replies: 133
Views: 15352

Re: Is the collapse of oil price a "black swan"?

One thing that the oil price collapse definitely shows- all of the 'peak oil' threads in years past were a lot of nonsense. Keep that in mind for future reference.
by Index Fan
Thu Dec 24, 2015 2:01 pm
Forum: Investing - Theory, News & General
Topic: Bogle: "We Need to Fix the Bond Index"
Replies: 46
Views: 3873

Re: Bogle: "We Need to Fix the Bond Index"

Some may remember that in 2002 the managers of TBM fund decided to overweight corporate bonds to "improve performance". This backfired badly and the fund trailed the index by a couple of percentage points. A very important point. When LifeStrategy or Target Retirement funds change to make...
by Index Fan
Thu Dec 24, 2015 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Work Part-Time or Fully Retire?
Replies: 57
Views: 5196

Re: Work Part-Time or Fully Retire?

A bit of advice from a retiree- I'd say that if you want to work part-time, get a part-time job soon after retirement. If you put it off long enough, you'll get used to not working and it may be hard going back to work.
by Index Fan
Thu Dec 24, 2015 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: Age in Bonds
Replies: 108
Views: 7866

Re: Age in Bonds

Age in bonds is a great rule of thumb. You won't lose your shirt. I also like Target Retirement Income for those in the mature stage of retirement. I am more of a 50/50 guy in retirement because I have a good solid pension and my risk tolerance is comfortable with that AA. If I didn't have that, I'd...
by Index Fan
Tue Dec 15, 2015 7:16 pm
Forum: Investing - Theory, News & General
Topic: Should I follow Jack Bogle in "I don't do International"
Replies: 90
Views: 7381

Re: Should I follow Jack Bogle in "I don't do International"

We have only 10% allocated to international and it isn't pretty. Based on experience we will probably buy more since the category is down, but it doesn't feel very good. Emotion is not supposed to be part of investing, so robotic like (gulp), we will definitely buy more (ugh). I hope this is smart ...
by Index Fan
Mon Dec 14, 2015 9:04 am
Forum: Investing - Theory, News & General
Topic: Interest Rate Hike - Thoughts?
Replies: 38
Views: 3149

Re: Interest Rate Hike - Thoughts?

The trouble that few folks are publicly paying attention to, is that the start of the rise of interest rates is going to hammer the federal budget, as servicing the interest on the debt is going to become an enormous budget item, potentially starting a terrible financial situation down the line. Ju...
by Index Fan
Sat Dec 12, 2015 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Life Strategy Moderate Growth Or Individual setup?
Replies: 11
Views: 814

Re: Life Strategy Moderate Growth Or Individual setup?

Toons wrote:LIfeStrategy Moderate Growth.
:happy


Agreed. As long as you aren't in a high tax bracket.
by Index Fan
Sat Dec 12, 2015 2:51 pm
Forum: Investing - Theory, News & General
Topic: Permanent Bogleheads Portfolio
Replies: 33
Views: 4001

Re: Permanent Bogleheads Portfolio

Interesting idea!

Another proposal-

30% TSM
15% TISM
45% TBM / IT Treasuries
05% REIT
05% Gold
by Index Fan
Thu Dec 10, 2015 10:08 am
Forum: Investing - Theory, News & General
Topic: Vanguard Customer Service Issues
Replies: 73
Views: 4753

Re: We're not allowed to complain about Vanguard here?

Petulance usually isn't the optimal approach to problems. Hope you get things resolved. Don't be shocked if you have similar experiences elsewhere.
by Index Fan
Mon Dec 07, 2015 7:07 pm
Forum: Investing - Theory, News & General
Topic: Hoping for a rate increase this month...
Replies: 8
Views: 1349

Hoping for a rate increase this month...

...so that we can finally settle what happens when interest rates go up, in real time. Lots of speculation will finally be ended. And I wouldn't mind seeing a little more interest earned on fixed income.

Long term investors fear not!
by Index Fan
Mon Dec 07, 2015 11:23 am
Forum: Personal Finance (Not Investing)
Topic: HSBC lowers their rate again
Replies: 22
Views: 3444

Re: HSBC lowers their rate again

0.01% to 0.05% is laughable. Apparently they want to rid themselves of online savings accounts. I left a tiny amount in my account (to annoy them) and transferred the rest to another online bank.
by Index Fan
Mon Dec 07, 2015 1:56 am
Forum: Investing - Help with Personal Investments
Topic: [Are there any exploitable inefficiencies?]
Replies: 82
Views: 6184

Re: Have the Bogleheads gone too far?

Those who can beat the market with ease, please post in real time how you do this, not after the fact. It is easy to be a genius after the fact.
by Index Fan
Wed Dec 02, 2015 11:06 am
Forum: Investing - Theory, News & General
Topic: Historically, was gold's "value" simply that it was a convenient, yet hard to counterfeit symbol?
Replies: 70
Views: 3564

Re: Historically, was gold's "value" simply that it was a convenient, yet hard to counterfeit symbol?

Scarcity is significant. Printing unlimited amounts of 'paper money' ends badly, as seen in history.
by Index Fan
Sun Nov 29, 2015 9:39 am
Forum: Investing - Theory, News & General
Topic: CalPERS $3.4 Billion in investment fees
Replies: 16
Views: 2247

Re: CalPERS $3.4 Billion in investment fees

In the case of private equity, what they found was that even though the fees are very high, that the returns are so high that even after fees, it`s worth it, from their perspective. This reminds me of the 'load funds are great if they earn you more money than cheap funds' argument. I guess the real...
by Index Fan
Mon Nov 23, 2015 8:46 pm
Forum: Investing - Theory, News & General
Topic: When saving money becomes an irrational obsession
Replies: 157
Views: 28709

Re: When saving money becomes an irrational obsession

For every irrational saver, there must be a hundred people who couldn't save money at gunpoint here in the United States.
by Index Fan
Mon Nov 23, 2015 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Ob-Gyn requires prepayment of deductible for pregnancy services - is this typical?
Replies: 64
Views: 8898

Re: Ob-Gyn requires prepayment of deductible for pregnancy services - is this typical?

Then people wonder, "why is it so easy to find someone to remove teeth, but so difficult to find someone to remove my tumor?" It's because we get paid the same....one takes 30 minutes and the other takes 8 hours plus 2 weeks in the hospital which is part of the fee. If you were a surgeon,...
by Index Fan
Sat Nov 21, 2015 11:06 pm
Forum: Investing - Help with Personal Investments
Topic: Discouraged =( [Lost money in IRA target fund]
Replies: 66
Views: 6179

Re: Discouraged =( [Lost money in IRA target fund]

My dad used to say, 'In 10 years you'll forget all about it.'
by Index Fan
Sat Nov 21, 2015 9:08 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1352
Views: 277650

Re: What Book Are You Currently Reading? Part VI

The Last Viking: The Life of Roald Amundsen by Stephen R. Bown http://www.thestar.com/content/dam/thestar/entertainment/books/2012/11/02/the_last_viking_the_life_of_roald_amundsen_by_stephen_bown_review/lastviking.jpeg.size.xxlarge.letterbox.jpeg http://www.amazon.com/Last-Viking-Amundsen-Merloyd-L...
by Index Fan
Sat Nov 21, 2015 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Fund for Extra Cash / Emergency Fund?
Replies: 15
Views: 1549

Re: Bond Fund for Extra Cash / Emergency Fund?

I use both an online savings account and the Vanguard Short Term Bond Index for my emergency money (I'm in a lower tax bracket).
by Index Fan
Fri Nov 20, 2015 3:56 pm
Forum: Investing - Theory, News & General
Topic: Poll: Favorite Coping Strategies for Volatility
Replies: 46
Views: 3586

Re: Poll: Favorite Coping Strategies for Volatility

Ahh, one of those polls that tell us nothing according to the powers that be. Strike it from our sight, lest we learn something forbidden! :)
by Index Fan
Wed Nov 18, 2015 11:06 pm
Forum: Investing - Theory, News & General
Topic: Emergency Portfolio with 30% Stocks
Replies: 53
Views: 4907

Re: Emergency Portfolio with 30% Stocks

I'd just go with Target Retirement Income- has 30% equities, short term TIPS, TBM, TSM, TISM
by Index Fan
Tue Nov 17, 2015 12:19 am
Forum: Investing - Help with Personal Investments
Topic: Is The Vanguard Balanced Index Fund All One Needs?
Replies: 40
Views: 4738

Re: Is The Vanguard Balanced Index Fund All One Needs?

I prefer Target Retirement or LifeStrategy funds, but 1 great thing I will say about the Balanced Index- it rarely changes like the aforementioned funds do.
by Index Fan
Tue Nov 17, 2015 12:15 am
Forum: Personal Consumer Issues
Topic: Thoughts on replacing tires?
Replies: 72
Views: 6635

Re: Thoughts on replacing tires?

I had heard a knowledgeable person say that he would replace tires every 5-6 years due to environmental degradation of the tire (sun exposure etc). I replaced my tires a while back after 6 years. My mechanic asked why I was replacing them- they weren't worn out yet- and seemed slightly surprised at ...
by Index Fan
Sun Nov 15, 2015 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Where to invest Mom's cash
Replies: 10
Views: 1589

Re: Where to invest Mom's cash

Man, I'd love it if my mother would ask me for investing help. :)
by Index Fan
Sun Nov 15, 2015 9:35 am
Forum: Personal Consumer Issues
Topic: we have a [feral or stray] cat - need help
Replies: 67
Views: 4296

Re: we have a [feral or stray] cat - need help

Our indoor cats love their heated cat beds - could work well for your garage kitty: http://www.amazon.com/Manufacturing-Thermo-Kitty-Small-16-Inch-Watts/dp/B00176F9AM My mother has a shed in her backyard with similar cat beds in them. She has several neighborhood strays that stay there in winter. S...
by Index Fan
Sat Nov 14, 2015 9:59 pm
Forum: Personal Consumer Issues
Topic: we have a [feral or stray] cat - need help
Replies: 67
Views: 4296

Re: we have a cat - need help

You are to be commended for caring for a pet that is lost or that was abandoned. I live on a large apartment complex with my significant other and we have rescued 3 cats over the years and have found them homes- 1 of which had a broken leg. We currently now have 2 ferrets that were turned loose by s...
by Index Fan
Fri Nov 13, 2015 4:39 pm
Forum: Investing - Theory, News & General
Topic: Random walks and momentum
Replies: 20
Views: 1517

Re: Random walks and momentum

Many people seem to have an idea to beat the market. I wish they would document their attempt online so we could all see how it works out in real time. I'm being serious here, no snark!
by Index Fan
Fri Nov 13, 2015 10:37 am
Forum: Personal Consumer Issues
Topic: Warm and Quality Blanket Recommendations
Replies: 18
Views: 1958

Re: Warm and Quality Blanket Recommendations

Keep an eye out for military wool blankets. Bought a 4-pack of them for 44 bucks a few years ago from The Sportsman's Guide. They are truly warm, and as a bonus, keep their warmth even when wet :) Haven't had moth damage to them in many years of owning wool blankets. You can keep them in storage tub...
by Index Fan
Thu Nov 12, 2015 4:57 pm
Forum: Investing - Theory, News & General
Topic: My friend is hoarding cash. What do you say?
Replies: 78
Views: 8731

Re: My friend is hoarding cash. What do you say?

zaboomafoozarg wrote:Image


I about inhaled my Vanilla Coke!
by Index Fan
Wed Nov 11, 2015 9:49 pm
Forum: Investing - Theory, News & General
Topic: My friend is hoarding cash. What do you say?
Replies: 78
Views: 8731

Re: My friend is hoarding cash. What do you say?

stan1 wrote:I tend to mind my own business in these situations.


Plus, there may be some weird way that he turns out to be right :D
by Index Fan
Wed Nov 11, 2015 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Relationship with my accountant has gone way south, need advice
Replies: 9
Views: 2313

Re: Relationship with my accountant has gone way south, need advice

I'd find a way to inform as many people as possible of this accountant's incompetence.
by Index Fan
Tue Nov 10, 2015 11:05 pm
Forum: Investing - Theory, News & General
Topic: Why the heck not market-time TIPS?
Replies: 29
Views: 3301

Re: Why the heck not market-time TIPS?

Where are all the successful market timers who document what they do as they do it?

Maybe they're wherever the brokerage firms' customer's yachts are.
by Index Fan
Sun Nov 08, 2015 1:33 am
Forum: Investing - Theory, News & General
Topic: Why the heck not market-time TIPS?
Replies: 29
Views: 3301

Re: Why the heck not market-time TIPS?

Give it a shot- document it here or on a blog. You'll be the test case!
by Index Fan
Sat Nov 07, 2015 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Life lessons: Making loans to friends. Insights? Revelations?
Replies: 169
Views: 15487

Re: Life lessons: Making loans to friends. Insights? Revelations?

I lent a family member a good amount of money when he was having trouble paying his mortgage which turned out to be a balloon mortgage that he never should have signed for ... It has been years since then, and despite the fact that he makes over twice the amount that I make, he has never even discu...
by Index Fan
Fri Nov 06, 2015 3:22 pm
Forum: Investing - Theory, News & General
Topic: 70 is the New 65
Replies: 106
Views: 12565

Re: 70 is the New 65

Staying healthier longer is great. But there are plenty of people in their 50s and 60s who lose their job and cannot find another decent job because they are so old- employers prefer to hire younger people cheaper. Many end up dropping out of the labor pool prematurely, relying upon a spouse or fami...
by Index Fan
Thu Nov 05, 2015 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: How to start investing with nothing
Replies: 24
Views: 2017

Re: How to start investing with nothing

If you are saving for a house borrow $1k from yourself for a target Retirement fund at Vanguard and then pay yourself back with the monthly amounts you choose. You can add small increments to your account whenever you decide to do so. Be sure to sign up for e-statements to avoid low-balance account...
by Index Fan
Thu Nov 05, 2015 8:26 am
Forum: Investing - Theory, News & General
Topic: Why is the expense ratio .16 for the Prime MM?
Replies: 13
Views: 1851

Re: Why is the expense ratio .16 for the Prime MM?

Taylor:

That is true, though with Prime Money Market's YTD return being 0.03%, I have to reflect that my personal inflation rate is well above that current number :)
by Index Fan
Wed Nov 04, 2015 10:17 pm
Forum: Investing - Theory, News & General
Topic: Why is the expense ratio .16 for the Prime MM?
Replies: 13
Views: 1851

Re: Why is the expense ratio .16 for the Prime MM?

I remember when Prime Money Market earned 3-5% before the housing bubble and I kept my emergency fund there.

Those were the days.
by Index Fan
Wed Nov 04, 2015 10:14 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Founder’s Son Tries To Beat the Market
Replies: 33
Views: 5512

Re: Vanguard Founder’s Son Tries To Beat the Market

1.35% ER? That's a lot of fees to overcome on top of beating the index.

Wouldn't touch it with a 10-foot pole.
by Index Fan
Wed Nov 04, 2015 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Life lessons: Making loans to friends. Insights? Revelations?
Replies: 169
Views: 15487

Re: Life lessons: Making loans to friends. Insights? Revelations?

I lent a family member a good amount of money when he was having trouble paying his mortgage which turned out to be a balloon mortgage that he never should have signed for (this was part of the housing bubble scandal- I stayed a renter knowing how crazy the mortgage situation was back then). He made...
by Index Fan
Mon Nov 02, 2015 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: HOW do you spend your money? (Cash, Debit, Check, Credit?)
Replies: 34
Views: 2145

Re: HOW do you spend your money? (Cash, Debit, Check, Credit?)

Electronic payments for bills.

Credit card (paid off monthly) for most everything else (groceries, gas, shopping, restaurants, vacations).

The occasional odd small cash purchase.
by Index Fan
Mon Nov 02, 2015 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards Do You Have?
Replies: 91
Views: 6459

Re: How Many Credit Cards Do You Have?

Two. One as a backup if something happens to my main card, which is a 3% cash back card at my favorite merchant (Amazon, where I do most of my shopping).
by Index Fan
Sat Oct 31, 2015 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Investing disagreements with spouse
Replies: 86
Views: 7401

Re: Investing disagreements with spouse

In the past, when the question of keeping a married couple's money separate or joining it all together is asked, 90%+ of people here say all of their money is jointly owned. Now most people are saying half of it is her money. Interesting. I've always been a 'keep the money separate with agreed-upon ...
by Index Fan
Fri Oct 30, 2015 3:53 pm
Forum: Investing - Theory, News & General
Topic: How much International Exposure?
Replies: 56
Views: 5197

Re: How much International Exposure?

I love how everyone fixates on Japan at peak bubble. No discussion of context, their peak bubble valuations vs. US valuations now. Cultural and societal differences when it comes to shareholder capitalism, responsiveness of political systems to stagnant economic conditions. Someone asked for input ...

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