Search found 2455 matches

by Index Fan
Wed May 16, 2018 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Buying land in central FL
Replies: 55
Views: 5137

Re: Buying land in central FL

bubbadog wrote:
Sun May 13, 2018 6:06 pm
Generally speaking, I believe that if you are "approached" by someone to make an investment/purchase, it is usually a good deal for them and a bad deal for you. The best investments you have to seek out for yourself.
^ this. ^
by Index Fan
Wed May 16, 2018 7:52 am
Forum: Investing - Theory, News & General
Topic: This is Unbelievable - another Vanguard customer support odyssey
Replies: 55
Views: 10955

Re: This is Unbelievable - another Vanguard customer support odyssey

I think average customer service in the business world as a whole is is poor.
by Index Fan
Wed May 16, 2018 7:49 am
Forum: Investing - Theory, News & General
Topic: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%
Replies: 80
Views: 7113

Re: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%

Am I the only one here that is annoyed with Vxxxx ticker symbols that are never identified by OP's?
by Index Fan
Wed May 16, 2018 7:45 am
Forum: Investing - Help with Personal Investments
Topic: Friend says "Stock market will crash, invest in silver" - thoughts?
Replies: 127
Views: 7548

Re: Friend says "Stock market will crash, invest in silver" - thoughts?

Q: When gold is down, what's the next asset pushed upon financially untutored investors?

A: Silver.


(Disclosure- I'm fine with holding a small amount of PM's for portfolio insurance)
by Index Fan
Mon Mar 12, 2018 5:07 pm
Forum: Investing - Theory, News & General
Topic: Is there any reason a buy-and-hold investor would buy gold?
Replies: 158
Views: 12674

Re: Is there any reason a buy-and-hold investor would buy gold?

Precious metals have come in handy in multiple historical scenarios including Argentina's economic turmoil in the early 2000s (especially 'junk jewelry').

Holding small amounts of PMs for portfolio insurance purposes a reasonable strategy to me.
by Index Fan
Sat Feb 24, 2018 2:30 pm
Forum: Investing - Theory, News & General
Topic: Evidence that retirement account ID theft is increasing
Replies: 31
Views: 4609

Re: Evidence that retirement account ID theft is increasing

I check my financial-only email frequently because any kind of fraud will show up in my email box (changing addresses, changing passwords, new email, new bank account, withdraws etc.).

It's really not that hard.
by Index Fan
Wed Feb 21, 2018 6:43 pm
Forum: Investing - Theory, News & General
Topic: Why investors shouldn’t panic over falling bond prices
Replies: 36
Views: 6649

Re: Why investors shouldn’t panic over falling bond prices

Everybody thinks they can time the bond market. Everyone knew that there was no place to go but down many years ago.

Nobody knows nothing.
by Index Fan
Wed Feb 14, 2018 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: How to advise a parent
Replies: 22
Views: 2019

Re: How to advise a parent

My brother and I talked mom into going to a decent financial planner. She finally went earlier this year and she's getting things in order. We're quite happy, seeing she's made some mistakes in the past.
by Index Fan
Wed Feb 07, 2018 2:01 pm
Forum: Investing - Theory, News & General
Topic: "Bitcoin is my potential pension"
Replies: 54
Views: 8131

‘Bitcoin is my potential pension’

[Thread merged into here, see below. --admin LadyGeek] ‘Bitcoin is my potential pension’ (Washington Post) What's driving people in Kentucky to join the craze https://www.washingtonpost.com/business/economy/bitcoin-is-my-potential-pension-what-is-driving-people-in-kentucky-to-join-the-craze/2018/02...
by Index Fan
Tue Feb 06, 2018 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Recently divorced trying to clear all of my credit card debt.
Replies: 46
Views: 3173

Re: Recently divorced trying to clear all of my credit card debt.

$80 monthly cell phone bill-

Get a Tracfone and a minimum yearly plan that will cost about $8 a month, plus the occasional addition of $10 data purchases and phone minutes (if you need them). You'll save a lot.
by Index Fan
Tue Feb 06, 2018 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: Torn between Vanguard, Fidelity and Schwab
Replies: 169
Views: 16699

Re: Torn between Vanguard, Fidelity and Schwab

I've had accounts at Vanguard, Fidelity, and T Rowe Price, and if I had to pick one, it would be Vanguard. Hands-down. Best selection of funds, best overall low-cost options, good online account interface.
by Index Fan
Thu Feb 01, 2018 8:07 pm
Forum: Forum Issues and Administration
Topic: Fewer acronyms please
Replies: 119
Views: 8668

Re: Fewer acronyms please

Agree on the acronyms, particularly ticker symbols.
dm200 wrote:
Thu Feb 01, 2018 7:58 pm
One technique, perhaps, is to spell it out the first time - then use the acronym.
+1
by Index Fan
Wed Jan 31, 2018 9:24 pm
Forum: Investing - Theory, News & General
Topic: looking for positive experiences transferring to Vanguard
Replies: 39
Views: 2447

Re: looking for positive experiences transferring to Vanguard

It took 2 weeks to transfer my IRA to Vanguard- no hitches at all, quite smooth.

Of course, this was back in 1997 8-)
by Index Fan
Mon Jan 29, 2018 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Returns: Total Bond Market Index vs. Intermediate Term Index
Replies: 8
Views: 1325

Re: Returns: Total Bond Market Index vs. Intermediate Term Index

Personally, I give the edge to TBM due to having more government bonds. In a flight to safety, government bonds do better. It just feels right to have my bond allocation be less about reaching for yield. My equities are for higher risk & return.
by Index Fan
Sun Jan 28, 2018 7:50 pm
Forum: Investing - Theory, News & General
Topic: Starting to feel like the late 1990s?
Replies: 145
Views: 13179

Re: Starting to feel like the late 1990s?

Your view of him is shaped by your disagreement with his politics and the fact that he has a rather large platform on which to share his views-- and I think you should admit that to yourself. And your views of him are shaped by your politics, which have been made clear by years of posts here. Krugm...
by Index Fan
Sun Jan 28, 2018 10:21 am
Forum: Investing - Help with Personal Investments
Topic: Does anyone not rebalance?
Replies: 66
Views: 4949

Re: Does anyone not rebalance?

I rebalance once every 2-3 years.

I forget where he said it, but Bill Bernstein did some calculating and recommended not rebalancing too often.
by Index Fan
Sun Jan 28, 2018 10:19 am
Forum: Investing - Theory, News & General
Topic: Robert Shiller: Stock Market Like 1928
Replies: 57
Views: 6739

Re: Robert Shiller: Stock Market Like 1928

There's an old joke that goes something like, 'He's called 12 out of the last 3 market drops.'

Nobody knows nothing.
by Index Fan
Sun Jan 28, 2018 10:12 am
Forum: Investing - Theory, News & General
Topic: Starting to feel like the late 1990s?
Replies: 145
Views: 13179

Re: Starting to feel like the late 1990s?

Listening to Nobel winning economists can also derail one's path to wealth. One boastfully declared the market would NEVER recover after the last election. In particular, a Nobel-prize-winning economist that is often lauded here. An excellent example of letting politics interfere with investing. Wh...
by Index Fan
Sat Jan 27, 2018 9:38 am
Forum: Investing - Theory, News & General
Topic: Starting to feel like the late 1990s?
Replies: 145
Views: 13179

Re: Starting to feel like the late 1990s?

Tycoon wrote:
Fri Jan 26, 2018 4:34 pm
Listening to Nobel winning economists can also derail one's path to wealth. One boastfully declared the market would NEVER recover after the last election.
In particular, a Nobel-prize-winning economist that is often lauded here.

An excellent example of letting politics interfere with investing.
by Index Fan
Fri Jan 26, 2018 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Warning on "free" Morningstar trial
Replies: 37
Views: 7335

Re: Warning on "free" Morningstar trial

Nothing makes me shun a company like making me call a CSR on the phone to do something that should be done with a single click on a webpage.
by Index Fan
Fri Jan 26, 2018 11:02 pm
Forum: Investing - Theory, News & General
Topic: Is it likely we return to historical real bond yields?
Replies: 17
Views: 1966

Re: Is it likely we return to historical real bond yields?

Bill Bernstein has written that as societies become wealthier, capital becomes relatively more abundant, and therefore return on capital shrinks. This has been going on for millenia. It could be that the low real yields on TIPS (and high CAPE ratio) are just the latest manifestations of this trend....
by Index Fan
Thu Jan 25, 2018 1:31 am
Forum: Investing - Theory, News & General
Topic: Bogle Interview - “Uneasy lies the head that wears a crown”
Replies: 1
Views: 678

Re: “Uneasy lies the head that wears a crown”

Good long interview.

Bogle reiterated that he thinks a 20% allocation to international stocks is fine.
by Index Fan
Thu Jan 25, 2018 1:12 am
Forum: Personal Finance (Not Investing)
Topic: Working in the real world
Replies: 118
Views: 9245

Re: Working in the real world

I also think many here are completely out of touch with what the average American is earning. I've seen multiple posters state they don't understand how someone could survive on a $100k salary. If you honestly think that you've lost touch. Speaking as someone who has never earned more than half of ...
by Index Fan
Thu Jan 25, 2018 1:08 am
Forum: Investing - Help with Personal Investments
Topic: Should I not have all investments in one place (Vanguard)?
Replies: 5
Views: 771

Re: Should I not have all investments in one place (Vanguard)?

I love and trust Vanguard with the majority of my investment money, but I have an account at another well-known investment firm as well for my operating/emergency money. The idea is if there is a problem with one or the other accounts at these companies, I still have the other to draw upon if I need...
by Index Fan
Thu Jan 25, 2018 1:05 am
Forum: Investing - Help with Personal Investments
Topic: Your bond allocation when you were 48
Replies: 125
Views: 6453

Re: Your bond allocation when you were 48

I was 40% bonds at age 48.
by Index Fan
Sat Jan 20, 2018 8:48 am
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 190
Views: 35198

Re: What's your U.S. : International ratio?

2/3 TSM 1/3 TISM

Been that way for years.
by Index Fan
Wed Jan 17, 2018 10:49 am
Forum: Investing - Theory, News & General
Topic: Was 2017 a unique year for the stock market?
Replies: 11
Views: 2193

Re: Was 2017 a unique year for the stock market?

Yeah, but it all averages out! :)
by Index Fan
Wed Jan 17, 2018 10:48 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Lessons From 2017
Replies: 26
Views: 5610

Re: Larry Swedroe: Lessons From 2017

Wow, Larry is covering all of the myths of investing in this series. Great stuff!
by Index Fan
Wed Jan 17, 2018 9:46 am
Forum: Investing - Theory, News & General
Topic: "Even With Low Returns, Bonds Still Have Their Use"
Replies: 1
Views: 452

Re: "Even With Low Returns, Bonds Still Have Their Use"

Good article- thanks for posting.

Remember, interest rates have had 'nowhere to go but up' for several years now. People often think they can predict the bond market, but 'nobody knows nothing'.
by Index Fan
Tue Jan 16, 2018 8:36 am
Forum: Personal Consumer Issues
Topic: wild bird feed
Replies: 43
Views: 2132

Re: wild bird feed

I use salt-free dry-roasted peanuts (not in shells), safflower seeds (preferred by Finches, Doves, Cardinals, Chickadees) and sunflower hearts or other 'no waste' seeds (often labeled that way) that don't leave husks or uneaten grain behind. I found I did not enjoy raking up all of the waste left on...
by Index Fan
Fri Jan 12, 2018 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: Goodbye Capital One 360!!
Replies: 56
Views: 9047

Re: Goodbye Capital One 360!!

I moved from Capital One to Ally and have been happy with the decision. One thing I've noticed over the years is that businesses who are very good usually don't stay that way. Management is replaced or mucks about with their core success and before you know it, things go downhill. All things change.
by Index Fan
Fri Jan 12, 2018 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Getting father-in-law off of UBS & its 1.5% AUM fee
Replies: 31
Views: 3393

Re: Getting father-in-law off of UBS & its 1.5% AUM fee

1.5% fee? Shark attack!

Sad.

I'd only give my opinion if I were asked for it. Family and money never, ever, mix well.
by Index Fan
Mon Jan 08, 2018 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: Smallest % worth Allocating in your Portfolio
Replies: 30
Views: 2196

Re: Smallest % worth Allocating in your Portfolio

For me, 10% is the smallest I go. If I had a significantly larger account (7 figures +), I'd be tempted to go down to 5%, but like Taylor says, simplicity has a lot going for it.

I do have 10% of my AA in the VG REIT Index.
by Index Fan
Mon Nov 20, 2017 8:16 am
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 95
Views: 17464

Re: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio

Excellent news!

After years of trying complexity, I've come to realize that investing simply has many virtues.
by Index Fan
Sun Oct 22, 2017 9:19 am
Forum: Investing - Theory, News & General
Topic: Why is inflation so low? Moore's law?
Replies: 33
Views: 4872

Re: Why is inflation so low? Moore's law?

Technology seems to be broadly deflationary these days. Correct. I'm reminded of the last half of the 1800's in America when the railroads and telegraph- 19th century high tech- had a deflationary effect that was good for consumers but not necessarily good for employment then. There are a few signi...
by Index Fan
Mon Oct 16, 2017 11:34 am
Forum: Investing - Help with Personal Investments
Topic: VITAX ( vanguard tech fund )
Replies: 9
Views: 789

Re: VITAX ( vanguard tech fund )

Taylor and Mr. Bogle are 100% correct :)
by Index Fan
Sun Oct 15, 2017 5:04 pm
Forum: Investing - Theory, News & General
Topic: What's your asset allocation and why?
Replies: 176
Views: 19975

Re: What's your asset allocation and why?

50/50 AA.

1/3 of equities are international.

Retirement with a pension- my sleep-at-night factor is high.
by Index Fan
Wed Sep 13, 2017 9:26 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 301
Views: 36300

Re: Vanguard Customer Service

Customer service for the masses is generally less-than-stellar across the board. This is the state of things in the world today.
by Index Fan
Tue Sep 12, 2017 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Beyond Equifax: Dealing with ID theft
Replies: 8
Views: 1245

Re: Beyond Equifax: Dealing with ID theft

Very useful!

Another site of interest to the topic-

https://www.schneier.com/
by Index Fan
Fri Sep 08, 2017 2:06 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 59615

Re: Equifax customer information leak

Speaking of Lifelock, I had signed up with them and then canceled the service the following year (years ago). When I contacted them about cancelling, I found that they had entered my name and address incorrectly. All you can do is laugh at this point. Literally everything is broken when it comes to ...
by Index Fan
Sat Sep 02, 2017 8:46 am
Forum: Investing - Theory, News & General
Topic: Robert Kiyosaki - rich dad, poor dad
Replies: 45
Views: 5426

Re: Robert Kiyosaki - rich dad, poor dad

Kiyosaki is the poster child for America's dysfuncional reality when it comes to money.
by Index Fan
Wed Aug 30, 2017 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: How do you know you're not being scammed when buying a house?
Replies: 33
Views: 3779

Re: How do you know you're not being scammed when buying a house?

"When you don't know who the sucker is in the room, it is you."
by Index Fan
Tue Aug 29, 2017 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: Relative angry I will not co-sign
Replies: 90
Views: 9474

Re: Relative angry I will not co-sign

You did the right thing.

If someone is angry that you won't risk your money for them, they are not worth keeping as a friend.

Never, ever, cosign anything.
by Index Fan
Fri Aug 04, 2017 1:36 pm
Forum: Investing - Theory, News & General
Topic: Greenspan: Look Out When Bonds Pop
Replies: 58
Views: 9562

Re: Greenspan: Look Out When Bonds Pop

I think the fracking thing is something of a game changer.
Remember the Peak Oil hysteria?

Julian Simon is smiling somewhere.

The lesson here is, 'nobody knows nothin'. '
by Index Fan
Fri Aug 04, 2017 10:17 am
Forum: Investing - Theory, News & General
Topic: The Rise From 7,000 to 22,000
Replies: 49
Views: 7412

Re: The Rise From 7,000 to 22,000

aristotelian wrote:It doesn't seem so extreme if you think of it as 14,000-22,000 from 2007-2017.
:thumbsup

It's all in the framing.

Have an AA you can live with. Stay the course.
by Index Fan
Fri Jul 28, 2017 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: Should emergency funds be included in AA?
Replies: 45
Views: 3360

Re: Should emergency funds be included in AA?

Don't worry about it, you're good. This is the kind of thing I wondered about before I got bored with investing minutiae.
by Index Fan
Fri Jul 28, 2017 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: GF Picking a college major
Replies: 105
Views: 7195

Re: GF Picking a college major

I was a college dropout after half a year in university right out of high school, floating through life. I spent several years in the lower-paying working world, which gave me the desire to go back to university and get a degree. Ended up with a bachelor's degree with honors and a better-paying care...
by Index Fan
Sat Jul 15, 2017 8:49 am
Forum: Investing - Theory, News & General
Topic: Is now time to move into international stocks?
Replies: 57
Views: 8072

Re: Is now time to move into international stocks?

Have an asset allocation between equities &fixed income and domestic &international that you are comfortable with for the long term.
by Index Fan
Fri Jul 14, 2017 8:31 am
Forum: Personal Finance (Not Investing)
Topic: My first poor Ally Bank experience
Replies: 25
Views: 6360

Re: My first poor Ally Bank experience

I've never needed to talk to anyone at the financial institutions I am a member of. Apparently that's the key to having a positive experience.
by Index Fan
Wed Jul 12, 2017 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Personal loan to a family member
Replies: 114
Views: 9287

Re: Personal loan to a family member

Don't do it unless you would give it as a gift. There are many many stories of money destroying family relationships.