Search found 2270 matches

by Index Fan
Sun Jul 24, 2016 7:33 am
Forum: Investing - Help with Personal Investments
Topic: 20% In REITS?
Replies: 22
Views: 1338

Re: 20% In REITS?

I'm a 'lumper' (owning Total Stock Market, Total International Stock, Total Bond, TIPS) that has a 10% REIT Index holding as a nod to the 'slice n' dice' strategy. I've done this for the past 15 years or so and it's worked out well for diversification (future results may be different yadda yadda).
by Index Fan
Fri Jul 22, 2016 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Where were you financially when you were at 30?
Replies: 217
Views: 20800

Re: Where were you financially when you were at 30?

At 30, I picked up a 2nd job to get out of debt, and I started- in a small manner- to invest. 5 years later, I was a Boglehead.
by Index Fan
Fri Jul 22, 2016 7:03 am
Forum: Personal Finance (Not Investing)
Topic: How many folks choose to give inheritance to their children in unequal portions?
Replies: 141
Views: 8616

Re: How many folks choose to give inheritance to their children in unequal portions?

You often find out what people value by watching them divy up the spoils after the funeral. True. Also, you may be surprised to know that some children who are 'struggling' would resent an even distribution of an inheritance- 'why does HE get as much as I when he has so much and I so little?' Human...
by Index Fan
Tue Jul 05, 2016 5:31 pm
Forum: Investing - Theory, News & General
Topic: "Jane Bryant Quinn: Plan for a long retirement and maybe even a 101st birthday party."
Replies: 66
Views: 6197

Jane Bryant Quinn advocates for a bucket strategy

Interesting- I know Quinn has many fans here. Jane Bryant Quinn: Plan for a long retirement and maybe even a 101st birthday party (Vanguard) https://personal.vanguard.com/us/insights/article/quinn-plan-retirement-062016 The book advocates "bucket" investing. Would you explain what that is ...
by Index Fan
Tue Jul 05, 2016 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Money vs. Happiness
Replies: 94
Views: 10875

Re: Money vs. Happiness

I get a kick out of 'money vs. happiness' threads, because most of the people posting on them are probably among the wealthiest 10-20% of Americans. The working class (and more and more the shrinking middle class) has little scope for such debates. If you can debate this issue, you're better off tha...
by Index Fan
Fri Jun 17, 2016 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Dr. Charges Facilities fee of $300 - what should I do?
Replies: 142
Views: 8247

Re: Dr. Charges Facilities fee of $300 - what should I do?

No wonder the hospital-industrial complex builds 'facilities' the size of cities these days. Last time I went to a hospital, 6 different people saw me, each for a small amount of time, one just to extract as much money as he could out of me. Talk about a going concern. This also illustrates the dang...
by Index Fan
Fri Jun 10, 2016 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: REITs [good investment?]
Replies: 18
Views: 2564

Re: REITs [good investment?]

I've held approximately 10% of my portfolio in the VG REIT Index for the last 15+ years. It has been a solid diversifier and has done well over that time. Since I don't know what the future holds, I'm holding onto my position. This applies to my positions in the Total Stock Market Index, Total Inter...
by Index Fan
Fri Jun 10, 2016 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: Maxed out 457, 403b and Roth IRA, What's next?
Replies: 3
Views: 297

Re: Maxed out 457, 403b and Roth IRA, What's next?

Relax and spend a little on you and yours. You've earned it and if you die before using your investments, you'll have some fond memories.

Moderation in all things.
-Aristotle
by Index Fan
Thu Jun 02, 2016 8:04 am
Forum: Investing - Theory, News & General
Topic: Thank you Taylor Larimore
Replies: 44
Views: 6401

Re: Thank you Taylor Larimore

'There are many roads to Dublin' is an absolute classic. Much of what is debated on his board matters little after you get past the basics such as diversify, buy low-cost funds and having an AA that allows you to sleep comfortably.

Thanks Taylor, for keeping things in perspective.
by Index Fan
Sat Apr 30, 2016 9:04 am
Forum: Investing - Theory, News & General
Topic: McKinsey report on diminishing returns
Replies: 91
Views: 7289

Re: McKinsey report on diminishing returns

Leesbro63 wrote:Savers will save. Spenders will spend and investment returns will be what they will be.


Wise words.
by Index Fan
Sat Apr 30, 2016 9:02 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 151
Views: 11808

Re: Is Vanguard phone support always this bad?

When I patronize a very low cost business, I do not expect Cadillac customer service. I accept this situation because I've rarely needed to use customer service and I've saved a lot in fees over the years.
by Index Fan
Tue Apr 26, 2016 5:26 pm
Forum: Investing - Theory, News & General
Topic: Why Are Real Interest Rates So Low Worldwide?
Replies: 87
Views: 9266

Re: Why Are Real Interest Rates So Low Worldwide?

Of possible interest-

"A Total Game Changer" - From Over-Population To De-Population (Zero Hedge)

http://www.zerohedge.com/news/2016-04-2 ... population
by Index Fan
Tue Apr 26, 2016 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Local Major Bank Recommendations
Replies: 16
Views: 1134

Re: Local Major Bank Recommendations

Best advice is to use locally owned bank or CU where you can get to know management and they can get to know you. Have had Wells Fargo account for almost 40 years until got fed up with their seeming incompetence and now BofA account but still miss the locally owned bank in which I was a very minori...
by Index Fan
Fri Apr 22, 2016 11:00 pm
Forum: Investing - Theory, News & General
Topic: Do you think this is a bad time to enter the market? With the dow at 18,000
Replies: 89
Views: 8477

Re: Do you think this is a bad time to enter the market? With the dow at 18,000

Nobody knows. Really.

You are looking for emotional support for a choice that will be more or less a coin toss.
by Index Fan
Thu Apr 07, 2016 4:00 pm
Forum: Personal Consumer Issues
Topic: I'm Addicted [to investing and personal finance]
Replies: 64
Views: 9146

Re: I'm Addicted

If you're like the typical person here, your addiction will eventually wear off and you'll go back to 'normal'. You may even stop logging on and posting to this forum.
by Index Fan
Tue Apr 05, 2016 9:39 pm
Forum: Investing - Theory, News & General
Topic: Are Bogleheads too conservative?
Replies: 135
Views: 14859

Re: Are Bogleheads too conservative?

I know the details of a few non-Boglehead investors that are friends and family. One is drowning in high fees. Another has seen an actively-managed fund (Janus) lost 1/3 of their money, while the one S&P 500 fund (TRP) they hold has done well. Another lost 90% of his money in the tech bubble cra...
by Index Fan
Sun Mar 27, 2016 7:41 am
Forum: Investing - Theory, News & General
Topic: TIPS Anyone?
Replies: 92
Views: 7790

Re: TIPS Anyone?

Still holding the Vanguard TIPS Fund.
by Index Fan
Sun Mar 13, 2016 10:19 pm
Forum: Investing - Theory, News & General
Topic: Less is more [Vanguard blog - 2% economic growth prediction]
Replies: 41
Views: 5206

Re: Less is more [Vanguard blog - 2% economic growth prediction]

Towards the end of The Birth of Plenty, William J Bernstein discusses the lower growth of mature economies. A great book worth reading.
by Index Fan
Fri Mar 04, 2016 9:38 am
Forum: Investing - Help with Personal Investments
Topic: Do You Give Your Friends Investment Advice?
Replies: 58
Views: 4458

Re: Do You Give Your Friends Investment Advice?

Whenever the topic comes up (pretty rarely), I'll say "I have my investments in Vanguard index funds. They are very low cost and costs matter a lot. I own both stock funds and bond funds so that I can sleep well, and owning broad markets mean I get market returns. Most active investors don't be...
by Index Fan
Thu Mar 03, 2016 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Is An Online Savings Account A No-Brainer?
Replies: 27
Views: 3776

Re: Is An Online Savings Account A No-Brainer?

I have a brick-and-mortar checking account bank (with some extra cash in it just in case) a short drive from my residence, but everything else including my savings account is online. In the many years I've done this I haven't had a problem yet.
by Index Fan
Thu Mar 03, 2016 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Savings Bond Refund gotcha
Replies: 11
Views: 1413

Re: Savings Bond Refund gotcha

Sorry to hear about your troubles. I took part of my refund in paper I-bonds when I filed electronically and received them 13 days later in the mail.
by Index Fan
Wed Mar 02, 2016 10:02 pm
Forum: Investing - Theory, News & General
Topic: Where Are the Customer Yachts ? - two books ?
Replies: 13
Views: 1655

Re: Where Are the Customer Yachts ? - two books ?

This is the best title ever for a book about investing.
by Index Fan
Wed Mar 02, 2016 9:55 pm
Forum: Investing - Theory, News & General
Topic: Gold / Silver - small tactical allocation?
Replies: 44
Views: 3428

Re: Gold / Silver - small tactical allocation?

Having a modest amount of precious metals- particularly in jewelry or 'junk' coins- helped people in Argentina when their economy collapsed in 2001. From someone who lived through it: http://www.amazon.com/Modern-Survival-Manual-Surviving-Economic/dp/9870563457/ref=sr_1_1 Argentina was once one of t...
by Index Fan
Mon Feb 22, 2016 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Mr Money Mustache Article (New Yorker)
Replies: 94
Views: 12955

Re: Mr Money Mustache Article (New Yorker)

duplicate post- delete
by Index Fan
Mon Feb 22, 2016 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Mr Money Mustache Article (New Yorker)
Replies: 94
Views: 12955

Re: Mr Money Mustache Article (New Yorker)

duplicate post- delete
by Index Fan
Mon Feb 22, 2016 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Mr Money Mustache Article (New Yorker)
Replies: 94
Views: 12955

Re: Mr Money Mustache Article (New Yorker)

Index Fan wrote:
greg24 wrote:I retired at 33. Since then, I have worked full time in IT for "fulfillment".



:mrgreen:




Before MMM came along, living on 24k would have been ridiculed and laughed at on this board. Now people aspire to it. FUnny how times change, but the world is a very different place now.
by Index Fan
Mon Feb 22, 2016 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Mr Money Mustache Article (New Yorker)
Replies: 94
Views: 12955

Re: Mr Money Mustache Article (New Yorker)

duplicate post - delete
by Index Fan
Sat Feb 20, 2016 9:25 am
Forum: Investing - Theory, News & General
Topic: Madoff--Ponzi Scheme
Replies: 37
Views: 4538

Re: Madoff--Ponzi Scheme

And $2.5M doesn't go very far in Manhattan.


Move.
by Index Fan
Sat Feb 20, 2016 8:52 am
Forum: Investing - Theory, News & General
Topic: Madoff--Ponzi Scheme
Replies: 37
Views: 4538

Re: Madoff--Ponzi Scheme

IMHO Madoff didn't think long-term (most criminals don't). He received respect and accolades for his alleged outperforming of the market, which fulfilled some deep-seated emotional need inside him.
by Index Fan
Sat Feb 20, 2016 8:49 am
Forum: Investing - Theory, News & General
Topic: Book Recommendation for New Investor
Replies: 24
Views: 2726

Re: Book Recommendation for New Investor

The Bogleheads' Guide to Investing is pure gold for those who have some basic knowledge about investing.

For very basic books introducing the concept of investing, The Wealthy Barber is solid.
by Index Fan
Sat Feb 20, 2016 8:45 am
Forum: Investing - Theory, News & General
Topic: Active or Passive bond funds through Vanguard?
Replies: 6
Views: 1014

Re: Active or Passive bond funds through Vanguard?

I'd say they add little value versus passive funds. But the low cost aspect is the most important factor in selecting Vanguard bond funds.
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: 53
Views: 6085

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: 2311

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: 20
Views: 4398

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: 1166

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: 57
Views: 6711

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: 16181

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: 4379

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: 63
Views: 6831

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: 9040

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: 8884

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: 40
Views: 4172

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: 963

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: 4563

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: 81
Views: 6468

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: 1493

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: 3712

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.

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