Search found 1271 matches

by John3754
Tue Nov 24, 2015 7:32 pm
Forum: Personal Consumer Issues
Topic: Beer Growler, how long will it keep unopend?
Replies: 16
Views: 2130

Re: Beer Growler, how long will it keep unopend?

Depends on how it was filled. A sanitized growler purged and filled from the bottom with a counter pressure filler will be very shelf stable, a growler filled from the top from a dirty bar tap will not be very shelf stable.
by John3754
Thu Nov 05, 2015 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Friend wants to compare advisor to Vanguard, am I making the appropriate comparisons?
Replies: 19
Views: 1642

Re: Friend wants to compare advisor to Vanguard, am I making the appropriate comparisons?

I'm not trying to "convert" my friend or convince him of anything. He came to me asking if I could help him set up a taxable account with Vanguard b/c he's already skeptical that the advisor is worth the fees and he wants to do his own comparison. He does not believe there's any sort of &...
by John3754
Thu Nov 05, 2015 9:51 am
Forum: Investing - Help with Personal Investments
Topic: Friend wants to compare advisor to Vanguard, am I making the appropriate comparisons?
Replies: 19
Views: 1642

Re: Friend wants to compare advisor to Vanguard, am I making the appropriate comparisons?

GFACX and TAICX?? These funds both have very high (~1.5%) ERs mainly because they have 1% 12b1 fees kicked back to the salesman/"advisor" annually. So with the 1% AUM fee, the "advisor" is going to be draining off 2%/year for himself straight out of your friend's investment acco...
by John3754
Thu Nov 05, 2015 7:24 am
Forum: Investing - Help with Personal Investments
Topic: Friend wants to compare advisor to Vanguard, am I making the appropriate comparisons?
Replies: 19
Views: 1642

Friend wants to compare advisor to Vanguard, am I making the appropriate comparisons?

A friend of mine has been investing with an advisor and paying a 1% AUM fee for the privilege of doing so. He is interested in doing some investing on his own with Vanguard to compare the results and see for himself if the advisor is worth the fees. I explained to him that in order for the results o...
by John3754
Tue Nov 03, 2015 11:41 am
Forum: Personal Consumer Issues
Topic: Protein Bars and Smoothies
Replies: 61
Views: 3794

Re: Protein Bars and Smoothies

Also where did you get the number 20 grams for the amount of protein you need? Are you trying to build muscle? 20 grams of protein in one snack is a lot of protein considering you'll most likely be eating meals that contain protein throughout the day? I found that my meals didn't have much protein....
by John3754
Mon Nov 02, 2015 8:32 pm
Forum: Investing - Theory, News & General
Topic: November I Bond Interest Rate Thread! [fixed goes from 0% to 0.10%]
Replies: 43
Views: 4635

Re: November I Bond Interest Rate Thread! [fixed goes from 0% to 0.10%]

I like the way people get all excited about this (or disappointed if they've already purchased their allotment) when we're talking about a difference of $10 in interest per year on $10k of I Bonds.
by John3754
Mon Nov 02, 2015 8:10 pm
Forum: Personal Consumer Issues
Topic: Protein Bars and Smoothies
Replies: 61
Views: 3794

Re: Protein Bars and Smoothies

Toons wrote:I don't know what is in them,
I like Cliff Bars :happy


Lots of sugar.
by John3754
Sun Nov 01, 2015 1:18 pm
Forum: Investing - Theory, News & General
Topic: "I" Bonds [Interest rate?]
Replies: 12
Views: 1907

Re: "I" Bonds [When does interest rate take effect?]

Meh, I don't really see it as a "bummer". If you own I bonds with a fixed rate of 0% then your real (pretax) return is always going to be 0% regardless of what the nominal return is. If inflation is 0% (or negative) then you receive a nominal return of 0%. If inflation is say, 2%, then tha...
by John3754
Sat Oct 31, 2015 12:04 pm
Forum: Investing - Theory, News & General
Topic: How much International Exposure?
Replies: 56
Views: 5878

Re: How much International Exposure?

am wrote:Not sure why this is a debate?


It's a debate on this site because of Jack Bogle's opinion on the subject.
by John3754
Fri Oct 30, 2015 9:26 am
Forum: Investing - Theory, News & General
Topic: Invest in cattle futures?
Replies: 51
Views: 3491

Re: Invest in cattle futures?

Why do you believe that cattle are "the next big thing"?
by John3754
Sun Oct 25, 2015 1:35 pm
Forum: Investing - Theory, News & General
Topic: "Bogle: Tough Decade Ahead for Equity Investors"
Replies: 135
Views: 15790

Re: "Bogle: Tough Decade Ahead for Equity Investors"

One could argue that, though people said that 5 years ago and those that ignored them made some money in bonds what am I missing? Vanguard TSM 5 year performance = 13.28% Vanguard TBM 5 year performance = 2.98% Inflation since '10? The fact that for 5 years people have been predicting that bonds ar...
by John3754
Fri Oct 23, 2015 11:40 pm
Forum: Investing - Theory, News & General
Topic: Peanut returns [why not try stock picking?]
Replies: 61
Views: 6758

Re: Peanut returns

What ever happened to your roulette strategy?
by John3754
Fri Oct 23, 2015 9:18 am
Forum: Investing - Theory, News & General
Topic: Thank you Bogleheads!
Replies: 7
Views: 1314

Re: Thank you Bogleheads!

33% REIT?!
by John3754
Thu Oct 22, 2015 6:13 pm
Forum: Investing - Theory, News & General
Topic: "Bogle: Tough Decade Ahead for Equity Investors"
Replies: 135
Views: 15790

Re: "Bogle: Tough Decade Ahead for Equity Investors"

Big Dog wrote:of course, one could argue that it will also be a tough decade for bond investors....interest rates can only go up....


You sure about that?

http://www.bloomberg.com/news/articles/ ... experiment
by John3754
Sun Oct 18, 2015 1:05 pm
Forum: Investing - Theory, News & General
Topic: Bogle`s opinion of ETFS
Replies: 6
Views: 650

Re: Bogel`s opion of ETF`S

Is there any indication that large index-based ETFs are used as speculative tools? Yes, the enormous turnover. I heard Bogle say in one interview from 2013 that SPY turns over 7,500% a year. And even if they are, is there any real concern to a longterm holder of the ETF? No, according to Bogle this...
by John3754
Sun Oct 18, 2015 12:34 pm
Forum: Investing - Theory, News & General
Topic: Bogle`s opinion of ETFS
Replies: 6
Views: 650

Re: Bogel`s opion of ETF`S

I've seen him say in interviews that he believes they encourage speculative trading as you say.

Also, its spelled Bogle, not Bogel.
by John3754
Sun Oct 18, 2015 12:27 pm
Forum: Investing - Theory, News & General
Topic: Eliminate International?
Replies: 78
Views: 6430

Re: Correction

If only you could tell me what the next 15 years will look like. Who knows, but unless you have some good reason to believe that it will do much better, why invest in something like this? We're talking 15 years where you went nowhere after adjusting for taxes and inflation. Life is too short for th...
by John3754
Sun Oct 18, 2015 11:40 am
Forum: Investing - Theory, News & General
Topic: Eliminate International?
Replies: 78
Views: 6430

Re: Correction

International such as Vanguard Total Intl was recently back to what it was 15 years ago. Quite frightening. This statement is incorrect. $10,000 invested in Vanguard Total International Index Fund (VGTSX) 15-year's ago is now worth approximately $15,000--a 50% increase. http://performance.morningst...
by John3754
Wed Oct 14, 2015 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: Use Cd's in IRA instead of bonds
Replies: 37
Views: 3318

Re: Use Cd's in IRA instead of bonds

CDs are a fine option, but nobody knows which will be better as knowing this would require the ability to tell the future.
by John3754
Sat Oct 10, 2015 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: EE Bonds as asset allocation?
Replies: 10
Views: 748

Re: EE Bonds as asset allocation?

singlephoton wrote:If you buy $10k EE Bonds with intention to hold for 20 years, do you count it as $10k or $20k in your bond allocation?


They should be counted as what they're worth now, not what they're worth 20 years from now.
by John3754
Sat Oct 10, 2015 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: EE Bonds as asset allocation?
Replies: 10
Views: 748

Re: EE Bonds as asset allocation?

If you don't count them you're just practicing mental accounting/trying to fool yourself into believing something is true that isn't.
by John3754
Sat Oct 10, 2015 3:21 pm
Forum: Personal Consumer Issues
Topic: Thinking of quitting job for a year of travel
Replies: 59
Views: 5449

Re: Thinking of quitting job for a year of travel

What field of work are you in? What will you say when you're asked why there's a gap in your resume?
by John3754
Fri Oct 09, 2015 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: Fund to buy before Backdoor Roth conversion
Replies: 5
Views: 405

Re: Fund to buy before Backdoor Roth conversion

Why are you waiting two weeks instead of converting immediately?
by John3754
Fri Oct 09, 2015 7:05 am
Forum: Personal Consumer Issues
Topic: Tipping at a Barbershop
Replies: 54
Views: 4995

Re: Tipping at a Barbershop

I bought professional quality clippers (the same ones the barber uses) 20 years ago for $50 and haven't paid for a haircut since.
by John3754
Thu Oct 08, 2015 9:48 pm
Forum: Investing - Help with Personal Investments
Topic: buying more shares when market goes down
Replies: 23
Views: 1743

Re: buying more shares when market goes down

Who said you shouldn't buy more shares in a bear market? Where did you read that?
by John3754
Thu Oct 08, 2015 7:56 pm
Forum: Investing - Theory, News & General
Topic: Mr. Market gives a lesson in Volatility
Replies: 23
Views: 2277

Re: Mr. Market gives a lesson in Volatility

Ah, but what about going back before September to mid-August when things were even higher than at the beginning of September? http://i57.tinypic.com/oaomdy.jpg Can you identify the RBDs in the above chart? :) I was slaughtered in August. I have recovered roughly 50% from then. But the 1 month vs. 1...
by John3754
Wed Oct 07, 2015 5:58 pm
Forum: Personal Consumer Issues
Topic: Trouble with family thinking we have more money than we do
Replies: 87
Views: 9532

Re: Trouble with family thinking we have more money than we do

Live your life the way you want and ignore what other people think, yes even your own family.
by John3754
Tue Oct 06, 2015 7:00 pm
Forum: Personal Consumer Issues
Topic: Health and how you live your life
Replies: 15
Views: 1864

Re: Health and how you live your life

dubsem wrote:Live life how you need to, not how you think you want to.


What does this even mean?
by John3754
Sat Oct 03, 2015 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with $40,000?
Replies: 8
Views: 1184

Re: What to do with $40,000?

not enough info to give a meaningful answer.
by John3754
Wed Sep 30, 2015 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: Difference in risk between S&P 500 dividend and CD?
Replies: 38
Views: 2504

Re: Difference in risk between S&P 500 dividend and CD?

If all I want is a 2% from my investment over the next 5 years, is there really a significant difference in risk between the dividend from an S&P 500 index ETF like VOO or SPY and a 5 year CD at Ally Bank? I realize the word significant is open to interpretation. Yes. It is a pretty large diffe...
by John3754
Wed Sep 30, 2015 7:30 am
Forum: Investing - Help with Personal Investments
Topic: Difference in risk between S&P 500 dividend and CD?
Replies: 38
Views: 2504

Re: Difference in risk between S&P 500 dividend and CD?

The difference is FDIC insurance of zero nominal loss vs no guarantee of anything and the possibility of large nominal losses.
by John3754
Mon Sep 28, 2015 6:36 pm
Forum: Investing - Theory, News & General
Topic: Why not take their advice?
Replies: 59
Views: 4868

Re: Why not take their advice?

It may be ridiculous to some, but John Bogle invests the same way. Actually no, this is not how he invests his own money. I've heard him discuss his portfolio and he uses a number of different things including corporate bonds, municipal bonds, and actively managed funds. He also practices some degr...
by John3754
Mon Sep 28, 2015 5:46 pm
Forum: Investing - Theory, News & General
Topic: Why not take their advice?
Replies: 59
Views: 4868

Re: Why not take their advice?

There's a lot of good stuff here. I haven't read them all yet, but I always learn from you all. Thanks for sharing your thoughts and putting up with me. Even I get exhausted. :oops: I thought I was the only one getting exhausted! :D I am starting to think you are often conflicted about your portfol...
by John3754
Sun Sep 27, 2015 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: Tax free bond allocation..
Replies: 8
Views: 436

Re: Tax free bond allocation..

What tax bracket are you in?
by John3754
Sun Sep 27, 2015 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: Tax free bond allocation..
Replies: 8
Views: 436

Re: Tax free bond allocation..

Not enough info to give a meaningful answer.
by John3754
Sun Sep 27, 2015 10:30 am
Forum: Investing - Theory, News & General
Topic: Why not take their advice?
Replies: 59
Views: 4868

Re: Why not take their advice?

Argument from authority is a common logical fallacy, and this is a perfect example of it.
by John3754
Sat Sep 26, 2015 1:09 pm
Forum: Investing - Theory, News & General
Topic: I feel like going 100% Bonds, but am staying the course
Replies: 85
Views: 8060

Re: I feel like going 100% Bonds, but am staying the course

I also have made it through craziness of the market lately by doing nothing. It is only my second time to be able to do that, but I am happy I can do nothing and I look forward to being able to rebalance and buy more stocks when my asset allocation goes to 5% change. I think I might be able to stay...
by John3754
Fri Sep 25, 2015 6:31 pm
Forum: Investing - Help with Personal Investments
Topic: State Specific Muni Bond Fund after moving to new state ?
Replies: 8
Views: 515

Re: State Specific Muni Bond Fund after moving to new state ?

Fat-Tailed Contagion wrote:I had an OH LT Tax Exempt Bond Fund and moved to a new state.

I was told I could no longer reinvest dividends and capital gains in this fund.


Whoever told you that is wrong.
by John3754
Thu Sep 24, 2015 10:21 am
Forum: Investing - Theory, News & General
Topic: I feel like going 100% Bonds, but am staying the course
Replies: 85
Views: 8060

Re: I feel like going 100% Bonds, but am staying the course

You're here posting once a week about how you want to pull out of stocks. To be honest this does not bode well, what's going to happen when stocks drop 30%?
by John3754
Mon Sep 21, 2015 8:01 pm
Forum: Investing - Theory, News & General
Topic: Vanguard ups international to 40% of equity in 529 portfolios
Replies: 6
Views: 1075

Re: Vanguard ups international to 40% of equity in 529 portfolios

If you dont like the way they manage the "all-in-one" funds then why not use something else?
by John3754
Sun Sep 20, 2015 8:12 pm
Forum: Investing - Theory, News & General
Topic: Balanced Index Funds
Replies: 21
Views: 2762

Re: "Fund junkies" ?

Of course, Bogleheads are fund junkies, and love two, three, four or more funds, tweaking them as desired. Bogleheads: The Boglehead Philosophy stresses Simplicity and Stay-the-course . Best wishes. Taylor I am aware of that. However, for many Bogleheads, holding three or four or five funds is &quo...
by John3754
Sun Sep 20, 2015 10:58 am
Forum: Investing - Theory, News & General
Topic: Talk me off the Ledge
Replies: 73
Views: 6899

Re: Talk me off the Ledge

obgyn65 wrote:I prefer CDs to bonds because of the predictability of CDs income, which is of utmost importance to me.


Wouldn't TIPS provide a more predictable real income than CDs?
by John3754
Sun Sep 20, 2015 10:47 am
Forum: Investing - Theory, News & General
Topic: Balanced Index Funds
Replies: 21
Views: 2762

Re: Balanced Index Funds

Just buy the two funds in the proportion that you want, it's not that difficult to manage a portfolio of two funds.
by John3754
Sun Sep 20, 2015 8:13 am
Forum: Investing - Theory, News & General
Topic: Talk me off the Ledge
Replies: 73
Views: 6899

Re: Talk me off the Ledge

Thanks again folks and thanks for putting up with my erratic behavior of late. I think of the late Peter Bernstein who wrote one of my favorite articles entitled the 60/40 solution. Unfortunately a couple of years later, he took back what he said in the wonderful article and became a market timer. ...
by John3754
Fri Sep 18, 2015 9:40 am
Forum: Investing - Theory, News & General
Topic: Talk me off the Ledge
Replies: 73
Views: 6899

Re: Talk me off the Ledge

Didn't you recently switch to a higher equity allocation, and then shortly after panic and switch back because you couldn't sleep at night?

THAT is why you shouldn't switch to a higher equity allocation again.
by John3754
Mon Sep 14, 2015 10:29 pm
Forum: Personal Consumer Issues
Topic: McDonald's has good coffee: McDonalds has Senior Coffee
Replies: 92
Views: 10639

Re: TheGreyingDuke

My taste has migrated to mild coffee with no additives. Which is a problem with my wife, who wants dark roast with high caffeine, tempered by lots of sugar and cream. Plain MacD's is perfect for me.L. The implication here is that dark roast has more caffeine than light roast; the darkness of the ro...
by John3754
Mon Sep 14, 2015 6:42 pm
Forum: Personal Consumer Issues
Topic: How does Merril Lynch make money off of me?
Replies: 14
Views: 2002

Re: How does Merril Lynch make money off of me?

The expense ratios on the funds.
by John3754
Mon Sep 14, 2015 6:13 pm
Forum: Personal Consumer Issues
Topic: Relocation to Portland, OR -- Housing
Replies: 20
Views: 2282

Re: Relocation to Portland, OR -- Housing

I'm interested in the Portland area as well but am a little concerned about the reports I'm seeing about problems with violent crime. It seems there have been over 100 shootings in the city so far this year. I don't mean to hijack the thread but thought any comments that posters may have on this mig...
by John3754
Sat Sep 12, 2015 5:22 pm
Forum: Investing - Theory, News & General
Topic: Why Your Safe Withdrawal Rate is Probably Wrong
Replies: 123
Views: 14124

Re: Why Your Safe Withdrawal Rate is Probably Wrong

Even if you started by taking all your withdrawals from stocks it would likely make little difference in your outcome. I must admit, this is where you lose me. You're claiming that SWR doesn't apply to you because you're only withdrawing from CDs from 70 to 85 and not withdrawing "across the b...

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