Search found 5855 matches

by Phineas J. Whoopee
Mon Feb 27, 2017 4:11 pm
Forum: Investing - Theory, News & General
Topic: Technical Analysis
Replies: 36
Views: 1480

Re: Technical Analysis

... It is more than just seeing patterns, it also involved the positive reinforcement of occasionally being right just by random chance. A famous psychological study found that when pigeons were given food at random times in a test environments that they could become "superstitious pigeons&quo...
by Phineas J. Whoopee
Mon Feb 27, 2017 3:19 pm
Forum: Investing - Theory, News & General
Topic: Compounding under the microscope.
Replies: 53
Views: 3896

Re: Compounding under the microscope.

My early math education, in a school district that rejected new math when it came out, was terrible. It was entirely based on memorizing tables. Even if we got the right answer we were penalized for, as they said and I well remember the admonishments, "counting on our fingers," also known ...
by Phineas J. Whoopee
Mon Feb 27, 2017 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: Should we wait before buying in?
Replies: 52
Views: 4471

Re: Should we wait before buying in?

"If investors are leery of putting all their money in the market, then they have the wrong asset allocation." Why do people keep saying this? It is not true! I am happy and comfortable with my 60/40, but I am not adding money to this market right now because I believe there is much greate...
by Phineas J. Whoopee
Sun Feb 26, 2017 11:32 pm
Forum: Personal Consumer Issues
Topic: Sellers disclosure form has sections not marked
Replies: 24
Views: 1404

Re: Sellers disclosure form has sections not marked

... A buyer's agent has 'fiduciary' duty to you , nominally, but he cannot be held liable for what he does not know, so it's in his interest to not know the facts here, and be in a position where he should advise you against this house. He only gets paid if and when you close. He would happily lead...
by Phineas J. Whoopee
Sun Feb 26, 2017 10:46 pm
Forum: Personal Consumer Issues
Topic: Do Boglehead DIY or Pay a Professional?
Replies: 56
Views: 3051

Re: Do Boglehead DIY or Pay a Professional?

I DIM where I have the expertise, like for example in personal finance and investing. I DDIM (Don't' Do It Myself) where I don't. A recent thread asked whether we do our own electrical work. Not only don't I, even though I have some long-ago training and remember enough to keep one hand in my pocket...
by Phineas J. Whoopee
Sun Feb 26, 2017 9:37 pm
Forum: Personal Consumer Issues
Topic: Sellers disclosure form has sections not marked
Replies: 24
Views: 1404

Re: Sellers disclosure form has sections not marked

The agent is an agent, but is not your agent. The person is the seller's agent, and owes a fiduciary duty to the seller. You can tell because whoever it was told you their service was free. If you have an agent you have to pay them. I suggest you immediately withdraw the offer. Alternatively, if you...
by Phineas J. Whoopee
Sun Feb 26, 2017 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: House as Temporary Pseudo-Proxy for Bonds
Replies: 37
Views: 1459

Re: House as Temporary Pseudo-Proxy for Bonds

Some classes of bonds have a strong tendency for positive returns in bear markets. Having bonds go up while stocks go down can be ideal for rebalancing. The house is likely to decline in value in a bear market. It might offer a buffer but does not fully replace bonds. And of course for maximum dive...
by Phineas J. Whoopee
Sun Feb 26, 2017 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: Should we wait before buying in?
Replies: 52
Views: 4471

Re: Should we wait before buying in?

... Also, I don't think the VG MM is FDIC insured. ... Hi Helen, and welcome to the forum. You're right. No mutual fund is FDIC insured, including money market funds . It gets confusing because banks offer money market accounts , which are normal deposit vehicles and are insured by the FDIC. PJW
by Phineas J. Whoopee
Sun Feb 26, 2017 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Should we wait before buying in?
Replies: 52
Views: 4471

Re: Should we wait before buying in?

... Thanks in advance to anyone who contributes their thoughts on this. Hi Ginnysky, and welcome to the forum. Your question comes up frequently here. Let me add my perspective, rather than engage in fights with other posters in your inaugural thread. Presumably, before the move, you were invested ...
by Phineas J. Whoopee
Sun Feb 26, 2017 1:19 pm
Forum: Investing - Theory, News & General
Topic: Compounding under the microscope.
Replies: 53
Views: 3896

Re: Compounding under the microscope.

The real point is why it is so difficult to provide mathematics education that extends to some of these ideas that come up with such frequency on phenomena of every day importance. Sometimes the teaching of this subject is provided. However, learning can be problematic. If one student fails to lear...
by Phineas J. Whoopee
Sun Feb 26, 2017 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: What Amount of My Bonds Should Be I Bonds?
Replies: 10
Views: 1121

Re: What Amount of My Bonds Should Be I Bonds?

I think that after your first purchase of any I-bonds that you will hate treasurydirect.gov web site and never buy anymore I-bonds. You really don't need them at all. Right, because everyone responds to the website like livesoft does. I personally think it's a little clunky, but it gets the job don...
by Phineas J. Whoopee
Sun Feb 26, 2017 12:51 pm
Forum: Investing - Theory, News & General
Topic: Asset Markets as Banks
Replies: 3
Views: 234

Re: Asset Markets as Banks

The article reminds me of what a former boss of mine used to say about the conclusions of the meetings he spent much of his time attending: "We will do those things that are good, avoid those things that are bad, and proceed on that basis."
PJW
by Phineas J. Whoopee
Sun Feb 26, 2017 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: VEXAX or VIIIX? [Vanguard Extended Market or Institutional Index]
Replies: 2
Views: 183

Re: VEXAX or VIIIX? [Vanguard Extended Market or Institutional Index]

Hi H_and_G, and welcome to the forum. I agree with LadyGeek, and will put some of her points a different way, plus add my own. By mixing Vanguard's Institutional Index Fund , VIIIX, at 80%, with their Extended Market Index Fund , VEXAX, at 20%, you will hold approximately the capitalization-weighted...
by Phineas J. Whoopee
Sun Feb 26, 2017 11:37 am
Forum: Investing - Theory, News & General
Topic: Technical Analysis
Replies: 36
Views: 1480

Re: Technical Analysis

At a time, like now, when stocks have been moving generally, but not constantly, upward for eight years, anything anybody did that kept them in the market was likely to make them money. Alls I know is I've been making money, therefore what I have been doing works. I think that's the dynamic. We've s...
by Phineas J. Whoopee
Sat Feb 25, 2017 10:40 pm
Forum: Investing - Help with Personal Investments
Topic: What Amount of My Bonds Should Be I Bonds?
Replies: 10
Views: 1121

Re: What Amount of My Bonds Should Be I Bonds?

I have no $ or % answer. To the extent you have already maxed out your tax-advantaged accounts, like 401(k), 403(b), IRA, Roth IRA, HSA, or whatever, and you have still more to invest, US Savings Bonds, Series I or Series EE , are a possibility. Unless you choose otherwise the interest is tax-deferr...
by Phineas J. Whoopee
Sat Feb 25, 2017 9:25 pm
Forum: Investing - Theory, News & General
Topic: Compounding under the microscope.
Replies: 53
Views: 3896

Re: Compounding under the microscope.

And on that, dbr, we completely agree.
PJW
by Phineas J. Whoopee
Sat Feb 25, 2017 9:05 pm
Forum: Investing - Theory, News & General
Topic: Compounding under the microscope.
Replies: 53
Views: 3896

Re: Compounding under the microscope.

... Zeno, around 450 BC, apparently did not understand geometric series. Zeno of Elea 's point was the reasoning they were using clearly was wrong, therefore they'd better think of something else. In particular it had to do with whether not-yet-named physics was continuous or discrete. He simply us...
by Phineas J. Whoopee
Sat Feb 25, 2017 8:17 pm
Forum: Personal Consumer Issues
Topic: Where to buy non-US OTC medication and have it shipped to the US?
Replies: 3
Views: 431

Re: Where to buy non-US OTC medication and have it shipped to the US?

In the US bromhexine is a Schedule 3 controlled substance. You'll have trouble importing it legally.

Is there a problem with getting a prescription, if the medication is what you need?

PJW
by Phineas J. Whoopee
Sat Feb 25, 2017 7:43 pm
Forum: Investing - Theory, News & General
Topic: Please vote on the wisest decision
Replies: 49
Views: 2774

Re: Please vote on the wisest decision

"Pay yourself first" would be difinitly my approach as well if i didn't find YNAB! But that is a different story anyways. Would like to ask u something, money market fund in a roth ira is not FDIC insured, right? Does this makes it more risky than saving in a FDIC account? BogleMelon, The...
by Phineas J. Whoopee
Sat Feb 25, 2017 7:09 pm
Forum: Personal Consumer Issues
Topic: Trip to Savannah GA
Replies: 32
Views: 1771

Re: Trip to Savannah GA

Be sure to visit the Second African Baptist Church. And make a donation.
PJW
by Phineas J. Whoopee
Sat Feb 25, 2017 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: Can somebody please explain brokerage accounts at Vanguard?
Replies: 23
Views: 2364

Re: Can somebody please explain brokerage accounts at Vanguard?

First convert the funds. Then deploy them as you like.
PJW
by Phineas J. Whoopee
Sat Feb 25, 2017 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: Bogleheads' Philosophy a Generalization?
Replies: 52
Views: 2596

Re: Bogleheads' Philosophy a Generalization?

... I see funds that have been consistently beating the index. Doesn't mean they will do that tomorrow. I see funds' performance move slowly, I have a tax advantaged account. I don't think I can "beat the market" other than make adjustments as needed. Why not try with some % of the portfo...
by Phineas J. Whoopee
Sat Feb 25, 2017 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: "Simple" question about compounding
Replies: 18
Views: 1259

Re: "Simple" question about compounding

I agree with Paul, but if I may add, even if one doesn't start young it's still a good thing to begin saving for retirement. The start-young argument doesn't convince many 45-year-olds in my experience, but does put them off. I remember one colleague in particular who said the calculators told h/er/...
by Phineas J. Whoopee
Sat Feb 25, 2017 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Allocation - International Stock
Replies: 4
Views: 568

Re: Vanguard Allocation - International Stock

Hi IJJ, and welcome to the forum. There is no Bogleheads consensus on the percentage, if any, of international stock to hold. Common recommendations are anywhere between zero and the proportional market capitalization of the whole world's stock exchanges, in which international stock today is around...
by Phineas J. Whoopee
Sat Feb 25, 2017 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: VFIJX - GNMA Admiral - SEC Yield jumped?
Replies: 16
Views: 912

Re: VFIJX - GNMA Admiral - SEC Yield jumped?

dm200 wrote:I see now it jumped to 2.83%, even while NAV went up as well?

Mortgage-backed securities have prepayment risk, and therefore negative convexity. It's incorrect to model them like simple Treasuries.
PJW
by Phineas J. Whoopee
Sat Feb 25, 2017 1:52 pm
Forum: Investing - Theory, News & General
Topic: Questions about how Bond ETFs work
Replies: 10
Views: 689

Re: Questions about how Bond ETFs work

... What I cannot understand is what happens once the bonds reach maturity, do they get replaced by other bonds at the market value of that day? ... Different bond ETFs, and for that matter mutual funds, handle it differently. Most do not hold the bonds to maturity. There comes a point where the re...
by Phineas J. Whoopee
Sat Feb 25, 2017 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Can somebody please explain brokerage accounts at Vanguard?
Replies: 23
Views: 2364

Re: Can somebody please explain brokerage accounts at Vanguard?

To add to livesoft's remarks, one can just as easily use money in the settlement fund to buy Vanguard mutual funds in the brokerage account. Merely having one doesn't force a person into ETFs. Of course they are available, if someone prefers them. Not long ago I used $0.89 in settlement to buy a tin...
by Phineas J. Whoopee
Fri Feb 24, 2017 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: Bear-Proof Bond Allocation
Replies: 12
Views: 1339

Re: Bear-Proof Bond Allocation

... So what is the better strategy for accomplishing my goals? I am not wedded to this idea, but I have not heard a good reason to choose VBMFX over VFITX, especially in my case where I am already getting exposure to corporate bonds in Wellesley. Some posters like to tell people what to do without ...
by Phineas J. Whoopee
Fri Feb 24, 2017 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: Bear-Proof Bond Allocation
Replies: 12
Views: 1339

Re: Bear-Proof Bond Allocation

I already drew a distinction between Treasuries in particular, and intermediate-term investment-grade bonds in general for which you originally made the claim. Yes, sometimes there is a flight to quality. It isn't reliable. You can't build a successful strategy on the assumption it happens every tim...
by Phineas J. Whoopee
Fri Feb 24, 2017 9:19 pm
Forum: Personal Consumer Issues
Topic: Train Trip
Replies: 17
Views: 1358

Re: Train Trip

... PJW, the problem with taking the Coast Starlight from San Francisco to Seattle is that it goes through the Cascades in the middle of night (both ways), so you really don't see anything, at least that's been my experience. One of my fondest memories is watching Mt. Shasta by moonlight, as we slo...
by Phineas J. Whoopee
Fri Feb 24, 2017 9:11 pm
Forum: Personal Consumer Issues
Topic: Train Trip
Replies: 17
Views: 1358

Re: Train Trip

Do most packages allow the people to get off the train and stay at a hotel overnight? Or are you sleeping in the train every single day? Thinking further, and taking your where-do-I-sleep concern and your period-of-time constraint into account, you could fly to Denver and spend a night there, pick ...
by Phineas J. Whoopee
Fri Feb 24, 2017 8:04 pm
Forum: Personal Consumer Issues
Topic: Train Trip
Replies: 17
Views: 1358

Re: Train Trip

Do most packages allow the people to get off the train and stay at a hotel overnight? Or are you sleeping in the train every single day? For that I think you should visit amtrak.com . When I was engaging in my major US rail travel there were packages based on eastern, midwest, and western regions a...
by Phineas J. Whoopee
Fri Feb 24, 2017 7:31 pm
Forum: Investing - Theory, News & General
Topic: Market Run Ups - Now vs. Then
Replies: 76
Views: 4325

Re: Market Run Ups - Now vs. Then

... But the all-in-one funds like VBINX don't rebalance on a daily basis, do they? I thought it was every quarter. They rebalance daily out of cash flows, 'cause they may as well what with Vanguard investors buying and selling every day, but it hardly makes any difference. As I wrote, annual, or ev...
by Phineas J. Whoopee
Fri Feb 24, 2017 7:24 pm
Forum: Personal Consumer Issues
Topic: Train Trip
Replies: 17
Views: 1358

Re: Train Trip

It is not for the faint of heart. A sleeping room would help (I took the chair car), but trains are trains, and a train was the one constraint OP gave.
PJW
by Phineas J. Whoopee
Fri Feb 24, 2017 7:17 pm
Forum: Personal Consumer Issues
Topic: Train Trip
Replies: 17
Views: 1358

Re: Train Trip

Years ago I did just that. On Amtrak. I suggest the California Zephyr from Chicago to San Francisco, the Coast Starlight to Seattle, then the Empire Builder back to Chicago. Going in that sequence puts you in the most spectacular scenery during the daytime, barring severe delays. The first day out o...
by Phineas J. Whoopee
Fri Feb 24, 2017 6:52 pm
Forum: Investing - Theory, News & General
Topic: Market Run Ups - Now vs. Then
Replies: 76
Views: 4325

Re: Market Run Ups - Now vs. Then

... Though the portfolio as whole will go down, by holding individual funds you could withdraw from the fund(s) that are doing well at that moment and time while allowing the fund(s) crashing their chance to recover without withdrawing from them. Math is math? So I guess you knew that 2 + 2 = 4, co...
by Phineas J. Whoopee
Fri Feb 24, 2017 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: Bear-Proof Bond Allocation
Replies: 12
Views: 1339

Re: Bear-Proof Bond Allocation

... Do you know where I can find data on this? M-star and Vanguard only show total returns back to 2002 or so. I would not want zigginess at the expense of total return, but VFITX and VSIGX seem to produce comparable returns overall to Total Bond, while being less correlative to stock and more stro...
by Phineas J. Whoopee
Fri Feb 24, 2017 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: What if someone gets your password and transfers money from your bank to theirs?
Replies: 36
Views: 4275

Re: What if someone gets your password and transfers money from your bank to theirs?

nisiprius wrote:...
How did this work if the other compromised bank account wasn't yours? Does your bank let you transfer to an external account that isn't in your name?

Using Popmoney, if your bank supports it. Ally does. No doubt there are others.

It's edgy and disruptive.

PJW
by Phineas J. Whoopee
Fri Feb 24, 2017 3:26 pm
Forum: Investing - Theory, News & General
Topic: Taking profits
Replies: 12
Views: 1149

Re: Taking profits

ruahoo2 wrote:rgs92 How could I have answered within your post ?

I'm not rgs92, but you can use the button with the double quote mark in it to the upper right of each post.
PJW
by Phineas J. Whoopee
Fri Feb 24, 2017 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: Bear-Proof Bond Allocation
Replies: 12
Views: 1339

Re: Bear-Proof Bond Allocation

Zigginess is unreliable. The conditions have to be right to provoke a flight to quality. Often they aren't. One should not adopt a plan based on the idea that Treasuries go up when stocks go down, because they don't reliably do so.
PJW
by Phineas J. Whoopee
Fri Feb 24, 2017 3:14 pm
Forum: Personal Consumer Issues
Topic: Banks with 2 factor authentication?
Replies: 18
Views: 1256

Re: Banks with 2 factor authentication?

Ally emails security code when you login from an unknown PC. But not from a known PC, at least not frequently, no matter how many times you ask Ally to challenge you every time. Automatically delete cookies when you quit your browser. I do that and one site that says that it will recognize my compu...
by Phineas J. Whoopee
Fri Feb 24, 2017 11:58 am
Forum: Investing - Help with Personal Investments
Topic: The relation between stocks, bonds, and interest rates
Replies: 18
Views: 1127

Re: The relation between stocks, bonds, and interest rates

Stocks and bonds tend to move in opposite directions. In the few years when bonds and stocks both dropped in the same year, bonds or stocks bounced back big the very next year. http://pages.stern.nyu.edu/~adamodar/New_Home_Page/datafile/histretSP.html Except they don't tend to do that. It's a wides...
by Phineas J. Whoopee
Fri Feb 24, 2017 12:30 am
Forum: Investing - Help with Personal Investments
Topic: The relation between stocks, bonds, and interest rates
Replies: 18
Views: 1127

Re: The relation between stocks, bonds, and interest rates

... (Your statement is basically correct, I just thought you might enjoy this factoid...) ... Thanks. The problem with exchanges, as opposed to the broader category markets, for bonds is bonds have unique maturities and Terms & Conditions (T&C). Exchanges are good for instruments which are ...
by Phineas J. Whoopee
Fri Feb 24, 2017 12:13 am
Forum: Investing - Theory, News & General
Topic: Market Run Ups - Now vs. Then
Replies: 76
Views: 4325

Re: Market Run Ups - Now vs. Then

... The only problem with all in one funds including VBINX is if you are still holding it in retirement and withdrawing from it, when the market goes down, it takes the value of the whole fund down with it as well. So you're basically withdrawing the money at a reduced amount. If you held the asset...
by Phineas J. Whoopee
Fri Feb 24, 2017 12:10 am
Forum: Investing - Help with Personal Investments
Topic: risk of my Tesla deposit
Replies: 119
Views: 6993

Re: risk of my Tesla deposit

Unsecured general creditor unless your contract stipulates you have a lien on an asset of the general corporation (likely not). If you are seriously worried about $1K, when you have much larger amounts are risk in more volatile accounts....... :confused :?: I think that's a little unfair. The money...
by Phineas J. Whoopee
Fri Feb 24, 2017 12:08 am
Forum: Personal Consumer Issues
Topic: Banks with 2 factor authentication?
Replies: 18
Views: 1256

Re: Banks with 2 factor authentication?

Ally emails security code when you login from an unknown PC. But not from a known PC, at least not frequently, no matter how many times you ask Ally to challenge you every time. I don't like that either. I see two issues: 1) More trivially, in the user interface Ally gives the option not to recogni...
by Phineas J. Whoopee
Thu Feb 23, 2017 11:44 pm
Forum: Investing - Help with Personal Investments
Topic: risk of my Tesla deposit
Replies: 119
Views: 6993

Re: risk of my Tesla deposit

What does your contract say?
PJW
by Phineas J. Whoopee
Thu Feb 23, 2017 11:34 pm
Forum: Investing - Theory, News & General
Topic: ProShares S&P 500 Dividend Aristocrats ETF - thoughts?
Replies: 32
Views: 2447

Re: ProShares S&P 500 Dividend Aristocrats ETF - thoughts?

... Here is what I am wondering Does VIG reinvests the dividend ? Mutual funds in the US are required to pass along dividends to the shareholders, which outside of tax-advantaged accounts is a taxable event. The shareholder is free to reinvest any portion of the dividend in additional shares, just ...

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