Search found 804 matches

by RyeWhiskey
Fri Sep 16, 2016 4:35 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Appearance - You're Invited
Replies: 13
Views: 1805

Re: Jack Bogle Appearance - You're Invited

I just checked and can confirm that tickets are available. :beer
by RyeWhiskey
Fri Sep 16, 2016 12:14 pm
Forum: Investing - Theory, News & General
Topic: Is Warren Buffett the ultimate free rider?
Replies: 23
Views: 3856

Re: Is Warren Buffett the ultimate free rider?

Two things come to mind immediately: 1) The "indexing is worse than Marxism" stuff simply shows a terrible--and rather depressing--lack of understanding of political theory, let alone economic reality. 2) Buffet is a Boglehead at core, in terms of his philosophy for everyday folk. He holds...
by RyeWhiskey
Thu Sep 15, 2016 6:56 pm
Forum: Investing - Theory, News & General
Topic: The role of Gold as portfolio insurance
Replies: 52
Views: 4325

Re: The role of Gold as portfolio insurance

I'll agree with people who say that owning a little gold as a hedge against Armageddon may be a good idea. Personally, I rather own guns and ammo for that contingency. But that's my preference. Rick Ferri Even without Armageddon happening, how about the diversification benefits? You've said you sho...
by RyeWhiskey
Thu Sep 15, 2016 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: Potential upgrade to portfolio
Replies: 2
Views: 247

Re: Potential upgrade to portfolio

You are aware that the Target Retirement fund has international stocks within it yet you stated you want 0% international? Also, you state that your desired asset allocation is "N/A" but you clearly have some allocation in mind owning the bond fund and a target fund that has bonds in it. D...
by RyeWhiskey
Thu Sep 15, 2016 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab Bonds dropping (SCHZ)
Replies: 12
Views: 1104

Re: Schwab Bonds dropping (SCHZ)

I am new to investing and opened an account in July of this year with Schwab. I had a lump sum to invest and bought all in to a 3 fund portfolio. I didn't DCA, but looking back I probably should have. Seems I bought SCHZ (invested $65k) at the high point and it's steadily dropped, 1k so far, not so...
by RyeWhiskey
Thu Sep 15, 2016 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: 24 year old new dividend portfolio
Replies: 151
Views: 7033

Re: 24 year old new dividend portfolio

Well, it's Thursday and the market is up 1% since the posting of this thread. So... there you have it. :beer
by RyeWhiskey
Thu Sep 15, 2016 12:49 pm
Forum: Investing - Theory, News & General
Topic: the upcoming bond bubble
Replies: 16
Views: 1964

Re: the upcoming bond bubble

I know that the general sentiment on this board is that there is no bond bubble and nothing to worry about in that sector, but let's pretend for a second that there actually was one. What do you suppose this would do to the rest of the market? Would the shock rout stocks as well? In essence, the fu...
by RyeWhiskey
Thu Sep 15, 2016 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: I invested $10,500 in a private US company [pressured to sell back shares]
Replies: 19
Views: 2406

Re: I invested $10,500 in a private US company [pressured to sell back shares]

$10,500 is 3.5% of around $300,000, which is not much for an "oil exploration company." My bet is this is all going to fall to pieces, if it hasn't already (and you just don't know about it). I would bail at the first chance I get and if he wants to get you out now, I'd take it. I'd also a...
by RyeWhiskey
Thu Sep 15, 2016 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Will you delete the Stocks App from your iPhone?
Replies: 31
Views: 2477

Re: Will you delete the Stocks App from your iPhone?

Absolutely. I will delete this and all the other bloatware apps that come with ios. No need for checking the market, really... I already own it all. :beer
by RyeWhiskey
Thu Sep 15, 2016 11:46 am
Forum: Investing - Help with Personal Investments
Topic: My Allocation Model: Should I Lean International?
Replies: 8
Views: 672

Re: My Allocation Model: Should I Lean International?

Why not go 80% Vanguard Total World Index VTWSX/VT and 20% BRKB? This way you're at market weight to start with 80% of your equities. Then, as time passes you can see how you feel and if you want to split it up to tilt towards domestic or international (because that's what deviated from market weigh...
by RyeWhiskey
Wed Sep 14, 2016 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: What details about personal finance do you share with your kids?
Replies: 20
Views: 1552

Re: What details about personal finance do you share with your kids?

I don't see any drawbacks to telling your 9 year-old about the paid off mortgage... what drawbacks could there be? He's 9. Keeping net worth numbers a secret can be beneficial to kids learning their own way; I know my parents did this with me. But knowing about owning a home is very different--there...
by RyeWhiskey
Wed Sep 14, 2016 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: 24 year old new dividend portfolio
Replies: 151
Views: 7033

Re: 24 year old new dividend portfolio

Do you have an IPS? If so, what does it say? If not, check out the wiki article. Are you maxing tax shelters before putting money in taxable accounts? Why dividends? Have you read the literature on total return vs. dividend investing? What makes you think those 30 companies in that Motif will outper...
by RyeWhiskey
Tue Sep 13, 2016 5:25 pm
Forum: Personal Consumer Issues
Topic: What's the smallest signup bonus that you'd take on a new credit card?
Replies: 27
Views: 1819

Re: What's the smallest signup bonus that you'd take on a new credit card?

I don't like to amass large numbers of credit cards but it has less to do with managing my credit score and more to do with my own perceived risk of identity theft or losing track of one of the cards. I think that you can get good deals and be rational about credit cards up to a point where the com...
by RyeWhiskey
Tue Sep 13, 2016 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: I am going to stop tilting. Sanity check.
Replies: 66
Views: 6010

Re: I am going to stop tilting. Sanity check.

I titled until I had my doubts and have since settled on the Total World Index for the long, long haul. :beer
by RyeWhiskey
Fri Sep 09, 2016 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Stock purchase questions
Replies: 17
Views: 1242

Re: Stock purchase questions

jacatone wrote:Thanks for the responses. I guess your right, I should just invest in a retirement fund rather than trying to out guess the market.


Do you have an IPS? :beer
by RyeWhiskey
Fri Sep 09, 2016 2:20 pm
Forum: Investing - Theory, News & General
Topic: Wall St. Nuclear Meltdown
Replies: 62
Views: 8580

Re: Wall St. Nuclear Meltdown

Didn't even know this was happening until this thread... noise is noise, it seems. :sharebeer
by RyeWhiskey
Fri Sep 09, 2016 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard 8/17/16 Article: "A New Approach to Retirement Spending"
Replies: 31
Views: 2767

Re: Vanguard 8/17/16 Article: "A New Approach to Retirement Spending"

First of all, I would like to think that most Vanguard investors are not "average". Most already know to first take your RMDs, then the yearly outflows from taxable accounts such as dividends, capital gains and interest. It sounds somewhat like you're confusing the folks on this forum wit...
by RyeWhiskey
Fri Sep 09, 2016 2:11 pm
Forum: Investing - Theory, News & General
Topic: ["Wells Fargo Fined for Years of Harm to Customers"]
Replies: 129
Views: 7940

Re: ["Wells Fargo Fined for Years of Harm to Customers"]

Let's use this moment to reaffirm the value of credit unions in our communities. It's unsurprising, to say the least, to hear this news from Wells Fargo and it only solidifies my commitment to my local credit union as my primary bank. :beer Full disclosure: I keep an account with Schwab for internat...
by RyeWhiskey
Fri Sep 09, 2016 12:02 pm
Forum: Investing - Theory, News & General
Topic: The case for natural resource equities
Replies: 12
Views: 1104

Re: The case for natural resource equities

Nedsaid: Dr. Bernstein is right, but it takes a lot of courage to actually buy in that situation. I've found that it's quite easy to buy in that situation and much harder to hold beyond your expected 'recover' time. For example, I successfully timed/bought into the precious metals slump at its lowe...
by RyeWhiskey
Wed Sep 07, 2016 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: PDT. What is this fund?
Replies: 15
Views: 970

Re: PDT. What is this fund?

Absurd ER and leverage (read: risk) aside, this fund has historically traded at a discount, so selling now would seem wise. :beer
by RyeWhiskey
Tue Sep 06, 2016 6:45 pm
Forum: Personal Consumer Issues
Topic: Tipping Practices
Replies: 18
Views: 1543

Re: Tipping Practices

It seems like every other week there's a new thread on tipping (search the forum for ample examples). I'm not sure if it's just this forum or a general phenomenon for such a simple situation to be so unclear. So here's the deal--coming from a former waiter and barista: 1) Put politics aside. The wor...
by RyeWhiskey
Wed Aug 31, 2016 4:28 pm
Forum: Investing - Theory, News & General
Topic: Preferred bonds?
Replies: 5
Views: 613

Re: Preferred bonds?

He is most likely referring to "preferred securities" otherwise known as preferred stocks. They are hybrid-like investments that have both equity and fixed-income characteristics. The wiki has a page on them or you could search the forum for ample discussion on this topic. :beer
by RyeWhiskey
Tue Aug 30, 2016 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Bank is behind online, new bank?
Replies: 15
Views: 1105

Re: Bank is behind online, new bank?

Is there a credit union nearby that would provide all the local in-person services that you like while also maintaining a good website? :beer
by RyeWhiskey
Tue Aug 30, 2016 11:50 am
Forum: Personal Consumer Issues
Topic: How Does Your money Make Money?
Replies: 43
Views: 5076

Re: How Does Your money Make Money?

livesoft wrote:I work on the flip side: I ask "How does my money lose money?" Then I plug the leaks.


Wisdom. :sharebeer
by RyeWhiskey
Mon Aug 29, 2016 3:00 pm
Forum: Investing - Help with Personal Investments
Topic: 90/10 vs 60/40
Replies: 7
Views: 1372

Re: 90/10 vs 60/40

Is it better to go with VTI and BND 60/40 split or just go 90/10 VTI and BSV like buffet mentions I understand depends on timeline, risk aversion etc but 90/10 rule is interesting There is no right answer. Determine the allocation that's right for you based on your need and ability to take risk (no...
by RyeWhiskey
Fri Aug 26, 2016 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to get rid of sizable stock holding in 401K
Replies: 9
Views: 473

Re: Best way to get rid of sizable stock holding in 401K

I'd sell it all now, for sure. You're already tied into our employer for your income, why tie your retirement savings to them as well? No one can foresee the future, so we diversify as best we can. :beer
by RyeWhiskey
Wed Aug 24, 2016 3:40 pm
Forum: Personal Consumer Issues
Topic: What is your system for dealing with coins?
Replies: 123
Views: 7719

Re: What is your system for dealing with coins?

As reported earlier, no "system" here, just the usual collect in a container, roll up, and bring to the bank. Often lax on the last step, so this thread inspired me to collect what's rolled, roll the rest and take it to the bank. It's been awhile. Put a full roll of quarters in both cars ...
by RyeWhiskey
Wed Aug 24, 2016 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: State Street Real Asset Fund ???
Replies: 3
Views: 234

Re: State Street Real Asset Fund ???

Well, according to their "custom index" it's basically: 55% commodities 20% REITs 25% TIPS So that would make it a definitive inflation-protection portfolio, and not one that I am interested in. For inflation protection I'd look to I-Bonds, a TIPS index, or perhaps even equities if you're ...
by RyeWhiskey
Wed Aug 24, 2016 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Value fund in taxable account
Replies: 4
Views: 451

Re: Value fund in taxable account

Morningstar says VSIAX has a three year tax-cost ratio of 0.77%, which is reasonable and similar to the TSM index. :beer
by RyeWhiskey
Wed Aug 24, 2016 3:25 pm
Forum: Personal Consumer Issues
Topic: Honda maintenance schedule?
Replies: 49
Views: 3237

Re: Honda maintenance schedule?

Ask dealer to check software versions and update if free. Also ask if any outstanding recall items that can be addressed for free. This. :beer I find with Hondas (I've owned two), and perhaps with most vehicles, it's best to have a good relationship with a local mechanic. I go in for my routine oil...
by RyeWhiskey
Wed Aug 24, 2016 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on Savings Account
Replies: 8
Views: 1009

Re: Advice on Savings Account

thanks for the replies. I had thought of applying the $1000 month toward the principal on the mortgage loan, and that may work out to be the best route. The mortgage has an interest rate of 2.625, thus my looking for a rate above 3%. In the 4 year time line (from now), I'll be 8 or so years into th...
by RyeWhiskey
Wed Aug 24, 2016 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in smaller banks targeted by activists
Replies: 6
Views: 391

Re: Investing in smaller banks targeted by activists

This is individual stock speculation, pretty straight up. Usual advice applies: no more than 5% of your portfolio and money that you can afford to lose. :beer
by RyeWhiskey
Wed Aug 24, 2016 12:20 pm
Forum: Investing - Theory, News & General
Topic: Why Does Wealthfront Allocate So Much To Emerging Markets?
Replies: 9
Views: 1300

Re: Why Does Wealthfront Allocate So Much To Emerging Markets?

I also think they allocate heavily to EM due to the higher expected returns. The robo-advisor business is competitive and they are probably betting that higher initial returns will draw more business. Who knows? :beer
by RyeWhiskey
Wed Aug 24, 2016 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: How much MLP is reasonable in a portfolio?
Replies: 18
Views: 1249

Re: How much MLP is reasonable in a portfolio?

Given your previous post, it seems as though you are performance chasing and lacking an overall investment plan. Do you have an IPS? If so, what does it say about MLPs? Furthermore, you seem to be buying high and selling low--the opposite of what you're trying to do. I'd leave this alone and let co...
by RyeWhiskey
Mon Aug 22, 2016 7:11 pm
Forum: Investing - Theory, News & General
Topic: New sector classification for REITs
Replies: 15
Views: 1500

Re: "The S&P 500's new sector (Real Estate) could be a really big deal" so says CNBC

Sounds like noise to someone who is 100% Total World Stock. :wink: :beer
by RyeWhiskey
Mon Aug 22, 2016 7:08 pm
Forum: Personal Consumer Issues
Topic: What is your system for dealing with coins?
Replies: 123
Views: 7719

Re: What is your system for dealing with coins?

Another vote for saving them and then cashing them in at your credit union. A penny saved... :beer
by RyeWhiskey
Mon Aug 22, 2016 6:55 pm
Forum: Personal Consumer Issues
Topic: Who is responsible for bank errors
Replies: 16
Views: 1342

Re: Who is responsible for bank errors

Well it's called a bank error because it is their error, not yours. No real middle ground here: the check was written for $100 and the bank processed it for $1,000. Their problem, don't budge an inch until they fix it. :beer
by RyeWhiskey
Mon Aug 22, 2016 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: VC Fund - Long Term Cap Gain - Avoiding Large Cap Gain
Replies: 10
Views: 586

Re: VC Fund - Long Term Cap Gain - Avoiding Large Cap Gain

Your post is slightly unclear, but if you would not purchase the individual stock right now then you should sell it when it comes into your possession (if you wouldn't buy it, why keep it?). Individual stocks are risky and you state above that you are not tolerant of this risk. Take the capital gain...
by RyeWhiskey
Mon Aug 22, 2016 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: where to start with investing
Replies: 9
Views: 806

Re: where to start with investing

Don't come up with a particular asset allocation (tilting to mid/small/EM stocks) until you have a thorough understanding of: - your need to take risk - your ability to take risk - your short/mid/long term financial needs - the basics of different asset classes (stocks vs. bonds vs. cash) - the basi...
by RyeWhiskey
Mon Aug 22, 2016 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: How much MLP is reasonable in a portfolio?
Replies: 18
Views: 1249

Re: How much MLP is reasonable in a portfolio?

Given your previous post, it seems as though you are performance chasing and lacking an overall investment plan. Do you have an IPS? If so, what does it say about MLPs? Furthermore, you seem to be buying high and selling low--the opposite of what you're trying to do. I'd leave this alone and let com...
by RyeWhiskey
Mon Aug 22, 2016 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Starting a new business inside your Roth IRA?
Replies: 9
Views: 459

Re: Starting a new business inside your Roth IRA?

A simple google search will reveal the basic steps you need to take regarding the IRS, filing, employees, etc. :beer Sorry, maybe I'm googling the wrong thing, but every search I've tried only comes up with pages explaining how to invest in a Roth IRA after starting a new business. A Roth IRA is an...
by RyeWhiskey
Mon Aug 22, 2016 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: CD vs Short Term Inv Grade Bond
Replies: 12
Views: 1662

Re: CD vs Short Term Inv Grade Bond

Should I be comparing 3.5% return vs Ally's 1.7% or just the 1.53% yield? CDs and bond funds, while similar in terms of large asset allocation, are very different. You should be familiar with their similarities and differences before you compare them, as failing to do so will lead to false conclusi...
by RyeWhiskey
Mon Aug 22, 2016 1:20 pm
Forum: Investing - Theory, News & General
Topic: American Home Preservation Fund
Replies: 3
Views: 517

Re: American Home Preservation Fund

I stopped reading at "hedge fund." But, if you want to gamble, I'll wager that VTWSX beats whatever this fund is over the next 30 years. :beer
by RyeWhiskey
Mon Aug 22, 2016 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Being OK with sacrificing current enjoyment for future freedom?
Replies: 24
Views: 2197

Re: Being OK with sacrificing current enjoyment for future freedom?

i'm sure this has been discussed but at what point does not taking that vacation, or not buying the nicer home/car, or not splurging on a nice meal stop making sense? of course we, by virtue of being on this forum, place a premium on watching our savings and retirement accounts grow but being as to...
by RyeWhiskey
Mon Aug 22, 2016 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Starting a new business inside your Roth IRA?
Replies: 9
Views: 459

Re: Starting a new business inside your Roth IRA?

Randomguy: This Forbes article agrees with you: http://www.forbes.com/sites/deborahljacobs/2012/03/20/how-facebook-billionaires-dodge-mega-millions-in-taxes/#6829ed5565f6 Oh well. Is there anything else I should think about tax-wise when starting a new business? That article is talking about a guy ...
by RyeWhiskey
Mon Aug 22, 2016 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: SolarCity SolarBonds 6.5%
Replies: 29
Views: 3823

Re: SolarCity SolarBonds 6.5%

Linky What do you guys think? Unnecessarily risky and speculative? I'm thinking the same, but so tempting. I don't see it as tempting at all. Tempting would be 6.5% on federal bonds; obvious would be 6.5% in a stable-value fund. 6.5% on an unsecured bond from an individual company is the opposite o...
by RyeWhiskey
Fri Aug 19, 2016 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Online Savings Account Strategy/Recommendations
Replies: 10
Views: 1389

Re: Online Savings Account Strategy/Recommendations

It's a classic complexity vs. potential return question. Sure, over time you can rack up decent bonuses but you are consistently adding in complexity. It comes down to how much you value each in relation to the other. My personally, simplicity is the goal. I have one national bank, one credit union,...
by RyeWhiskey
Fri Aug 19, 2016 12:50 pm
Forum: Investing - Theory, News & General
Topic: Are there other reasons besides volatility to avoid 100% equities?
Replies: 115
Views: 7299

Re: Are there other reasons besides volatility to avoid 100% equities?

I have a few general questions about asset allocation I'm hoping to get some feedback on. I've searched the forums on why someone shouldn't go all in on equities, and the most prominent and well supported argument is to avoid higher volatility. If someone is OK with that volatility, and can hold a ...
by RyeWhiskey
Fri Aug 19, 2016 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: Are all of these 401k options terrible?
Replies: 25
Views: 1831

Re: Are all of these 401k options terrible?

There seem to be some fine options there. See @telemark advice above. :sharebeer
by RyeWhiskey
Fri Aug 19, 2016 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Morningstar: "How Should Younger Investors Think About Social Security?"
Replies: 34
Views: 4246

Re: Morningstar: "How Should Younger Investors Think About Social Security?"

I'm 30 and I don't even think about social security. It comes out of my wages just like other items and that's that. I also don't account for it in my retirement planning. If/when it does factor in then so much the better. :beer

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