Search found 4952 matches

by nedsaid
Thu May 26, 2016 9:05 am
Forum: Investing - Help with Personal Investments
Topic: Any advice would be so helpful
Replies: 3
Views: 444

Re: Any advice would be so helpful

I am new to this Forum, but can already tell I am going to learn a ton here. I work as a minister and am trying to be as wise as I can when it comes to retirement planning for my wife and I. Below are some details about my current situation along with some questions. Any help would be greatly appre...
by nedsaid
Thu May 26, 2016 8:51 am
Forum: Investing - Theory, News & General
Topic: safe alternative to stock market
Replies: 61
Views: 5666

Re: safe alternative to stock market

Riptide: I read a very interesting article about China. In short, the country has a mountain of debt. To deal with this, China will export like crazy to delay the day of reckoning. Very similar situation to Japan in the late 1980's. Pretty much, China will export deflation. There are a number of fol...
by nedsaid
Wed May 25, 2016 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: be my mother in law's financial advisor...or not?
Replies: 21
Views: 1941

Re: be my mother in law's financial advisor...or not?

The reason I didn't want to "manage" her years ago with all vanguard funds....is that I KNEW she would never be happy with the results ( ie why didn't we buy all gold? Why did I lose $$ last year?? etc). Essentially, I wanted nothing to do with it to be honest. After all, I'm a physician,...
by nedsaid
Wed May 25, 2016 12:08 pm
Forum: Investing - Theory, News & General
Topic: "A Risk Drill for Your Retirement Portfolio"
Replies: 6
Views: 1294

Re: "A Risk Drill for Your Retirement Portfolio"

Believe me, I have thought about these issues a whole lot. I once was pretty sanguine about all of this as I was once a lot younger. I figured that I had many years to ride out any volatility the markets could throw at me. Not only that but I was still investing a lot of new monies on a regular basi...
by nedsaid
Wed May 25, 2016 11:59 am
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway always beats SP500
Replies: 45
Views: 3959

Re: Berkshire Hathaway always beats SP500

I just checked in finance.yahoo.com http://finance.yahoo.com/echarts?s=BRK-A+Interactive#{"range":"5y","allowChartStacking":true} I realized that for all time horizons berkshire h. beats sp500 Has anyone consider investing in this? Any drawbacks? Anything I am missing?...
by nedsaid
Wed May 25, 2016 11:54 am
Forum: Investing - Theory, News & General
Topic: safe alternative to stock market
Replies: 61
Views: 5666

Re: safe alternative to stock market

What is the safest alternative to the stock market , if somebody might need to access the money at any time, and the person is tired of the volatility and ups and downs of the stock market. Further, this person knows the market is at an all time high, and it must come down sometime... U.S. Treasury...
by nedsaid
Wed May 25, 2016 1:10 am
Forum: Investing - Theory, News & General
Topic: Vanguard service quality going down below expectations
Replies: 12
Views: 2541

Re: Vanguard service quality going down below expectations

Vanguard are you listening? These are issues that your company needs to address. You can only go so cheap before quality really starts to be affected. This is why I have not moved my assets to Vanguard, I have seen too many of these complaints on this forum.
by nedsaid
Fri May 20, 2016 2:25 pm
Forum: Investing - Theory, News & General
Topic: Dividend Growth Stock as Bond Substitutes?... Malkiel vs. Swedroe
Replies: 18
Views: 2419

Re: Dividend Growth Stock as Bond Substitutes?... Malkiel vs. Swedroe

As much as I love dividends, I will go with Larry Swedroe on this one. Dividend stocks are still stocks and thus have stock like volatility. In bear markets, dividend stocks tend to hold up well but 2008-2009 was a big exception. Dividend Growth did relatively well in the 2008-2009 environment but H...
by nedsaid
Fri May 20, 2016 2:14 pm
Forum: Investing - Theory, News & General
Topic: Burton Malkiel: "I think [commodities] should be in every portfolio."
Replies: 35
Views: 2672

Re: Burton Malkiel: "I think [commodities] should be in every portfolio."

This is an idea worth considering. As I get older and get more concerned about market volatility and sequence of returns, this is an appealing idea. Actually, I own an oil stock and a timber stock, so I do participate in a small way. I also have profited from natural resource stocks over the years, ...
by nedsaid
Thu May 19, 2016 12:40 pm
Forum: Personal Consumer Issues
Topic: Arrgghhh !!! Windows 10 installed overnight
Replies: 72
Views: 6004

Re: Arrgghhh !!! Windows 10 installed overnight

Yes, the very same thing happened to me. I actually have been pleased with Windows 10, it was the easiest operating system upgrade that I have ever done. I use it on my main computer and also on my laptop. Quicken 2014 works with it. I had a very minor printer issue easily fixed. Even the scanner w...
by nedsaid
Tue May 17, 2016 1:55 pm
Forum: Personal Consumer Issues
Topic: Arrgghhh !!! Windows 10 installed overnight
Replies: 72
Views: 6004

Re: Arrgghhh !!! Windows 10 installed overnight

Yes, the very same thing happened to me. I actually have been pleased with Windows 10, it was the easiest operating system upgrade that I have ever done. I use it on my main computer and also on my laptop. Quicken 2014 works with it. I had a very minor printer issue easily fixed. Even the scanner wo...
by nedsaid
Tue May 17, 2016 7:25 am
Forum: Investing - Help with Personal Investments
Topic: VPAS recommendation: Do you agree? (new to index fund investing)
Replies: 61
Views: 3238

Re: VPAS recommendation: Do you agree? (new to index fund investing)

We're in the process of working with an advisor at Vanguard after a horrible experience with our advisor/salesman. At this point, I trust no advisors so am looking for your thoughts on what they have recommended. Here is the recommendation they gave us. Does this allocation look about right? Ages: ...
by nedsaid
Tue May 17, 2016 7:10 am
Forum: Personal Finance (Not Investing)
Topic: "Don't you dare figure it out on your own!"
Replies: 38
Views: 6430

Re: "Don't you dare figure it out on your own!"

My thoughts. 1. There is indeed a use for financial planners, particularly when it comes to tax planning and transitioning/consolidating your accounts. 2. Hourly is typically better than the fee-based planners. 3. I am immediately very, very skeptical of anyone who talks about gaming the system by ...
by nedsaid
Sun May 15, 2016 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance or Not?
Replies: 41
Views: 2298

Re: Long Term Care Insurance or Not?

Here's some additional information on my insurance coverage. I live in the metropolitan Phoenix area of Arizona. My Long Term Care policy has a 5% annually compounded inflation rider. My elimination period is 30 days. As of 2012 my benefits had compounded to a maximum facility benefit of $426,066.0...
by nedsaid
Sun May 15, 2016 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: "Don't you dare figure it out on your own!"
Replies: 38
Views: 6430

Re: "Don't you dare figure it out on your own!"

Yes, you might need to go over some of these things with a planner. And yes, the hourly fees paid would be a lot less than an Assets Under Management arrangement. What I would do is educate yourself the very best you can. There is a Boglehead's Guide to Retirement Planning and I recommend that you b...
by nedsaid
Sun May 15, 2016 5:41 pm
Forum: Investing - Help with Personal Investments
Topic: VPAS recommendation: Do you agree? (new to index fund investing)
Replies: 61
Views: 3238

Re: VPAS recommendation: Do you agree? (new to index fund investing)

If you arrived at the 90/10 by taking a 10 question survey, it may not reflect how you really feel. If you haven't already mentioned it, the advisor should know you found the 40% loss "very difficult". The problem with these surveys is that they seem biased towards more aggressive portfol...
by nedsaid
Sun May 15, 2016 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance or Not?
Replies: 41
Views: 2298

Re: Long Term Care Insurance or Not?

I am age 56 and single. I looked into Long Term Care Insurance but decided to pass. One big factor is that companies such as Met Life have gotten out of the business. Another factor is the problem with potentially rising premiums well after retiring. When companies exit a line of business, it tells ...
by nedsaid
Sun May 15, 2016 10:17 am
Forum: Investing - Help with Personal Investments
Topic: REIT investment
Replies: 27
Views: 2824

Re: REIT investment

Since October 2014, I have not been adding to my REIT funds. In fact, I have very, very slightly trimmed them. But pretty much, I am keeping what I have.
by nedsaid
Sun May 15, 2016 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Bond funds and Preferred stocks questions
Replies: 14
Views: 847

Re: Bond funds and Preferred stocks questions

Regarding the preferreds: These are all individual stocks? In a way, you are making your own mutual fund. But a fund has more diversity than what you can do on your own. There are good preferred stock ETF's out there. A popular one (and the biggest) is PFF, which gets a current yield of 5.8% and yo...
by nedsaid
Sun May 15, 2016 10:08 am
Forum: Investing - Help with Personal Investments
Topic: Bond funds and Preferred stocks questions
Replies: 14
Views: 847

Re: Bond funds and Preferred stocks questions

I have never owned preferred stocks since they are a hybrid investment that has characteristics of both a stock and a bond. They are more difficult to understand. In the event of a bankruptcy, bonds have higher preference of repayment than do the preferred stockholders. You would have a higher prefe...
by nedsaid
Sun May 15, 2016 9:52 am
Forum: Investing - Help with Personal Investments
Topic: VPAS recommendation: Do you agree? (new to index fund investing)
Replies: 61
Views: 3238

Re: VPAS recommendation: Do you agree? (new to index fund investing)

Thanks for your feedback. We need to reevaluate our asset allocation because we're getting a lot of feedback that it is too aggressive for our age. In 2008 we lost 40% and that was very difficult to watch. I know it is all up to the individual investor but 80/20 might make more sense for us. If a 4...
by nedsaid
Sun May 15, 2016 9:38 am
Forum: Investing - Help with Personal Investments
Topic: REIT investment
Replies: 27
Views: 2824

Re: REIT investment

I like REITs and have owned them in both mutual fund and ETF form. They did well during the 2000-2002 bear market but crashed even harder than stocks in 2008-2009. So they gave good bear market protection in one bear market and failed to protect anything in the next. They are worth owning because of...
by nedsaid
Sun May 15, 2016 9:29 am
Forum: Investing - Theory, News & General
Topic: Explanation for High PEs?
Replies: 4
Views: 547

Re: Explanation for High PEs?

The article made a pretty silly statement when it said that stocks are as overvalued today as they were in 2000. The statement is in my opinion false, valuations or sentiment are no where near where they were in early 2000. This is what is different. Forward P/E's are now about 18-19. In 2000, forwa...
by nedsaid
Sun May 15, 2016 9:13 am
Forum: Investing - Theory, News & General
Topic: Bond Index Funds - The turning tide from active
Replies: 45
Views: 3551

Re: Bond Index Funds - The turning tide from active

There are some folks here that criticize US Total Bond Market but for me it is a "good enough" investment. It is a conservative bond fund, intermediate term, investment grade, and very low expenses. I own it in mutual fund and ETF form.
by nedsaid
Sun May 15, 2016 9:09 am
Forum: Personal Consumer Issues
Topic: Advice from a Nobel Prize Winner
Replies: 1
Views: 751

Re: Advice from a Nobel Prize Winner

This was a good article. Not sure that I agree that people necessarily get less creative as they get older. In my opinion, it is more a measure of mindset than capacity. It is interesting that people get creative in a hurry when the need arises.
by nedsaid
Sun May 15, 2016 9:01 am
Forum: Investing - Theory, News & General
Topic: "Vectors"
Replies: 4
Views: 508

Re: "Vectors"

Below quoted from the issue of Vectors: The widow of Roy M. Speer, co-founder of the Home Shopping Network, is suing Morgan Stanley Wealth Management -- for excessive trading, unauthorized use of discretion and abuse of fiduciary duty. Mrs. Speer claimed that in the five years prior to his death, wh...
by nedsaid
Sat May 14, 2016 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Domestic Dividend Funds - VHDYX vs VDADX
Replies: 15
Views: 1113

Re: Vanguard Domestic Dividend Funds - VHDYX vs VDADX

I like dividends and have posted on that subject many, many times. And I have gotten beaten up on those threads many, many times. A dividend strategy like you are suggesting isn't a bad one but the timing is terrible. Investors have been chasing yield on both the equity and the bond side since late...
by nedsaid
Sat May 14, 2016 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: Where do you stand on the age old debates?
Replies: 19
Views: 1926

Re: Where do you stand on the age old debates?

These are the typical debates that usually arise and where I stand on them. Does your position agree or disagree? I'm just trying to see if the reasons I have found match the reasons others have found. I am not trying to debate age old arguments but rather, sort of compare notes. It seems there are...
by nedsaid
Fri May 13, 2016 6:49 pm
Forum: Investing - Theory, News & General
Topic: Hypothetical: Individual Stocks v. Active Funds
Replies: 5
Views: 468

Re: Hypothetical: Individual Stocks v. Active Funds

I started out doing both, individual stocks and active funds. I have been indexing most of my new monies for investment since 1999. Still have individual stocks and active funds but I am emphasizing the index or index like funds more and more.
by nedsaid
Fri May 13, 2016 6:28 pm
Forum: Investing - Theory, News & General
Topic: Investor’s Friend “ fair value” est. for S & P 500: ‘1539’
Replies: 10
Views: 1290

Re: Investor’s Friend “ fair value” est. for S & P 500: ‘1539’

I'm going on memory here (hope I'm recalling right), but I believe I saw an old Bogle video where he claimed to have sold most of his stock in early 2000... so not just an adjustment at the margins. He tactically allocated most of his positions out of the US market. So if his mantra is Stay the Cou...
by nedsaid
Fri May 13, 2016 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Domestic Dividend Funds - VHDYX vs VDADX
Replies: 15
Views: 1113

Re: Vanguard Domestic Dividend Funds - VHDYX vs VDADX

I like dividends and have posted on that subject many, many times. And I have gotten beaten up on those threads many, many times. A dividend strategy like you are suggesting isn't a bad one but the timing is terrible. Investors have been chasing yield on both the equity and the bond side since late ...
by nedsaid
Fri May 13, 2016 5:57 pm
Forum: Investing - Theory, News & General
Topic: Jim Cramer doesn’t beat the market
Replies: 61
Views: 6335

Re: Jim Cramer doesn’t beat the market

I like Jim Cramer. He is worth listening to because he did run a hedge fund and knows a lot about the market. A very smart and entertaining guy to listen to. I also like him because he is so human, he lets it all hang out, his strengths and faults are there for everyone to see. You can listen and le...
by nedsaid
Fri May 13, 2016 5:51 pm
Forum: Investing - Theory, News & General
Topic: NY Times article on the "tip of the iceberg" that is Puerto Rico
Replies: 76
Views: 11161

Re: NY Times article on the "tip of the iceberg" that is Puerto Rico

Did some checking around via Bing and the 1930's was good to Joe Kennedy. Made big money in movie studios, booze, and real estate. I saw no references to municipal bonds. I stand corrected. I did see this referenced somewhere but perhaps the article was just wrong. For the record I didn't intend my...
by nedsaid
Thu May 12, 2016 8:39 pm
Forum: Investing - Theory, News & General
Topic: Marketwatch article: I dissected the S&P 500
Replies: 22
Views: 2040

Re: Investing in the 50 largest U.S. companies

Interesting. I never realized that 50 companies make up half the index. So someone following Buffett's advice that is frequently posted here to just use a S&P 500 fund would have half of their money in 50 stocks. In_reality: Investors can easily do much worse than have half their money invested...
by nedsaid
Thu May 12, 2016 8:20 pm
Forum: Investing - Theory, News & General
Topic: NY Times article on the "tip of the iceberg" that is Puerto Rico
Replies: 76
Views: 11161

Re: NY Times article on the "tip of the iceberg" that is Puerto Rico

Somewhere in my foggy memory banks, I faintly recall somewhere that Joe Kennedy parked the family fortune in muni bonds during the Great Depression and fared very well. I can't image any better test for muni bonds than the Great Depression. This had me curious, so I did some Googling, which lead me...
by nedsaid
Wed May 11, 2016 9:50 pm
Forum: Investing - Help with Personal Investments
Topic: What should I do with my bucket of DRIPs?
Replies: 3
Views: 1137

Re: What should I do with my bucket of DRIPs?

When I finally started earning income in 1997, I became enamored in owning stocks. I had little capital so I enrolled in DRIPs. I started with XON(now XOM) where I'd invest $50/mo. As my income increased, I'd increase my amounts and and add other stocks. Fast forward almost 2 decades, I'm still DRI...
by nedsaid
Wed May 11, 2016 9:38 pm
Forum: Investing - Theory, News & General
Topic: NY Times article on the "tip of the iceberg" that is Puerto Rico
Replies: 76
Views: 11161

Re: NY Times article on the "tip of the iceberg" that is Puerto Rico

A few comments. Bogleheads are a tough crowd. Larry must feel like Garfield the cat standing on the fence and singing while dodging the rotten tomatoes and fruit. The pension problems are real. In my state, our public employee retirement system is in relatively good shape at 80% funding. But still, ...
by nedsaid
Wed May 11, 2016 9:18 pm
Forum: Investing - Theory, News & General
Topic: Backtesting David Swensen Lazy Porfolio against Three Fund
Replies: 57
Views: 8402

Re: Backtesting David Swensen Lazy Porfolio against Three Fund

...Pretty much, almost everything got hit. This is an example of what happened to Vanguard Funds during the 2008 bear market for stocks: STOCKS -56% Gold and Precious Metals -53% Emerging Markets -47% Global Equity -44% World Index (ex US) -42% Mid Cap Index -40% Small Cap Growth Index -39% Energy ...
by nedsaid
Mon May 09, 2016 8:22 pm
Forum: Investing - Theory, News & General
Topic: I Bond rates for May 1 announced
Replies: 65
Views: 9681

Re: I Bond rates for May 1 announced

I have been cashing in my EE Bonds as they have been hitting their 30 year maturity, paying the tax, and rolling the proceeds into I Bonds at Treasury Direct. I bought them at $25 and cashed them in at $115.32. They were paying 4% up until the time they matured and originally had a 6% guaranteed re...
by nedsaid
Sun May 08, 2016 7:33 pm
Forum: Investing - Theory, News & General
Topic: Backtesting David Swensen Lazy Porfolio against Three Fund
Replies: 57
Views: 8402

Re: Backtesting David Swensen Lazy Porfolio against Three Fund

...Pretty much, almost everything got hit... TIPS got hit pretty hard... One should consider magnitude and not just direction. TIPS dropped about 10% (after having risen about 10% for no obvious good reason about a year before, but never mind that). Stocks dropped about 50% . REITs about 66% . What...
by nedsaid
Sun May 08, 2016 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: How to prepare base for Early Retirement 3-5 years out?
Replies: 15
Views: 2547

Re: How to prepare base for Early Retirement 3-5 years out?

Hi all, Calculations have us 3-5 years from early retirement. Lots of unknowns - keeping our jobs - market not taking a dive. Nedsaid: Indeed, a lot of unknowns for all of us. I have experienced some career turbulence in my mid-fifties and that was certainly unplanned. What I'm trying to wrap my he...
by nedsaid
Sun May 08, 2016 3:42 pm
Forum: Investing - Theory, News & General
Topic: Investor’s Friend “ fair value” est. for S & P 500: ‘1539’
Replies: 10
Views: 1290

Re: Investor’s Friend “ fair value” est. for S & P 500: ‘1539’

You and others affected my decision making as I have been on a mild rebalancing program since about July 2013. I was at 69% stocks and have worked my way down to 67% stocks. The next time my portfolio works back to all-time highs, I will trim some more. If I had done nothing, I would be somewhere in...
by nedsaid
Sun May 08, 2016 10:39 am
Forum: Investing - Theory, News & General
Topic: NJ.com: To boost N.J.'s public pension funds, avoid costly investment fees
Replies: 2
Views: 558

Re: NJ.com: To boost N.J.'s public pension funds, avoid costly investment fees

It was a very good piece. Individuals can heed this advice as well. Over the years, I have reduced the fees on my investment portfolio from 0.78% to .051%. This has been done through increased use of plain old boring index funds.
by nedsaid
Sun May 08, 2016 10:34 am
Forum: Investing - Theory, News & General
Topic: Numeracy and Wealth
Replies: 44
Views: 6162

Re: Numeracy and Wealth

Part of the problem is the shift in math education in elementary school to math appreciation. Its what you'd get if you tried to teach someone how to throw and catch by explaining it to them and having them explain it back, rather than just throwing and catching repetitively. The dismissiveness tow...
by nedsaid
Sun May 08, 2016 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Dodged a bullet, thanks Bogleheads
Replies: 17
Views: 3855

Re: Dodged a bullet, thanks Bogleheads

Good job. You thought for yourself rather than letting someone else do it for you. You saved some dollars in the process. It goes to show that investors are better off being a buyer rather than a sellee. You don't have to buy whatever the salesman is selling.
by nedsaid
Sun May 08, 2016 10:00 am
Forum: Investing - Theory, News & General
Topic: Classic Bernstein 4 — Stocks Always Beat Bonds?
Replies: 14
Views: 1933

Re: Classic Bernstein 4 — Stocks Always Beat Bonds?

I read somewhere in Bernstein's Four Pillars of Investing that over very, very long periods of time that the returns of stocks and bonds are the same. He also said that as societies became wealthier and wealthier than investment returns dropped.
by nedsaid
Sun May 08, 2016 9:52 am
Forum: Investing - Theory, News & General
Topic: Where is Rick Ferri? [Portfolio Solutions management and fee structure]
Replies: 95
Views: 15787

Re: Where is Rick Ferri? [Portfolio Solutions management and fee structure]

... urged companies to deliberately do things to annoy and irritate their less-profitable customers, in hopes of inducing them to go away and pester the competition. If such a group indeed exists, I am proud to be a member. :P L. It reminds me of the Groucho Marx quote that he would not be a member...
by nedsaid
Sun May 08, 2016 9:50 am
Forum: Investing - Theory, News & General
Topic: End of Golden Era for Investors...?
Replies: 58
Views: 8364

Re: End of Golden Era for Investors...?

You have to learn that the news and the opinions of experts is overly pessimistic. Always has been and always will be. If I had paid attention to all of that I never would have invested in the first place. Millennials have reason to be pessimistic as the world seems to be going to hades in a hand ba...
by nedsaid
Sun May 08, 2016 9:29 am
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY BIRTHDAY, MR. BOGLE! May 8, 2016
Replies: 52
Views: 3184

Re: Happy Birthday Mr. Bogle! May 8, 2016

Happy Birthday, Mr. Bogle. I have enjoyed reading your books and watching your interviews! You always have something to say and it is always worth listening to.

Best wishes,

Ned
by nedsaid
Sun May 08, 2016 9:26 am
Forum: Investing - Theory, News & General
Topic: Vanguard live video webcast: Keys to building a successful investment portfolio
Replies: 15
Views: 1395

Re: Vanguard live video webcast: Keys to building a successful investment portfolio

Most of us don't use international Bonds (and the reason for their use has never been completely clear to me) Maybe I can help. The case for buying International Bonds is a weak one but there is a case. I am always on the lookout for diversifiers and International Bonds seemed like another way to f...

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