Search found 842 matches

by z3r0c00l
Sat Jan 21, 2017 2:14 pm
Forum: Personal Consumer Issues
Topic: Getting my electricity usage under control
Replies: 14
Views: 1168

Re: Getting my electricity usage under control

Lower thermostat in the winter, use fans in the summer rather than AC, keep the fridge close to 40 degrees, and lower hot water temperature. The Jimmy Carter method, often overlooked.
by z3r0c00l
Sat Jan 21, 2017 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: Better option than Vanguard Moneymarket
Replies: 14
Views: 912

Re: Better option than Vanguard Moneymarket

https://personal.vanguard.com/us/funds/snapshot?FundId=0132&FundIntExt=INT VBISX is pretty safe and may earn you about what a savings account does, less than a CD and of course more risky than either. If you are using it like an MM with lots of incoming and outgoing funds, things may get more co...
by z3r0c00l
Fri Jan 20, 2017 8:38 am
Forum: Investing - Help with Personal Investments
Topic: Vital Mistake - Damage Control?
Replies: 16
Views: 2534

Re: Vital Mistake - Damage Control?

+1 vote for him leaving their service as soon as possible. The annual percentage will soon dwarf the front-end cost. Unfortunately I have caught my parents being taken advantage of by similar offers, annuities, etc. They are the prime target for young, mildly desperate financial planners with polish...
by z3r0c00l
Wed Jan 18, 2017 8:24 am
Forum: Investing - Theory, News & General
Topic: FED Raises Rates - Sky Falls! Bond Prices are UP!
Replies: 29
Views: 5396

Re: FED Raises Rates - Sky Falls! Bond Prices are UP!

Maybe some sanity will come back to interest rates. Money should have a cost similar to everything else that is worth having. The free ride for borrowers and blatant disrespect for savers does not equate to economic prosperity. It causes the dislocation of capital and adds unwarranted risk to the e...
by z3r0c00l
Sat Jan 07, 2017 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody else Age - 10 in bonds, rest in stocks
Replies: 58
Views: 3870

Re: Anybody else Age - 10 in bonds, rest in stocks

Age - 10 in bonds with 5% increments, rounding up. Totally arbitrary but feels about right for comfort and glide path into retirement. Not planning to go past 50/50 at any age.

Nearly 35 yo, 75/25 though for the past 8 years it was a drag on return for sure.
by z3r0c00l
Sat Jan 07, 2017 8:16 pm
Forum: Investing - Theory, News & General
Topic: Forbes on Vanguard funds paying 4%+
Replies: 1
Views: 1075

Re: Forbes on Vanguard funds paying 4%+

Breaking apart income from total return is dubious. It would be interesting to see someone justify the very concept of being an income investor. Long bonds, risky bonds, and REITs are the predictable constituents of this list. 24 year maturity is no joke! However it is safe to say that BLV has had a...
by z3r0c00l
Fri Jan 06, 2017 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Is driving for uber worth it for side money?
Replies: 67
Views: 10345

Re: Is driving for uber worth it for side money?

Much better to find extra hours at your current job or in the same field if possible, imho. I do about 10% extra per year (used to be 20% before a significant promotion) in my field through part time/consulting work. Helpful for that extra vacation per year and in all probability, early retirement o...
by z3r0c00l
Mon Jan 02, 2017 7:33 am
Forum: Investing - Help with Personal Investments
Topic: I-bonds
Replies: 28
Views: 3301

Re: I-bonds

Is the fixed rate so low because more people are purchasing i-bonds than in the past and so there is no need to attract new customers? Or is it more a reflection of the spread between other bonds and inflation?
by z3r0c00l
Sat Mar 05, 2016 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: Too good to be true? vgenx or vgpmx
Replies: 48
Views: 12188

Re: Too good to be true? vgenx or vgpmx

Investment101 wrote:does USO tracks and correlates with oil? can you list some that does thanks.


Image

Have you seen the chart for USO?
by z3r0c00l
Tue Mar 01, 2016 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Is it risky to have all your money in one place?
Replies: 19
Views: 2072

Re: Is it risky to have all your money in one place?

This may help: https://www.bogleheads.org/wiki/Vanguard_safety

"What if Vanguard went broke?"

For what it's worth, I do like having some money outside of Vanguard such as in my 401K even though that is not entirely rational. Vanguard has better funds than the 401K!
by z3r0c00l
Thu Feb 25, 2016 5:04 pm
Forum: Investing - Theory, News & General
Topic: Rare Black Swan Pattern
Replies: 33
Views: 4086

Re: Rare Black Swan Pattern

Dutch wrote:The charts don't lie! I'm going all cash


Consider shorting postage stamps.
by z3r0c00l
Wed Feb 24, 2016 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Keep cash in savings account or bonds?
Replies: 11
Views: 2008

Re: Keep cash in savings account or bonds?

1.1% sounds great, it may depend on local inflation rates in the currency you use of course. Nothing wrong with forgoing some investment returns for the security of a bank account!
by z3r0c00l
Wed Feb 24, 2016 7:08 am
Forum: Investing - Help with Personal Investments
Topic: Keep cash in savings account or bonds?
Replies: 11
Views: 2008

Re: Keep cash in savings account or bonds?

That sounds a bit short-term for bonds, or at least any kind of bonds that would beat a savings account. You can, however, get 1% in an online savings account at Ally for example. If you know the cash won't be needed in 2 years, a 2 year CD will do a bit better still in the range of 1.25 to 1.5%. Do...
by z3r0c00l
Tue Sep 22, 2015 6:22 pm
Forum: Investing - Help with Personal Investments
Topic: Brokered CD question
Replies: 5
Views: 541

Re: Brokered CD question

Just for the sake of clarity, you can get a fully liquid online banking account with about 1% interest. I can't imagine why anyone would want a .4% CD at this point.
by z3r0c00l
Sat Sep 19, 2015 8:31 pm
Forum: Investing - Theory, News & General
Topic: Why not use Global Market Cap %'s for Equities?
Replies: 64
Views: 4016

Re: Why not use Global Market Cap %'s for Equities?

Absolutely. I see no reason why those who do this for domestic stock should not also do so internationally, which I do. However for the sake of simplicity, as long as things are near 50/50, I am happy with that. Worrying about a few percentage points doesn't seem worth the time and constant trading....
by z3r0c00l
Tue Sep 01, 2015 12:31 pm
Forum: Investing - Theory, News & General
Topic: Can the market go up forever?
Replies: 80
Views: 7340

Re: Can the market go up forever?

Oops, that should be almost a novemdecillionaire.
by z3r0c00l
Tue Sep 01, 2015 12:09 pm
Forum: Investing - Theory, News & General
Topic: Can the market go up forever?
Replies: 80
Views: 7340

Re: Can the market go up forever?

A novemdecillionaire seven times over!
by z3r0c00l
Tue Sep 01, 2015 5:51 am
Forum: Investing - Theory, News & General
Topic: Can the market go up forever?
Replies: 80
Views: 7340

Re: Can the market go up forever?

For an entity with $1trillion to spend, stocks simply aren't deep or liquid enough for them. Even if they manage to get all $1trillion in stocks, they would've had to overpay for most of it. And when they sell it they will have to sell at a substantial discount. I don't know that even a trillion wi...
by z3r0c00l
Sat Aug 29, 2015 9:57 pm
Forum: Investing - Help with Personal Investments
Topic: Have to open up a bond position, but not sure what to buy
Replies: 7
Views: 595

Re: Have to open up a bond position, but not sure what to buy

One more vote for VBTLX Vanguard total bond market index. One of the best mutual funds out there. It has a simple job and does that job well. Not very exciting but that is the idea really. Will you go to 10% bond at 30?
by z3r0c00l
Thu Aug 27, 2015 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: Individual Insured Puerto Rico Bonds- Hold or try to sell?
Replies: 20
Views: 2228

Re: Individual Insured Puerto Rico Bonds- Hold or try to sell?

5% tax free when I bought them. I didn't see this coming as I bought these well before the Puerto Rico problems were well known, at least to me! In many ways that 5% return was the warning sign. My gut reaction is to just hold them. US domiciled bonds from a government that is able to get revenue t...
by z3r0c00l
Wed Aug 26, 2015 4:00 pm
Forum: Investing - Theory, News & General
Topic: Quartz (electronic magazine) offers market timing game
Replies: 10
Views: 777

Re: Quartz (electronic magazine) offers market timing game

Maynard F. Speer wrote:Quite easy actually

Sell immediately and buy back at any negative opportunity and you'll beat the market


Yes you figured it out! Can we turn that into an IRL strategy?
by z3r0c00l
Wed Aug 26, 2015 1:54 pm
Forum: Investing - Theory, News & General
Topic: Quartz (electronic magazine) offers market timing game
Replies: 10
Views: 777

Quartz (electronic magazine) offers market timing game

"Do you think you can beat the market? Really?" "Let’s pick a random 10-year history of the S&P 500 and see if you can spot and avoid the downturn, as the chart progresses through time below." http://qz.com/487013/this-game-will-show-you-just-how-foolish-it-is-to-sell-stocks-...
by z3r0c00l
Wed Aug 26, 2015 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Too good to be true? vgenx or vgpmx
Replies: 48
Views: 12188

Re: Too good to be true? vgenx or vgpmx

You know if VGPMX goes to $3 I would consider buying the minimum 1,000 shares. That's about it though.
by z3r0c00l
Tue Aug 25, 2015 5:57 am
Forum: Investing - Theory, News & General
Topic: How are you being GREEDY when others are fearful?
Replies: 85
Views: 13702

Re: How are you being GREEDY when others are fearful?

rakaye47 wrote:The ultimate fear portfolio: 30% commodity futures, 30% gold, 40% china stocks


That is terrifying : )
by z3r0c00l
Mon Aug 24, 2015 9:30 pm
Forum: Investing - Theory, News & General
Topic: A warning on RBDs [Really Bad Days]
Replies: 48
Views: 8821

Re: A warning on RBDs

Which is precisely why the constant chatter on this board about "RBDs" and how they necessitate some kind of action is absurd, contradictory, and likely confusing to newer members. Yes, without a doubt, it makes no sense. Wait for stocks to go from 16,000 to 18,000 without buying because ...
by z3r0c00l
Mon Aug 24, 2015 6:11 pm
Forum: Investing - Theory, News & General
Topic: Getting out of your comfort zone
Replies: 21
Views: 2659

Re: Getting out of your comfort zone

The most recent decision was moving a 6-figure amount from bonds to equities in the last minute of trading last Friday. That's going to hurt come Monday : ( A 1% drop is still only a few thousand dollars. So I guess I will have to double-down to get comfortable. $16,000 or so? : ) Of course it is o...
by z3r0c00l
Sun Aug 23, 2015 8:47 pm
Forum: Investing - Theory, News & General
Topic: Getting out of your comfort zone
Replies: 21
Views: 2659

Re: Getting out of your comfort zone

livesoft wrote:The most recent decision was moving a 6-figure amount from bonds to equities in the last minute of trading last Friday.


That's going to hurt come Monday : (
by z3r0c00l
Sun Aug 23, 2015 7:46 am
Forum: Investing - Theory, News & General
Topic: Shiller PE10 nearing nosebleed territory?
Replies: 322
Views: 40265

Re: Shiller PE10 nearing nosebleed territory?

JoMoney wrote:
...Note the rise and drop around 1937... several years after the crash was looking like a recovery. :shock:


Check out "The forgotten man" by Shlaes for more on this double-dip depression.
by z3r0c00l
Thu Aug 20, 2015 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Passed up for a promotion, now what?
Replies: 34
Views: 5068

Re: Passed up for a promotion, now what?

First I wouldn't take it personally, no matter how much the VP likes you it is possible they had some very tight decisions to make. Don't confront until you have new job options. "I am going to start looking for a new job." is too much information for them to have and it does not put on a ...
by z3r0c00l
Wed Aug 19, 2015 6:42 pm
Forum: Investing - Theory, News & General
Topic: Greenspan: we've got a bond bubble, Houston
Replies: 71
Views: 7340

Re: Greenspan: we've got a bond bubble, Houston

Even though it seems impossible now, the real nightmare scenario would be high inflation and massive inflation adjusted losses over the course of a decade or more. That is the big weakness in bonds; the risk of falling behind inflation over the course of a whole investing career. This is also why iB...
by z3r0c00l
Tue Aug 18, 2015 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: VWO - Emerging Markets
Replies: 27
Views: 3458

Re: VWO - Emerging Markets

You mean you don't want to wait for an RBD in VWO to buy? I would invest in something else and exchange into VWO when it had an RBD. I predict that it is just going to dribble lower and lower for a little while until folks get sick of it and sell in a flurry dropping the price more than 3% in a sin...
by z3r0c00l
Tue Aug 18, 2015 5:48 pm
Forum: Investing - Theory, News & General
Topic: Piling into emerging markets
Replies: 67
Views: 9448

Re: Piling into emerging markets

Just got $1000 of total international today, trying to keep the AA balanced. Not loving the feel of any investment right now, but what can we do? It is a vote of confidence in the future. The Euro at $1.10 feels like a pretty good deal.
by z3r0c00l
Tue Aug 18, 2015 5:44 pm
Forum: Investing - Theory, News & General
Topic: Good argument for underweighting international stocks?
Replies: 77
Views: 5961

Re: Good argument for underweighting international stocks?

The uptick in posts against international may be a good argument for going overweight at this time.
by z3r0c00l
Tue Aug 04, 2015 5:08 pm
Forum: Investing - Theory, News & General
Topic: Apple & the Market:
Replies: 15
Views: 2091

Re: Apple & the Market:

Apple drops 50% in a catastrophe and the market falls 2% as a result. Maybe tack on another 2% out of panic. It is a bad day for stocks to be sure, but not even among the 10 worst days. Is this ever going to happen even over the course of a few months? I doubt it.
by z3r0c00l
Mon Aug 03, 2015 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: Maturing CDs -- Now What?
Replies: 15
Views: 2249

Re: Maturing CDs -- Now What?

clydewolf wrote:
z3r0c00l wrote:
clydewolf wrote:When the interest rate on that 2016 CD rises sufficiently


*If the rate rises.

Of course!

But Ms Yellen says rates will begin to rise in 2015.


I hear you, but she doesn't set CD rates. It is quite likely that rates will stay low for a few more years at a minimum.
by z3r0c00l
Sun Aug 02, 2015 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: Maturing CDs -- Now What?
Replies: 15
Views: 2249

Re: Maturing CDs -- Now What?

clydewolf wrote:When the interest rate on that 2016 CD rises sufficiently


*If the rate rises.
by z3r0c00l
Thu Jul 30, 2015 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: Big mistake
Replies: 13
Views: 3070

Re: Big mistake

I hold in taxable too. Lack of space and good options in the 401K for bonds, and I find the liquidity attractive.
by z3r0c00l
Tue Jul 28, 2015 8:46 pm
Forum: Investing - Theory, News & General
Topic: The Danger of higher-yielding bond funds
Replies: 62
Views: 5444

Re: The Danger of higher-yielding bond funds

If you're merely niggling the tense then keep in mind I was referring to an established historical period (1985-2014) and in that time frame the portfolio w/REIT 'is' superior. I don't know that it is just pedanticism in this instance. We cannot speak about a period of time in the past without sayi...
by z3r0c00l
Tue Jul 28, 2015 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you keep/park your emergency fund?
Replies: 54
Views: 7828

Re: Where do you keep/park your emergency fund?

Checking account (zero interest), Savings account (low interest), CD while waiting to buy iBonds, iBonds account for most of my eFund. Soon the iBonds will keep pace with inflation at my full eFund need and then all new money will go into the investments. Of course 20% of my AA is in a bond fund, bu...
by z3r0c00l
Thu Jul 23, 2015 6:01 am
Forum: Investing - Theory, News & General
Topic: The Danger of higher-yielding bond funds
Replies: 62
Views: 5444

Re: The Danger of higher-yielding bond funds

FillorKill wrote:simply swapping REIT for HY results in a portfolio that is clearly superior.


That WAS clearly superior. Is/will be are not especially forecastable.
by z3r0c00l
Wed Jul 22, 2015 9:33 pm
Forum: Investing - Help with Personal Investments
Topic: Too good to be true? vgenx or vgpmx
Replies: 48
Views: 12188

Re: Too good to be true? vgenx or vgpmx

Down another 15% from the time this thread started, and down 25% off a recent high of $10. Wouldn't be shocked to see it hit $5 soon. Or it could go to $40 in a year. Steer clear big tuna, head for open index waters.
by z3r0c00l
Wed Jul 22, 2015 6:23 am
Forum: Investing - Help with Personal Investments
Topic: Huge Mistake, Bought PBYI, Now What?
Replies: 26
Views: 3949

Re: Huge Mistake, Bought PBYI, Now What?

I would hold it for 10 years and then see what it does. That is the point of play money, to take chances on long shots in the hopes of a 1000% return.
by z3r0c00l
Mon Jul 13, 2015 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: I-Savings Bonds
Replies: 53
Views: 7989

Re: I-Savings Bonds

Also a 2nd tier to the emergency fund. Buying $10,000 a year until I hit 12 months of expenses (later this year). Will hold off on getting any more at that point probably.
by z3r0c00l
Thu Jul 02, 2015 5:16 am
Forum: Investing - Help with Personal Investments
Topic: invest some or keep in cash - emergency fund
Replies: 8
Views: 1127

Re: invest some or keep in cash - emergency fund

If $35,000 is enough, then $60,000 is too much. I would DCA that money into your regular investments. If you want to split the difference, put the money in bonds giving you a slightly more conservative AA but still more risky/rewardy than cash.
by z3r0c00l
Wed Jul 01, 2015 9:43 pm
Forum: Investing - Help with Personal Investments
Topic: Horrible fund choices
Replies: 9
Views: 1309

Re: Horrible fund choices

Here's hoping that they will at least add the option of a self managed account, say with a $100 a year fee or something. Maybe they will even be convinced to offer better options some day but that is not so likely. Do you think it may be too soon to contact HR about this since you just started? Mayb...
by z3r0c00l
Sun Jun 28, 2015 9:06 pm
Forum: Investing - Theory, News & General
Topic: Puerto Rico Governor Says Island’s Debts Are ‘Not Payable’
Replies: 37
Views: 4084

Re: Greece or Puerto Rico?

It seems unlikely that any nation could ever recover from debt of many years of GDP. They can perhaps kick it down the road for a long time, decades, but in the long run... Maybe with sudden and intense inflation? In any event, the big difference here is the fact that PR can always be covered by the...
by z3r0c00l
Sun Jun 28, 2015 5:42 pm
Forum: Investing - Theory, News & General
Topic: The next Lehman - this week? [Greek default]
Replies: 237
Views: 30643

Re: Greece impact on US markets Monday morning

Actually comes at a perfect time since I have to rebalance about now anyway.
by z3r0c00l
Sat Jun 27, 2015 2:43 pm
Forum: Investing - Theory, News & General
Topic: Why tilt to bonds in retirement?
Replies: 29
Views: 4579

Re: Why tilt bonds in retirement?

rca1824 wrote:
z3r0c00l wrote:My broken record line is required here; run the historical simulation for Japan.


Why would I invest 100% in a single country. I use global cap weights.



Okay, then run it for 1929.
by z3r0c00l
Fri Jun 26, 2015 6:31 am
Forum: Personal Finance (Not Investing)
Topic: Pay student loan off at 2.875%? - otherwise, 14 years to go
Replies: 52
Views: 6835

Re: Pay student loan off at 2.875%? - otherwise, 14 years to go

What if we derive satisfaction from hearing you plan to pay this down right away? Having such a small amount left would drive me crazy, would rather just get it over with.

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