Search found 246 matches

by NibbanaBanana
Fri May 03, 2019 9:17 pm
Forum: Investing - Theory, News & General
Topic: Short BYND? (beyond meat, IPO today)
Replies: 76
Views: 4520

Re: Short BYND? (beyond meat, IPO today)

I eat meat 2-3 times a week. I eat it for health reasons. I also eat eggs regularly as well as fish. My goal is healthy and these burgers make no sense to me at all. That’s the thing, if you want burger shaped patties to taste like beef, tons of chemical garbage needs to be added making the product...
by NibbanaBanana
Tue Apr 30, 2019 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: 20 countries where 200K in retirement savings will last you decades
Replies: 232
Views: 27272

Re: 20 countries where 200K in retirement savings will last you decades

Joe, Why is India not an option ? expensive ? Very cheap living is possible but: Unchecked human overpopulation. Don't drink the water. They don't have toilet paper in India. They don't have public toilets in India. In rural India, they don't have toilets. Not to suggest in any way the toilet situa...
by NibbanaBanana
Mon Apr 29, 2019 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: 20 countries where 200K in retirement savings will last you decades
Replies: 232
Views: 27272

Re: 20 countries where 200K in retirement savings will last you decades

confusedinvestor wrote:
Sun Apr 28, 2019 10:34 pm
Joe, Why is India not an option ? expensive ?
Very cheap living is possible but:
Unchecked human overpopulation. Don't drink the water. They don't have toilet paper in India. They don't have public toilets in India. In rural India, they don't have toilets.
by NibbanaBanana
Tue Apr 23, 2019 9:05 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 902
Views: 86827

Re: "S&P 500 Index closes at record high"

Phineas J. Whoopee wrote:
Tue Apr 23, 2019 7:42 pm
What, again? This is getting repetitive.
PJW
:sharebeer
by NibbanaBanana
Fri Apr 19, 2019 9:02 pm
Forum: Investing - Theory, News & General
Topic: This could be the biggest risk that retirees face?
Replies: 117
Views: 8479

Re: This could be the biggest risk that retirees face?

Unfortunately, the risk of dementia and Alzheimer's begin to increase exponentially beginning in one's 80s. According to Larry Swedroe, one in three persons aged 85 is likely diagnosed with Alzheimer's and the risk continues to increase beyond that age. Look to your left and right at the persons st...
by NibbanaBanana
Thu Apr 18, 2019 8:53 pm
Forum: Personal Consumer Issues
Topic: Get the best deal for your cruise: Whole Food, Plant Based
Replies: 14
Views: 2005

Re: Get the best deal for your cruise: Whole Food, Plant Based

We also went WFPB after reading "How Not to Die" 3 years ago. By far the best thing I have ever done. We were vegan for 15 years previous but ate a not so great, Americanized vegan diet. The WFPB diet completely transformed us. My peers are literally dropping of cardio and cancer and I am in better ...
by NibbanaBanana
Thu Apr 18, 2019 8:42 pm
Forum: Investing - Theory, News & General
Topic: This could be the biggest risk that retirees face?
Replies: 117
Views: 8479

Re: This could be the biggest risk that retirees face?

This is exactly what annuities are for.
by NibbanaBanana
Sat Apr 13, 2019 9:44 pm
Forum: Personal Investments
Topic: Is the disaster scenario for stocks a reason not to invest or pull out of the market?
Replies: 94
Views: 7059

Re: Is the disaster scenario for stocks a reason not to invest or pull out of the market?

If the disaster scenario for investing in stocks they drop 50% the day after you invest and don't recover for 3-5 years is that really a reason to be going to cash or avoid putting new money into equities? Or do people have an even more dire scenario in mind? No. If you're in the accumulation phase...
by NibbanaBanana
Sun Apr 07, 2019 8:59 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4467
Views: 1154574

Re: What Movie Have You Recently Watched?

"What the Health" on Netflix. Highly recommended.
by NibbanaBanana
Thu Mar 21, 2019 9:06 pm
Forum: Personal Consumer Issues
Topic: Shoe Insoles
Replies: 9
Views: 786

Re: Shoe Insoles

Soles
by NibbanaBanana
Thu Mar 21, 2019 8:46 pm
Forum: Investing - Theory, News & General
Topic: The $4,026,858.95 Car or a Worry-Free Retirement?
Replies: 245
Views: 11719

Re: The $4,026,858.95 Car or a Worry-Free Retirement?

Could not agree more. Of the last four new cars we've bought
two were Geo Metros, $8000 new (49mpg highway), lasted 180K and 181K miles
one Chevy Aveo, $9800 new, daily driver with 224K miles
one Kia Reo $15000 new, 125K miles, runs and drives like new

Retiring in October at 40x.
by NibbanaBanana
Tue Mar 19, 2019 9:03 am
Forum: Personal Investments
Topic: KF's rebalancing rule for the recession
Replies: 77
Views: 3814

Re: KF's rebalancing rule for the recession

Sounds like a very good plan KlangFool. Ours is almost exactly the same except for won't be rebalancing into stocks due to higher equity AA. Kind of a modified "bucket" approach. SS is an excellent inflation adjusted annuity.
by NibbanaBanana
Mon Mar 18, 2019 9:33 pm
Forum: Personal Consumer Issues
Topic: Slow cooker vs Instant pot........
Replies: 62
Views: 4136

Re: Slow cooker vs Instant pot........

It depends on your diet. We eat a WFPB diet and the instant pot has been a life saver. Best money I ever spent. Why? Because I can cook most of the staples of our diet in a "hit one button and walk away" manner. If you want to cook something fast then you have to hang around to release the pressure ...
by NibbanaBanana
Sun Mar 17, 2019 9:28 pm
Forum: Investing - Theory, News & General
Topic: You Can Market Time At Valuation Extremes
Replies: 128
Views: 13484

Re: You Can Market Time At Valuation Extremes

Look at this chart. http://pages.stern.nyu.edu/~adamodar/Ne ... spearn.htm

Look at the increasing dividends. They almost always go up. A few drops but pretty quickly recover. (Earnings a little more volatile but still increase over time.) Don't you want in on that action?
by NibbanaBanana
Fri Mar 15, 2019 9:03 pm
Forum: Personal Investments
Topic: How much is too much of one stock in portfolio?
Replies: 17
Views: 1461

Re: How much is too much of one stock in portfolio?

30%? I did that. Twice. Here's how it went. Had 30% in MRK stock in the glory days of 2000. By the time the vioxx scandel had wrung out five years or so later, it was more like 3%. Solved that problem. Had 30% in a handful of high flying financials in 2007. Don't have to tell you how that turned out...
by NibbanaBanana
Thu Mar 14, 2019 9:14 pm
Forum: Personal Investments
Topic: What role do bonds play in your portfolio?
Replies: 75
Views: 4711

Re: What role do bonds play in your portfolio?

Vanguard is predicting ten year returns of 3-5% for US stocks and 3-5% for US bonds.
by NibbanaBanana
Thu Mar 14, 2019 9:06 pm
Forum: Personal Consumer Issues
Topic: New Oil Boiler/Indirect Hot Water Heater - Turn House Temperature Down at Night?
Replies: 20
Views: 1036

Re: New Oil Boiler/Indirect Hot Water Heater - Turn House Temperature Down at Night?

Does turning the house thermostat down at night save on burning oil/money? How low does everyone typically turn their thermostat down to at night? Thanks! What you've been told seems to be a common myth among plumbers. The answer is turning the heat down any time for any amount of time will save en...
by NibbanaBanana
Wed Feb 27, 2019 9:54 pm
Forum: Investing - Theory, News & General
Topic: Current expected return of stocks
Replies: 71
Views: 4668

Re: Current expected return of stocks

10 year annualized returns from Vanguards latest. https://personal.vanguard.com/pdf/ISGVEMO_122018.pdf
3-5% US stocks
3-5% US bonds
6-8% international stocks
by NibbanaBanana
Wed Feb 27, 2019 10:09 am
Forum: Investing - Theory, News & General
Topic: Could Vanguard be right about International Bonds?
Replies: 42
Views: 4703

Re: Could Vanguard be right about International Bonds?

The term "necessary" is what derails the conversation. If course they aren't necessary. Neither are stocks. The right question is whether or not it adds anything of value to an otherwise diversified portfolio. Even if yes, one can still choose not to include them for whatever reason. I think they a...
by NibbanaBanana
Sun Feb 24, 2019 1:42 pm
Forum: Investing - Theory, News & General
Topic: "You're More Internationally Diversified Than You (Probably) Realize"
Replies: 139
Views: 9793

Re: "You're More Internationally Diversified Than You (Probably) Realize"

Here's the distribution yields for the Vanguard index funds.

Total Stock Market 1.80
Total International Stock Market 2.88
S&P 500 1.84
Developed Markets Index 3.04
by NibbanaBanana
Thu Feb 07, 2019 9:42 pm
Forum: Investing - Theory, News & General
Topic: To What Degree Does Money Buy Happiness?
Replies: 107
Views: 5084

Re: Does Money Buy Happiness?

Money does not buy happiness, but it can prevent a lot of suffering.
by NibbanaBanana
Fri Jan 25, 2019 10:05 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle's Obituary From The Family
Replies: 48
Views: 15604

Re: Jack Bogle's Obituary From The Family

"While some mutual fund founders chose to make billions, he chose to make a difference."

Yes, this is the distinction. John Bogle worked tirelessly, his entire life, for the benefit of others.
by NibbanaBanana
Thu Jan 17, 2019 9:44 am
Forum: Investing - Theory, News & General
Topic: Tributes to Jack Bogle
Replies: 158
Views: 16005

Who Will Speak for US?

Who will speak for us now that John Bogle is dead?
Is there anyone else in the financial services industry advocating for the individual investor?
by NibbanaBanana
Thu Nov 01, 2018 9:37 pm
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 142
Views: 15222

Re: Do you meditate?

Yes. Been meditating for 8 years now. 30-60 minutes daily anapanasati (total awareness of breathing). This, along with Theravada Buddhist teachings, has totally changed the way I view the world. https://www.wisdompubs.org/book/mindfulness-plain-english https://www.wisdompubs.org/book/eight-mindful-s...
by NibbanaBanana
Fri Sep 28, 2018 9:05 pm
Forum: Personal Consumer Issues
Topic: Losing Passion for Hobbies. Cheap or normal aging?
Replies: 71
Views: 9235

Re: Losing Passion for Hobbies. Cheap or normal aging?

I am a long time meditator. Hobbies are all about gaining happiness through the senses. Taste, touch, smell, sight, sound. If you consider the mind to be a sense organ that senses ideas, emotion, excitement, stimulation, etc, then you see that the material world is about gaining happiness through th...
by NibbanaBanana
Mon Mar 12, 2018 10:12 pm
Forum: Personal Investments
Topic: REITS and Swedroe
Replies: 71
Views: 8961

Re: REITS and Swedroe

Larry said it's OK to HOLD REITs, but not to BUY REITs. And I'm saying there is no difference between holding REITs and buying REITs. This isn't a question of all-or-nothing. It's a question of logic. If an investor owns overvalued REITs, why not just sell them, and be in exactly the same position ...
by NibbanaBanana
Thu Mar 08, 2018 11:12 pm
Forum: Investing - Theory, News & General
Topic: To sell or not to sell
Replies: 39
Views: 3554

Re: To sell or not to sell

Similar situation but was about 25% individual issues. Am retiring shortly and had 0% bonds as of two years ago. From education and painful experience learned the risks of individual issues. Sold off enough individual issues to buy balanced VG mutual funds and some bond funds to bring bond allocatio...
by NibbanaBanana
Tue Feb 20, 2018 11:31 pm
Forum: Investing - Theory, News & General
Topic: What seems to matter
Replies: 25
Views: 4294

Re: What seems to matter

skor99 wrote:
Mon Feb 19, 2018 7:43 pm
This should also be coupled with the blatant age discrimination prevalent in the job market where one has a higher chance of being laid in their late 40s and 50s than in the 20s or 30s.
Ummmm....... I haven't experienced that myself.
by NibbanaBanana
Tue Feb 20, 2018 11:06 pm
Forum: Investing - Theory, News & General
Topic: What if you only live off dividends?
Replies: 316
Views: 38918

Re: What if you only live off dividends?

There is nothing inherently wrong with the strategy especially if you are simply taking the dividend yield of the S&P500 or total stock market. The issue comes in when you reach for dividends. I prefer to use a CD ladder that covers at least 10 years of expenses, with the plan to replenish each CD ...
by NibbanaBanana
Tue Feb 20, 2018 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Safe to file taxes now?
Replies: 57
Views: 5788

Re: Safe to file taxes now?

Yes, I received a corrected 1099 from VG one year. I'd wait until the beginning of April. I don't see the point in filing early really. Unless you expect a very big refund maybe.
by NibbanaBanana
Tue Feb 20, 2018 10:09 pm
Forum: Personal Consumer Issues
Topic: Trade my BMW?
Replies: 45
Views: 3344

Re: Trade my BMW?

Why can't you do maintenance, brakes, etc on a BMW if you can do them on other cars? Just curious. Never looked at a newer BMW closely.
by NibbanaBanana
Sun Feb 18, 2018 3:13 pm
Forum: Personal Investments
Topic: I reduced my exposure to US stocks before the correction.
Replies: 39
Views: 4905

Re: I reduced my exposure to US stocks before the correction.

I did the same thing just a couple weeks ago. I also think that US stocks are overpriced. But that's just my opinion. I try not to act on my opinions because oftentimes, they're wrong. But Vanguard's portfolio tester tool said "Caution: Your portfolio emphasizes growth stocks......." and "Internatio...
by NibbanaBanana
Thu Feb 15, 2018 11:05 pm
Forum: Investing - Theory, News & General
Topic: Morningstar's SWR study
Replies: 44
Views: 4283

Re: Morningstar's SWR study

excuse my ramblings, but I've been giving this SWR/retirement problem a LOT of thought over the last few years. 1) at my age/BMI/smoking status etc etc my expected lifespan is ~75 years. I'm 34 now so obviously this number likely will increase as I get older and I have to also plan for my wife howe...
by NibbanaBanana
Thu Feb 15, 2018 10:03 pm
Forum: Personal Consumer Issues
Topic: Any Creative Ways to Cut the Cable?
Replies: 49
Views: 5526

Re: Any Creative Ways to Cut the Cable?

We only had basic cable but the cost kept creeping up. It finally got up to about $40/mo. That's not a lot but we only watched PBS a few hours a week. So we just cancelled it and got rid of the TV. One of the best things I ever did.
by NibbanaBanana
Thu Feb 15, 2018 9:02 am
Forum: Investing - Theory, News & General
Topic: philosophicaleconomics predicts 4% real equity returns
Replies: 152
Views: 12471

Re: philosophicaleconomics predicts 4% real equity returns

So......... Is it maybe time to shift a higher allocation to total internal stock market index fund? Is anyone else considering putting more money into total INTL than they have US over the last few years? I've been selling US stocks, using that money and new money to buy bonds, balanced mutual fun...
by NibbanaBanana
Wed Feb 14, 2018 11:30 pm
Forum: Investing - Theory, News & General
Topic: philosophicaleconomics predicts 4% real equity returns
Replies: 152
Views: 12471

Re: philosophicaleconomics predicts 4% real equity returns

Returns still being good over the last 26 years has to do with expanding P/Es over that period right. If P/Es continue to expand on average returns will continue to be good while that happens (but eventually they likely can't expand anymore). If they stay the same returns will be good but below the...
by NibbanaBanana
Mon Feb 12, 2018 11:15 pm
Forum: Investing - Theory, News & General
Topic: Day trading for a living/career?
Replies: 95
Views: 8962

Re: Day trading for a living/career?

Stop. Learn to meditate.
by NibbanaBanana
Sun Feb 11, 2018 8:24 pm
Forum: Investing - Theory, News & General
Topic: How does one emotionally keep it together during market swings?
Replies: 118
Views: 11546

Re: How does one emotionally keep it together during market swings?

Become a student of the financial markets. Read the many good books on the history of the financial markets, bubbles, speculation and so forth. This will entirely change your perspective.

Also always remember NibbanaBanana's first rule of investing: "It's easy to be risk tolerant in a rising market."
by NibbanaBanana
Sat Feb 10, 2018 7:17 pm
Forum: Personal Consumer Issues
Topic: Jogging in the cold.
Replies: 50
Views: 4522

Re: Jogging in the cold.

Just make sure you breath through your nose. If you breath though your mouth, you can dry out your throat and lungs and possibly have some problems with bronchitis, etc. Breathing through your nose warms and humidifies the air before it gets to your lungs. My friend, who lives in Cold lake Canada, w...
by NibbanaBanana
Wed Feb 07, 2018 10:32 pm
Forum: Investing - Theory, News & General
Topic: How to short TSLA?
Replies: 50
Views: 3561

Re: How to short TSLA?

Vanguard has a tutorial on options on their website. Start here. https://investor.vanguard.com/investing ... on-trading
by NibbanaBanana
Tue Feb 06, 2018 10:07 pm
Forum: Investing - Theory, News & General
Topic: Why GNMAs Shouldn't Be Your Bond Choice
Replies: 70
Views: 6332

Re: Why GNMAs Shouldn't Be Your Bond Choice

It seems like the long-term discussion that we've had on this board about the desirability of MBS has morphed into a view that mortgage bonds, regardless of credit quality, are the absolute worst kind of bond one could ever own and should be viewed in the same category as bitcoin in terms of risk. ...
by NibbanaBanana
Tue Feb 06, 2018 9:35 am
Forum: Investing - Theory, News & General
Topic: Bitcoin in Freefall
Replies: 191
Views: 25686

Re: Bitcoin in Freefall

Fat-Tailed Contagion wrote:
Tue Feb 06, 2018 1:16 am
What's the Bottom Call for Bitcoin?
Zero.
by NibbanaBanana
Mon Feb 05, 2018 10:56 pm
Forum: Personal Investments
Topic: Retired at 50. Staying 100% in stock Index Funds. Anyone else?
Replies: 153
Views: 17506

Re: Retired at 50. Staying 100% in stock Index Funds. Anyone else?

I started investing in 1993 and was always pretty close to 100% stocks up to a year ago. (Now 90/10) I went to M* and looked at the performance of the Vanguard Wellington fund VWELX, a balanced fund, vs the SNP index fund VFINX from 1993 to present. Well, the grand totals are exactly the same. But t...
by NibbanaBanana
Mon Feb 05, 2018 8:05 pm
Forum: Investing - Theory, News & General
Topic: changing from a Vanguard mutual fund account to a Vanguard brokerage account
Replies: 16
Views: 1661

Re: changing from a Vanguard mutual fund account to a Vanguard brokerage account

I did it with two or three accounts last summer. Maybe four, I'd have to check. It took a couple days but wasn't a big deal IIRC.
by NibbanaBanana
Sun Feb 04, 2018 7:46 pm
Forum: Investing - Theory, News & General
Topic: Why GNMAs Shouldn't Be Your Bond Choice
Replies: 70
Views: 6332

Re: Why GNMAs Shouldn't Be Your Bond Choice

Valuethinker wrote:
Sun Feb 04, 2018 11:45 am

You posed a question, and it's got a least 3 possible answers (which could add to 100%, or one could be 120% one way and the other -20% the other and the third 0%):
Okay. So what are they for Total Bond?
by NibbanaBanana
Sat Feb 03, 2018 11:07 pm
Forum: Investing - Theory, News & General
Topic: Why GNMAs Shouldn't Be Your Bond Choice
Replies: 70
Views: 6332

Re: Why GNMAs Shouldn't Be Your Bond Choice

If there are as many smart cookies and rocket scientists out there pricing bonds as I've heard, then why wouldn't they be able to price in the extra risk? Why does the 32 year chart above look like the GNMA fund compares favorably to total bond over a long period if there's more risk? Zoom in and ob...
by NibbanaBanana
Sat Feb 03, 2018 8:07 pm
Forum: Investing - Theory, News & General
Topic: Ric Edelman: Vanguard, Other Bitcoin Deniers Will Eat Their Words
Replies: 47
Views: 7176

Re: Ric Edelman: Vanguard, Other Bitcoin Deniers Will Eat Their Words

Bitcoin just fell below $8,000 from almost $20,000 mid-December. I can see a lot of bitcoin true believers starting to get nervous and lashing out. A few I know are buying now. They see the crash as the opportunity they missed. I tried to talk them out of it but they won't listen. They all say they...
by NibbanaBanana
Mon Jan 22, 2018 10:35 pm
Forum: Investing - Theory, News & General
Topic: Vanguard opens special offices for $1 million clients
Replies: 131
Views: 35777

Re: Vanguard opens special offices for $1 million clients

One million (Flagship) invested at, say, 15bp ER, is $1500. Or did I make a mistake? Seems to me they're already doing a lot for that $1500/year. Not sure how many more services they could provide for that money.
by NibbanaBanana
Thu Jan 18, 2018 10:36 pm
Forum: Investing - Theory, News & General
Topic: Hitting The Sell Button
Replies: 226
Views: 30502

Re: Hitting The Sell Button

Sold my holding of MSFT yesterday after a long, 15+ year IIRC, relationship. Regret having to pay those taxes but will be paying off the mortgage and reducing my sequence of return risk entering retirement. Observed that MSFT was a top holding in most of the funds I own anyway.
by NibbanaBanana
Thu Jan 18, 2018 10:38 am
Forum: Investing - Theory, News & General
Topic: Nobody Knows Nothing - A Chart
Replies: 26
Views: 4810

Re: Nobody Knows Nothing - A chart

9 year annualized look fantastic. But 18 year annualized return on SNP is about 5.6% if I calculated correctly. So what should be the long term expected returns for stocks?

Just goes to show, given any set of data, you can calculate an average. But it has no predictive power whatsoever.