Search found 50 matches

by centennialstate
Wed Jul 22, 2020 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Rifi
Replies: 3
Views: 345

Re: Mortgage Rifi

$126K @ 4%
by centennialstate
Wed Jul 22, 2020 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Rifi
Replies: 3
Views: 345

Mortgage Rifi

I've been trying to buy a "dream house" for a few years now and haven't found it. I probably have 5 years left on my current mortgage, but can't help but think about refinancing to save money with these low rates. Obviously recovering closing costs before I move is the main consideration. That has l...
by centennialstate
Fri May 29, 2020 8:47 pm
Forum: Investing - Theory, News & General
Topic: Yahoo! Finance as a Resource
Replies: 2
Views: 450

Yahoo! Finance as a Resource

Are there any market research resources out there besides Yahoo! Finance that check all of these boxes? (a) free to use, with or without an account (b) clean, user-friendly phone app (c) customizeable watchlist for your portfolio (d) adequate data for quick and accurate research (e) linking options ...
by centennialstate
Fri May 22, 2020 10:34 am
Forum: Investing - Theory, News & General
Topic: REITs and Tax Efficiency
Replies: 2
Views: 181

REITs and Tax Efficiency

A. Why are REITs tax-inefficient? Does it have something to do with the way cash flows work in the business? Or the high dividends?

B. Are there other market sectors that are similarly tax-inefficient?
by centennialstate
Tue Apr 28, 2020 10:39 pm
Forum: Personal Investments
Topic: Why shouldn’t I do this?
Replies: 43
Views: 2453

Re: Why shouldn’t I do this?

You must have taken a wrong turn back somewhere around Google. The bulk of my holdings in my retirement accounts will stay untouched. But I won’t be able to forgive myself for missing this historic opportunity to make boat loads of money. Sorry I could have been kinder. What I mean to say is: A. Sa...
by centennialstate
Tue Apr 28, 2020 10:33 pm
Forum: Investing - Theory, News & General
Topic: Estimating Future Returns
Replies: 28
Views: 1358

Re: Estimating Future Returns

Thanks y'all.
by centennialstate
Tue Apr 28, 2020 10:15 pm
Forum: Personal Investments
Topic: Why shouldn’t I do this?
Replies: 43
Views: 2453

Re: Why shouldn’t I do this?

You must have taken a wrong turn back somewhere around Google.
by centennialstate
Mon Apr 27, 2020 4:14 pm
Forum: Investing - Theory, News & General
Topic: Estimating Future Returns
Replies: 28
Views: 1358

Estimating Future Returns

What are the various equations that bogleheads use for estimating future stock returns? I've seen on the wiki the projections themselves, but not the way that they were computed. I'd also appreciate knowing WHERE the variables can be found if it's not already straightforward. For example, I've read ...
by centennialstate
Sun Apr 26, 2020 4:07 pm
Forum: Personal Investments
Topic: Stop me from buying individual stocks...
Replies: 27
Views: 1975

Re: Stop me from buying individual stocks...

Buy the sector index in a heavier-than-normal weighting if and only if the sector index already fits into your overall long term strategy. Because if the investment doesn't belong in your strategy, you'll part with it when you shouldn't. And the sector is of course far safer than individual stocks.
by centennialstate
Sun Apr 26, 2020 3:58 pm
Forum: Personal Investments
Topic: Are ETFs Really That Safe?
Replies: 61
Views: 7815

Re: Are ETFs Really That Safe?

People make the mistake of thinking about ETFs as an asset class. It's like saying "beverages are dangerous." What matters is what's in the glass. Milk is good for you. Acetone, not so much. If you have in ETFs what you can also have in traditional mutual funds, and the contents are Bogleheadian, th...
by centennialstate
Sat Apr 25, 2020 10:13 pm
Forum: Investing - Theory, News & General
Topic: Economic Performance vs Financial Performance
Replies: 6
Views: 481

Economic Performance vs Financial Performance

Why is it that there is an inverse relationship between an economy's performance and the performance of it's corresponding financial markets? This phenomenon is mentioned in Bernstein's Manifesto but IMHO not adequately explained. I've also heard this phenomenon mentioned recently by Dahlio but I ha...
by centennialstate
Mon Apr 13, 2020 9:00 pm
Forum: Personal Investments
Topic: Value Averaging Insights
Replies: 6
Views: 352

Re: Value Averaging Insights

OP, can you summarize the basic mechanics of VA? I read about it a long time ago and it involved keeping some amount of your portfolio in cash or cash equivalent when market returns exceeds your target return. Is this the case with approach described by Mr. Bernstein. If it means that you put in ne...
by centennialstate
Mon Apr 13, 2020 7:39 pm
Forum: Personal Investments
Topic: Value Averaging Insights
Replies: 6
Views: 352

Value Averaging Insights

I just finished "The Investor's Manifesto" by William Bernstein. I was enlightened by the extremely brief description of Value Averaging, not because it was a new concept to me, but because it gave a name to a system that I already employ. He calls Value Averaging the most powerful technique that he...
by centennialstate
Thu Apr 09, 2020 10:36 pm
Forum: Personal Consumer Issues
Topic: What Non-Finance Forums?
Replies: 19
Views: 1601

Re: Fora is the plural

Bogle7 wrote:
Thu Apr 09, 2020 10:22 pm
Early-Retirement.org
City-Data.com
Slashdot.org
Fark.com
Fora is the plural? You just blew my mind.
by centennialstate
Thu Apr 09, 2020 9:51 pm
Forum: Personal Consumer Issues
Topic: What Non-Finance Forums?
Replies: 19
Views: 1601

What Non-Finance Forums?

What helpful, non-finance related forums do Bogleheads read and find helpful? I personally like Starting Strength (a weightlifting forum with top-notch content) and I used to really like Get Off The X (a self-defense related forum that no longer exists...I've seen you gun guys on here :wink: ).
by centennialstate
Wed Apr 01, 2020 8:56 pm
Forum: Investing - Theory, News & General
Topic: Investments you wouldn't touch with a 10 foot pole
Replies: 110
Views: 9391

Re: Investments you wouldn't touch with a 10 foot pole

I'm the anti-govt bond guy. To answer a question from earlier, I'm 100% US stocks. Also I prefer not to sell crack to crack smokers.😁
by centennialstate
Mon Mar 30, 2020 9:35 pm
Forum: Investing - Theory, News & General
Topic: Investments you wouldn't touch with a 10 foot pole
Replies: 110
Views: 9391

Re: Investments you wouldn't touch with a 10 foot pole

Government bonds. While popular, not capital investment, not supportive of free-market principles.
by centennialstate
Sun Mar 29, 2020 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Recommend a book for THIS point in time?
Replies: 13
Views: 1094

Re: Recommend a book for THIS point in time?

I started "The Investor's Manifesto" before the Corona Virus panic hit the US. https://www.amazon.com/William-Bernstein-Author-Investors-Manifesto/dp/B01GEXOGRO/ref=sr_1_12?dchild=1&keywords=william+bernstein+manifesto&qid=1585531294&sr=8-12 I'm about halfway through. And what I found most compellin...
by centennialstate
Sun Mar 29, 2020 4:36 pm
Forum: Personal Investments
Topic: New to Bonds Part 2
Replies: 4
Views: 394

New to Bonds Part 2

I asked some very general questions about bonds a couple days ago and I'd love more input if anybody feels inclined to inclined to enlighten a bond newbie: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=309844&p=5139484#p5139484 In addition to this, I'd love to know what bogleheads think about...
by centennialstate
Fri Mar 27, 2020 8:43 pm
Forum: Personal Investments
Topic: New to Bonds
Replies: 2
Views: 245

New to Bonds

I've never been a bond investor. I understand that with stocks it's advantageous to buy low. However, I'm not so clear about bonds. It's my understanding that the current yield is what it is, minus default rate. Meaning that there's never a chance of earning a higher yield than the current yield at ...
by centennialstate
Fri Mar 13, 2020 11:04 pm
Forum: Personal Consumer Issues
Topic: Transitioning weightlifting from gym to home
Replies: 20
Views: 1260

Re: Transitioning weightlifting from gym to home

Traditional barbells and the corresponding plates are worth their weight in gold, and can often be found on Craigslist cheap. Start listening to Starting Strength Radio on YouTube or Spotify.
by centennialstate
Fri Mar 13, 2020 10:59 pm
Forum: Investing - Theory, News & General
Topic: Some good news
Replies: 15
Views: 2000

Re: Some good news

Mr. Market is incapacitated and sipping a hot toddy while shivering. Doesn't even realize he hasn't caught the Corona Virus. Perfect time to go through his drawers and personal belongings, taking all he'll easily give up.
by centennialstate
Fri Mar 13, 2020 11:18 am
Forum: Personal Investments
Topic: Schwab not working
Replies: 1
Views: 287

Schwab not working

I can't buy or live chat on Schwab today. Anybody having the same issue?
by centennialstate
Sun Mar 08, 2020 7:43 pm
Forum: Investing - Theory, News & General
Topic: Interpreting Tickers
Replies: 4
Views: 234

Interpreting Tickers

Help me understand tickers. I know that green means it went up and red means it went down. But the percentage shown is compared to how long ago? If my fund says -1.25%, is that from 5 minutes ago? From yesterday? Previous close? 1 minute ago? I'm obviously referring to when markets are open, because...
by centennialstate
Thu Mar 05, 2020 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4663
Views: 905300

Re: What's Your Credit Card Rewards Strategy?

Goal: fund our habits of golfing, fishing, hunting for the year. About $600 for our family. Rewards: 2% on everything. We use it for all monthly expenses. If the mortgage company allowed payments, we'd do that too. Of course we pay off monthly. Card: FNBO Visa. Thoughts: Having a card through your b...
by centennialstate
Thu Mar 05, 2020 2:07 pm
Forum: Investing - Theory, News & General
Topic: Where My 100% Equities Peeps At?!?
Replies: 211
Views: 21146

Re: Where My 100% Equities Peeps At?!?

abuss368 wrote:
Thu Mar 05, 2020 1:50 pm
I would expect the 100% stock threads to pull back during this market environment. The best approach would be to tune out the market noise and stay the course.
This is the best time to be 100/0! That is, if you're in for the long haul. I've found my people on this forum...
by centennialstate
Thu Mar 05, 2020 7:07 am
Forum: Personal Investments
Topic: The 100% Stock Portfolio
Replies: 12
Views: 1557

The 100% Stock Portfolio

Somebody posted about 100% stock portfolios a few days ago, specifically with reference to the current volatile market conditions: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=305442&start=50 I'd like to elicit feedback about a 100% stock portfolio, from a more philosophical perspective. I'...
by centennialstate
Wed Mar 04, 2020 6:32 pm
Forum: Investing - Theory, News & General
Topic: I want to learn more about the Federal Reserve
Replies: 15
Views: 1085

Re: I want to learn more about the Federal Reserve

Start listening to Peter Schiff's podcast.
by centennialstate
Wed Mar 04, 2020 2:13 pm
Forum: Personal Investments
Topic: What Individual stocks are you buying?
Replies: 123
Views: 9801

Re: What Individual stocks are you buying?

I basically asked the same thing yesterday: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=305786 As for me, after I regularly invest my smart money through Vanguard, I've got a few bucks left in my cash account. With that I buy Wendy's, because it's better than cash and because I'm bullish on...
by centennialstate
Tue Mar 03, 2020 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency Fund Definition?
Replies: 2
Views: 268

Emergency Fund Definition?

I see lots of folks talking about their emergency funds. My context for this is the Dave Ramsey show, where 3-6 months of expenses is recommended in a good old fashioned savings account, and it is considered a prerequisite before any investing. Is this what the BH community is referring to as well? ...
by centennialstate
Tue Mar 03, 2020 3:42 pm
Forum: Personal Investments
Topic: Where is your funny money?
Replies: 7
Views: 508

Where is your funny money?

In The Little Book on Common Sense Investing, Bogle says you can put 5% of your portfolio (and not a penny more) into single stocks or other investments. This alleviates the psychological need to do something interesting in the midst of the otherwise boring process of buying the same broadly diversi...
by centennialstate
Tue Mar 03, 2020 2:02 pm
Forum: Investing - Theory, News & General
Topic: What if Fed cut doesn't work?
Replies: 137
Views: 6531

Re: What if Fed cut doesn't work?

It's working like how hair of the dog works.
by centennialstate
Mon Mar 02, 2020 1:08 pm
Forum: Personal Investments
Topic: Am I a Market Timer?
Replies: 28
Views: 1538

Re: Am I a Market Timer?

For instance, we're in a valley right now. Do I know where the bottom is? No, and I don't care. I just know it's buy time.
by centennialstate
Mon Mar 02, 2020 1:04 pm
Forum: Personal Investments
Topic: Am I a Market Timer?
Replies: 28
Views: 1538

Re: Am I a Market Timer?

Maybe here's another way to ask my question. Is the Boglehead aversion to the periodic but consistent "buy on sale" approach based on... (A) an understanding that behavioral finance tells us that this approach will lead me to make stupid decisions in the future? Or... (B) January 15th, February 15th...
by centennialstate
Mon Mar 02, 2020 12:23 pm
Forum: Personal Investments
Topic: Am I a Market Timer?
Replies: 28
Views: 1538

Re: Am I a Market Timer?

Greg 24, 2017 was before I developed this logic. However, if you look at 2017 there are still relative peaks and valleys. I realize that the burden of proof is on me. Please post these millions of links so I can share in your knowledge.
by centennialstate
Mon Mar 02, 2020 12:19 pm
Forum: Personal Investments
Topic: Am I a Market Timer?
Replies: 28
Views: 1538

Re: Am I a Market Timer?

I've got 4 freezers...
by centennialstate
Mon Mar 02, 2020 12:10 pm
Forum: Personal Investments
Topic: Am I a Market Timer?
Replies: 28
Views: 1538

Re: Am I a Market Timer?

Haha dcabler I think it's more like breaking one of the 10 commandments as far as the diehards are concerned. But I guess what I'm asking people to do is to debunk my approach with data and logic.
by centennialstate
Mon Mar 02, 2020 11:52 am
Forum: Personal Investments
Topic: Am I a Market Timer?
Replies: 28
Views: 1538

Am I a Market Timer?

If I choose to invest in my predetermined equity funds during the 4-5 apparent low points in the year, rather than investing during a certain predetermined time of every month, does that make me a market timer? I'm not trying to "guess the bottom," just trying to get the funds that I like when they'...
by centennialstate
Sun Mar 01, 2020 7:11 pm
Forum: Investing - Theory, News & General
Topic: Where My 100% Equities Peeps At?!?
Replies: 211
Views: 21146

Re: Where My 100% Equities Peeps At?!?

I'm a 100% kind of guy. Go big or go home, and ride the roller coaster all the way...only people who jump off in the middle get hurt...
by centennialstate
Sun Aug 05, 2018 5:11 pm
Forum: Investing - Theory, News & General
Topic: Interesting Take on the 3 Fund Model
Replies: 66
Views: 4298

Re: Interesting Take on the 3 Fund Model

To MotoTrojan: No I'm not arguing what you think I am. I'm saying that my first proposed portfolio was not as aggressive as I considered it to be. When I became interested in REITs, the Vanguard index had about a 12% average annual return, and I liked that it was dividend-heavy and not necessarily c...
by centennialstate
Wed Aug 01, 2018 11:31 pm
Forum: Investing - Theory, News & General
Topic: Interesting Take on the 3 Fund Model
Replies: 66
Views: 4298

Weird Portfolio Guy Returns

[Thread merged into here, see below (next page). --admin LadyGeek] I appreciate everybody's input from my last two posts... Post #1 (theme: new guy, not from around here) https://www.bogleheads.org/forum/viewtopic.php?f=10&t=254777&p=4035699#p4035699 Post #2 (theme: guess I'm not a Boglehead after ...
by centennialstate
Mon Jul 30, 2018 9:12 pm
Forum: Investing - Theory, News & General
Topic: Interesting Take on the 3 Fund Model
Replies: 66
Views: 4298

The Guy with the Weird Portfolio

[Thread merged into here, see below. --admin LadyGeek] Hey guys, I'm the new guy who asked you all what you thought of my 1/3 REIT, 1/3 Utilities, and 1/3 Blue Chip model. After contemplating your replies and following up with a couple of specific responders, I'd love to know what you think about t...
by centennialstate
Wed Jul 25, 2018 10:43 am
Forum: Investing - Theory, News & General
Topic: Interesting Take on the 3 Fund Model
Replies: 66
Views: 4298

Re: Interesting Take on the 3 Fund Model

Thanks sreynard! I'll post my reasons for this approach for those interested. 1. I like dividends over growth. It's real money. 2. I like real estate in general. Plus the Vanguard REIT fund has a good track record. 3. For philosophical reasons, I don't care for FAANG and many of the industries in th...
by centennialstate
Wed Jul 25, 2018 12:28 am
Forum: Investing - Theory, News & General
Topic: Interesting Take on the 3 Fund Model
Replies: 66
Views: 4298

Interesting Take on the 3 Fund Model

1/3 in REIT index, 1/3 in Utilities Index, 1/3 in Blue Chips. A dividend-heavy long term plan for tax free accounts. Thoughts?