Search found 7172 matches

by Call_Me_Op
Mon Apr 22, 2019 11:40 am
Forum: Personal Consumer Issues
Topic: Central A/C Question
Replies: 5
Views: 439

Central A/C Question

I have a 14 year-old Carrier 3-ton A/C system. My understanding is that central A/C systems should not be run if the outdoor temperature is below (say) 55F to 60F. I guess the reason for this is that the refrigerant can condense, and that can cause problems. Does anyone know how long the system need...
by Call_Me_Op
Sun Apr 21, 2019 6:34 am
Forum: Investing - Theory, News & General
Topic: Efficient Markets Indeed
Replies: 40
Views: 3007

Re: Efficient Markets Indeed

Are you willing to tell us your understanding of the term efficient markets ? PJW Was just being sarcastic with the title. But I'd venture to say that the price of a stock going up hundreds of times because it gets confused with a different company doesn't seem very efficient! That has nothing to d...
by Call_Me_Op
Fri Apr 19, 2019 7:02 am
Forum: Personal Finance (Not Investing)
Topic: I’m a Loser Stuck in a Dead End Job
Replies: 63
Views: 7775

Re: I’m a Loser Stuck in a Dead End Job

Way too hard on yourself for a 30 year old. You really have just started out. You have your entire adult life ahead of you. Stop focusing on the past and start creating the future you want.
by Call_Me_Op
Fri Apr 19, 2019 6:52 am
Forum: Investing - Theory, News & General
Topic: This could be the biggest risk that retirees face?
Replies: 117
Views: 8100

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

David Jay wrote:
Thu Apr 18, 2019 8:06 pm
CULater wrote:
Thu Apr 18, 2019 7:56 pm
How best to manage this tail risk for the Average Joe and Josephine?
How about just setting an SWR that is under 4%?
Too easy. What will they have to write about?
by Call_Me_Op
Fri Apr 19, 2019 6:50 am
Forum: Personal Investments
Topic: Thinking about selling stocks near all time highs
Replies: 96
Views: 8366

Re: Thinking about selling stocks near all time highs

OP,

What does your IPS say you should do?
by Call_Me_Op
Tue Apr 09, 2019 8:58 am
Forum: Personal Investments
Topic: Is there a section to discuss individual stocks?
Replies: 5
Views: 385

Re: Is there a section to discuss individual stocks?

Hello all! My first post and I'm looking forward to becoming the best I can be as an investor. I'm looking at investing in a couple of stocks, specifically GE and BLK however I see no forum section here for this. Is there a forum to do this? Is it not common to ask about specific stocks here? Thank...
by Call_Me_Op
Wed Apr 03, 2019 6:49 am
Forum: Non-US Investing
Topic: Your opinion on debt?
Replies: 111
Views: 6485

Re: Your opinion on debt?

I have noticed that many people seem to see debt mainly as a burden. Some even take special pride in being 100% debt-free. I see debt merely as an agreement from which both parties usually benefit. Being debt-free is safe and may be good psychologically, but usually it's not the smartest position t...
by Call_Me_Op
Tue Apr 02, 2019 5:53 am
Forum: Investing - Theory, News & General
Topic: What is the Boglehead opinion of the inverted yield curve?
Replies: 63
Views: 5020

Re: What is the Boglehead opinion of the inverted yield curve?

One Boglehead's opinion on inverted yield curve: To quote Spock, "It simply exists."
by Call_Me_Op
Sun Mar 31, 2019 7:20 am
Forum: Personal Investments
Topic: Rethinking investments
Replies: 11
Views: 1223

Re: Rethinking investments

Sure, dividends generally do not change as drastically, but unless you are very wealthy and living off of dividends entirely, it can be very painful (emotionally and financially) to see your portfolio value go down the tubes. Also, in many cases cited above, the dividend payouts do (in dollar terms)...
by Call_Me_Op
Sun Mar 31, 2019 7:01 am
Forum: Personal Investments
Topic: Rethinking investments
Replies: 11
Views: 1223

Re: Rethinking investments

Hello, I am retired and now hitting 59 1/2 years old. I have a taxable brokerage account and a traditional IRA. I have made my primary holdings VTI, SPY, QQQ. I'm close to fully invested in my taxable (funds and other stocks) but have 70% of my IRA in Vangaurd Prime Money Market (VMMXX). The VMMXX ...
by Call_Me_Op
Thu Mar 28, 2019 6:50 am
Forum: Investing - Theory, News & General
Topic: A Profile of Larry Swedroe
Replies: 3
Views: 953

Re: A Profile of Larry Swedroe

Random Walker,

Do you know of ETFs that cover the 4 alternative investments that Larry recommends (equity-like returns with less risk)?
by Call_Me_Op
Wed Mar 27, 2019 11:57 am
Forum: Investing - Theory, News & General
Topic: I hate bonds
Replies: 116
Views: 12866

Re: I hate bonds

I feel I have a relatively good grasp on stock market funds, how they work, why you choose this fund or that fund,but bonds are way more complicated in my opinion. Interesting - a security that pays a fixed rate of interest for a fixed time period, at the end of which the principal is returned to y...
by Call_Me_Op
Tue Mar 26, 2019 5:31 am
Forum: Investing - Theory, News & General
Topic: Submit questions for Allan Roth, my next "Bogleheads on Investing" podcast guest
Replies: 22
Views: 1827

Re: Submit questions for Allan Roth, my next "Bogleheads on Investing" podcast guest

Hi Rick, I know that Allan has spoken in the past about the risks of muni bonds. I would be interested in hearing from him what his concerns would be relative to someone having their entire taxable bond allocation in muni bonds - in a conservative fund such as Vanguard Intermediate-Term Tax Exempt B...
by Call_Me_Op
Sat Mar 23, 2019 10:49 am
Forum: Investing - Theory, News & General
Topic: 10 Year/3 Month Treasuries Inversion
Replies: 100
Views: 8257

Re: 10 Year/3 Month Treasuries Inversion

No action planned.
by Call_Me_Op
Fri Mar 22, 2019 8:41 am
Forum: Personal Consumer Issues
Topic: When your responsibility to your children ends?
Replies: 76
Views: 6884

Re: When your responsibility to your children ends?

I have a disabled brother (about age 60) that still drives my parents (and the rest of the family) crazy and is a huge burden. So it may never end.
by Call_Me_Op
Tue Mar 19, 2019 6:58 am
Forum: Investing - Theory, News & General
Topic: Time to Scrap 'Emerging Markets'? WSJ article
Replies: 38
Views: 4640

Re: Time to Scrap 'Emerging Markets'? WSJ article

If I put my money into US stocks I know that there are accounting standards and serious laws that back them up. Even then there are swindles that happen regularly. Maybe I have watched too many lurid movies, but I strongly suspect that the less developed the country, the more ways there are to sepa...
by Call_Me_Op
Tue Mar 19, 2019 6:52 am
Forum: Investing - Theory, News & General
Topic: "How to Build a Portfolio You Don't Have to Babysit"
Replies: 18
Views: 2648

Re: "How to Build a Portfolio You Don't Have to Babysit"

The only problem I have with a "don't peak" approach to my accounts is that all mutual fund companies that have a fraud guarantee require that you check your account frequently and report any fraudulent activity in a timely manner. Thoughts?
by Call_Me_Op
Sun Mar 17, 2019 7:38 am
Forum: Investing - Theory, News & General
Topic: Rick and Larry on Bloomberg 3/13
Replies: 12
Views: 1847

Re: Rick and Larry on Bloomberg 3/13

Also, Rick seems to strongly feel the days of 1% AUM are ending fast. Host seemed to be trying to get Larry to say something positive about active management. He didn’t budge. He did clearly say though that there are smart competitive people that can produce alpha; active loses because of costs. Da...
by Call_Me_Op
Sun Mar 17, 2019 7:06 am
Forum: Personal Investments
Topic: Today's 10 year Treasury movement
Replies: 18
Views: 2224

Re: Today's 10 year Treasury movement

Noise
by Call_Me_Op
Sun Mar 17, 2019 7:03 am
Forum: Personal Investments
Topic: Risk averse portfolio for an early retiree?
Replies: 45
Views: 4306

Re: Risk averse portfolio for an early retiree?

This is not even close. Almost any AA will do.
by Call_Me_Op
Tue Mar 05, 2019 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Underpayment Penalty
Replies: 4
Views: 456

Underpayment Penalty

This may sound rather non-Bogleheadish, but I do not make estimated tax payments and always end-up owing a fair chunk at tax time, and usually owe an underpayment penalty on top of that. Historically, I figured that I was not losing much by doing it this way because the Government would just charge ...
by Call_Me_Op
Mon Mar 04, 2019 10:36 am
Forum: Personal Consumer Issues
Topic: Convince aging parents to pay for snow removal
Replies: 64
Views: 3546

Re: Convince aging parents to pay for snow removal

sawhorse wrote:
Sun Mar 03, 2019 9:47 pm
Both of my parents are in their 70s. Last winter, after loads of nagging, they reluctantly agreed to pay people to shovel their snow.
My dad is in his 80's and insists on doing it with a shovel. And he is in snow country. They don't make 'em like they used to.
by Call_Me_Op
Sun Mar 03, 2019 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Safest way to pay tax due
Replies: 17
Views: 1274

Re: Safest way to pay tax due

HueyLD wrote:
Sun Mar 03, 2019 7:38 am
Call_Me_Op wrote:
Sun Mar 03, 2019 7:32 am
I just did my taxes and owe a substantial sum. I am seeking opinion on the safest way (least subject to catastrophic fraud) to pay the tax bill - check, IRS_Direct, other?
IRS Direct Pay https://directpay.irs.gov/directpay/pay ... ution=e1s1
Did it this way, for better or worse.
by Call_Me_Op
Sun Mar 03, 2019 3:13 pm
Forum: Investing - Theory, News & General
Topic: Current treasury yield curve inversion and CD rates
Replies: 5
Views: 701

Re: Current treasury yield curve inversion and CD rates

No way to know. Yield curve inversion is not a consistent predictor of recession - and right now the yield curve is essentially flat. I would stay the course regardless.
by Call_Me_Op
Sun Mar 03, 2019 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Safest way to pay tax due
Replies: 17
Views: 1274

Re: Safest way to pay tax due

student wrote:
Sun Mar 03, 2019 7:33 am
Are you filing it online? If so, just let them take it out of your checking/savings account.
Too late. I already efiled. I did not feel comfortable giving Taxact my bank account information. May not be rational, but that was my feeling at the moment.
by Call_Me_Op
Sun Mar 03, 2019 7:32 am
Forum: Personal Finance (Not Investing)
Topic: Safest way to pay tax due
Replies: 17
Views: 1274

Safest way to pay tax due

I just did my taxes and owe a substantial sum. I am seeking opinion on the safest way (least subject to catastrophic fraud) to pay the tax bill - check, IRS_Direct, other?
by Call_Me_Op
Fri Mar 01, 2019 9:05 am
Forum: Personal Investments
Topic: What did wise people do with their investments in 2008
Replies: 102
Views: 7046

Re: What did wise people do with their investments in 2008

Those considered wise are only considered wise in hindsight. Since anything could have happened, this question cannot really be answered in a meaningful way. I would say those who were wise had enough in safe investments that they could have lost at least half of their equities without panicking. Bu...
by Call_Me_Op
Thu Feb 28, 2019 8:30 am
Forum: Investing - Theory, News & General
Topic: Uncorrelated Asset Classes
Replies: 89
Views: 5216

Re: Uncorrelated Asset Classes

stocks, bonds, and real estate. There are really only 3 fundamentally distinct asset classes with positive expected real return.
by Call_Me_Op
Tue Feb 26, 2019 12:49 pm
Forum: Investing - Theory, News & General
Topic: "Warren Buffett says if you invested $10,000 in the S&P 500 in 1942, you'd have $51 million today"
Replies: 110
Views: 7327

Re: "Warren Buffett says if you invested $10,000 in the S&P 500 in 1942, you'd have $51 million today"

10,000 in small-cap value (SCV) in 1972 would give you 4.7 million today. Imagine what would have happened had you invested 10,000 into SCV in 1942!
by Call_Me_Op
Tue Feb 26, 2019 7:58 am
Forum: Personal Investments
Topic: Tiaa Cref 403b Portfolio Asset allocation
Replies: 21
Views: 1477

Re: Tiaa Cref 403b Portfolio Asset allocation

Welcome to the forum! My wife is 65 and has a 403b with Tiaa Cref She plans on working another 5 years. Am considering an asset allocation of: 45% domestic stocks, 15% International stocks, and 40% bonds Size of the portfolio $109,000 Please help with the asset allocation percentages and the approp...
by Call_Me_Op
Sun Feb 24, 2019 8:11 am
Forum: Investing - Theory, News & General
Topic: Questions for Mike Piper - Next "Bogleheads on Investing" guest
Replies: 22
Views: 2545

Re: Questions for Mike Piper - Next "Bogleheads on Investing" guest

Hi Rick,

I would be interested in hearing Mike's thoughts on when a single person should start taking Social Security. Is it always better to wait until age 70 if one can (given that we cannot generally predict lifespan)?
by Call_Me_Op
Sun Feb 24, 2019 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Personal Liability Umbrella Policy question & "tuning"
Replies: 47
Views: 3481

Re: Personal Liability Umbrella Policy question & "tuning"

^ not rare, they usually settle for the limit. The case we're looking for is where a 1M settlement offer is rejected, then the trial is lost, then an award over 1M is handed out. The important thing is foreseeable negligence is avoidable. "Accidents" are not foreseeable "I would not be comfortable ...
by Call_Me_Op
Fri Feb 22, 2019 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Personal Liability Umbrella Policy question & "tuning"
Replies: 47
Views: 3481

Re: Personal Liability Umbrella Policy question & "tuning"

boglerdude wrote:
Fri Feb 22, 2019 1:07 am
Youre more likely to get hit by lightning than to have a 1M settlement offer rejected. Yet no one considers lightning insurance. 1M umbrella is sufficient. Dash cams are a good idea too.
I would not be comfortable with 1M in coverage if I had several M in assets.
by Call_Me_Op
Wed Feb 20, 2019 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Personal Liability Umbrella Policy question & "tuning"
Replies: 47
Views: 3481

Re: Personal Liability Umbrella Policy question & "tuning"

I am amazed at how many people just accept it when told "get an amount equal to your assets" without questioning why that would protect you. In all of the discussions of umbrella insurance we have had on this site. nobody has been able to provide a solid guideline for how much insurance one needs - ...
by Call_Me_Op
Mon Feb 18, 2019 4:04 pm
Forum: Investing - Theory, News & General
Topic: Why is higher deficit not leading to higher interest rates?
Replies: 70
Views: 3439

Re: Why is higher deficit not leading to higher interest rates?

If a person or a business continues to spend more than their income they are in a higher risk pool. And their subsequent borrowing usually will be at a higher interest rate. Why doesn’t that happen with US deficit? The average person cannot print their own money (last time I checked). Since the gov...
by Call_Me_Op
Mon Feb 18, 2019 3:59 pm
Forum: Personal Investments
Topic: Ride It Out Or Not?
Replies: 18
Views: 1116

Re: Ride It Out Or Not?

With all do respect you are thinking about this all wrong. You can't say that you have found the right AA and then go on to wonder what you would do if "the market turns bearish."
by Call_Me_Op
Mon Feb 18, 2019 3:56 pm
Forum: Personal Investments
Topic: “Won the Game” how do you know?
Replies: 96
Views: 8104

Re: “Won the Game” how do you know?

It means different things to different people. To some it is having 25X expenses saved enough to sustain a (4%) withdrawal rate To some it is having 33X expenses saved enough to sustain a (3%) withdrawal rate To others it is having 50X expenses saved enough to sustain a (2%) withdrawal rate and I a...
by Call_Me_Op
Mon Feb 18, 2019 2:23 pm
Forum: Investing - Theory, News & General
Topic: Bucket strategy fails according to study
Replies: 17
Views: 3011

Re: Bucket strategy fails according to study

Typically, bucket strategies are narrowly defined such that they do not allow rebalancing into risky assets. This places them at an artificial disadvantage. Fundamentally, a bucket strategy is simply a segmentation of assets and by definition, works fine.
by Call_Me_Op
Mon Feb 18, 2019 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Losing a job in your 50's...
Replies: 375
Views: 41027

Re: Losing a job in your 50's...

What I have not heard discussed (probably because discussed so much in other threads) is the following. If one is say 55 and loses his or her job, what portfolio size (in terms of multiple of current yearly expenses) would be adequate for the person to feel comfortable just deciding not to seek wor...
by Call_Me_Op
Mon Feb 18, 2019 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Losing a job in your 50's...
Replies: 375
Views: 41027

Re: Losing a job in your 50's...

What I have not heard discussed (probably because discussed so much in other threads) is the following. If one is say 55 and loses his or her job, what portfolio size (in terms of multiple of current yearly expenses) would be adequate for the person to feel comfortable just deciding not to seek wor...
by Call_Me_Op
Mon Feb 18, 2019 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Losing a job in your 50's...
Replies: 375
Views: 41027

Re: Losing a job in your 50's...

What I have not heard discussed (probably because discussed so much in other threads) is the following. If one is say 55 and loses his or her job, what portfolio size (in terms of multiple of current yearly expenses) would be adequate for the person to feel comfortable just deciding not to seek work...
by Call_Me_Op
Mon Feb 18, 2019 7:27 am
Forum: Investing - Theory, News & General
Topic: The WORST Morningstar Style Category In 2018
Replies: 34
Views: 2892

Re: The WORST Morningstar Style Category In 2018

Nobody ever claimed (I hope) that SCV has beaten other stock asset categories over all short time periods. However, the fact is that over rolling 40 year time periods, it on average has beaten the pants off of other stock asset categories.
by Call_Me_Op
Sat Feb 16, 2019 8:00 am
Forum: Investing - Theory, News & General
Topic: Did you get spooked by the December 2018 fall and gave up on passive?
Replies: 133
Views: 7525

Re: Did you get spooked by the December 2018 fall and gave up on passive?

Why would you be surprised that the stock market fluctuates? This fact is on par with weather variations in New England.
by Call_Me_Op
Mon Feb 11, 2019 8:17 am
Forum: Personal Investments
Topic: TIPs Question
Replies: 4
Views: 353

Re: TIPs Question

TIPS always provide protection against unexpected inflation - and that is all they do. No need to cite a particular point in time or interest rates as this is the definition of what TIPS do.
by Call_Me_Op
Mon Feb 11, 2019 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Did you investigate your partner's financial background before committing?
Replies: 99
Views: 5757

Re: Did you investigate your partner's financial background before committing?

I would date the person long enough and ask enough questions (carefully observing responses) to have a very good idea who I am dealing with before contemplating marriage. If I need to hire a PI - then I do not know the person well enough and should not even think about marriage. I once had a woman (...
by Call_Me_Op
Sun Feb 10, 2019 8:26 am
Forum: Investing - Theory, News & General
Topic: How "Safe" is Your Bond Fund?
Replies: 43
Views: 4106

Re: How "Safe" is Your Bond Fund?

This is why I am very specific in terms of what fixed-income I own - at least in accounts where I have access to a broad array of options. These ultra-short bond funds are notorious for reaching for yield and getting hammered. If I want safety in my fixed-income, I stick with CDs (both direct and br...
by Call_Me_Op
Sun Feb 10, 2019 8:18 am
Forum: Investing - Theory, News & General
Topic: Tax efficient and FDIC insured
Replies: 11
Views: 1176

Re: Tax efficient and FDIC insured

Savings bonds are tax efficient - and are even safer than FDIC-insured instruments.
by Call_Me_Op
Sat Feb 09, 2019 10:44 am
Forum: Investing - Theory, News & General
Topic: When to add safety?
Replies: 10
Views: 1010

Re: When to add safety?

safety from what? in the long run stocks are actually safer than bonds If you were to put 40% or so in treasuries and the rest in S&P..from what I can see, you would get 90% or so of the return, but only about 60% or so of the downturn when things are down. Don't say "would get", but instead say "w...
by Call_Me_Op
Sat Feb 09, 2019 10:35 am
Forum: Investing - Theory, News & General
Topic: Can you rebalance your way to $0?
Replies: 35
Views: 2797

Re: Can you rebalance your way to $0?

As stated above, theoretically possible but highly improbable. To completely protect against this, just define a floor for your assets. If rebalancing will drop you below the floor , do not do it. Very simple way to fail safe your portfolio. If you do this, the investment in question is free to go t...
by Call_Me_Op
Sun Feb 03, 2019 8:46 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: 3% is the new 4%
Replies: 516
Views: 35218

Re: Larry Swedroe: 3% is the new 4%

I thought this interview was excellent. If you want a good summary, start listening at 1:00 hrs, at which time the host gives a very good summary.