Search found 6656 matches

by Call_Me_Op
Thu Feb 22, 2018 1:29 pm
Forum: Investing - Theory, News & General
Topic: Evidence that retirement account ID theft is increasing
Replies: 13
Views: 2171

Re: Evidence that retirement account ID theft is increasing

The question I have is have there been cases where the stolen funds have not been reimbursed?
by Call_Me_Op
Thu Feb 22, 2018 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Is a prenup required to establish a list of separate property before marriage?
Replies: 67
Views: 2220

Re: Is a prenup required to establish a list of separate property before marriage?

I would think you will need to keep premarital assets separate from post-marital assets to have any prayer of this working.
by Call_Me_Op
Wed Feb 21, 2018 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Cyber theft insurance
Replies: 3
Views: 289

Re: Cyber theft insurance

So the government is apparently doing nothing regarding the Equifax data theft. I inquired with my homeowner's insurance company to see if they offer insurance in the event the crooks were able to steal bank or investment accounts. The insurance they offer is limited to $25,000. Equifax is offering...
by Call_Me_Op
Wed Feb 21, 2018 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Advice request: Managing Mom's Money
Replies: 11
Views: 835

Re: Advice request: Managing Mom's Money

My mom is similar in age. I have her in one of Vanguard's Lifestrategy funds. It's one-stop shopping, they do the rebalancing within the fund, t's low cost, and highly diversified. All my mom does is collect her RMD check every January.
by Call_Me_Op
Mon Feb 19, 2018 7:29 am
Forum: Personal Finance (Not Investing)
Topic: What does it mean to be "in cash"?
Replies: 21
Views: 1252

Re: What does it mean to be "in cash"?

It usually means some combination of paper money , bank accounts , brokerage money-market accounts , bank CD's, Savings Bonds , and very short-term bonds. Strictly speaking, cash is money you can easily access that does not drop in (nominal) value, so some of the categories above do not meet the str...
by Call_Me_Op
Sat Feb 17, 2018 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Short treasuries or short term bond index fund?
Replies: 13
Views: 859

Re: Short treasuries or short term bond index fund?

Hello all, Given the fact that the fed is going to raise interest rates through the year, I'm trying to figure out for my short term bond allocation in my portfolio, why I wouldn't just hold short term t-bills in my vanguard account rather than holding a short term bond index fund like VSCSX or VFS...
by Call_Me_Op
Sat Feb 17, 2018 9:12 am
Forum: Investing - Theory, News & General
Topic: ETFs a cause of market turbulence?
Replies: 13
Views: 945

Re: Index funds a cause of market turbulence?

alexkass wrote:
Sat Feb 17, 2018 7:56 am
Aren't all index funds computer driven?
No, they are talking about computers making trading decisions at very high speed.
by Call_Me_Op
Sat Feb 17, 2018 9:11 am
Forum: Personal Finance (Not Investing)
Topic: I'm Cancelling My Home Insurance
Replies: 156
Views: 10782

Re: I'm Cancelling My Home Insurance

Doesn't umbrella insurance sit on top of homeowner's liability insurance?
by Call_Me_Op
Sat Feb 17, 2018 7:32 am
Forum: Personal Finance (Not Investing)
Topic: I'm Cancelling My Home Insurance
Replies: 156
Views: 10782

Re: I'm Cancelling My Home Insurance

Anyone on here that doesn't have a home insurance policy? What's your experience? My home is paid for and worth about 12% of my net worth and I'm thinking about canceling the homeowners policy and keeping the umbrella policy. If I cancelled and the house burned down, it would just be like a 12% mar...
by Call_Me_Op
Sat Feb 17, 2018 7:16 am
Forum: Investing - Theory, News & General
Topic: ETFs a cause of market turbulence?
Replies: 13
Views: 945

Re: Index funds a cause of market turbulence?

You left something important out of the thread title. The article is about "Computer-Driven" index funds. It's the "Compoter-Driven" part that's key.
by Call_Me_Op
Fri Feb 16, 2018 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Number at which to stop worrying
Replies: 170
Views: 16846

Re: Number at which to stop worrying

There is always something to worry about if you are prone to worry. Once you have "enough" you will worry about losing it (fraud, lawsuit, etc).
by Call_Me_Op
Tue Feb 13, 2018 10:27 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Driver’s Behind The Dip
Replies: 27
Views: 2731

Re: Larry Swedroe: Driver’s Behind The Dip

Dave: In my opinion, this is the most important part of the article: The important message I hope you will take away is that your investment plan should incorporate the virtual certainty you will experience severe bear markets, on average, about once a decade or so, and that you will have to live t...
by Call_Me_Op
Tue Feb 13, 2018 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Did you learn anything from the market correction?
Replies: 160
Views: 11150

Re: Did you learn anything from the market correction?

I learned that I have a good plan, because I had zero concern about it.
by Call_Me_Op
Sat Feb 10, 2018 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: CD Ladder or Treasuries ?
Replies: 17
Views: 1418

Re: CD Ladder or Treasuries ?

In regards to safety of principal I don't think CD's and Treasuries are equal. The latter is 100% backed by the full faith and credit of the U.S. government. The former is only insured by the same entity through FDIC but with limits on liability. In a SHTF scenario which do you think the government...
by Call_Me_Op
Sat Feb 10, 2018 4:22 pm
Forum: Forum Issues and Administration
Topic: Black Theme for Site?
Replies: 38
Views: 3004

Re: Black Theme for Site?

No - I like it just the way it is.
by Call_Me_Op
Sat Feb 10, 2018 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: Index vs ETF
Replies: 10
Views: 1001

Re: Index vs ETF

Can someone give me a better understanding of Index funds vs. ETF? I see that they both have low expense ratio. The ETF seem to be higher per share. I have been watching VTI ETF 134.23 or VTSAX admiral 65.34 and VTSMX investor shares 65.31. Which one is best to invest in? I feel like getting shares...
by Call_Me_Op
Sat Feb 10, 2018 4:18 pm
Forum: Investing - Theory, News & General
Topic: Day trading for a living/career?
Replies: 95
Views: 6642

Re: Day trading for a living/career?

Windylotus wrote:
Sat Feb 10, 2018 8:30 am
Could speculation be mastered with a degree of skill?
Generally speaking - no.
by Call_Me_Op
Fri Feb 09, 2018 8:34 am
Forum: Investing - Theory, News & General
Topic: "The stock market is officially in a correction... here's what usually happens next"
Replies: 83
Views: 13195

Re: "The stock market is officially in a correction... here's what usually happens next"

If the market is in a correction that implies the market was previously incorrect. Don't put too much "stock" in the word "correction." A "correction" having occurred does not mean the market was "incorrect." The market is the market - and is therefore (by definition) always correct. It always refl...
by Call_Me_Op
Thu Feb 08, 2018 8:25 am
Forum: Investing - Theory, News & General
Topic: Stock Market Didn't Get Tested You Did - WSJ Zweig
Replies: 20
Views: 3756

Re: Stock Market Didn't Get Tested You Did - WSJ Zweig

My brother called me in a panic to ask me what was going on. I told him I really had no idea and didn't care. He was upset that I didn't give him a better explanation and that I wasn't concerned. I really think the key is having a written plan. As part of writing the plan, you think a lot about what...
by Call_Me_Op
Mon Feb 05, 2018 9:26 am
Forum: Investing - Theory, News & General
Topic: Anyone has tried 'investing with the house'?
Replies: 49
Views: 3919

Re: Anyone has tried 'investing with the house'?

One of the main problems of active funds are fees. One of the main problems of stock-picking is that you are competing with professionals. So how about doing stock picking, not by choosing the stocks yourself, but by replicating the holdings of existing funds managed by renowned managers (like Klar...
by Call_Me_Op
Sun Feb 04, 2018 8:05 am
Forum: Investing - Help with Personal Investments
Topic: John Bogle and Japanese Stock market.
Replies: 33
Views: 3061

Re: John Bogle and Japanese Stock market.

JoMoney wrote:
Sat Feb 03, 2018 4:47 am
You could argue that the Japanese stock market is a good example to not invest in the Japanese stock market.
Or put all of your eggs in the stock market of any single country.
by Call_Me_Op
Sun Feb 04, 2018 8:00 am
Forum: Investing - Theory, News & General
Topic: When diversification doesn’t work
Replies: 33
Views: 2633

Re: When diversification doesn’t work

First of all I could care less if the market goes down 2% in a week. But I do find it interesting that seemingly everything went down last week. Stocks. International stocks. Bonds. Commodities. Where did it all go, cash? actually... it can just "disappear"... Exactly. It is not a zero sum game. If...
by Call_Me_Op
Fri Feb 02, 2018 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Getting out of bond funds?
Replies: 17
Views: 1766

Re: Getting out of bond funds?

nbseer wrote:
Fri Feb 02, 2018 9:23 am
Interest rates are rising, possibly over the next several years, causing bond funds to lose value.
Wrong.

The Fed Funds Rate is probably rising. This says little or nothing regarding intermediate-term rates and bond-fund returns.
by Call_Me_Op
Fri Feb 02, 2018 9:08 am
Forum: Investing - Theory, News & General
Topic: Are we in an index fund bubble? Bill Ackman thinks we are.
Replies: 45
Views: 4060

Re: Are we in an index fund bubble? Bill Ackman thinks we are.

Believe me, if stock index funds crash so will every other stock fund.
by Call_Me_Op
Thu Feb 01, 2018 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Can anyone explain the reasoning behind [Vanguard Total Bond Index vs Vanguard Investment Grade Bond]
Replies: 8
Views: 897

Re: Can anyone explain the reasoning behind

Hello everyone, I'm new to this board, and have a few questions about the 3 fund portfolio. Can someone explain the reasoning behind having Vanguard Total Bond Index fund as opposed to Vanguard Investment Grade Bond Fund (VWESX) ? The Investment Grade outperforms the Total Bond fund-(8.41 since its...
by Call_Me_Op
Thu Feb 01, 2018 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Can anyone explain the reasoning behind [Vanguard Total Bond Index vs Vanguard Investment Grade Bond]
Replies: 8
Views: 897

Re: Can anyone explain the reasoning behind

Hello everyone, I'm new to this board, and have a few questions about the 3 fund portfolio. Can someone explain the reasoning behind having Vanguard Total Bond Index fund as opposed to Vanguard Investment Grade Bond Fund (VWESX) ? The Investment Grade outperforms the Total Bond fund-(8.41 since its...
by Call_Me_Op
Thu Feb 01, 2018 9:25 am
Forum: Investing - Theory, News & General
Topic: Bonds in a well diversified portfolio
Replies: 13
Views: 2570

Re: Bonds in a well diversified portfolio

jackal: There is a tendency to "overthink" bonds because they are very complicated. A bond indenture, which spells-out the obligations of the bond issuer and benefits owed to the bondholder can easily run 50 pages or more. There are many types of bonds. Some are so complicated that it takes a bond ...
by Call_Me_Op
Thu Feb 01, 2018 6:53 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy - Is it worth it.
Replies: 43
Views: 2989

Re: Umbrella Policy - Is it worth it.

Traveller wrote:
Wed Jan 31, 2018 5:11 pm
From recent personal experience, I suggest you keep it.
Care to elaborate? This may be of value to people here.
by Call_Me_Op
Wed Jan 31, 2018 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy - Is it worth it.
Replies: 43
Views: 2989

Re: Umbrella Policy - Is it worth it.

rholt wrote:
Wed Jan 31, 2018 12:24 pm
OP here. I meant to add a third question. Is $1M in coverage enough?
Not to be funny, but that depends upon how much you are sued for. This is another way of saying that there is no way to definitively answer this question.
by Call_Me_Op
Wed Jan 31, 2018 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy - Is it worth it.
Replies: 43
Views: 2989

Re: Umbrella Policy - Is it worth it.

rholt wrote:
Wed Jan 31, 2018 12:20 pm
Questions.
1) How do people feel about Umbrella Polices in general?
2) Does that price seem ok?
1.) Essential if you have something to protect.
2.) Probably reasonable with teen driver.
by Call_Me_Op
Mon Jan 29, 2018 1:22 pm
Forum: Personal Consumer Issues
Topic: Exterminator Accidently Sprayed our Home
Replies: 55
Views: 5467

Re: Exterminator Accidently Sprayed our Home

The stuff they spray isn't toxic to humans as long as you don't eat large quantities of it. It's even fine for most pets except fish. I pay a guy to spray the inside and outside of my house and would be thrilled if I got an extra accidental treatment. The cat doesn't seem to mind either. +1 The pes...
by Call_Me_Op
Mon Jan 29, 2018 9:48 am
Forum: Personal Consumer Issues
Topic: Exterminator Accidently Sprayed our Home
Replies: 55
Views: 5467

Re: Exterminator Accidently Sprayed our Home

I suggest that you find-out exactly what they sprayed and do your own research on it. The last time I asked an exterminator what he planned to use, he could not pronounce it. I did not hire him.
by Call_Me_Op
Mon Jan 29, 2018 7:41 am
Forum: Investing - Theory, News & General
Topic: Bond theory question
Replies: 6
Views: 803

Re: Bond theory question

stlutz wrote:
Sun Jan 28, 2018 6:41 pm
Who said that you should?
My question precisely.
by Call_Me_Op
Mon Jan 29, 2018 7:39 am
Forum: Investing - Help with Personal Investments
Topic: "Muni Bonds Time Bomb" Barron's
Replies: 47
Views: 4832

Re: "Muni Bonds Time Bomb" Barron's

What ever happened to the concept of market efficiency? People here are acting like the fact that there are unfunded liabilities at the state level is not widely known, and therefore not already baked into the prices.
by Call_Me_Op
Mon Jan 29, 2018 7:34 am
Forum: Investing - Theory, News & General
Topic: SIPC insured limits - how do they affect your financial plan?
Replies: 4
Views: 670

Re: SIPC insured limits - how do they affect your financial plan?

Note that SIPC only compensates the investor for securities that have not been recovered. It is very rare for an individual to need the full $500k SIPC coverage, even with multi-million dollar accounts at failed brokerages. Note that SIPC only kicks-in when there is bankruptcy of a custodian. It doe...
by Call_Me_Op
Sun Jan 28, 2018 8:25 am
Forum: Investing - Help with Personal Investments
Topic: Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.
Replies: 65
Views: 4555

Re: Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.

nutshellml wrote:
Fri Jan 26, 2018 3:47 pm

Doesn't the theory as far as the percentage in bonds assume that at retirement you take everything out ...
No! Where did you get that idea?
by Call_Me_Op
Sat Jan 27, 2018 8:15 am
Forum: Investing - Theory, News & General
Topic: Robert Shiller: Stock Market Like 1928
Replies: 57
Views: 6553

Re: Robert Shiller: Stock Market Like 1928

Nobody knows Nuthin'.
by Call_Me_Op
Fri Jan 26, 2018 2:29 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday, Taylor!
Replies: 84
Views: 4122

Re: Happy Birthday, Taylor!

Hi Taylor,

You continue to be an inspiration to all of us. Happy 94th birthday!
by Call_Me_Op
Fri Jan 26, 2018 10:02 am
Forum: Investing - Theory, News & General
Topic: Question to Taylor and others regarding bucket approach in retirement
Replies: 53
Views: 3246

Re: Question to Taylor and others regarding bucket approach in retirement

Christine has said that the buckets can be rebalanced at any time. Therefore, the bucket approach is nothing new and nothing different. We all divide our money into stocks, bonds, and cash anyway. I think you are fundamentally asking how much to keep in safe investments, and that is a personal deci...
by Call_Me_Op
Fri Jan 26, 2018 7:58 am
Forum: Personal Consumer Issues
Topic: curious about baseboard heater problem
Replies: 7
Views: 406

Re: curious about baseboard heater problem

How cold has it been outside the past several days?
by Call_Me_Op
Fri Jan 26, 2018 7:44 am
Forum: Investing - Theory, News & General
Topic: Dalio says bonds have entered a bear market
Replies: 96
Views: 9407

Re: Dalio says bonds have entered a bear market

I think there is too much risk in bonds. Yields are not enough for the risk. I just sold my bond funds. Where is the risk of the bonds are short-intermediate term and very high quality? Sure, there are risky bonds - but those aren't the ones you should be investing in anyway. For folks who do not t...
by Call_Me_Op
Fri Jan 26, 2018 7:34 am
Forum: Investing - Theory, News & General
Topic: Question to Taylor and others regarding bucket approach in retirement
Replies: 53
Views: 3246

Re: Question to Taylor and others regarding bucket approach in retirement

Christine has said that the buckets can be rebalanced at any time. Therefore, the bucket approach is nothing new and nothing different. We all divide our money into stocks, bonds, and cash anyway. I think you are fundamentally asking how much to keep in safe investments, and that is a personal decis...
by Call_Me_Op
Wed Jan 24, 2018 8:08 am
Forum: Investing - Theory, News & General
Topic: Bogle: there is nothing special about value, so why bet on it?
Replies: 26
Views: 2483

Re: Bogle: there is nothing special about value, so why bet on it?

How does Mr, Bogle explain that fact that from 1972-present (during the period he claims things have been all over the place) the CAGR or small value stocks is a full 4.5% higher than for small growth stocks? He doesn't try to. Right, because it refutes his argument. Small value stocks may or may n...
by Call_Me_Op
Wed Jan 24, 2018 7:43 am
Forum: Investing - Theory, News & General
Topic: Kitces article: A cash bucket in retirement? Nope
Replies: 150
Views: 11898

Re: Keep investing simple

Bogleheads: I have been in retirement for many years with this allocation: Money that I cannot afford to lose is in cash and bonds. The rest is in stocks. It works! :happy Please read my " Simplicity " link below. Best wishes. Taylor Taylor, Does this mean that at age 60, you held 35 years of spend...
by Call_Me_Op
Wed Jan 24, 2018 7:38 am
Forum: Investing - Theory, News & General
Topic: Bogle: there is nothing special about value, so why bet on it?
Replies: 26
Views: 2483

Re: Bogle: there is nothing special about value, so why bet on it?

Rowan Oak wrote:
Wed Jan 24, 2018 7:28 am
Call_Me_Op wrote:
Wed Jan 24, 2018 6:45 am
How does Mr, Bogle explain that fact that from 1972-present (during the period he claims things have been all over the place) the CAGR or small value stocks is a full 4.5% higher than for small growth stocks?
He doesn't try to.
Right, because it refutes his argument.
by Call_Me_Op
Wed Jan 24, 2018 7:31 am
Forum: Investing - Theory, News & General
Topic: Bogle: there is nothing special about value, so why bet on it?
Replies: 26
Views: 2483

Re: Bogle: there is nothing special about value, so why bet on it?

I also disagree with Mr. Bogle's claim that "once everybody knows" that one asset class does better than another, that higher return will be arbitraged away. He is ignoring risk. After all, everyone has known for a long time that stocks have much higher returns than bonds, but that relationship stil...
by Call_Me_Op
Wed Jan 24, 2018 6:49 am
Forum: Investing - Theory, News & General
Topic: Importance of FDIC Insurance
Replies: 17
Views: 1442

Re: Importance of FDIC Insurance

SpartanBull wrote:
Wed Jan 24, 2018 1:02 am
I hear mentioned extremely frequently on this board about keeping FDIC limits in mind. But in practice is this a real concern?
Yes, large institutions fail all of the time. Why risk it?
by Call_Me_Op
Wed Jan 24, 2018 6:47 am
Forum: Investing - Help with Personal Investments
Topic: Leaving Financial Engines. Want to go heavy in international..
Replies: 15
Views: 979

Re: Leaving Financial Engines. Want to go heavy in international..

Sounds like "recency bias" to me. This is a form of market timing, but have at it if you want.
by Call_Me_Op
Wed Jan 24, 2018 6:45 am
Forum: Investing - Theory, News & General
Topic: Bogle: there is nothing special about value, so why bet on it?
Replies: 26
Views: 2483

Re: Bogle: there is nothing special about value, so why bet on it?

How does Mr, Bogle explain that fact that from 1972-present (during the period he claims things have been all over the place) the CAGR or small value stocks is a full 4.5% higher than for small growth stocks?
by Call_Me_Op
Wed Jan 24, 2018 6:40 am
Forum: Personal Finance (Not Investing)
Topic: Personal Umbrella insurance
Replies: 11
Views: 1205

Re: Personal Umbrella insurance

Do a search and you will find many discussions on this topic - but no definitive guidance on your question.