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Call_Me_Op

I don't know about the rest of you, but I am profoundly concerned that none of the brokerage firms provide a solid guarantee that you will be made whole in the event of fraud. To say that they will reimburse the customer if the account is compromised through no fault of the customer does not provide...

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* explosives dynamics gets creepy (a relative was an engineer in the military but this one I read in the Atlantic). In Israel they have learned that if a bus window is open, there will be fewer casualties if a bomb is detonated on the bus. The shock wave goes out the window whereas if closed, the w...

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Mr.BB wrote: ↑
Fri Oct 13, 2017 12:53 pm

Call_Me_Op wrote: ↑
Fri Oct 13, 2017 6:53 am
Speaking of the Great Recession, anybody know of a good book that covers what happened at the beginning?
Watch the movie "The Big Short"....GREAT movie, and it explains a lot!

Thanks guys.

Call_Me_Op

Even if earplugs completely block the canals, some sound is conducted through the bone.

I personally cannot sleep with earplugs. I would consider talking to the neighbor and perhaps shifting my sleep schedule.

Call_Me_Op

I'm curious as to why the standard advice/approach is to buy bond funds, rather than individual bonds? Aren't bond funds riskier, since there's no guarantee of making your investment back? There is no guarantee with some individual bonds either. Remember that a bond fund is nothing more than a coll...

Call_Me_Op

Speaking of the Great Recession, anybody know of a good book that covers what happened at the beginning?

Call_Me_Op

Hi everyone, I know that some can consider this as market timing.... However, we do know that the federal reserve started unwinding the recession stimulus. Additionally, we know that they are in the path of rising rates. Those are much more actionable today than in previous years. This stuff is alr...

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All of the large brokerage firms are starting to use this technology. Its reliability is good but it should not be used as the sole means of identification. It should be viewed as an additional layer of security. Given that brokerages do not have bullet-proof assurances that you will be reimbursed i...

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Cheego, I share your concern. I have been very concerned that most or all of the customer protection guarantees have many conditions around them and in effect, compensation for customer losses is at the discretion of the firm. This is very different from credit card, debit cards, and bank accounts ...

Call_Me_Op

Cheego, I share your concern. I have been very concerned that most or all of the customer protection guarantees have many conditions around them and in effect, compensation for customer losses is at the discretion of the firm. This is very different from credit card, debit cards, and bank accounts -...

Call_Me_Op

Here's the account data security page on Fidelity's website https://www.fidelity.com/security/overview That page includes, "We're proud of the trust you place in Fidelity and want to ensure that you have peace of mind when doing business with us. That's why we offer this guarantee: We will reimburs...

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stlutz wrote: ↑
Fri Sep 08, 2017 11:41 pm
How does the VIP app really provide any extra security? To deactivate it all you have to do is call...

Is that true? Don't they ask additional questions or measure voice signature?

Call_Me_Op

but what if rates rise by say 6% over a short period of time. 17.6 X 6 = 105%. Can an individual bond have a value of zero or does the duration equation not work at some point? Duration is the first derivative of the price-yield curve. That is, strictly speaking, it (the linear relationship) is val...

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Events in 2008 really shook me and even impacted my health. In my retirement account, I stayed the course but suspended rebalancing into bonds. But the real action was in taxable. I was stock-heavy (for me) and I sold the stock in mid September when the slide really accelerated. However, I bought ba...

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This has been discussed ad nauseum on Bogleheads. Do a search.

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How do folks "keep tabs" on their various investment accounts? This question is related to attempting to prevent fraud. Do you check all of your accounts online, and how frequently? Do you make sure you have online access to all accounts (including bank accounts)? This question is prompted by the re...

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I'm 56 years old and I have all the money I will ever need based on my lifestyle (boring). With the market overdue for a correction does it ever make sense to completely liqudate ones exposure to risk. I'm currently at a 50/50 mix. Thoughts? I don't think that make sense unless you have at least 10...

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NotWhoYouThink wrote: ↑
Fri Oct 06, 2017 8:17 pm
In Missouri I've never had a notary ask for more than a Driver's license. No thumbprint.

And Missouri is the "Show Me State."

Call_Me_Op

This is very disturbing. I wonder how often something like this happens. Seems like a good reason to diversify custodians even though Vanguard's security seems solid.

Brak, please keep us informed.

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I think that the Aggregate Bond Index has a SEC yield of 2.5%? If rates spike upwards that yield could fall. Say what? An increase in rates will increase the yield (and drop the value). You are right. I was being lazy and substituted yield when I really meant return. If rates spike, the value will ...

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My dad is like that (no idea and doesn't care), and my folks have been married for 60 years. So I guess it's not a show stopper. My mom doesn't really seem to mind that he doesn't care - but she has had a long time to get used to it.

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Its too long, written like a novel. Hope I can find a synopsis somewhere. I want to know about this... but don't have time to read the entire story. What is the gist of this? It is pretty easy to take a short course and get a license to be a state appointed guardian to older people who are ruled in...

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alex_686 wrote: ↑
Sun Oct 01, 2017 8:46 am
I think that the Aggregate Bond Index has a SEC yield of 2.5%? If rates spike upwards that yield could fall.

Say what? An increase in rates will increase the yield (and drop the value).

Call_Me_Op

In my 50's a 30/50/20 I would be more than terrified. You are all but guaranteeing that you won't ever grow your savings. You have no chance at all of building wealth. I disagree. 30% in stocks is enough to produce a premium over inflation for the overall portfolio. I am in my 50's and hold about 3...

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When I first started investing, I bought-into the hogwash that I should look for a (actively managed) fund with a long track record. The truth is, that is meaningless. First, managers change all the time. Second, there are few if any managers who will consistently outperform. Then there is a long li...

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I received a letter from the IRS claiming that I made an error of about $550 in my 2015 tax return. They are asking for payment in full within 30 days if I agree with them. After reviewing my records, I believe that the error is on their end. I assume I need to handle resolving this by snail mail, w...

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So I was thinking of investing in an Intermediate Treasury Bond Index Fund because of it's non-correlation and to counter the Total Stock Market Index Fund in times of market loss. It's about a 1.5% forecast return in 5-years. A 5-year CD can be had at 2.4%. If rates rise, I can get out of the bank...

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Close relative has frittered away a sizable inheritance and is now in danger of losing his house. Came to me for $ and I said no, came to me to co-sign a loan and I said no, and now he is furious and won't speak to me. You said it all. He "frittered away" his inheritance. He was irresponsible. That...

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Jack appears to ignore the one good reason to invest internationally and that is greatly increased diversification. True, but many international fans also ignore reversion to the mean. The S&P now gets 50% of its revenues through international, so you get it without the added cost and IMHO risk. I ...

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Jack appears to ignore the one good reason to invest internationally and that is greatly increased diversification.

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DomDangelina wrote: ↑
Fri Aug 18, 2017 11:48 am
Should we sell everything now?

This comment suggests that you have no plan. Every investor needs a plan to be successful.

Call_Me_Op

The fault with all of these articles (that bash index funds) is that they fail to recognize that you need only a very small proportion of investors to be active in order to have reasonable price discovery. In other words, there is no problem unless almost everyone in an indexer, which will never hap...

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Don't confuse strategy with outcome.

Call_Me_Op

Alex GR wrote: ↑
Thu Aug 17, 2017 8:39 pm
Should I change the allocation if this kind of downswing bothers me?

If you have to ask - then yes.

Call_Me_Op

I have been 50-50 for many years, and intend to stay there for the foreseeable future. My choice has nothing to do with perceived valuations or relative return expectations, and everything to do with the strategy of very broad diversification.

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Maybe I'm skewing my terminology. 1. It's a traditional IRA funded with the usual after tax dollars 2. We cannot claim the tax deduction benefit due to >AGI 3. Are there/is there any "current" negative tax consequences using this emerging market bond fund for this IRA? When people refer to a "taxab...

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hammockman wrote: ↑
Thu Aug 17, 2017 6:40 am
Thanks all.
1. Tropik T- Yes that is what I meant, The fund is an IRA funded with after tax dollars (and non-deductible-AGI to high)

That is not a taxable account.

Call_Me_Op

Very subjective. As I mentioned, road noise is a deal breaker for me. Never lived near a busy road before, so never knew. Knowing that now, I'm more observant of how many houses are on busy roads... I work in a big city and see all the houses and apartments on busy streets. Obviously, a lot of folk...

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simplesauce wrote: REITs do not behave exactly like equities or bonds. They are useful in a diversified portfolio because of the rebalancing power and the low correlation.

Careful - REITs are stocks.

Call_Me_Op

Interesting topic for me, as I am dealing with this right now. I am quite sensitive to noise and a light sleeper. I have had to speak to a couple of neighbors about their noise, but I have come to the conclusion that the only reasonable long-term solution is a home on many acres, at least a few hund...

Call_Me_Op

The Wall Street Journal asks an interesting question this week… As the U.S. stock market continues to set all-time highs, many investors are proudly adhering to their mantra of “buy and hold.” That is what financial advisers preach, and investors are sticking to it. For now, anyway. The tougher que...

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This is interesting, since I recall Larry suggesting in the past that there are several things he doesn't like about a "Total Bond" (index) fund, such as its investment in MBS's.

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armeliusc wrote:
What would you do in this situation?

I'd move the fence.

If your neighbor built his fence in your yard, what would you have him do?

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They are really getting desperate now!

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Malkiel must know in his heart that any exploitable inefficiencies will soon vanish.

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Thanks Taylor. Thankfully, those of us who invest the Boglehead way do not need to be concerned with such schemes.

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Cheese_breath,

I have little to offer in terms of answering your question, but I do want to express my sincere hope that her condition improves significantly. She is still fairly young, so it sounds like there is reason to be hopeful.

Call_Me_Op

I'm not sure I understand the mechanics here. But if a trade is happening every 5 minutes and there are commissions for buying and selling, it looks like there are 78 potential trades a day (5-minute increments in 6.5 hours). Even if half of them are "hold", that leaves 39 trades a day. It won't ta...

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You want enough coverage to make the plaintiff's attorney go away (e.g., not feel it's worth the effort to pursue your personal assets). I recommend 2X unshielded assets, although there are no "hard and fast" rules. Note 1:The extent to which an IRA is a shielded asset depends upon state law. Note 2...

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So are you saying that you would buy a fund-of-funds if it had no international bonds in it? Then that's: FFNOX, the Fidelity 4-in-1 fund. Not really - just asking if the wise folks here think I *need* to add some intl? I'm quite pleased with what I currently have. Given that you are happy with wha...

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