Search found 7021 matches

by Call_Me_Op
Sat Dec 15, 2018 8:45 am
Forum: Investing - Theory, News & General
Topic: December "Bogleheads on Investing" podcast with guest Christine Benz now available
Replies: 13
Views: 1412

Re: December "Bogleheads on Investing" podcast with guest Christine Benz now available

Hi Rick,

I just listened to the Podcast (004) with Christine Benz. I thought is was excellent. Thanks for bringing our questions to Christine, and thanks for hosting this and all of the fine Bogleheads podcasts.
by Call_Me_Op
Sat Dec 15, 2018 7:20 am
Forum: Investing - Theory, News & General
Topic: Do Bogleheads Bucket?
Replies: 101
Views: 11709

Re: Do Bogleheads Bucket?

I think the line between a bucket portfolio and a standard Boglehead total return portfolio is very fuzzy. I think the difference is mainly how you look at it. Whether I hold a stock-bond mix and have some cash on the side, or hold 3 buckets - one with cash, one with bonds, and one with stocks - I ...
by Call_Me_Op
Fri Dec 14, 2018 12:52 pm
Forum: Investing - Theory, News & General
Topic: Do Bogleheads Bucket?
Replies: 101
Views: 11709

Re: Do Bogleheads Bucket?

I think the line between a bucket portfolio and a standard Boglehead total return portfolio is very fuzzy. I think the difference is mainly how you look at it. Whether I hold a stock-bond mix and have some cash on the side, or hold 3 buckets - one with cash, one with bonds, and one with stocks - I ...
by Call_Me_Op
Fri Dec 14, 2018 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Imminent retirees & sequence fear
Replies: 64
Views: 3390

Re: Imminent retirees & sequence fear

Quite honestly, I don't think it makes sense ever to completely get out of equities. The world always looks chaotic. (Identify a year that you think it didn't - and then go back and read the newspapers from that year.) It sounds like you are sure we are going to see some sort of crash soon. The mar...
by Call_Me_Op
Fri Dec 14, 2018 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Imminent retirees & sequence fear
Replies: 64
Views: 3390

Re: Imminent retirees & sequence fear

Quite honestly, I don't think it ever makes sense (strategically) to completely get out of equities. The world always looks chaotic/uncertain. (Identify a year that you think it didn't - and then go back and read the newspapers from that year.) It sounds like you are sure we are going to see some so...
by Call_Me_Op
Fri Dec 14, 2018 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Bond Allocation in 40/60 Portfolio
Replies: 6
Views: 510

Re: Bond Allocation in 40/60 Portfolio

I am currently in retirement and will be required to take RMD's beginning in 2019. I am working toward a 40/60 allocation, but am am suffering from paralysis from analysis regarding bond portfolio makeup. At this time I am primarily in Total Bond Market Index, with additional bond exposure in Welle...
by Call_Me_Op
Fri Dec 14, 2018 9:58 am
Forum: Investing - Theory, News & General
Topic: Do Bogleheads Bucket?
Replies: 101
Views: 11709

Re: Do Bogleheads Bucket?

I think the line between a bucket portfolio and a standard Boglehead total return portfolio is very fuzzy. I think the difference is mainly how you look at it. Whether I hold a stock-bond mix and have some cash on the side, or hold 3 buckets - one with cash, one with bonds, and one with stocks - I f...
by Call_Me_Op
Fri Dec 14, 2018 8:24 am
Forum: Investing - Theory, News & General
Topic: What Happened to you during the Financial crisis of 2007–2008
Replies: 200
Views: 14980

Re: What Happened to you during the Financial crisis of 2007–2008

I learned that I did not fully understand what I was investing in, and as a result I was more reactive than I would be if it were to happen now. For the most part, I stayed the course. I also was lucky enough to recognize that TIPS were selling for fire-sale prices in October-November 2008, and pick...
by Call_Me_Op
Fri Dec 14, 2018 8:04 am
Forum: Personal Consumer Issues
Topic: Potential New Home - Planes and Trains Noise
Replies: 33
Views: 2235

Re: Potential New Home - Planes and Trains Noise

I am looking into purchasing a piece of land to build a home. I have owned two properties in my life and both came with the unknown and unfortunate reality of loud planes and trains traveling by. It really made me regret purchasing those properties. I don't want to make the same mistake this time, ...
by Call_Me_Op
Thu Dec 13, 2018 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: [Bond returns are currently negative. Why should I buy bonds now?]
Replies: 19
Views: 2491

Re: [Bond returns are currently negative. Why should I buy bonds now?]

[Moved into a separate post from: Bond alternative to balance portfolio? --admin LadyGeek] I'm an EXTREME novice at investing and trying to learn as much as I can right now. This is something that I can't seem to make sense of. Can someone please have the patience to explain to me why you would buy...
by Call_Me_Op
Thu Dec 13, 2018 12:52 pm
Forum: Investing - Theory, News & General
Topic: The S&P 500 Goes Supernova
Replies: 91
Views: 13555

Re: The S&P 500 Goes Supernova

I'm so confused. I thought people who invested starting in 2000 were barely breaking even. CAGR for the S&P 500 since 2000 has been about 5.3%. This is a bit more than breaking even, but is well below long-term historical average. It should not come as any surprise that an asset class delivered str...
by Call_Me_Op
Thu Dec 13, 2018 8:13 am
Forum: Investing - Theory, News & General
Topic: Is there any market that is not inflated?
Replies: 58
Views: 3578

Re: Is there any market that is not inflated?

EM stocks have a trailing PE of under 12. Of course, nobody wants them because they have done poorly lately. See my quote below.
by Call_Me_Op
Thu Dec 13, 2018 7:03 am
Forum: Investing - Theory, News & General
Topic: Our mentor [Jack Bogle] advises to "buy bonds" for protection in current market
Replies: 61
Views: 5836

Re: Our mentor advises to "buy bonds" for protection in current market

Hmmm... sell stocks and buy bonds because a drop in stocks is coming ... sounds a heckuva lot like market timing to me. Not that that is always a bad idea, but it is heresy to most "Bogleheads." I don't think that's what jack is saying. I think he is reminding investors that stocks are very volatil...
by Call_Me_Op
Tue Dec 11, 2018 11:48 am
Forum: Investing - Theory, News & General
Topic: Low need to take risk - decrease allocation to stocks?
Replies: 42
Views: 3115

Re: Low need to take risk - decrease allocation to stocks?

I was raised in a household that always owned stocks and talked about it. I can remember being a teen (1970s-early 80's) and hearing my folks discuss GM, DTE, and Flying Tiger stocks. In his later years my dad talked to his broker often, and they were social friends. Being in market is completely n...
by Call_Me_Op
Mon Dec 10, 2018 9:14 am
Forum: Investing - Theory, News & General
Topic: Who is buying SCV, EM, Intl SC
Replies: 41
Views: 2653

Re: Who is buying SCV, EM, Intl SC

My automatic rebalance takes place soon, and will buy each of those under-performing asset class categories.
by Call_Me_Op
Sun Dec 09, 2018 7:55 am
Forum: Investing - Theory, News & General
Topic: Christine Benz next podcast guest
Replies: 14
Views: 1612

Re: Christine Benz next podcast guest

I like Christine and always enjoy her articles and videos. She was also on Consuelo Mack this weekend. Rick, Please ask her why most of the funds she recommends (for example in her bucket portfolios) are active and some have relatively high expense ratios. That's one thing that has always confused me.
by Call_Me_Op
Sat Dec 08, 2018 7:46 am
Forum: Investing - Theory, News & General
Topic: Worst investing year ever....
Replies: 73
Views: 11326

Re: Worst investing year ever....

Perhaps it's not that asset prices that are highly correlated, but that overall price inflation has shown up in assets across the board. Something to think about. I don't think those are two different things. Correlations change over time, and there are always factors that explain asset class behav...
by Call_Me_Op
Fri Dec 07, 2018 8:44 am
Forum: Investing - Help with Personal Investments
Topic: Question: Jamie Dimon ( JPMorgan ) on Bonds
Replies: 18
Views: 2208

Re: Question: Jamie Dimon ( JPMorgan ) on Bonds

Today ( Dec 6 ), Jamie Dimon, CEO of JPMorgan, was interviewed on CNBC. He opined that the bond market was in a bubble and he would not buy US bonds ( I think he meant treasuries ). What did he mean by that ? And what does it mean for the bond buying boglehead ? To me it means do not listen to CNBC...
by Call_Me_Op
Fri Dec 07, 2018 8:43 am
Forum: Investing - Help with Personal Investments
Topic: I need some money from my portfolio , sell out of which fund??
Replies: 9
Views: 482

Re: I need some money from my portfolio , sell out of which fund??

I don't want to sell because the market is going down, I simply need some money from my portfolio. I don't want to sell with drops, but I need the money. My holdings are listed below. I believe I should take the money from the Bond fund, since I don't have many gains with that fund. Now, and always...
by Call_Me_Op
Fri Dec 07, 2018 8:28 am
Forum: Personal Consumer Issues
Topic: 55 year old may need hearing aid
Replies: 13
Views: 1559

Re: 55 year old may need hearing aid

Need recommendations on do’s and don’ts for someone starting the hearing aid journey. I have not been tested yet but the family signals are getting pretty strong. - Costco or hearing specialist for exam? - Where to purchase? - Other lessons learned that I have no clue I will need? My dad has severe...
by Call_Me_Op
Wed Dec 05, 2018 7:33 am
Forum: Personal Finance (Not Investing)
Topic: Why Is Insurance Worth It (Analytically)?
Replies: 89
Views: 4229

Re: Why Is Insurance Worth It (Analytically)?

pdavi21 wrote:
Tue Dec 04, 2018 4:27 pm

I don't see what I am missing.
You are missing the whole point of insurance - to protect against catastrophic loss.
by Call_Me_Op
Mon Dec 03, 2018 10:53 am
Forum: Investing - Theory, News & General
Topic: Bogle Sounds a Warning on Index Funds
Replies: 103
Views: 17979

Re: Bogle Sounds a Warning on Index Funds

This is a non-concern. It is only a problem if nearly everyone indexes, which will never happen. Indexing is only attractive if the market is hard to beat, and if too few people are active, there will be easily exploitable inefficiencies. This is a self-correcting system.
by Call_Me_Op
Fri Nov 30, 2018 3:43 pm
Forum: Investing - Theory, News & General
Topic: Why are REITS a separate asset class but healthcare is not?
Replies: 55
Views: 3009

Re: Why are REITS a separate asset class but healthcare is not?

By the way, Larry Swedroe has recently written an article that addresses this question:

https://www.etf.com/sections/index-inve ... nt-special
by Call_Me_Op
Fri Nov 30, 2018 8:16 am
Forum: Investing - Theory, News & General
Topic: Bogle Sounds a Warning on Index Funds
Replies: 103
Views: 17979

Re: Bogle Sounds a Warning on Index Funds

deltaneutral83 wrote:
Thu Nov 29, 2018 11:42 am
I would start to worry when we hit 70-75% in index funds.
Why?
by Call_Me_Op
Fri Nov 30, 2018 8:10 am
Forum: Investing - Theory, News & General
Topic: Why are REITS a separate asset class but healthcare is not?
Replies: 55
Views: 3009

Re: Why are REITS a separate asset class but healthcare is not?

I don't think of REITs as a separate asset class. REITs are stocks of companies that own and manage real estate and related investments. They are already represented in the market index in proportion to their capitalization. And they act like stocks - since that's what they are.
by Call_Me_Op
Sat Nov 24, 2018 4:54 pm
Forum: Investing - Theory, News & General
Topic: Too Complicated
Replies: 12
Views: 2833

Re: Too Complicated

bartlettjeff wrote:
Fri Nov 23, 2018 7:09 pm
After 50 of age, you could look 10% short term T-bills 90% US market? Would be heck of a return if you look back!
The problem is we need to look forward - not back.
by Call_Me_Op
Sat Nov 24, 2018 8:16 am
Forum: Investing - Theory, News & General
Topic: A lot of us expected a US stock "pull back" is this it?
Replies: 58
Views: 7831

Re: A lot of us expected a US stock "pull back" is this it?

Alexa9 wrote:
Thu Nov 22, 2018 9:28 am
Ignore the noise, stay the course.
It's a "buying opportunity."
Stocks are "on sale."
Non-US - especially EM stocks - are really on sale.
by Call_Me_Op
Thu Nov 22, 2018 9:34 am
Forum: Investing - Theory, News & General
Topic: Does a "Larry" portfolio work in the current interest rate environment?
Replies: 23
Views: 2041

Re: Does a "Larry" portfolio work in the current interest rate environment?

There are a number of similar portfolios published in Black Swans and Swedroe's "Factors" book that claim this rate of return with 70/30 allocation with a small-cap value tilt in the 30%. Yes, looking backwards. You are missing something basic. The Larry Portfolio consists of stocks and bonds, and ...
by Call_Me_Op
Thu Nov 22, 2018 9:26 am
Forum: Investing - Theory, News & General
Topic: What's in your Investor Policy Statement about Bear Markets?
Replies: 52
Views: 3511

Re: What's in your Investor Policy Statement about Bear Markets?

wolf359 wrote:
Tue Nov 20, 2018 11:44 am
What's in your IPS regarding bear markets?
Stay the course.
by Call_Me_Op
Wed Nov 21, 2018 7:49 am
Forum: Investing - Theory, News & General
Topic: CDs vs Treasuries
Replies: 5
Views: 1262

Re: CDs vs Treasuries

Using the Fidelity platform, it seems that short duration Treasury yields are higher than CDs but if the duration is longer than a year the CD yields are higher than Treasuries. Anyone know why? When things don't make sense to me, I figure I am missing something. As a small individual investor the ...
by Call_Me_Op
Wed Nov 21, 2018 7:47 am
Forum: Investing - Help with Personal Investments
Topic: I was 30% into US stocks.. Down 5.5% YTD. Should I now get back in ?
Replies: 14
Views: 1948

Re: I was 30% into US stocks.. Down 5.5% YTD. Should I now get back in ?

toomuchRE wrote:
Tue Nov 20, 2018 10:13 am
I mean with my 50% money which is in cash-bonds-treasury-stablefund....
yeah make it more aggressive now..
If you have always been risk averse, why would that have suddenly changed?
by Call_Me_Op
Wed Nov 21, 2018 7:43 am
Forum: Investing - Theory, News & General
Topic: Opinion Required
Replies: 41
Views: 2412

Re: Opinion Required

This is the classic mistake people make. They "know" that the market is going down another 25%, so why not just wait it out on the sidelines and then jump in after the market tanks? Problem is once you get out, anything can happen - including a rapid run-up which you will miss. And missing that run-...
by Call_Me_Op
Mon Nov 19, 2018 8:16 am
Forum: Investing - Help with Personal Investments
Topic: LOST OVER $400 on CDs in 2 Weeks!
Replies: 24
Views: 4371

Re: LOST OVER $400 on CDs in 2 Weeks!

You should understand what you are buying before you buy it. Brokered CDs are essentially bonds, and their value will fluctuate prior to maturity. Any loss is a paper loss unless you sell.
by Call_Me_Op
Sun Nov 11, 2018 7:43 am
Forum: Personal Consumer Issues
Topic: Seeking Advice - Emergency Preparedness
Replies: 56
Views: 3393

Re: Seeking Advice - Emergency Preparedness

Portable generators can be bought with wheels...even four wheels. Push button start and can run on natural gas. Add a transfer switch to the house and large propane/natural gas and done. My problem is I do not have a garage. I would have to keep a portable generator in my shed located at the back o...
by Call_Me_Op
Sun Nov 11, 2018 7:35 am
Forum: Personal Consumer Issues
Topic: Seeking Advice - Emergency Preparedness
Replies: 56
Views: 3393

Re: Seeking Advice - Emergency Preparedness

What is the probability that this may happen? How long have you lived there and has it ever happened before? Cold can be there without the snow. Surelyi inyour time there you have had cold that your system survived? Be realistic in your concerns. Good point - I do have an obsessive personality. I h...
by Call_Me_Op
Sun Nov 11, 2018 7:31 am
Forum: Personal Consumer Issues
Topic: Seeking Advice - Emergency Preparedness
Replies: 56
Views: 3393

Re: Seeking Advice - Emergency Preparedness

How far north are you? We get nor’easters here around Boston but the winds don’t reach hurricane strength... maybe 50mph or so gusts in a bad one, but I’ve never seen anything close to actual sustained hurricane (75mph) wind. Temps reaching zero happen, but rarely. Sounds like you are way up there ...
by Call_Me_Op
Sat Nov 10, 2018 6:40 am
Forum: Personal Consumer Issues
Topic: Seeking Advice - Emergency Preparedness
Replies: 56
Views: 3393

Re: Seeking Advice - Emergency Preparedness

I’m in New England and like others my backup to stay warm is a wood stove. Unlimited heat. I do not have a chimney and the price to add one is actually comparable to a standby generator with installation. If I were to go the stove route, it would need to be direct-vent and gas. I am not comfortable...
by Call_Me_Op
Fri Nov 09, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: Seeking Advice - Emergency Preparedness
Replies: 56
Views: 3393

Re: Seeking Advice - Emergency Preparedness

Thanks Watty. You do need to keep the sides of the generator clear of snow so they can vent. My plan would be to put it on the NE side of the house, which does not get drifts during the big Northeasters, and also to raise it a few feet off the ground. I believe that by doing this, the snow will not ...
by Call_Me_Op
Fri Nov 09, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: Seeking Advice - Emergency Preparedness
Replies: 56
Views: 3393

Re: Seeking Advice - Emergency Preparedness

Are your power lines buried or do you have utility poles? Our are buried, so I don't worry too much about losing power in the winter, but I am concerned about brown-outs in the summer. If your main concern is powering the heating system, you should be able to get a smaller stand-by generator for mu...
by Call_Me_Op
Fri Nov 09, 2018 10:48 am
Forum: Personal Consumer Issues
Topic: Seeking Advice - Emergency Preparedness
Replies: 56
Views: 3393

Re: Seeking Advice - Emergency Preparedness

You appear to be approaching this as 'what if I lose power', but I would approach this as 'what if I lose heat' instead. There are other scenarios which would result in the same outcome, including your heater simply breaking down. Another thing to keep in mind is, are you comfortable with your back...
by Call_Me_Op
Fri Nov 09, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: Seeking Advice - Emergency Preparedness
Replies: 56
Views: 3393

Re: Seeking Advice - Emergency Preparedness

I don't know anything about home ownership, but I do spend a lot of time outdoors in the North Eastern winters. As far as cold-temp survival goes, you can purchase a -20F sleeping bag for under $100. The clothing you already own, layered up, indoors, would probably be enough to survive the temps. A...
by Call_Me_Op
Fri Nov 09, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: Seeking Advice - Emergency Preparedness
Replies: 56
Views: 3393

Re: Seeking Advice - Emergency Preparedness

I don't know anything about home ownership, but I do spend a lot of time outdoors in the North Eastern winters. As far as cold-temp survival goes, you can purchase a -20F sleeping bag for under $100. The clothing you already own, layered up, indoors, would probably be enough to survive the temps. A...
by Call_Me_Op
Fri Nov 09, 2018 9:41 am
Forum: Personal Consumer Issues
Topic: Seeking Advice - Emergency Preparedness
Replies: 56
Views: 3393

Re: Seeking Advice - Emergency Preparedness

Thegame14 wrote:
Fri Nov 09, 2018 9:33 am
install a natural gas generator...... or get solar panels with a battery that can hold a charge for a few days.
Thanks - I am leaning that way (generator). The solar panels plus batteries is much more expensive.
by Call_Me_Op
Fri Nov 09, 2018 8:44 am
Forum: Personal Consumer Issues
Topic: Seeking Advice - Emergency Preparedness
Replies: 56
Views: 3393

Re: Seeking Advice - Emergency Preparedness

A portable generator is a non-starter for me. I have a bad back and no garage. Any ideas would be greatly appreciated! A portable generator should NEVER be put into a garage. NEVER. Hi Rick, I was thinking of a garage as a place to store the generator when not in use, and from which to wheel it out...
by Call_Me_Op
Fri Nov 09, 2018 8:11 am
Forum: Personal Consumer Issues
Topic: Seeking Advice - Emergency Preparedness
Replies: 56
Views: 3393

Re: Seeking Advice - Emergency Preparedness

Watty wrote:
Fri Nov 09, 2018 8:01 am
Are you sure you don't already have that? The first step would be to contact your service company and ask them about what sort of freeze protection to use.
Hi Watty. Good question. I will have to find out.
by Call_Me_Op
Fri Nov 09, 2018 7:24 am
Forum: Personal Consumer Issues
Topic: Seeking Advice - Emergency Preparedness
Replies: 56
Views: 3393

Seeking Advice - Emergency Preparedness

I live in the Northeast and we typically get several brutal "Northeasters" every winter. These storms essentially trap me in my house (I live alone and have back issues) due to extreme snow drifts, can have hurricane force winds, and are often followed by zero F or subzero F temperatures. I have nev...
by Call_Me_Op
Fri Nov 02, 2018 7:24 am
Forum: Investing - Theory, News & General
Topic: REITS have beaten other stocks for 50 years
Replies: 31
Views: 3026

Re: REITS have beaten other stocks for 50 years

CULater wrote:
Thu Nov 01, 2018 10:50 am
Why not just buy REITs and forgeddaboutit?
Risk?
by Call_Me_Op
Tue Oct 23, 2018 11:20 am
Forum: Investing - Theory, News & General
Topic: 'Smart money' bailing on the market, time to get out?
Replies: 92
Views: 12369

Re: 'Smart money' bailing on the market, time to get out?

steve321 wrote:
Tue Oct 23, 2018 4:43 am
Is there something the 'smart money' knows, that we (the dumb money, I suppose) don't?
Not really.