Search found 6497 matches

by Call_Me_Op
Fri Nov 24, 2017 7:11 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Managing Risk With Factors
Replies: 92
Views: 5786

Re: Larry Swedroe: Managing Risk With Factors

Call me op, Have you ever used Monte Carlo simulation? I’ve found it very enlightening. The expected draw down is the output. By necessity one has to have inputs with some estimation of expected returns. How does one rationally choose a basic stock bond split much less tilts without some estimate o...
by Call_Me_Op
Thu Nov 23, 2017 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard on 2018
Replies: 11
Views: 2110

Re: Vanguard on 2018

I found Jack's comments on ETF's interesting, where he compared index funds with ETF's. I assume that he was comparing all index funds versus all ETF's - not comparing by asset class. His comparison is really apples versus oranges.
by Call_Me_Op
Thu Nov 23, 2017 9:46 am
Forum: Investing - Help with Personal Investments
Topic: Bonds or Money Market?
Replies: 13
Views: 1419

Re: Bonds or Money Market?

Rather than money market funds, I would favor high-quality short-term bonds. I do not see the big advantage of the stable NAV and I think it actually introduces new risks.
by Call_Me_Op
Thu Nov 23, 2017 9:42 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Managing Risk With Factors
Replies: 92
Views: 5786

Re: Larry Swedroe: Managing Risk With Factors

Call me op, It’s all linked together though. How much one tilts affects the choice of bond allocation. A person may decide on a reasonable expected return from a portfolio. He can then attempt to generate a portfolio with that expected return. If he does so with a TSM type portfolio, he will need m...
by Call_Me_Op
Thu Nov 23, 2017 7:12 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Managing Risk With Factors
Replies: 92
Views: 5786

Re: Larry Swedroe: Managing Risk With Factors

Taylor, Totally agree. Not only are high quality bonds the best protection, they are the cheapest as well. Everything else I discuss is decreasing marginal benefit and increasing marginal cost. This is especially true since the allocations are all quite small. Dave Yes, but we are not comparing sto...
by Call_Me_Op
Thu Nov 23, 2017 7:05 am
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 158
Views: 10624

Re: Why not take Social Security at 62

The OP's analysis is overly simplistic. You cannot just look at total dollars received. A dollar received today has an expected value in 10 years that is greater than a dollar received 5 years from now. So you should account for the fact that if you take social security early but do not need the mo...
by Call_Me_Op
Tue Nov 21, 2017 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 158
Views: 10624

Re: Why not take Social Security at 62

The OP's analysis is overly simplistic. You cannot just look at total dollars received. A dollar received today has an expected value in 10 years that is greater than a dollar received 5 years from now. So you should account for the fact that if you take social security early but do not need the mon...
by Call_Me_Op
Sun Nov 19, 2017 8:27 am
Forum: Investing - Theory, News & General
Topic: Is holding bonds now dangerous?
Replies: 155
Views: 12695

Re: Is holding bonds now dangerous?

Stocks are much riskier than bonds. This statement summarizes the situation.
by Call_Me_Op
Thu Nov 16, 2017 9:28 am
Forum: Investing - Theory, News & General
Topic: AAII Discontinues Model Fund Portfolio
Replies: 1
Views: 261

Re: AAII Discontinues Model Fund Portfolio

I do not follow AAII, but I don't think 14 years is long enough to evaluate a strategy.
by Call_Me_Op
Tue Nov 14, 2017 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Morningstar: Cognitive decline in aging. A strong case for portfolio simplification?
Replies: 98
Views: 7742

Re: Morningstar: Cognitive decline in aging. A strong case for portfolio simplification?

It is a shame that the threat of cognitive decline pushes us toward consolidation, while at the same time increasing risk of identity theft increases the risk (of catastrophic loss) associated with consolidation of accounts.
by Call_Me_Op
Tue Nov 14, 2017 7:36 am
Forum: Personal Consumer Issues
Topic: Dumb Question on Water Heater
Replies: 9
Views: 1167

Re: Dumb Question on Water Heater

Right - thanks.
by Call_Me_Op
Mon Nov 13, 2017 7:23 pm
Forum: Personal Consumer Issues
Topic: Dumb Question on Water Heater
Replies: 9
Views: 1167

Re: Dumb Question on Water Heater

I believe that indirect water heaters only contain a heat exchange coil and a fluid in the boiler circulates through that to heater water in the tank. So it seems there is no need for a pilot.
by Call_Me_Op
Mon Nov 13, 2017 6:30 pm
Forum: Personal Consumer Issues
Topic: Dumb Question on Water Heater
Replies: 9
Views: 1167

Re: Dumb Question on Water Heater

I do not think this type of boiler has an ignition but would like verification.
by Call_Me_Op
Mon Nov 13, 2017 6:19 pm
Forum: Personal Consumer Issues
Topic: Dumb Question on Water Heater
Replies: 9
Views: 1167

Dumb Question on Water Heater

I have a Superstor Indirect Fired Water Heater. Does anyone know if this type of water heater has a pilot that needs to be re-lit after the gas has been shut off for a period of time?
by Call_Me_Op
Mon Nov 13, 2017 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Losing all of your savings.
Replies: 41
Views: 5736

Re: Losing all of your savings.

volimsmes wrote:
Mon Nov 13, 2017 11:31 am
i've lost all of my savings because of stupid investments. How should I mentaly deal with situaction like this?
Are you willing to share the details of what you invested in, to help other avoid the pitfalls?
by Call_Me_Op
Mon Nov 13, 2017 10:31 am
Forum: Investing - Theory, News & General
Topic: The Personal Black Swan
Replies: 46
Views: 5706

Re: The Personal Black Swan

It is straightforward to hold your assets at a few different banks and investment companies. Seems to be a reasonable precaution to take in the event one financial institution is breached or if you are hit by identity theft (in the hopes that the thieves target one account but not all). Bernstein's...
by Call_Me_Op
Sun Nov 12, 2017 4:01 pm
Forum: Investing - Theory, News & General
Topic: The Personal Black Swan
Replies: 46
Views: 5706

Re: The Personal Black Swan

Nearing_Destination wrote:
Sun Nov 12, 2017 2:03 pm
From the look and time, I’d say it was the Russian Exchange....went to zero.
I do not consider that a broadly diversified portfolio - as I specified.
by Call_Me_Op
Sun Nov 12, 2017 1:51 pm
Forum: Investing - Theory, News & General
Topic: The Personal Black Swan
Replies: 46
Views: 5706

Re: The Personal Black Swan

Nisi,

I think that's the fewest words I have seen you employ in one of your responses. By way, what is that portfolio that you show going to zero?
by Call_Me_Op
Sun Nov 12, 2017 10:51 am
Forum: Investing - Theory, News & General
Topic: The Personal Black Swan
Replies: 46
Views: 5706

The Personal Black Swan

We discuss almost endlessly in this forum how to allocate our financial assets and the various market risks. But really, any broadly diversified portfolio, if held long-term and rebalanced, is pretty safe in the sense that a catastrophic market loss is effectively impossible. Discussed much less is ...
by Call_Me_Op
Wed Nov 08, 2017 7:54 am
Forum: Investing - Theory, News & General
Topic: "I took all my money out of the stock market and it feels amazing"
Replies: 69
Views: 8750

Re: "I took all my money out of the stock market and it feels amazing"

Since she plans to work for another 8 years, I don't know why she wouldn't take new money and plow it into stocks. She claims she already has what she needs, so she wouldn't care if the stock portion tanks. But that extra in equities would be likely to make a nice cushion for her.
by Call_Me_Op
Mon Nov 06, 2017 12:57 pm
Forum: Investing - Theory, News & General
Topic: Dividends make up for high mutual fund fees
Replies: 31
Views: 2036

Re: Dividends make up for high mutual fund fees

investingdad wrote:
Mon Nov 06, 2017 8:32 am
I mentioned that I felt the fees are over the top relative to performance. Said family member said the fees didn't matter because the dividend payouts are so good.
Said family member does not have a good understanding of stock investing.
by Call_Me_Op
Sat Nov 04, 2017 7:12 am
Forum: Investing - Theory, News & General
Topic: My (general) contacts with Treasury Direct re loss & liability
Replies: 37
Views: 4573

Re: My (general) contacts with Treasury Direct re loss & liability

This is a very relevant and timely thread for me, as I only recently became aware of TD's stated policy. Needless to say, I am very concerned, and I am considering transferring my assets out of there. It is a shame, because I really like IBonds.
by Call_Me_Op
Wed Nov 01, 2017 9:40 am
Forum: Investing - Theory, News & General
Topic: I Bond fixed rate 0.10% [November rate announced]
Replies: 31
Views: 4082

Re: I Bond fixed rate 0.10%

One thing that turns me off regarding Treasury Direct is that they make it clear that if there is fraud in your account, it's your problem.
by Call_Me_Op
Tue Oct 31, 2017 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: My 401k is almost all cash now. 1/2 Mil
Replies: 89
Views: 8859

Re: My 401k is almost all cash now. 1/2 Mil

To repeat everyone else, At 48 you will do significantly better staying in the market and invested through a crash. What you're doing is statistically more risky for your retirement than staying invested. I disagree. If you are concerned, then reduce equities to a small percentage such as 30% and r...
by Call_Me_Op
Tue Oct 31, 2017 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 372
Views: 49742

Re: Retirement Account Stolen by Identity theft

I am glad this thread was re-opened. I think we all want to see this through to a (positive) conclusion.
by Call_Me_Op
Sat Oct 28, 2017 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: Multiple brokerage accounts?
Replies: 12
Views: 712

Re: Multiple brokerage accounts?

I am an advocate for multiple accounts due to the risk of fraud.
by Call_Me_Op
Sat Oct 28, 2017 6:48 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing is profitable?
Replies: 6
Views: 670

Re: Rebalancing is profitable?

The purpose of rebalancing is not to increase returns - although it sometimes does. Its purpose is to control risk.
by Call_Me_Op
Fri Oct 27, 2017 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 372
Views: 49742

Re: Retirement Account Stolen by Identity theft

EHEngineer - no medallion signature requirement, only notary.....thanks. That is shocking. I needed a medallion to get $10,000 out of Vanguard. This is insufficient security by TA, IMO. If they don't require medallion, they accept the liability. EHEngineer, Can you elaborate on that? Do you have a ...
by Call_Me_Op
Fri Oct 27, 2017 6:59 am
Forum: Investing - Help with Personal Investments
Topic: Index investing is boring
Replies: 63
Views: 5576

Re: Index investing is boring

investing1012 wrote:
Thu Oct 26, 2017 1:00 pm
Anyone else find that the index investing boring. I find no excitement in it.
You should get your excitement through other means - not by risking your life savings.
by Call_Me_Op
Tue Oct 24, 2017 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Attempted theft of bank funds via identity theft
Replies: 19
Views: 2534

Re: Attempted theft of bank funds via identity theft

Even if they had gone through with it, as long as you noticed the theft and reported it within 60 days of it appearing in your bank statement, you would have been made whole, more or less (by law).

This is not the case with a brokerage account, though - just a bank account.
by Call_Me_Op
Tue Oct 24, 2017 6:30 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 372
Views: 49742

Re: Retirement Account Stolen by Identity theft

Basically if the public perception (based on media reporting of the decision or the like) becomes that even if you take a reasonable degree of prudent precautions (and the person who committed the crime is a true third party) your money is not safe at a financial firm in terms of at least eventuall...
by Call_Me_Op
Sat Oct 21, 2017 5:49 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 372
Views: 49742

Re: Retirement Account Stolen by Identity theft

I'd look at this issue as a crime committed against Transamerica and not your father. Some crook fraudulently tricked Transamerica into emptying one of their customers accounts. Regardless of how it was done or the process used or where the funds went, the bottom line is that the bank was tricked b...
by Call_Me_Op
Sat Oct 21, 2017 5:38 am
Forum: Investing - Theory, News & General
Topic: Shiller: the 1987 stock market panic can happen again
Replies: 29
Views: 2744

Re: Shiller: the 1987 stock market panic can happen again

Had one stayed-the-course in 1987, he or she would have had a positive return for the year.
by Call_Me_Op
Thu Oct 19, 2017 6:43 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 372
Views: 49742

Re: Retirement Account Stolen by Identity theft

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...
by Call_Me_Op
Mon Oct 16, 2017 11:17 am
Forum: Personal Consumer Issues
Topic: Earplugs that work on low frequency noise?
Replies: 35
Views: 1916

Re: Earplugs that work on low frequency noise?

* 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...
by Call_Me_Op
Sat Oct 14, 2017 4:46 pm
Forum: Investing - Theory, News & General
Topic: 10 year anniversary of the beginning of the Great Recession
Replies: 45
Views: 4373

Re: 10 year anniversary of the beginning of the Great Recession

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.
by Call_Me_Op
Sat Oct 14, 2017 3:16 pm
Forum: Personal Consumer Issues
Topic: Earplugs that work on low frequency noise?
Replies: 35
Views: 1916

Re: Earplugs that work on low frequency noise?

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.
by Call_Me_Op
Sat Oct 14, 2017 6:28 am
Forum: Investing - Help with Personal Investments
Topic: Bonds v. bond funds
Replies: 36
Views: 2044

Re: Bonds v. bond funds

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...
by Call_Me_Op
Fri Oct 13, 2017 6:53 am
Forum: Investing - Theory, News & General
Topic: 10 year anniversary of the beginning of the Great Recession
Replies: 45
Views: 4373

Re: 10 year anniversary of the beginning of the Great Recession

Speaking of the Great Recession, anybody know of a good book that covers what happened at the beginning?
by Call_Me_Op
Thu Oct 12, 2017 9:38 am
Forum: Investing - Help with Personal Investments
Topic: Are we taking too much risk with Bonds in our AA?
Replies: 25
Views: 2147

Re: Are we taking too much risk with Bonds in our AA?

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...
by Call_Me_Op
Thu Oct 12, 2017 5:52 am
Forum: Personal Consumer Issues
Topic: Voiceprint technology (for authentication)
Replies: 24
Views: 1370

Re: Voiceprint technology (for authentication)

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...
by Call_Me_Op
Wed Oct 11, 2017 8:34 am
Forum: Investing - Help with Personal Investments
Topic: Cyber Security (or lack of) for Mutual Funds
Replies: 20
Views: 1583

Re: Cyber Security (or lack of) for Mutual Funds

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 ...
by Call_Me_Op
Wed Oct 11, 2017 7:38 am
Forum: Investing - Help with Personal Investments
Topic: Cyber Security (or lack of) for Mutual Funds
Replies: 20
Views: 1583

Re: Cyber Security (or lack of) for Mutual Funds

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 -...
by Call_Me_Op
Tue Oct 10, 2017 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Security
Replies: 66
Views: 6825

Re: Fidelity Security

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...
by Call_Me_Op
Tue Oct 10, 2017 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Security
Replies: 66
Views: 6825

Re: Fidelity Security

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?
by Call_Me_Op
Sun Oct 08, 2017 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: Risk of Long Term Government Bond Index Fund (VLGSX)
Replies: 12
Views: 910

Re: Risk of Long Term Government Bond Index Fund (VLGSX)

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...
by Call_Me_Op
Sun Oct 08, 2017 6:21 am
Forum: Investing - Theory, News & General
Topic: Has your "risk tolerance" been tested?
Replies: 105
Views: 6828

Re: Has your "risk tolerance" been tested?

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...
by Call_Me_Op
Sat Oct 07, 2017 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: How much is enough umbrella insurance
Replies: 6
Views: 978

Re: How much is enough umbrella insurance

This has been discussed ad nauseum on Bogleheads. Do a search.
by Call_Me_Op
Sat Oct 07, 2017 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Keeping Tabs on Investment Accounts
Replies: 13
Views: 1211

Keeping Tabs on Investment Accounts

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...