Search found 6601 matches

by Call_Me_Op
Fri Jan 19, 2018 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Are ETFs Really That Safe?
Replies: 26
Views: 1948

Re: Are ETFs Really That Safe?

uberational44 wrote:
Thu Jan 18, 2018 4:24 pm
ETFs are normally lumped with index funds as fairly safe investments, but ETFs seem far more dangerous.
Seem more dangerous in what respect? Bogle's concern is that people will trade them too much, but nobody will force you to trade your ETFs.
by Call_Me_Op
Thu Jan 18, 2018 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Taking advantage of conservative equity allocations?
Replies: 5
Views: 279

Re: Taking advantage of conservative equity allocations?

Good morning folks. Has anyone looked at the overall performance of various equity allocations when also figuring in the benefits of rebalancing in down markets? Most of the available AA spreadheets/programs (e.g., Portfolio Visualizer) include periodic rebalancing. There is no free lunch. Higher e...
by Call_Me_Op
Thu Jan 18, 2018 7:42 am
Forum: Investing - Help with Personal Investments
Topic: What will happen if everyone indexed?
Replies: 23
Views: 2141

Re: What will happen if everyone indexed?

rockfuture wrote:
Wed Jan 17, 2018 10:56 pm
Can somebody told me what if everyone indexed? Will it lead to crisis?
Why worry about something that will never happen? This is an extreme and unrealistic scenario.
by Call_Me_Op
Wed Jan 17, 2018 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy - 1M or 2M
Replies: 43
Views: 3838

Re: Umbrella Policy - 1M or 2M

mouses wrote:
Tue Jan 16, 2018 10:39 pm
My $5 Mil policy from AMICA is $622.
That's cheap. You must have a very low risk profile (including living in a rural area).
by Call_Me_Op
Wed Jan 17, 2018 7:04 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - Investing 100K in vanguard emerging/value/bond funds today, am I CRAZY?
Replies: 14
Views: 1680

Re: Portfolio Advice - Investing 100K in stocks today, am I CRAZY?

As others have said, you are investing without a real plan. I suggest you compose an IPS before investing.
by Call_Me_Op
Tue Jan 16, 2018 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: Is it reasonable to try to time the I-Bond market?
Replies: 12
Views: 1021

Re: Is it reasonable to try to time the I-Bond market?

However, given the interest rate environment, is it fairly safe to assume that the fixed rate might go up again in May, thus making it a better decision (over the possible 30 year life of the bond to be purchased) to hold off on 2018 purchases until then? Yes, it is quite safe to assume that the ra...
by Call_Me_Op
Mon Jan 15, 2018 12:41 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's Millionaire Study
Replies: 59
Views: 10196

Re: Dave Ramsey's Millionaire Study

BolderBoy wrote:
Mon Jan 15, 2018 12:20 pm
GuyInFL wrote:
Sun Jan 14, 2018 12:55 am
It's an anonymous survey. Or at least contact info is optional.
Your IP address isn't anonymous. You can be sure that they harvest that on the first login.
I think they need a court order to correlate your IP address with your name. I doubt they can do that.
by Call_Me_Op
Mon Jan 15, 2018 9:18 am
Forum: Investing - Help with Personal Investments
Topic: “Better Buy” Total US or International ?
Replies: 30
Views: 3068

Re: “Better Buy” Total US or International ?

Decide on the appropriate US/foreign mix and stick with it. The usual range is from 0/100 to 50/50. Oh, I am - and it’s wonderfully boring ... just wondering how outdated the previous benchmark/calcs are and if anything new has come along to better determine “value” Basically, I’m fully invested an...
by Call_Me_Op
Mon Jan 15, 2018 9:12 am
Forum: Investing - Help with Personal Investments
Topic: “Better Buy” Total US or International ?
Replies: 30
Views: 3068

Re: “Better Buy” Total US or International ?

Decide on the appropriate US/foreign mix and stick with it. The usual range is from 0/100 to 50/50.
by Call_Me_Op
Mon Jan 15, 2018 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Understanding the Great Recession Impact
Replies: 44
Views: 3269

Re: Understanding the Great Recession Impact

holding a sufficient supply of high-quality fixed-income is critical. People who say that bonds are as risky as stocks are omitting important details. There ain't nothin' risky about a T-bill. For sure. You know, the discussion about allocation between stocks, bonds and cash is always around % of p...
by Call_Me_Op
Mon Jan 15, 2018 9:00 am
Forum: Investing - Theory, News & General
Topic: Do people in the forum hold foreign bonds?
Replies: 42
Views: 2503

Re: Do people in the forum hold foreign bonds?

There is a lot of debate both here and elsewhere over the topic of international investing. Regarding equities, many people think that it’s not necessary to invest in international equities because US companies have a large international presence. If one were to grant that, I can’t see why the same...
by Call_Me_Op
Mon Jan 15, 2018 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Understanding the Great Recession Impact
Replies: 44
Views: 3269

Re: Understanding the Great Recession Impact

I hope I can summon the steel nerves when the next recession happens. The 2008 recession was really unusual. It really did seem like the economy was crumbling. I hope not to see another such situation in my lifetime. But to your question, diversification is key. In particular, holding a sufficient ...
by Call_Me_Op
Mon Jan 15, 2018 8:11 am
Forum: Investing - Theory, News & General
Topic: Shares Are Wildly Overpriced. But Bonds May Be Even Worse
Replies: 35
Views: 5626

Re: Shares Are Wildly Overpriced. But Bonds May Be Even Worse

Toons wrote:
Fri Jan 12, 2018 12:43 pm
60/40
50/50
Forget About It
:happy
Anyone for 40/60? :wink:
by Call_Me_Op
Mon Jan 15, 2018 8:07 am
Forum: Investing - Theory, News & General
Topic: Do people in the forum hold foreign bonds?
Replies: 42
Views: 2503

Re: Do people in the forum hold foreign bonds?

Generally, I don't think foreign bonds are "necessary." We can argue about what that word means. I hold very few because my diversified bond fund in my 401k happens to hold some. Bonds are supposed to constitute the low risk portion of your portfolio. With US bonds, you can dial your risk exactly wh...
by Call_Me_Op
Mon Jan 15, 2018 7:57 am
Forum: Investing - Help with Personal Investments
Topic: Do Preferred securities let you sleep well at night?
Replies: 13
Views: 881

Re: Do Preferred securities let you sleep well at night?

My brother in law said that he recently liquidated all his investments and invested all the money into preferred stock and it lets him sleep well at night. He says its the best of both the worlds - less risky than stock and higher returns than bond. He said that he put his kids college fund in it a...
by Call_Me_Op
Sun Jan 14, 2018 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Early Retirement Question
Replies: 14
Views: 2784

Re: Early Retirement Question

jorodrig wrote:
Sun Jan 14, 2018 3:07 am
That is our estimated SS if we start pulling benefits at age 67 ($68K). My wife's current income is around $38K.
Doesn't that estimate assume that you continue working until full retirement age?
by Call_Me_Op
Sun Jan 14, 2018 8:20 am
Forum: Investing - Theory, News & General
Topic: When the Fed stops what do you do?
Replies: 17
Views: 2329

Re: When the Fed stops what do you do?

Have watched the Fed closely for years, I believe they will continue on their program of Fed funds rate rises until they hit 3.0% in 2020. Thinking ahead while also looking back at the last decade’s low interest rate environment, I am considering the following investment strategy change to enjoy an...
by Call_Me_Op
Sun Jan 14, 2018 7:48 am
Forum: Personal Consumer Issues
Topic: Oil filled space heaters
Replies: 39
Views: 4004

Re: Oil filled space heaters

We just pulled out our oil filled radiator space heater due to the extreme cold in the northeast and in our large living room (20 ft by 20 ft with 8.5 ft ceilings) it really didn’t produce any noticeable improvement in heat in 36 hours at the 900 watt setting. If I’m not mistaken, that consumed 32 ...
by Call_Me_Op
Sun Jan 14, 2018 7:36 am
Forum: Personal Consumer Issues
Topic: Almost a pathological fear of debt, to my detriment?
Replies: 79
Views: 4436

Re: Almost a pathological fear of debt, to my detriment?

Lynx310650 wrote:
Fri Jan 12, 2018 12:33 pm
I just cannot stand debt, even when it's arguably to my benefit to hold on to it because of low interest.
No, it's never "arguably" to your benefit to hold debt because of low interest. You are forgetting to factor-in risk.
by Call_Me_Op
Sat Jan 13, 2018 7:42 am
Forum: Investing - Theory, News & General
Topic: Is holding bonds now dangerous?
Replies: 162
Views: 17024

Re: Is holding bonds now dangerous?

Stocks are much riskier than bonds. This statement summarizes the situation. That statement depends entirely on the situation and the time frame in which they are held, in addition to what is meant by 'risk'. In the short-term, stocks have been more volatile. In the long-term, bonds have been more ...
by Call_Me_Op
Sat Jan 13, 2018 7:37 am
Forum: Investing - Help with Personal Investments
Topic: How many years of fixed income for Sequence of Return Risk
Replies: 26
Views: 1948

Re: How many years of fixed income for Sequence of Return Risk

antiqueman wrote:
Thu Jan 11, 2018 12:47 pm
I realize I need to increase stock percentage to probably at least 30% to 35%.
"Need" is a strong word. Why do you "need" to do that?
by Call_Me_Op
Fri Jan 12, 2018 7:29 am
Forum: Personal Finance (Not Investing)
Topic: why do banks bother offering lousy CD rates?
Replies: 49
Views: 4674

Re: why do banks bother offering lousy CD rates?

Many senior citizens will only deal with banks. (My parents are good examples.) It doesn't matter if 1 year treasuries are offering higher yields than 5 year bank CD's. They will not open a brokerage account or sign-up for Treasury Direct to have access to the treasuries.
by Call_Me_Op
Thu Jan 11, 2018 8:07 am
Forum: Personal Consumer Issues
Topic: Oil filled space heaters
Replies: 39
Views: 4004

Re: Oil filled space heaters

I think the ceramic heaters are also worth a look. They are lighter, heat very effectively, have a cool case, and cannot leak oil.
by Call_Me_Op
Wed Jan 10, 2018 8:55 am
Forum: Investing - Theory, News & General
Topic: "6 Reasons The Rich Should Pay-Off Their Mortgage"
Replies: 126
Views: 20677

Re: "6 Reasons The Rich Should Pay-Off Their Mortgage"

jackholloway wrote:
Fri Jun 03, 2016 2:13 pm
Since I am strongly considering paying off my mortgage, I, of course, liked the article.
Since I already have done so some years ago, I likewise liked it. :)
by Call_Me_Op
Tue Jan 09, 2018 8:16 am
Forum: Personal Consumer Issues
Topic: Question on Natural Gas Meter
Replies: 20
Views: 1278

Re: Question on Natural Gas Meter

Just to close the loop with those who participated in this thread, I talked to my energy supplier and they indicated that I am indeed on a low-pressure line and therefore do not have/need a regulator. They will be raising my meter a foot or two when the weather gets better, which will make it less l...
by Call_Me_Op
Sun Jan 07, 2018 4:57 pm
Forum: Investing - Theory, News & General
Topic: Memo to those who have won the game: it's time to quit playing
Replies: 210
Views: 17654

Re: Memo to those who have won the game: it's time to quit playing

nodenuff2 wrote:
Sun Jan 07, 2018 3:23 pm
Retired 4 years ago my AA is 45/45/10. Just before the year end we reached a rebalancing point for the second time last year. I’ll continue to rebalance until my kids tell me I’m slipping mentally. My ISP will tell them what to do after that.
It's "IPS", but we won't count that as a slip. :)
by Call_Me_Op
Sun Jan 07, 2018 8:09 am
Forum: Personal Consumer Issues
Topic: Question on Natural Gas Meter
Replies: 20
Views: 1278

Re: Question on Natural Gas Meter

A standard home gas meter requires constant pressure to accurately measure the CuFt used. A regulator is always upstream of the meter. Some systems in very old areas may have a street side regulator that feeds many houses or even many blocks, which would be evidenced by no regulator at the meter. T...
by Call_Me_Op
Sun Jan 07, 2018 8:06 am
Forum: Personal Consumer Issues
Topic: Question on Natural Gas Meter
Replies: 20
Views: 1278

Re: Question on Natural Gas Meter

quantAndHold wrote:
Sat Jan 06, 2018 7:13 pm
Do you have a picture? Every gas meter I’ve ever seen looks more or less like this. The regulator is the round thing on the left.

Image
I do not have a camera (embarrassing) but there is no round thing.
by Call_Me_Op
Sat Jan 06, 2018 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: Do we have too much in bonds?
Replies: 25
Views: 2588

Re: Do we have too much in bonds?

No - not in my estimation. Close your eyes and think about how you would feel if you lost $400,000.00 to a stock sell-off (quite within the realm of possibility given your equity allocation and assets). Then ask yourself if you are being too conservative.
by Call_Me_Op
Sat Jan 06, 2018 6:30 pm
Forum: Personal Consumer Issues
Topic: Question on Natural Gas Meter
Replies: 20
Views: 1278

Re: Question on Natural Gas Meter

You don't want your pressure regulator vent port to get iced up. When gas flows through a regulator it cools due to the Joule Thompson effect. Moisture around it will cause problems, in particular freezing of the vent port. https://www.lincenergysystems.com/linc-energy-blog/entry/natural-gas-regula...
by Call_Me_Op
Sat Jan 06, 2018 12:21 pm
Forum: Personal Consumer Issues
Topic: Question on Natural Gas Meter
Replies: 20
Views: 1278

Re: Question on Natural Gas Meter

My gas appliances are running fine. At this point, I just want to know where the regulator is located (assuming there is one) so that I can ensure that it is clear of ice and snow. I did mostly clear the meter, which is about all I can do right now.
by Call_Me_Op
Sat Jan 06, 2018 11:39 am
Forum: Personal Consumer Issues
Topic: Question on Natural Gas Meter
Replies: 20
Views: 1278

Re: Question on Natural Gas Meter

Is your regulator maybe on the line in the basement somewhere? I thought the regulator has to be on the input side of the meter - not the output side. Is this incorrect? Also, it could never be in the basement itself, as that could vent gas into the basement. The regulator is in the supply line to ...
by Call_Me_Op
Sat Jan 06, 2018 10:35 am
Forum: Personal Consumer Issues
Topic: Question on Natural Gas Meter
Replies: 20
Views: 1278

Re: Question on Natural Gas Meter

jharkin wrote:
Sat Jan 06, 2018 10:34 am
Is your regulator maybe on the line in the basement somewhere?
I thought the regulator has to be on the input side of the meter - not the output side. Is this incorrect? Also, it could never be in the basement itself, as that could vent gas into the basement.
by Call_Me_Op
Sat Jan 06, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: Question on Natural Gas Meter
Replies: 20
Views: 1278

Re: Question on Natural Gas Meter

You don't want your pressure regulator vent port to get iced up. When gas flows through a regulator it cools due to the Joule Thompson effect. Moisture around it will cause problems, in particular freezing of the vent port. https://www.lincenergysystems.com/linc-energy-blog/entry/natural-gas-regula...
by Call_Me_Op
Sat Jan 06, 2018 9:47 am
Forum: Personal Consumer Issues
Topic: Question on Natural Gas Meter
Replies: 20
Views: 1278

Re: Question on Natural Gas Meter

HueyLD wrote:
Sat Jan 06, 2018 9:43 am
I think the meter is kept clutter free for automatic meter reading.

https://en.m.wikipedia.org/wiki/Automatic_meter_reading
If that's true, then the gas company is lying when they state it is a safety issue.
by Call_Me_Op
Sat Jan 06, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: Question on Natural Gas Meter
Replies: 20
Views: 1278

Question on Natural Gas Meter

I live in the Northeast, and the energy supplier annually sends us a message to keep the gas meter clear of snow and ice. I believe the main reason is so as not to block the pressure regulator. Well, I dug-out my meter this morning and surrounding pipes (in -25F windchill) - but did not see any regu...
by Call_Me_Op
Tue Jan 02, 2018 6:49 am
Forum: Investing - Theory, News & General
Topic: Rationale for a 30% ex-US equity allocation
Replies: 24
Views: 1946

Re: Rationale for a 30% ex-US equity allocation

I am 50-50 US-International. I do not view the currency issue so much as a risk, but instead as a form of diversification.
by Call_Me_Op
Mon Jan 01, 2018 8:39 am
Forum: Investing - Theory, News & General
Topic: Buffett wins his bet: S&P500 beats selected hedge funds over last 10 years
Replies: 45
Views: 6131

Re: Buffett wins his bet: S&P500 beats selected hedge funds over last 10 years

I guess the moral of the story is you still can't beat Warren Buffett. Nekrotok: To me, "the moral of the story" is: "It is difficult to beat a broad-market index fund." Happy New Year! Taylor To me, the moral of the story is "investors should avoid hedge funds and other complex, non-transparent, h...
by Call_Me_Op
Sun Dec 31, 2017 9:21 am
Forum: Investing - Theory, News & General
Topic: Before buying gold, have a look at these returns since 1975
Replies: 84
Views: 6580

Re: Before buying gold, have a look at these returns since 1975

mouses wrote:
Sun Dec 31, 2017 7:14 am
Shouldn't there be a giant dip in stocks in that chart around 1929 instead of something barely visible?
The data is apparently low-pass filtered.
by Call_Me_Op
Sat Dec 30, 2017 8:46 am
Forum: Investing - Help with Personal Investments
Topic: Changing from 60-40 to 40-60 investment ratio, general strategy
Replies: 15
Views: 1240

Re: Changing from 60-40 to 40-60 investment ratio, general strategy

Why wait until $2.5 million to switch to 40-60? You can easily retire today with no worries, given your low expenses. In fact, you probably won't even touch your portfolio given the pension and SS.
by Call_Me_Op
Sat Dec 30, 2017 7:48 am
Forum: Investing - Theory, News & General
Topic: What ever happened to the Larry portfolio?
Replies: 114
Views: 10491

Re: What ever happened to the Larry portfolio?

Larry's approach (a variant of which I use myself) is to dial down the percentage of stocks and use very high quality bonds for the fixed-income portion of the portfolio. The stock portion is invested in a mix of asset sub-classes having the highest expected return (and is also highly diversified). ...
by Call_Me_Op
Sat Dec 30, 2017 7:38 am
Forum: Investing - Help with Personal Investments
Topic: Bonds - Index vs Actively Managed
Replies: 18
Views: 1611

Re: Bonds - Index vs Actively Managed

At least with an index fund you don't need to worry about a fund manager doing something really stupid. That's the biggest risk with actively-managed bond funds, IMHO.
by Call_Me_Op
Fri Dec 29, 2017 10:13 am
Forum: Investing - Theory, News & General
Topic: What ever happened to the Larry portfolio?
Replies: 114
Views: 10491

Re: What ever happened to the Larry portfolio?

When I ponder this SV stuff, I think I spend a lot less time focusing on historical returns than most people discussing SV here at Bogleheads. I rely much more on the forward looking intuitive rationale for premia to exist. The expected return on a company is it’s cost of capital. It makes strong s...
by Call_Me_Op
Fri Dec 29, 2017 7:58 am
Forum: Investing - Theory, News & General
Topic: What ever happened to the Larry portfolio?
Replies: 114
Views: 10491

Re: What ever happened to the Larry portfolio?

b) The additional risk in concentrating solely in smallcap value comes from giving up on diversification. There is no additional expected return in doing that. Instead what you get is a wider possible range of outcomes through such concentration. That risk of the Larry Portfolio tends to be under-a...
by Call_Me_Op
Fri Dec 29, 2017 7:53 am
Forum: Investing - Theory, News & General
Topic: What ever happened to the Larry portfolio?
Replies: 114
Views: 10491

Re: What ever happened to the Larry portfolio?

CULater wrote:
Sun Dec 24, 2017 2:21 pm
Just wondering if Larry Swedroe is still recommending the 25% SCV + 75% Bonds portfolio allocation or has moved away from it.
Why on earth would he move away from it in such a short time? Larry is well aware that this strategy involves tracking error and the ability to persevere.
by Call_Me_Op
Fri Dec 29, 2017 7:50 am
Forum: Investing - Theory, News & General
Topic: The Growing Peril of Index Funds: Too Much Tech
Replies: 67
Views: 5696

Re: The Growing Peril of Index Funds: Too Much Tech

You have discovered value investing.
by Call_Me_Op
Wed Dec 27, 2017 8:55 am
Forum: Investing - Theory, News & General
Topic: Just not getting it [Stock Picking versus TSM]
Replies: 98
Views: 14223

Re: Just not getting it [Stock Picking versus TSM]

namrac wrote:
Fri Dec 08, 2017 7:39 pm
Where am I off? Scratching my head.
Honestly? Everywhere. You need to understand that all current expectations are already built-into the price of any given stock.
by Call_Me_Op
Tue Dec 26, 2017 7:05 am
Forum: Investing - Theory, News & General
Topic: Are Bitcoins really limited?
Replies: 10
Views: 1557

Re: Are Bitcoins really limited?

Also keep in mind that bitcoin can be split into small pieces. 1 BTC can be split into 100 million units. A dollar can only be split into 100 units. This makes the total supply of "spendable" BTC very high (2.1 quadrillion units of currency). This is a very good point. The so called limit is virtua...
by Call_Me_Op
Sat Dec 23, 2017 8:20 am
Forum: Investing - Help with Personal Investments
Topic: Feels dumb to hold bonds - Currently 70% Stocks 30% Bonds
Replies: 96
Views: 11301

Re: Feels dumb to hold bonds - Currently 70% Stocks 30% Bonds

sharukh wrote:
Thu Dec 21, 2017 3:40 pm
My real investing started only in 2012, no real experience of brutal bear market.
That says it all. Had you been investing in 2008, you would not need to ask this question.