Search found 6858 matches

by Call_Me_Op
Tue Aug 14, 2018 8:41 am
Forum: Investing - Help with Personal Investments
Topic: More cash instead of bonds
Replies: 11
Views: 1103

Re: More cash instead of bonds

teddytimtam wrote:
Tue Aug 14, 2018 8:14 am
With 2+% money markets are available nowadays; does anyone hold more cash instead of bonds?

What are the pros/cons of doing so?
You are likely leaving money on the table as long as you do not need the funds right away. There is no sin in doing that, but that's the price you would likely pay.
by Call_Me_Op
Tue Aug 14, 2018 6:16 am
Forum: Investing - Help with Personal Investments
Topic: Best placement for Small Cap Value? Taxable, Roth or 403b7?
Replies: 21
Views: 1248

Re: Best placement for Small Cap Value? Taxable, Roth or 403b7?

That does not make sense to me. Stocks allow you to defer gains. I would rather sell a taxable investment after 20 years and pay 15% capital gains tax rate rather than sell a tax-deferred investment after 20 years and pay a 33% income tax rate (my current rate). You’re missing the point. For you to...
by Call_Me_Op
Mon Aug 13, 2018 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Best placement for Small Cap Value? Taxable, Roth or 403b7?
Replies: 21
Views: 1248

Re: Best placement for Small Cap Value? Taxable, Roth or 403b7?

Tax deferred accounts (including Roth) are always better for all investments from a tax perspective. Really? So instead of paying taxes at capital gains rates (for stocks), I should pay tax at my marginal income tax rate when I take the money put? Assuming you are in the same tax bracket or lower o...
by Call_Me_Op
Mon Aug 13, 2018 10:52 am
Forum: Investing - Help with Personal Investments
Topic: What am I missing about bonds...
Replies: 26
Views: 2697

Re: What am I missing about bonds...

What is the purpose of your 10% bond allocation? The answer will help to guide you.
by Call_Me_Op
Mon Aug 13, 2018 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Best placement for Small Cap Value? Taxable, Roth or 403b7?
Replies: 21
Views: 1248

Re: Best placement for Small Cap Value? Taxable, Roth or 403b7?

Tax deferred accounts (including Roth) are always better for all investments from a tax perspective. Really? So instead of paying taxes at capital gains rates (for stocks), I should pay tax at my marginal income tax rate when I take the money put? Assuming you are in the same tax bracket or lower o...
by Call_Me_Op
Mon Aug 13, 2018 8:57 am
Forum: Investing - Help with Personal Investments
Topic: Best placement for Small Cap Value? Taxable, Roth or 403b7?
Replies: 21
Views: 1248

Re: Best placement for Small Cap Value? Taxable, Roth or 403b7?

HEDGEFUNDIE wrote:
Mon Aug 13, 2018 3:14 am
Tax deferred accounts (including Roth) are always better for all investments from a tax perspective.
Really? So instead of paying taxes at capital gains rates (for stocks), I should pay tax at my marginal income tax rate when I take the money put?
by Call_Me_Op
Mon Aug 13, 2018 8:52 am
Forum: Investing - Theory, News & General
Topic: New York Times--Vanguard Warns of Worsening Odds for the Economy and Markets
Replies: 64
Views: 8804

Re: New York Times--Vanguard Warns of Worsening Odds for the Economy and Markets

■ United States stocks, an expected 10-year return of 3.9 percent, annualized, down from a projection of an 8 percent annualized return, made in March 2013; ■ Stocks from markets outside the United States, 6.5 percent, annualized, down from 8.7 percent in 2013. ■ A diversified portfolio of United S...
by Call_Me_Op
Sun Aug 12, 2018 6:57 am
Forum: Personal Consumer Issues
Topic: radon mitigation exposure concern, are we at risk?
Replies: 59
Views: 3733

Re: radon mitigation exposure concern, are we at risk?

Holy cow! This guy has a Geiger Counter and shows that his air filters are radioactive. Radioactive Material in My Air? I was watching another video where he testa the rainwater after a rainstorm, and guess what? The rain is also radioactive! Everything is radioactive to some degree - even the huma...
by Call_Me_Op
Sun Aug 12, 2018 6:21 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Valuations Too High?
Replies: 200
Views: 10171

Re: Larry Swedroe: Valuations Too High?

vineviz wrote:
Fri Aug 10, 2018 9:39 am
To me, the downside of dying rich will be the realization that I didn't live my life as fully as I could have.
But - by definition - you can never experience that realization because you will not be alive. So why worry about that?
by Call_Me_Op
Sat Aug 11, 2018 6:46 am
Forum: Investing - Help with Personal Investments
Topic: Preparing for a bear market
Replies: 43
Views: 4944

Re: Preparing for a bear market

My concern is if your brother in-law can influence your thinking on bonds, perhaps you do not understand them well enough. One should not invest in things they do not understand reasonably well. So I recommend improving your understanding of bonds before doing anything further.
by Call_Me_Op
Fri Aug 10, 2018 7:52 am
Forum: Investing - Theory, News & General
Topic: Vanguard Switch to Brokerage Accounts
Replies: 22
Views: 1861

Re: Vanguard Switch to Brokerage Accounts

cowdogman wrote:
Thu Aug 09, 2018 8:43 pm
And is there any difference between Vanguard and Fidelity now?
Yes. Fidelity has much better customer service and a vastly superior website.
by Call_Me_Op
Thu Aug 09, 2018 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Biggest Threats to Financial Well-Being
Replies: 99
Views: 8785

Re: Biggest Threats to Financial Well-Being

Lawsuit - especially if not covered by excess liability insurance.
by Call_Me_Op
Thu Aug 09, 2018 11:25 am
Forum: Personal Consumer Issues
Topic: radon mitigation exposure concern, are we at risk?
Replies: 59
Views: 3733

Re: radon mitigation exposure concern, are we at risk?

Canada has lowered its limit to 200. I did not check all those limits. Note that some countries have lower limits for new construction. WHO recommends a limit of 100. According to this, What is a safe and acceptable level of radon gas? , 200 and 100 are not safe. "A safe level of radon gas is no ra...
by Call_Me_Op
Thu Aug 09, 2018 10:01 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Valuations Too High?
Replies: 200
Views: 10171

Re: Larry Swedroe: Valuations Too High?

http://www.etf.com/sections/swedroe-valuations-too-high?nopaging=1 Excellent article placing current CAPE in perspective. Larry reviews multiple reasons for CAPE to have drifted upwards over the decades. When we talk mean reversion, what mean do we revert to? Equities may be generously valued, impl...
by Call_Me_Op
Thu Aug 09, 2018 7:35 am
Forum: Personal Consumer Issues
Topic: radon mitigation exposure concern, are we at risk?
Replies: 59
Views: 3733

Re: radon mitigation exposure concern, are we at risk?

There is no safe level of radon. The EPA came up with a number for when remediation is necessary at 4.0 pCi/L but it doesn't mean 3.9 is safe. I'm not an expert, just a homeowner that did a lot circumspect internet research. Take what I say with a grain of salt and do your own research. You already...
by Call_Me_Op
Thu Aug 09, 2018 7:33 am
Forum: Personal Consumer Issues
Topic: radon mitigation exposure concern, are we at risk?
Replies: 59
Views: 3733

Re: radon mitigation exposure concern, are we at risk?

Set of 4 videos from this guy who is an industrial hygienist and deals with human health hazards. Radon 1 of 4: https://youtu.be/TYZglUjLE0Y What is a Curie? 37x10^9 disintegrations per second. (initial decay rate of 1 gram of Radium) What is a picoCurie (pCi)? pico is 10^-12, so 1 pC = 0.037 disin...
by Call_Me_Op
Wed Aug 08, 2018 8:31 am
Forum: Personal Consumer Issues
Topic: radon mitigation exposure concern, are we at risk?
Replies: 59
Views: 3733

Re: radon mitigation exposure concern, are we at risk?

What about other sources of radiation? According to this article, 8 Foods You Didn't Know Are Radioactive Bananas have 3,520 pCi/kg Potatoes 4,500 pCi/kg Carrots 6,800 pCi/kg Lima Beans 4,630 pCi/kg Red Meat 3,000 pCi/kg Low-Sodium Salt 3,000 pCi/kg Beer 390 pCi/kg Brazil Nuts 6,600 pCi/kg These nu...
by Call_Me_Op
Tue Aug 07, 2018 9:35 am
Forum: Investing - Theory, News & General
Topic: holding bonds-why or why not?
Replies: 19
Views: 2158

Re: holding bonds-why or why not?

It's interesting that people who question the value of holding bonds always use long-term bonds as the example of bond risks. Few individuals hold 30 year bonds and they are in fact quite risky. The Bogleheads recommend bonds and bond funds of short-intermediate duration, which are quite safe (by mo...
by Call_Me_Op
Tue Aug 07, 2018 8:26 am
Forum: Investing - Theory, News & General
Topic: "Age in Bonds" fails almost everyone
Replies: 217
Views: 12545

Re: "Age in Bonds" fails almost everyone

One's allocation to fixed income depends upon his or her specific situation. For some people, age in bonds may not be enough. For example, a 50 year-old with 100X saved has no need to put 50% in stocks. A 50 year hold with 100x saved also has no need to own anything BUT stocks. If he is very brave....
by Call_Me_Op
Tue Aug 07, 2018 8:00 am
Forum: Investing - Theory, News & General
Topic: "Age in Bonds" fails almost everyone
Replies: 217
Views: 12545

Re: "Age in Bonds" fails almost everyone

wolf359 wrote:
Tue Aug 07, 2018 7:59 am
I do know some people who would consider it too risky.
Thanks for acknowledging our existence. :)
by Call_Me_Op
Tue Aug 07, 2018 7:47 am
Forum: Investing - Theory, News & General
Topic: "Age in Bonds" fails almost everyone
Replies: 217
Views: 12545

Re: "Age in Bonds" fails almost everyone

One's allocation to fixed income depends upon his or her specific situation. For some people, age in bonds may not be enough. For example, a 50 year-old with 100X saved has no need to put 50% in stocks. A 50 year hold with 100x saved also has no need to own anything BUT stocks. If he is very brave....
by Call_Me_Op
Tue Aug 07, 2018 7:25 am
Forum: Personal Consumer Issues
Topic: radon mitigation exposure concern, are we at risk?
Replies: 59
Views: 3733

Re: radon mitigation exposure concern, are we at risk?

Radon only reaches high levels when it accumulates in a home with poor ventilation. The outdoors is well ventilated.
by Call_Me_Op
Tue Aug 07, 2018 6:20 am
Forum: Investing - Theory, News & General
Topic: "Age in Bonds" fails almost everyone
Replies: 217
Views: 12545

Re: "Age in Bonds" fails almost everyone

One's allocation to fixed income depends upon his or her specific situation. For some people, age in bonds may not be enough. For example, a 50 year-old with 100X saved has no need to put 50% in stocks.
by Call_Me_Op
Mon Aug 06, 2018 6:59 am
Forum: Investing - Theory, News & General
Topic: holding bonds-why or why not?
Replies: 19
Views: 2158

Re: holding bonds-why or why not?

Taylor Larimore wrote:
Sat Aug 04, 2018 8:45 pm
jjwpls:

Money I cannot afford to lose is in Vanguard Total Bond Market Index Fund whose worst annual loss was -2.66% in 1994 (TBM gained +16% in 1995). The rest of my money is in stocks.

I sleep like a baby.

Best wishes.
Taylor
Ahhh, finally - a practical solution to my insomnia! :wink:
by Call_Me_Op
Sun Aug 05, 2018 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Market Timing Bonds vs. Money Market with Rising Interest Rates
Replies: 27
Views: 2831

Re: Market Timing Bonds vs. Money Market with Rising Interest Rates

All If I assume that interest rates are somewhat based on underlying government policy that seems to have some level of forecast, is it a bad idea to move pre-tax (401k, tIRA) investments between total bond and money market as some sort of slow movement market timing for fixed income ? Thank You Ye...
by Call_Me_Op
Sun Aug 05, 2018 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Muni Bond vs CDs
Replies: 5
Views: 579

Re: Muni Bond vs CDs

They are two different animals. One can default and the other cannot. You therefore cannot compare them on yield alone.
by Call_Me_Op
Sun Aug 05, 2018 6:19 am
Forum: Investing - Help with Personal Investments
Topic: VINEX international fund
Replies: 29
Views: 1539

Re: VINEX international fund

They invest in different things. Don't chase performance.
by Call_Me_Op
Fri Aug 03, 2018 12:50 pm
Forum: Personal Consumer Issues
Topic: Ticks and common sense?
Replies: 74
Views: 3964

Re: Ticks and common sense?

.... My understanding is that a negative blood test doesn't mean that Lyme is not present.....treatment is based on symptoms following a tick bite rather than on a positive blood test. You have it backwards. If the first blood test (assuming the patient has waited the requisite time since the bite)...
by Call_Me_Op
Fri Aug 03, 2018 11:38 am
Forum: Local Chapters and Bogleheads Community
Topic: How did you become a Boglehead?
Replies: 53
Views: 3381

Re: How did you become a Boglehead?

I think I was always a Boglehead - or programmed to be one. I just didn't know what I was doing when I was younger. As I educated myself, I morphed into a Boglehead because it's the best way to invest. Fundamentally, I am a truth seeker. I am always open-minded to the truth. I may not always like wh...
by Call_Me_Op
Fri Aug 03, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: Ticks and common sense?
Replies: 74
Views: 3964

Re: Ticks and common sense?

I spent my entire youth in the woods, largely without bug spray. Had a few ticks, but no problems. I don't know your age, but keep in mind that in most areas, the deer tick problem has gotten exponentially worse in recent years. When I was a kid, Lyme disease didn't really exist outside of a few is...
by Call_Me_Op
Thu Aug 02, 2018 5:44 pm
Forum: Investing - Theory, News & General
Topic: 4% rule .. but when?
Replies: 35
Views: 4109

Re: 4% rule .. but when?

international001 wrote:
Thu Aug 02, 2018 5:14 am

You could argue that 100% stocks is too much at retirement,...
Yes, that would be my argument.
by Call_Me_Op
Thu Aug 02, 2018 5:40 pm
Forum: Personal Consumer Issues
Topic: Ticks and common sense?
Replies: 74
Views: 3964

Re: Ticks and common sense?

I live in a high tick part of the country. Unlike many folks who have posted above, I don't take chances - period. I hire a landscaper to do the yard work, and I take my walks in a local park on paved paths. I can enjoy the view of nature without touching it. Some may consider this crazy, but I pref...
by Call_Me_Op
Thu Aug 02, 2018 7:50 am
Forum: Investing - Help with Personal Investments
Topic: Unexpected early retirement - requesting advice
Replies: 56
Views: 6564

Re: Unexpected early retirement - requesting advice

If someone asks what you do, just tell them you're retired. They will think you are wealthy (which is pretty much true).
by Call_Me_Op
Tue Jul 31, 2018 7:20 am
Forum: Investing - Help with Personal Investments
Topic: Newbie enlightened by Bogleheads
Replies: 23
Views: 3091

Re: Newbie burned by bonds

I first heard about Bogleheads about five years ago and was encouraged by the relative simplicity of the Boglehead approach. However, I wasn't quite sure so I procrastinated and looked at other options like hiring a money manager, which didn't work out. I did do very nicely with Bank of America sto...
by Call_Me_Op
Sun Jul 29, 2018 6:24 am
Forum: Investing - Help with Personal Investments
Topic: Your age in bonds?
Replies: 57
Views: 6409

Re: Your age in bonds?

I would appreciate a little clarification. I've seen the rule of thumb to invest your age in bonds however, I believe that some have said that the bond allocation should include the capitalized value of pensions and SS. Can someone please clarify this? Also, not being a financial wizard, I take it ...
by Call_Me_Op
Sun Jul 29, 2018 6:10 am
Forum: Investing - Theory, News & General
Topic: Passive Index Investing, A Bubble Bound To Burst?
Replies: 114
Views: 11370

Re: Passive Index Investing, A Bubble Bound To Burst?

Broadly speaking, we have stocks and we have bonds. If you want to minimize the impact of a stock market meltdown on your portfolio, put more money in bonds and less in stocks. I don't care if we are talking growth stocks, value stocks, dividend stocks, stocks with high insider ownership, etc. A sto...
by Call_Me_Op
Sat Jul 28, 2018 4:39 pm
Forum: Investing - Theory, News & General
Topic: Help Me Understand Bond Funds
Replies: 13
Views: 1240

Re: Help Me Understand Bond Funds

teacherguy wrote:
Sat Jul 28, 2018 3:59 pm
Also, I assume that in a fund I am only earning on the increase in value for each share of the fund. Is that correct? There is no other value at maturity as with individual bonds. Correct?
Not sure what you mean. A bond fund is nothing more than a "basket" of individual bonds.
by Call_Me_Op
Sat Jul 28, 2018 6:42 am
Forum: Investing - Help with Personal Investments
Topic: If Vanguard has 388 funds why should I stick with a 3 fund portfolio?
Replies: 15
Views: 2439

Re: If Vanguard has 388 funds why should I stick with a 3 fund portfolio?

Well, you could invest in all 388 funds - but I assume that is too complex. So the flip side is a simple but still diversified portfolio. Could be a single fund if you want. The question you need to ask when adding funds is what are you getting for the added complexity.
by Call_Me_Op
Fri Jul 27, 2018 6:42 am
Forum: Investing - Help with Personal Investments
Topic: Conservative asset management during retirement?
Replies: 15
Views: 1525

Re: Conservative asset management during retirement?

livesoft wrote:
Thu Jul 26, 2018 12:42 pm
Another guideline is not to go conservative. For example, just stick with a 60/40 portfolio for a long, long time.
...or 40/60
by Call_Me_Op
Thu Jul 26, 2018 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella Insurance
Replies: 11
Views: 1222

Re: Umbrella Insurance

Hi - Question regarding umbrella insurance... I currently have umbrella insurance (as I own several investment properties), and recently read that umbrella policies typically cover 4 properties. What do real estate investors do when thew own more than those number of properties? I.e. if I'm startin...
by Call_Me_Op
Thu Jul 26, 2018 11:12 am
Forum: Investing - Theory, News & General
Topic: When Buckets Really aren’t Buckets.
Replies: 18
Views: 1866

Re: When Buckets Really aren’t Buckets.

It seems to me that the bucketeers have allowed their strategy to drift over time, so that what people are calling the "Bucket Approach" today is essentially the same as the old-fashioned rebalanced stock/bond mix. At least that's how I see it. The only real difference is the so-called Bucket Approa...
by Call_Me_Op
Thu Jul 26, 2018 7:20 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Size Factor Not Dead
Replies: 46
Views: 4443

Re: Larry Swedroe: Size Factor Not Dead

I don't see how the size factor can ever die when clearly, small companies are riskier than large companies. Why would anyone invest in riskier companies if there were no return premium? Return premium? Isn't it just return potential ? What is a more likely to become a 10-bagger, a 500M market cap ...
by Call_Me_Op
Thu Jul 26, 2018 7:18 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Size Factor Not Dead
Replies: 46
Views: 4443

Re: Larry Swedroe: Size Factor Not Dead

I don't see how the size factor can ever die when clearly, small companies are riskier than large companies. Why would anyone invest in riskier companies if there were no return premium? That could be (and in fact based on the most recent research is ) just more beta and not actually a separate unc...
by Call_Me_Op
Thu Jul 26, 2018 7:05 am
Forum: Personal Consumer Issues
Topic: hearing devices
Replies: 5
Views: 461

Re: hearing devices

Not a precise answer, but my dad tried a generic hearing aid from online and was very unsatisfied. He is very happy with his Costco hearing aids that have been tuned to his specific hearing loss pattern. The modern hearing aids have other important features to address issues such as recruitment. Sim...
by Call_Me_Op
Thu Jul 26, 2018 7:03 am
Forum: Investing - Theory, News & General
Topic: Any reason to hold junk bond fund?
Replies: 50
Views: 4341

Re: Any reason to hold junk bond fund?

Also, there is an academic school of thought that your human capital already has the characteristics of a junk bond. No that’s not a joke. You probably want to be diversified AWAY from that if you are still working. I have heard of human capital being thought-of as a bond, but there is never any me...
by Call_Me_Op
Tue Jul 24, 2018 8:12 am
Forum: Personal Consumer Issues
Topic: High voltage powerlines near house
Replies: 72
Views: 5124

Re: High voltage powelines near house

How about those cell towers? They can popup anywhere and probably produce a lot more EM radiation, right? The issue is not EM radiation. EM radiation from power lines would only form at very great distances and would have miniscule power density. The issue is low-frequency (e.g., 60 Hz) reactive fi...
by Call_Me_Op
Tue Jul 24, 2018 8:03 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Size Factor Not Dead
Replies: 46
Views: 4443

Re: Larry Swedroe: Size Factor Not Dead

I don't see how the size factor can ever die when clearly, small companies are riskier than large companies. Why would anyone invest in riskier companies if there were no return premium?
by Call_Me_Op
Mon Jul 23, 2018 11:17 am
Forum: Personal Consumer Issues
Topic: High voltage powerlines near house
Replies: 72
Views: 5124

Re: High voltage powelines near house

How about those cell towers? They can popup anywhere and probably produce a lot more EM radiation, right? The issue is not EM radiation. EM radiation from power lines would only form at very great distances and would have miniscule power density. The issue is low-frequency (e.g., 60 Hz) reactive fi...