Search found 1367 matches

by z3r0c00l
Wed May 22, 2019 9:28 pm
Forum: Investing - Theory, News & General
Topic: Why not non traded REIT such as yield tree?
Replies: 25
Views: 1657

Re: Why not non traded REIT such as yield tree?

Why do they need your money in the first place if it is such a good business? They would have banks and VC and hedge funds all over them.
by z3r0c00l
Wed May 22, 2019 5:31 pm
Forum: Investing - Theory, News & General
Topic: just a general comment about "too conservative" investors here
Replies: 142
Views: 12564

Re: just a general comment about "too conservative" investors here

I have every expectation that stocks will outperform bonds over 20 years. Just not willing to bet my entire economic future and retirement on it. Buying bonds so that future me will have food to eat, stocks so that he may eat well.
by z3r0c00l
Thu May 16, 2019 6:05 am
Forum: Investing - Theory, News & General
Topic: Did you buy the 600+ dip last week ?
Replies: 126
Views: 7500

Re: Did you buy the 600+ dip last week ?

Didn't even buy the dip in winter 2018! Beyond being a poor strategy, buying the dip is the kind of thing that would lead me to worse behavior and so I avoid it. Everything is done by a pre-set schedule. The only good thing is bi-weekly 401K purchases and they sometimes capture good deals. That can ...
by z3r0c00l
Wed May 15, 2019 6:24 am
Forum: Investing - Theory, News & General
Topic: Vanguard Long Term Bond Index to charge 0.50% fee on purchases
Replies: 64
Views: 5652

Re: Vanguard Long Term Bond Index to charge 0.50% fee on purchases

Would much prefer it to be a sales fee if under 1 year, that rewards good behavior. Not so sure about the comments re. how this "goes to the fund" and thus helps long term holders. This fund probably costs near nothing to run, I don't think they need anything more than the small ER to operate it any...
by z3r0c00l
Tue May 14, 2019 9:04 pm
Forum: Personal Consumer Issues
Topic: Retirement home property - select good, better, best?
Replies: 24
Views: 2575

Re: Retirement home location, good, better, best

When picking out a tax haven state away from dem yanks, I would suggest you avoid the areas prone to flooding. Coastal homes in general are very exposed and that problem will continue to get worse. 500 year floods should be expected every few decades going forward. Cape cod and barrier islands along...
by z3r0c00l
Tue May 07, 2019 6:57 am
Forum: Personal Investments
Topic: Voya financial - Why would anyone use them?
Replies: 40
Views: 3854

Re: Voya financial - WHY WOULD ANYONE USE THEM?

We are part of a very large regional consortium of institutions that pool together for retirement and other benefits. They use Voya, I would guess, out of sheer inertia and lack of knowledge/interest. It is whatever company they had 30 year ago that was purchased by State Street Global Advisors, und...
by z3r0c00l
Mon May 06, 2019 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Side Hustle Ideas ?
Replies: 19
Views: 2740

Re: Side Hustle Ideas ?

Writing, editing, and fact checking book manuscripts in your area of expertise. Can work from home (or anywhere) and it pays $30-50 an hour. Find out your niche in the 9-5 world, find out who is publishing books on that subject, and make connections. Teaching/tutoring/TAing students in your field. S...
by z3r0c00l
Sun May 05, 2019 8:03 pm
Forum: Personal Investments
Topic: Futures Down
Replies: 45
Views: 3147

Re: Futures Down

Agree that this isn't a major market move, but can't share the cavalier attitude. When off-the-cuff political decisions cost me thousands of dollars at a moment's notice, it is hard to just go watch a TV show and forget about it. The silver lining is that, eventually, some deal will be made and then...
by z3r0c00l
Sun May 05, 2019 5:41 pm
Forum: Personal Investments
Topic: Futures Down
Replies: 45
Views: 3147

Re: Futures Down

Right, stocks fall on uncertainty and right now the trade/tariff situation is uncertain.
by z3r0c00l
Sat May 04, 2019 9:15 pm
Forum: Personal Investments
Topic: why not high yield and closed end muni funds?
Replies: 16
Views: 1330

Re: why not high yield and closed end muni funds?

The real question is can you get better returns from stocks with not much more volatility? I think so.
by z3r0c00l
Fri May 03, 2019 9:13 pm
Forum: Investing - Theory, News & General
Topic: Dollar cost buying into 30+ CAPE markets
Replies: 44
Views: 2391

Re: Dollar cost buying into 30+ CAPE markets

I keep a reasonably conservative bond allocation. Frankly, I don't care what the short term holds for stocks except to the extent that a severe crash could cost me my job. I won't be spending that money for at least 20 years, more like 30+. The diversified set of funds is re-balanced quarterly too, ...
by z3r0c00l
Fri May 03, 2019 8:36 am
Forum: Personal Investments
Topic: Riskfree 3.00% Yield?!
Replies: 33
Views: 6110

Re: Riskfree 3.00% Yield?!

Looks like a nice fund if your tax rate is on the higher side. My taxes are nice and low, so I'll be one of those millennials using bank accounts and CDs for short term.
by z3r0c00l
Thu May 02, 2019 9:06 pm
Forum: Personal Investments
Topic: Bonds offered no protection
Replies: 38
Views: 3677

Re: Bonds offered no protection

A bit surprised no one pointed this out before. Your entire method is wrong because bond funds make most of their return through the monthly dividends, not through capital gains. So you are simply not looking at total return, if you did, you would see that bonds have done reasonably well. And anywa...
by z3r0c00l
Thu May 02, 2019 7:00 pm
Forum: Personal Investments
Topic: Bonds offered no protection
Replies: 38
Views: 3677

Re: Bonds offered no protection

No way you lost anything on total return. Are you just talking about what you lost on your original purchase price per share? A bit surprised no one pointed this out before. Your entire method is wrong because bond funds make most of their return through the monthly dividends, not through capital g...
by z3r0c00l
Thu May 02, 2019 6:28 am
Forum: Personal Investments
Topic: Initial retirement investing in a record high stock market
Replies: 105
Views: 7733

Re: Initial retirement investing in a record high stock market

If you don't think stocks will continue to go up over the long run, why invest in stocks at all? That is the peculiar thing about this "all time high" fear. Stocks should be marking all time highs much of the time. If not, it wouldn't be a valid investment. A person afraid of all time highs would ha...
by z3r0c00l
Tue Apr 30, 2019 8:14 pm
Forum: Personal Investments
Topic: Ultimate No-Brainer Portfolio
Replies: 14
Views: 1695

Re: Ultimate No-Brainer Portfolio

Hi All, Completely new to this investing world. Was reading some old investing book in library and came across this. Ultimate No-Brainer Portfolio: Vanguard Total Stock Market Index VTSMX 40% Vanguard Total Bond Market Index VBMFX 40% Vanguard Total International Stock Index VGTSX 20% For someone w...
by z3r0c00l
Tue Apr 30, 2019 6:34 am
Forum: Personal Investments
Topic: Dividends: do you like cash or reinvestment?
Replies: 19
Views: 1927

Re: Dividends: do you like cash or reinvestment?

I like to reinvest in round lots of at least $500 to simplify future transactions, so I take dividends in cash, and then buy whatever is down at the time allowing for a rebalance at the same time.
by z3r0c00l
Sun Apr 28, 2019 5:47 am
Forum: Personal Finance (Not Investing)
Topic: Daughter's First Job
Replies: 45
Views: 3654

Re: Daughter's First Job

Full time job sounds better and she would benefit from the chance to live on her own (or with roomate?) in a modern city full of culture and young-person networks. It isn't so much about this job, but about 5-10 years down the road. Choice 2 probably offers her better opportunities in the future, in...
by z3r0c00l
Fri Apr 26, 2019 3:26 pm
Forum: Personal Investments
Topic: Dump international?
Replies: 228
Views: 14834

Re: Dump international?

Someone will have to give me a more compelling reason why one should avoid investing in companies including: Nestle SA Tencent Holdings Ltd. Royal Dutch Shell plc Alibaba Group Holding Ltd. Samsung Electronics Co. Ltd. Novartis AG Roche Holding AG Taiwan Semiconductor Manufacturing Co. Ltd. HSBC Ho...
by z3r0c00l
Fri Apr 26, 2019 8:59 am
Forum: Personal Investments
Topic: Dump international?
Replies: 228
Views: 14834

Re: Dump international?

Someone will have to give me a more compelling reason why one should avoid investing in companies including: Nestle SA Tencent Holdings Ltd. Royal Dutch Shell plc Alibaba Group Holding Ltd. Samsung Electronics Co. Ltd. Novartis AG Roche Holding AG Taiwan Semiconductor Manufacturing Co. Ltd. HSBC Hol...
by z3r0c00l
Wed Apr 24, 2019 9:30 pm
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 307
Views: 36853

Re: I’m still not a fan of international bond funds

p.s. Either way it is everyone's choice, but one can NOT say they are a market cap guy if they omit 20% or so of the money invested in the world. I got that rough number from Mr. Ferri's own excellent book "AAAA". If I remember it was a great pie graph in the first page or so. market cap referring ...
by z3r0c00l
Wed Apr 24, 2019 5:27 am
Forum: Personal Investments
Topic: Is company’s 401k match based on base salary or social security salary?
Replies: 41
Views: 2677

Re: Is company’s 401k match based on base salary or social security salary?

The confusion on this alone, as well as the odd choice to base it off of a number that varies widely among staff due to personal needs, and apparently punishes you for being a savy saver, is bad sign for this person. I get the nagging impression she simply has no idea and is just making things up no...
by z3r0c00l
Mon Apr 22, 2019 6:26 am
Forum: Investing - Theory, News & General
Topic: Efficient Markets Indeed
Replies: 48
Views: 3871

Re: Efficient Markets Indeed

Speculation is a distraction from the real business of investing.
by z3r0c00l
Sun Apr 21, 2019 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Notice of Pendency of Class Action
Replies: 11
Views: 1358

Re: NOTICE OF PENDENCY OF CLASS ACTION

Use extreme caution, but this is a real settlement and you could get a refund and $10 coupon. I got one of these years ago and it was real, they mailed me a check.
by z3r0c00l
Sun Apr 21, 2019 7:40 pm
Forum: Personal Investments
Topic: Need to sleep at night...Must rebalance!
Replies: 23
Views: 3484

Re: Need to sleep at night...Must rebalance!

Well I know it isn't as significant when you are so successful, but you are leaving $10,000 a year on the table by not keeping your emergency fund in an account that pays real interest. Most online savings accounts offer 2% or more now.
by z3r0c00l
Tue Apr 16, 2019 9:09 pm
Forum: Personal Investments
Topic: How often do you check up on your investments?
Replies: 35
Views: 2187

Re: How often do you check up on your investments?

I check daily when stocks are up, about weekly when down. I enjoy watching the changes, it can be fun. Certainly not needed.
by z3r0c00l
Tue Apr 16, 2019 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Job Offer Evaluation - FANG
Replies: 100
Views: 9727

Re: Job Offer Evaluation - FANG

I would go for the money unless you think the new job might have dangerously low job security.
by z3r0c00l
Tue Apr 16, 2019 6:41 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 902
Views: 86911

Re: U.S. stocks continue to soar!

If you are still waiting, it looks like you lost another $30 to inaction today : )
by z3r0c00l
Mon Apr 15, 2019 6:54 am
Forum: Investing - Theory, News & General
Topic: Crypto bulls are back. Are you getting in?
Replies: 147
Views: 11453

Re: Crypto bulls are back. Are you getting in?

Just wait for Amazon and Amex coin!
by z3r0c00l
Thu Apr 11, 2019 9:39 pm
Forum: Personal Investments
Topic: Savings by 30?
Replies: 45
Views: 5906

Re: Savings by 30?

Not sure I would have savings before getting rid of debt, depending on interest rates and other details. I think 100K by 30 is solid, I had a bit more at that age but who cares? I am glad to have more than twice as much at 37 as I did at 30. It will speed up like that especially when the markets do ...
by z3r0c00l
Thu Apr 11, 2019 6:41 am
Forum: Personal Finance (Not Investing)
Topic: Wife hates new job...wants to quit after 1 day
Replies: 191
Views: 18784

Re: Wife hates new job...wants to quit after 1 day

Thanks for the update. I get an even stronger sense that this chaos is really an opportunity. A corporate "killer" would see that and use it to their advantage. Bide your time and work the angles. Worst case scenario, you earn twice the median household income in this country for a year then move on.
by z3r0c00l
Wed Apr 10, 2019 5:55 pm
Forum: Investing - Theory, News & General
Topic: Crypto bulls are back. Are you getting in?
Replies: 147
Views: 11453

Re: Crypto bulls are back. Are you getting in?

It is much easier to steal than to mine at this point, and there are plenty of countries and groups willing to do it. https://www.cnbc.com/2019/01/29/crime-still-plague-cryptocurrencies-as-1point7-billion-was-stolen-last-year-.html And if it isn't stolen, you might lose it all if the owner of the c...
by z3r0c00l
Wed Apr 10, 2019 6:40 am
Forum: Investing - Theory, News & General
Topic: Socially Responsible [Investing]
Replies: 58
Views: 3699

Re: Socially Responsible

Well lots of the socially responsible funds, including the stinker offered by Vanguard and briefly found in my company 401K, just load up on whatever the big thing is in the SP 500 anyway. In other words, Facebook, Apple, etc. Now Apple looks green and new economy because their users are young and h...
by z3r0c00l
Tue Apr 09, 2019 9:28 pm
Forum: Investing - Theory, News & General
Topic: Crypto bulls are back. Are you getting in?
Replies: 147
Views: 11453

Re: Crypto bulls are back. Are you getting in?

Not interested. Could work, but I prefer lotto tickets if I want to gamble. They are honest about the odds and I trust them to pay me if I win. The pointlessness and bubble-like nature of the crypto craze isn't actually my first concern, however. Instead, I am most wary of the fact that apparently, ...
by z3r0c00l
Tue Apr 09, 2019 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Wife hates new job...wants to quit after 1 day
Replies: 191
Views: 18784

Re: Wife hates new job...wants to quit after 1 day

Stick it out for a few more days at least. However there is an inflection point where it looks worse on the resume. 1-2 weeks you can say it wasn't a good fit and move on. Upwards of 6 months and it starts to look bad on the employee side, like they couldn't hack it.
by z3r0c00l
Tue Apr 09, 2019 6:43 am
Forum: Personal Investments
Topic: 5-8 year investment time frame
Replies: 7
Views: 1001

Re: 5-8 year investment time frame

A 5 year CD at 3% isn't looking that bad. Wouldn't hope to get much more. Sure you could gamble it on stocks, but that means you might have less money than you started with in 5-8 years.
by z3r0c00l
Sat Mar 30, 2019 7:20 am
Forum: Personal Investments
Topic: How often do you check your accounts?
Replies: 53
Views: 3038

Re: How often do you check your accounts?

When markets are going up, I check daily. When down, I generally check a few times per month. I find it enjoyable and a bit motivating to watch it go up. When goes down, I do something else enjoyable like revisiting expenses to look for ways to save more or looking for new sources of income. This so...
by z3r0c00l
Fri Mar 29, 2019 8:04 pm
Forum: Personal Investments
Topic: Age in Bonds?
Replies: 38
Views: 3860

Re: Age in Bonds?

I looked at how various portfolios did in the past and decided on a simple rule that I can follow easily:

Age-10 in bonds with 5% precision, rebalancing quarterly. At 60, I don't intend to ever drop below 50/50 but who knows what the world will be like then.
by z3r0c00l
Fri Mar 29, 2019 5:32 pm
Forum: Personal Investments
Topic: Failed land investments and what to do with it?
Replies: 86
Views: 6460

Re: Failed land investments and what to do with it?

Can you share the general location of the lots? It would be worth examining them for any extractive value before selling. At a minimum, I would borrow a metal detector and check the properties for meteorites. https://imgur.com/Ds5EknD Top 4 Markers and the Bottom 1 Marker are my lots, ignore the re...
by z3r0c00l
Fri Mar 29, 2019 4:59 pm
Forum: Personal Investments
Topic: Failed land investments and what to do with it?
Replies: 86
Views: 6460

Re: Failed land investments and what to do with it?

Can you share the general location of the lots? It would be worth examining them for any extractive value before selling. At a minimum, I would borrow a metal detector and check the properties for meteorites.
by z3r0c00l
Thu Mar 28, 2019 7:39 pm
Forum: Personal Investments
Topic: $480K, no job, special needs kids, what to do?
Replies: 52
Views: 5483

Re: $480K, no job, special needs kids, what to do?

Don't think this quandary can be settled with investing. I would find a way to get back earning asap and without a doubt, you are going to have to do it for at least 10 more years. This is crucial as you will need to boost your Social Security and savings. It sounds like you were previously in a ver...
by z3r0c00l
Wed Mar 27, 2019 10:00 pm
Forum: Investing - Theory, News & General
Topic: How much $$ would it take for you walk away from investing?
Replies: 45
Views: 4183

Re: How much $$ would it take for you walk away from investing?

There is no amount, I would always strive to earn more. More money to leave to charities and family at a minimum, not to mention living better like seeing the world via business class and having a few vacation spots around the world. Plus, the best food and wine runs you a few thousand a day. Maybe ...
by z3r0c00l
Wed Mar 27, 2019 7:29 am
Forum: Personal Investments
Topic: Australia Market Undervalued?
Replies: 12
Views: 926

Re: Australia Market Undervalued?

On the other hand, they have billions worth of opal and uranium so if you want to invest in extraction, it could be a good market.
by z3r0c00l
Mon Mar 25, 2019 5:46 am
Forum: Investing - Theory, News & General
Topic: 10 Year/3 Month Treasuries Inversion
Replies: 100
Views: 8354

Re: 10 Year/3 Month Treasuries Inversion

columbia wrote:
Mon Mar 25, 2019 5:43 am
The 10 year is actually lower than the 1 month:
https://www.treasury.gov/resource-cente ... data=yield

Make of that, what you will.
A recession in the next 10 years seems likely.
by z3r0c00l
Fri Mar 22, 2019 8:18 am
Forum: Investing - Theory, News & General
Topic: Series I Savings Bonds Buying Opportunity
Replies: 52
Views: 9269

Re: Series I Savings Bonds Buying Opportunity

I will wager that you don't know any more (or less) than I do on future interest rates. Cosmo True in general, but you don't seem to be aware of the fact that the fixed rate has never been higher than the 10-year TIPS as long as that was above zero. I was going to wait until May to buy for this yea...
by z3r0c00l
Thu Mar 21, 2019 6:37 pm
Forum: Investing - Theory, News & General
Topic: Series I Savings Bonds Buying Opportunity
Replies: 52
Views: 9269

Re: Series I Savings Bonds Buying Opportunity

I will wager that you don't know any more (or less) than I do on future interest rates. Cosmo True in general, but you don't seem to be aware of the fact that the fixed rate has never been higher than the 10-year TIPS as long as that was above zero. I was going to wait until May to buy for this yea...
by z3r0c00l
Mon Mar 18, 2019 6:47 am
Forum: Personal Investments
Topic: Mourning the loss of savings rate
Replies: 38
Views: 4366

Re: Mourning the loss of savings rate

I am single, frugal, and not sure I do better than 30% each year... Married with kids I'd be happy with 15%.
by z3r0c00l
Sun Mar 17, 2019 6:25 am
Forum: Personal Investments
Topic: Stock forecasts, ESPP and more
Replies: 38
Views: 1553

Re: Stock forecasts, ESPP and more

If CNN could forecast stock returns, they wouldn't have to be in the news business anymore. The very fact that CNN does not trade stocks full time indicates that these predictions don't work. Well, it is obvious to me that forecasts that CNN publishes are produced not by CNN, but rather by some fin...
by z3r0c00l
Sat Mar 16, 2019 8:37 pm
Forum: Personal Investments
Topic: Stock forecasts, ESPP and more
Replies: 38
Views: 1553

Re: Stock forecasts, ESPP and more

If CNN could forecast stock returns, they wouldn't have to be in the news business anymore. The very fact that CNN does not trade stocks full time indicates that these predictions don't work.