Search found 1274 matches

by z3r0c00l
Fri Jan 18, 2019 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth moving
Replies: 7
Views: 739

Re: Is it worth moving

Consider VUSXX with a 2.3% yield and state tax free. Dont have to chase rates as they go up when rates go up. It has expense ration of 0.09% - whats the maintenance fee for this account? I believe the yield is net of the fee, no? I wouldn't switch banks unless the new one had a special offer such a...
by z3r0c00l
Fri Jan 18, 2019 5:42 pm
Forum: Investing - Theory, News & General
Topic: Bogle "5% Gold"
Replies: 75
Views: 6728

Re: Bogle "5% Gold"

That requires that the person who wants it knows that it's there. To paraphrase Tyler Durden, the first rule of owning gold is that you don't own any gold. A local resident didn't follow this rule, and when he went back years later to trade some Gold stashed in his house, he found it had been swapp...
by z3r0c00l
Fri Jan 18, 2019 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Capital One 360 MM for $500 bonus
Replies: 31
Views: 2471

Re: Capital One 360 MM for $500 bonus

$200 for $10,000 seems pretty solid!
by z3r0c00l
Fri Jan 18, 2019 9:46 am
Forum: Investing - Theory, News & General
Topic: Bogle "5% Gold"
Replies: 75
Views: 6728

Re: Bogle "5% Gold"

grayfox wrote:
Fri Jan 18, 2019 9:30 am
Were you stopped and searched at the border crossing for valuables, e.g. U.S. Dollars, Euros, Gold, diamonds. Was cash and valuables confiscated at the border? :?:

I'm wondering if people could get their gold out of the country.
Sure, if you leave a portion of the roll behind in bribes.
by z3r0c00l
Tue Jan 15, 2019 9:13 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 174
Views: 10038

Re: Are You Dumping Netflix?

Not worried about a minor increase in price. Already saving a fortune, having cancelled cable years ago. Actually will have to check the math; probably made more money on the pop in NFLX stock today than the increase will cost me for a few years.
by z3r0c00l
Tue Jan 15, 2019 7:21 pm
Forum: Investing - Theory, News & General
Topic: Cryptocurrency
Replies: 10
Views: 1098

Re: Cryptocurrency

They may think it is the future, or they may think they will find a next greater fool. Either way, it is a bubble for certain, and the risk is not worth the reward.
by z3r0c00l
Fri Jan 11, 2019 6:36 pm
Forum: Personal Consumer Issues
Topic: NYC restaurant hidden gems?
Replies: 25
Views: 1940

Re: NYC restaurant hidden gems?

Well you are staying in the tourist trap section of Manhattan and so will be subject to the most expensive and worst restaurants in the city. The best places are in Brooklyn and Queens so you may want to invest in a metro card! For example: https://ny.eater.com/maps/where-to-eat-in-flushings-chinato...
by z3r0c00l
Fri Jan 11, 2019 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Biggest Investment Mistake
Replies: 164
Views: 11215

Re: Biggest Investment Mistake

Started investing with an adviser at Chase. Assumed that because they were my bank, they would want to do right by me. They didn't, he sold sub-par (but not horrific) mutual funds by Franklin Templeton. I learned early enough to change course, taught him about Vanguard and I-bonds while explaining w...
by z3r0c00l
Mon Jan 07, 2019 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: Military Retirement = Treasury Inflation Protected Security (TIPS)? Does this change the way I allocate?
Replies: 20
Views: 1334

Re: Military Retirement = Treasury Inflation Protected Security (TIPS)? Does this change the way I allocate?

There are two, entirely personal, perspectives to take on this matter. Either you have good financial security and so can afford to take more risks with your investments. Or you have good financial security and so have no real need to take on more risk. Possibly there is a third path, you have good ...
by z3r0c00l
Sun Jan 06, 2019 7:17 am
Forum: Investing - Help with Personal Investments
Topic: Low risk, fixed 5% return too good to be true?
Replies: 27
Views: 3837

Re: Low risk, fixed 5% return too good to be true?

I would rate this bond at junk level and consider 5% actually quite low considering the risk.
by z3r0c00l
Fri Jan 04, 2019 11:05 pm
Forum: Investing - Help with Personal Investments
Topic: New Job. lowest expense mutual fund available is 1.84%. should we invest in taxable instead?
Replies: 20
Views: 1913

Re: New Job. lowest expense mutual fund available is 1.84%. should we invest in taxable instead?

I would get the company match if it is half-way decent, especially if you don't need to keep the money in too long, e.g. 5-10 years from retirement. And then work on getting them some information on fees and if you can do so safely, push for something better.
by z3r0c00l
Tue Jan 01, 2019 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone allocating more into International funds this year?
Replies: 28
Views: 1652

Re: Anyone allocating more into International funds this year?

I have been re-balancing into international for two years now. It has not been fun but I am at market weight right now. Hope it outperforms soon : )
by z3r0c00l
Tue Jan 01, 2019 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: dealing with capital loss on bond fund/etf
Replies: 8
Views: 508

Re: dealing with capital loss on bond fund/etf

Little ventured, little gained. Just bear that in mind, you will probably lose money in the long run in exchange for reduced volatility.
by z3r0c00l
Tue Jan 01, 2019 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone else in frontier markets?
Replies: 31
Views: 1543

Re: Anyone else in frontier markets?

I avoid it because of the histories of many of these countries including hyper-inflation, default, war, political instability, and so on, but especially the corruption. Forget ER, how much money is being left behind due to bribes and other corruption? I’ve been told that all of this is priced-in al...
by z3r0c00l
Tue Jan 01, 2019 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Anyone else in frontier markets?
Replies: 31
Views: 1543

Re: Anyone else in frontier markets?

I avoid it because of the histories of many of these countries including hyper-inflation, default, war, political instability, and so on, but especially the corruption. Forget ER, how much money is being left behind due to bribes and other corruption?
by z3r0c00l
Tue Jan 01, 2019 9:27 am
Forum: Investing - Theory, News & General
Topic: Wall Street Expert 2019 predictions are above the base rate
Replies: 13
Views: 1296

Re: Wall Street Expert 2019 predictions are above the base rate

This kind of speculation would be more fun if I had any confidence at all in their ability to predict : (
by z3r0c00l
Tue Jan 01, 2019 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Best place to keep track of market
Replies: 24
Views: 1682

Re: Best place to keep track of market

I have never really kept track of the market. Like in December I really did not know about the decline until day later. You know, that could be a healthy thing! Imagine an investing career like a big open water crossing in a boat. If you focus on every single wave, you might get seasick or lose tra...
by z3r0c00l
Tue Jan 01, 2019 9:11 am
Forum: Investing - Theory, News & General
Topic: CNN Headline: The Dow finishes off its worst December since the Great Depression
Replies: 15
Views: 2650

Re: CNN Headline: The Dow finishes off its worst December since the Great Depression

CNN needs to have new headlines every day, as do all of the media. I salute their creativity but not their sensationalism. CNN has become the official “mountain out of a molehill” network Not sure why you think the headline has anything in particular to do with CNN? His (soon to be redacted) politi...
by z3r0c00l
Mon Dec 31, 2018 7:27 am
Forum: Investing - Theory, News & General
Topic: What causes/creates the next bull market?
Replies: 17
Views: 1357

Re: What causes/creates the next bull market?

Green energy especially solar power AI/neural networks/deep learning as applied to business Quantum computing Crypto-blockchain but this time done by real companies like Amex or PayPal Exploitation of unconventional resources such as arctic ocean minerals/fossil fuels or methane clathrates [OT comme...
by z3r0c00l
Sun Dec 30, 2018 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: 7% guaranteed return fund in 403b
Replies: 23
Views: 2935

Re: 7% guaranteed return fund 403b?

My mother is a NYC teacher and this is one of the best investments ever available. Madoff-like, except that it is real. Contribute the max and never touch this money until everything else is spent. My parents now have RMDs that they must take from it, but it is basically interest only.
by z3r0c00l
Sun Dec 30, 2018 7:21 am
Forum: Investing - Help with Personal Investments
Topic: How compare rates for CD's vs Bond Funds? SEC Yield , Return,. Price Chart?
Replies: 15
Views: 1474

Re: How compare rates for CD's vs Bond Funds? SEC Yield , Return,. Price Chart?

Not sure they are, several have said CDs are a good choice and I also agree with them. You recently sold a bond fund at the worst possible time, locking in losses. I would suggest CDs instead, that will reduce the desire to tinker.
by z3r0c00l
Sun Dec 30, 2018 7:17 am
Forum: Investing - Help with Personal Investments
Topic: Will Bond Fund's NAV rebound if I wait long enough?
Replies: 25
Views: 1973

Re: Will Bond Fund's NAV rebound if I wait long enough?

Welp the NAV doesn't rebound when you buy high and sell low, which is what you did. If you were not comfortable with bond funds, CDs are just fine as an alternative. You won't see them change in value, although in reality they are changing in value with interest rates, since when there are higher CD...
by z3r0c00l
Sat Dec 29, 2018 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: SPIA for 85 year old
Replies: 18
Views: 1506

Re: SPIA for 85 year old

They are offering you $18,000 a year on a median survival time of 6.5 years for $115,000, which is about 6.5 years worth of payments. Of course they get to hold the money all the while and invest it. It seems like a very good deal and perfectly reasonable offer. This offers peace of mind if she beco...
by z3r0c00l
Sat Dec 29, 2018 6:22 pm
Forum: Personal Consumer Issues
Topic: Shoes to wear with jeans to the office?
Replies: 87
Views: 5604

Re: Shoes to wear with jeans to the office?

I bought a pair of their boots months ago and love them. I wear them in a casual office and on the weekends. https://thursdayboots.com/ +1 for Thursday Boots. $150 boots that look like they cost 3x as much. Good enough looking that women complement me on them from across the room so that is a good ...
by z3r0c00l
Fri Dec 28, 2018 11:05 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Founder Jack Bogle Says It’s Time to Play It Safe]
Replies: 153
Views: 13585

Re: [Vanguard Founder Jack Bogle Says It’s Time to Play It Safe]

The student has become the teacher. There is no way to determine the time to play safe. This could be a hiccup in the middle of a 20 year secular bull like 82-2000. Those only happen perhaps once or twice in a lifetime.
by z3r0c00l
Fri Dec 28, 2018 10:07 am
Forum: Investing - Theory, News & General
Topic: Nobody asked me but
Replies: 46
Views: 4594

Re: Nobody asked me but

For #7 I am sure the OP will tell you how actively managed funds have performed beautifully in 2018 by hand-picking a few funds based upon having the hind-sight of their prior performance. Active management of actively managed funds (Active Management Squared, TM) has done well this year due to use...
by z3r0c00l
Fri Dec 28, 2018 9:51 am
Forum: Investing - Theory, News & General
Topic: Nobody asked me but
Replies: 46
Views: 4594

Re: Nobody asked me but

I have a pretty low tolerance, but sometimes it is fun to read the day-trading articles on Google Finance. "Stocks testing a key double-cross resistance level" "Why stock-market investors fear historic rebound was just a ‘wicked bear trap’" "Avoid a double-dead-cat-bounce, says trader who called Dow...
by z3r0c00l
Fri Dec 28, 2018 8:46 am
Forum: Investing - Help with Personal Investments
Topic: Bear Market portfolios
Replies: 15
Views: 1826

Re: Bear Market portfolios

Doesn't sound very fun! : )

If you really don't need the money, and that is a great position to be in, might as well take some risks. For me, fun investing would be dabbling in individual stocks and buying property to manage. Make sure you really don't need the money, however.
by z3r0c00l
Fri Dec 28, 2018 8:33 am
Forum: Investing - Help with Personal Investments
Topic: Love Bond Funds but Hate Adjustable Rate Mortgages: Double Standard?
Replies: 13
Views: 714

Re: Love Bond Funds but Hate Adjustable Rate Mortgages: Double Standard?

For me, the scale and expense of a mortgage, and personal import, are all much greater than for bonds I hold. And I don't see the ARM as a better deal in the long run, where bond funds are attractive because they tend to offer more than CDs. The math: if I had a mortgage, it would be for $500,000+ a...
by z3r0c00l
Sun Dec 23, 2018 10:42 pm
Forum: Investing - Help with Personal Investments
Topic: anybody sell I Bonds to buy something else?
Replies: 48
Views: 4835

Re: anybody sell I Bonds to buy something else?

I will probably sell my zero fixed I bonds for a down payment on a home eventually. Until then, buying the max every year so that the better bonds push the zeros out the bottom.
by z3r0c00l
Sun Dec 23, 2018 9:46 pm
Forum: Investing - Theory, News & General
Topic: What was your best investment in 2018?
Replies: 127
Views: 7238

Re: What was your best investment in 2018?

First the real, depressing answer: I bonds.

Then the fun answer: did a pro-bono project and am now consulting in a brand-new field with more work lined up in 2019.
by z3r0c00l
Sat Dec 22, 2018 11:40 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10137
Views: 1786872

Re: U.S. stocks in free fall

Does anyone here believe that the short term bottom is in or is very close? I know most people here don't believe in market timing but just for the heck of it... I'll go first and say that we're pretty much done falling for now... that market may see some fallout from the govt shutdown (2-3%) but t...
by z3r0c00l
Sat Dec 22, 2018 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Have you moved to ETF's? Why or why not?
Replies: 84
Views: 9884

Re: Have you moved to ETF's? Why or why not?

Have not, the speculation on the securities within my mutual fund is already annoying enough, no desire to have my funds speculated upon too.
by z3r0c00l
Sat Dec 22, 2018 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Bills or Investing
Replies: 23
Views: 1405

Re: Bills or Investing

More info would be helpful, however the psychological benefits of getting out of debt are real. And debit is a sure thing, investing is always something if an unknown. If the mortgage rate is anything but abnormally low, I would do what you are doing. Invest enough to get employer match/max out tax ...
by z3r0c00l
Fri Dec 21, 2018 11:07 pm
Forum: Investing - Theory, News & General
Topic: 3-Fund + Gold: Why not a good idea?
Replies: 42
Views: 2317

Re: 3-Fund + Gold: Why not a good idea?

The problem is the gold part. Most gold is either buried underground in vaults, or in jewelry. It earns no profits, pays no dividends, and does not grow over time. All it does is cost you money for the privilege of speculating on how much others will pay you for it down the road. And on top of it al...
by z3r0c00l
Fri Dec 21, 2018 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: bond funds up since rate hikes
Replies: 9
Views: 1061

Re: bond funds up since rate hikes

Correct, the rate changes are on the Fed funds rate, extremely short term. The bonds held in a fund are weeks to decades, those rates are somewhat influenced by Fed activity, but in the end those long term rates are set by the market. The curve has been flattening, and stocks are tanking. Bond funds...
by z3r0c00l
Thu Dec 20, 2018 7:53 am
Forum: Investing - Help with Personal Investments
Topic: FAANG
Replies: 48
Views: 3705

Re: FAANG

You have a lot to learn. Most bogleheads thought like you when they were starting out. I believe Kyle is on the younger side, works in the FAANGs, and did not experience the dotcom implosion as an insider... Some folks just need to learn by experience.... unfortunately that experience can be painfu...
by z3r0c00l
Thu Dec 20, 2018 7:35 am
Forum: Investing - Help with Personal Investments
Topic: Trying to understand effect of interest rise to bond etfs
Replies: 1
Views: 190

Re: Trying to understand effect of interest rise to bond etfs

The change in a very short term interest rate may not have any predictable impact on the bonds you hold. They are mostly longer term, T notes and the like with years-long durations, and in the case of AGGG, lots of international bonds too. My us bond fund went up in price yesterday! However generall...
by z3r0c00l
Mon Dec 17, 2018 10:23 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2299
Views: 399881

Re: What are you up YTD? [Year To Date]

-6% or so. A sad/boring year for investing. Better than a sad/terrifying year for sure.
by z3r0c00l
Mon Dec 17, 2018 7:37 am
Forum: Investing - Theory, News & General
Topic: What type of bond investor are you?
Replies: 35
Views: 2715

Re: What type of bond investor are you?

A for sure. I have no argument against the idea that stocks have, and maybe always will recover over the span of 20-30 years and outperform other common asset classes. I also have no desire to risk my entire retirement and life's savings on testing it.
by z3r0c00l
Sun Dec 16, 2018 6:55 am
Forum: Investing - Theory, News & General
Topic: What Happened to you during the Financial crisis of 2007–2008
Replies: 249
Views: 20311

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

Entered full time employment in 2007, there was about a 3 year lag time in our industry. (Non-profit is hurt by lack of corporate giving the year or two after they tighten belts.) We made it through the actual crisis only to have a round of layoffs after. I was low on seniority so was also laid off....
by z3r0c00l
Sat Dec 15, 2018 10:16 am
Forum: Investing - Theory, News & General
Topic: What caused the JUSRX one day 10.5% drop on 12/12/18?
Replies: 7
Views: 696

Re: What caused the JUSRX one day 10.5% drop on 12/12/18?

Well it holds 148 stocks with none over 5%. So there is no way for a single stock to take it down 10% without leverage or something strange. Even if Apple were just gone tomorrow, this fund would only be down 5% from that event. (Ancillary repercussions in the market ignored, for a moment.) The hold...
by z3r0c00l
Fri Dec 14, 2018 11:41 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring next year, would appreciate some advice
Replies: 30
Views: 2973

Re: Retiring next year, would appreciate some advice

If only to show that there is a consensus on this question, one more vote to sell 90% of that company stock relatively quickly. If you sell half this month and half in January, I would understand. But wouldn't take much longer than that. The good news is you are comfortable for life. The last move i...
by z3r0c00l
Fri Dec 14, 2018 3:00 pm
Forum: Investing - Help with Personal Investments
Topic: Am I Investing Too Much?
Replies: 18
Views: 2008

Re: Am I Investing Too Much?

It all depends on age and how much you earn. I would personally want to save more each year than what you describe but if this is all you can do right now, that is all you can do!
by z3r0c00l
Fri Dec 14, 2018 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Bond Allocation in 40/60 Portfolio
Replies: 12
Views: 1101

Re: Bond Allocation in 40/60 Portfolio

So much agonizing about bond funds here, I personally use and suggest a total bond fund. It may not be optimal, but it certainly is cheap and simple. If no one can agree on bonds, that could be because it doesn't matter that much. If you need the money in less than 5-7 years, I would hold it in a sh...
by z3r0c00l
Fri Dec 14, 2018 8:48 am
Forum: Investing - Help with Personal Investments
Topic: Corporate Bond Investing Strategy
Replies: 28
Views: 1543

Re: Corporate Bond Investing Strategy

May I suggest adding a bond mutual fund to that chart too? Or a combination of stocks and bonds.
by z3r0c00l
Fri Dec 14, 2018 12:10 am
Forum: Investing - Help with Personal Investments
Topic: Corporate Bond Investing Strategy
Replies: 28
Views: 1543

Re: Corporate Bond Investing Strategy

Basically, I'm looking to alternate between being 100% invested in stocks and bonds at all times, according to a market timing strategy I developed At least backtest this if possible. Compare your strategy to a lazy portfolio over many years. Very few can beat the S&P500 index. I spent about 3 mont...
by z3r0c00l
Tue Dec 11, 2018 7:42 am
Forum: Investing - Help with Personal Investments
Topic: Total International Stock Market in a three fund portfolio?
Replies: 12
Views: 1057

Re: Total International Stock Market in a three fund portfolio?

Now, I could only go back ten years, so the comparison story between the total US market and the total int’l market might be appreciably different if I could go back twenty or thirty years. That is the crux of it, it is over 20-30+ years. International has had many periods of outperforming. This di...
by z3r0c00l
Sat Dec 08, 2018 4:34 pm
Forum: Investing - Theory, News & General
Topic: Do long-term bonds belong in one's portfolio?
Replies: 235
Views: 13172

Re: Do long-term bonds belong in one's portfolio?

All of your points are debatable, but #3 is simply incorrect. The oldest long treasury fund I could find is VUSTX, and over the past 32 years it has been 40% less volatile than S&P 500 on a daily basis. https://www.portfoliovisualizer.com/asset-correlations?s=y&symbols=VUSTX+VFINX&endDate=12%2F07%2...
by z3r0c00l
Sat Dec 08, 2018 4:20 pm
Forum: Investing - Theory, News & General
Topic: Do long-term bonds belong in one's portfolio?
Replies: 235
Views: 13172

Re: Do long-term bonds belong in one's portfolio?

I have thought about this as well and in fact posted similar ideas. Ultimately I have decided against them as the core of my bond allocation. 1) Because duration is so long, it may be many years for prices to recover. Many investors do not have that long of a timeframe, especially on the bond side....