Search found 543 matches

by EyeYield
Wed Sep 27, 2017 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones (again)
Replies: 28
Views: 2306

Re: Edward Jones (again)

Thanks again guys; all the comments: livesoft; Lou354;goingup; bolderboy; monkey-business; Taylor-Larimore; sixty forty; retiredjg; 1210sda; pkcrafrter; Fallible; and pqwerty. I will take some time and look at all these ideas and suggestions; I appreciate them all. The 3-fund suggestion merits some...
by EyeYield
Tue Sep 19, 2017 9:05 am
Forum: Investing - Theory, News & General
Topic: Bond Fund Philosophy
Replies: 18
Views: 2718

Re: Bond Fund Philosophy

Kitty: Prior to Irma's arrival, Taffy and I moved from our Miami water-front condo to a safe inland Comfort Suites motel where I am typing this. We are returning to our home in a few hours. I understand that we will have electricity but no Comcast cable. This means I'll not be able to read or post ...
by EyeYield
Mon Sep 11, 2017 11:50 am
Forum: Investing - Help with Personal Investments
Topic: Financial Independence Mindset
Replies: 83
Views: 6731

Re: Financial Independence Mindset

WanderingDoc wrote:
Sun Sep 10, 2017 11:13 pm

Judging by the dozens of PMs I receive on the topic of real estate, the interest is definitely there.
This is a very open forum and there's no need to hide or pretend, so there will be dozens of BH sharing what you shared with them. That's what this community is all about.
by EyeYield
Wed Sep 06, 2017 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Wife believes 7+% returns from stock market are guaranteed
Replies: 64
Views: 5727

Re: Wife believes 7+% returns from stock market are guaranteed

As long as your wife has the guarantee in writing, backed by a reputable deity, I see no reason to lock this thread. :twisted:
by EyeYield
Mon Aug 21, 2017 11:16 am
Forum: Investing - Theory, News & General
Topic: Mike Piper and CDs
Replies: 54
Views: 6057

Re: Wade Pfau and CDs

[edited for clarity after OP corrected thread title - moderator prudent] From today's oblivious investor: "Still, if I were to make a change, I know exactly what it would be. I would swap out my bond funds for CDs. Allan Roth has convinced me that active management is worthwhile in fixed-income — v...
by EyeYield
Thu Aug 17, 2017 10:39 pm
Forum: Investing - Help with Personal Investments
Topic: Lost $7000 today in ONE DAY!
Replies: 183
Views: 16217

Re: Lost $7000 today in ONE DAY!

Some perspective. The market has gone up about 120% over the past eight years. Today the S&P 500 was down 1.5%. Some further perspective. Almost 30 years ago I woke up to find my portfolio down 23%. That was my first exercise in portfolio discipline and since that time I've gotten a lot more exercis...
by EyeYield
Thu Aug 10, 2017 1:23 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3959
Views: 1052608

Re: U.S. stocks in freefall

The definition of "freefall" certainty has changed since this thread started.

Compare the percentage drop from the OP to what it is today.

Thinking that today's movement is an actionable event proves Mr Bogle was right in my quote below.
by EyeYield
Sat Jul 29, 2017 10:07 pm
Forum: Personal Consumer Issues
Topic: Medicare Plan F and Part D: Use a Broker or Not?
Replies: 19
Views: 1642

Re: Medicare Plan F and Part D: Use a Broker or Not?

See one of your state's SHIP counselors. They will help you navigate you Medicare Advantage/Supplement plan options free of charge with no hidden agenda. This. My SHIP counselor was very knowledgeable, being a retired doctor, and provided me with a list of the 27 insurance companies that sold Medig...
by EyeYield
Sat Jul 29, 2017 6:23 pm
Forum: Personal Consumer Issues
Topic: Medicare Plan F and Part D: Use a Broker or Not?
Replies: 19
Views: 1642

Re: Medicare Plan F and Part D: Use a Broker or Not?

See one of your state's SHIP counselors. They will help you navigate you Medicare Advantage/Supplement plan options free of charge with no hidden agenda. This. My SHIP counselor was very knowledgeable, being a retired doctor, and provided me with a list of the 27 insurance companies that sold Medig...
by EyeYield
Sat Jul 29, 2017 1:20 pm
Forum: Personal Consumer Issues
Topic: Medicare Plan F and Part D: Use a Broker or Not?
Replies: 19
Views: 1642

Re: Medicare Plan F and Part D: Use a Broker or Not?

See one of your state's SHIP counselors. They will help you navigate you Medicare Advantage/Supplement plan options free of charge with no hidden agenda. This. My SHIP counselor was very knowledgeable, being a retired doctor, and provided me with a list of the 27 insurance companies that sold Medig...
by EyeYield
Thu Jul 27, 2017 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: Why are they beating S/P? What am I missing?
Replies: 72
Views: 4561

Re: Why are they beating S/P? What am I missing?

Sometimes beating the market happens. My Fidelity Trend Fund has beat the broader market for 60 years. http://quotes.morningstar.com/chart/fund/chart?t=FTRNX®ion=usa&culture=en_US&dataParams=%7B%22zoomKey%22%3A10%2C%22version%22%3A%22US%22%2C%22showNav%22%3Atrue%2C%22defaultShowName%22%3A%22name%...
by EyeYield
Tue Jul 25, 2017 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: Money Market Account
Replies: 13
Views: 921

Re: Money Market Account

You don't say if you have an account at a brokerage firm, but if you do you may not have to open a new account anywhere else. For example, if you have a Vanguard account they have a premium money market with a 7 day yield of 1.11% with a $3000 minimum. http://financials.morningstar.com/money-market/...
by EyeYield
Sun Jul 16, 2017 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Buying beach bungalow in San Diego for Winters
Replies: 55
Views: 4986

Re: Buying beach bungalow in San Diego for Winters

While potentially not applicable to your situation, because you have family to look after your property if you faced a situation where you couldn't for a long period of time, I think this is still interesting to consider. http://enewspaper.latimes.com/infinity/article_popover_share.aspx?guid=4244187...
by EyeYield
Fri Jul 14, 2017 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Estate planning to avoid probate
Replies: 16
Views: 1712

Re: Estate planning to avoid probate

Yes, it's very state dependent, check the statute for your state. You don't want to go through probate in California. In most states, lawyers charge by the hour or collect a flat fee for probate work. Not so in California. It’s one of only a few states that let lawyers charge a “statutory fee”—an am...
by EyeYield
Fri Jul 14, 2017 12:32 pm
Forum: Investing - Theory, News & General
Topic: 90:10 AA - what don't you believe about it?
Replies: 101
Views: 7448

Re: 90:10 AA - what don't you believe about it?

...I think more like John Bogle and stay on the conservative side and be happy when I have Enough. Am I betting against Warren Buffett. NO WAY! I am just doing what I know I can handle. Do you really think more like John Bogle? Bogle says to treat pensions and SS as equivalent to fixed income inves...
by EyeYield
Wed Jul 12, 2017 12:25 pm
Forum: Personal Consumer Issues
Topic: Coyote control
Replies: 66
Views: 4715

Re: Coyote control

As I said, owners with free roaming cats must not really care about the ground nesting birds and songbirds. They like to think of their introduced species of a pet as "being free" and "doing what is natural" ... when in reality they (jointly) have created an ecological holocaust for our bird popula...
by EyeYield
Wed Jul 12, 2017 2:05 am
Forum: Personal Consumer Issues
Topic: Coyote control
Replies: 66
Views: 4715

Re: Coyote control

Is your cat free roaming? Is that legal where you live? My current cat is a feral (not a stray) that I rescued from the wilds of my immediate neighborhood. So I guess you can't be more free roaming than that. As far as legal matters are concerned, she has no rap sheet that I'm aware of. As I said, ...
by EyeYield
Tue Jul 11, 2017 8:29 pm
Forum: Personal Consumer Issues
Topic: Coyote control
Replies: 66
Views: 4715

Re: Coyote control

Is your cat free roaming? Is that legal where you live? My current cat is a feral (not a stray) that I rescued from the wilds of my immediate neighborhood. So I guess you can't be more free roaming than that. As far as legal matters are concerned, she has no rap sheet that I'm aware of. As I said, ...
by EyeYield
Tue Jul 11, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: Coyote control
Replies: 66
Views: 4715

Re: Coyote control

Is your cat free roaming? Is that legal where you live?
My current cat is a feral (not a stray) that I rescued from the wilds of my immediate neighborhood. So I guess you can't be more free roaming than that. As far as legal matters are concerned, she has no rap sheet that I'm aware of.
by EyeYield
Tue Jul 11, 2017 8:58 am
Forum: Investing - Help with Personal Investments
Topic: EE Bonds?
Replies: 44
Views: 2228

Re: EE Bonds?

Hello All - I randomly read up on I Bonds and EE Bonds this past year. I think I liked the EE Bonds more. Has ANYONE ever reaped the benefits of them? Buy 10k per year, hold for 20 years, let them double in value and get cash for that amount? Does that rule still exist? (the part where it doubles i...
by EyeYield
Mon Jul 10, 2017 8:07 pm
Forum: Personal Consumer Issues
Topic: Coyote control
Replies: 66
Views: 4715

Re: Coyote control

Anywhere within 20 minutes from downtown LA it's illegal to shoot coyotes. This is a problem for all of us who live in this area. I've chased a single coyote around the block twice before it headed up the hill after it chased my previous feline years ago. Feline escaped. I remembered this story http...
by EyeYield
Thu Jul 06, 2017 8:53 am
Forum: Investing - Theory, News & General
Topic: What is a "sleeve"?
Replies: 34
Views: 3448

Re: What is a "sleeve"?

Once upon a time it was misunderstood that you could earn more sessions by sleeving.
https://m.youtube.com/watch?v=23fisMIjELw
by EyeYield
Tue Jun 27, 2017 10:02 pm
Forum: Investing - Theory, News & General
Topic: where to go to learn about investing?
Replies: 20
Views: 1718

Re: where to go to learn about investing?

I have two books on request at the library: Bogleheads guide to investing and Guide to Retirement Planning (haven't received these yet)
Great start, once you finish those books you'll have less questions.

Also, another vote for Random Walk and Four Pillars.
by EyeYield
Tue Jun 27, 2017 9:45 pm
Forum: Personal Consumer Issues
Topic: swimming goggles
Replies: 29
Views: 2300

Re: swimming goggles

Back in the days of brick and mortar stores, I went into my local Sports Chalet and tried on about two dozen pairs of goggles and ended up with Aquashere Seal XP, which stayed on my face without using the strap, so I've used them ever since. Under water, zero leakage! But my face shape isn't your fa...
by EyeYield
Tue Jun 20, 2017 12:05 pm
Forum: Personal Consumer Issues
Topic: MyCokeRewards 9 days left
Replies: 4
Views: 706

Re: MyCokeRewards 9 days left

Mmmm....I guess I'll hold onto my Coke stock certificates. :happy
by EyeYield
Tue Jun 13, 2017 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: Another one of those "We are at the peak, crash is coming, how do I invest?" posts!
Replies: 75
Views: 6306

Re: Another one of those "We are at the peak, crash is coming, how do I invest?" posts!

Why worry about a market crash when you can predict when it's going to happen? (No need to index and expect a measly 6-8% return, when you can predict the future.) FYI, that's me being facetious. I stumbled onto this while looking for something unrelated. A 100% Perfect Predictor of Stock Market Cra...
by EyeYield
Sat Jun 10, 2017 8:12 pm
Forum: Personal Consumer Issues
Topic: AAA Cost
Replies: 85
Views: 7515

Re: AAA Cost

Just got my bill today, $49. Los Angeles.
45 year member.
by EyeYield
Sat Jun 10, 2017 11:57 am
Forum: Personal Consumer Issues
Topic: Overpaid Big Time On Warranty
Replies: 55
Views: 3437

Re: Overpaid Big Time On Warranty

I'm looking to go to the dealership to cancel the extended warranty in the next hour. Any tips or resistance I should expect to encounter? Just tell them that on your way home from the dealer your Check Contract Light came on and recommended you return it to the dealer. And don't forget to praise t...
by EyeYield
Wed Jun 07, 2017 9:01 pm
Forum: Personal Consumer Issues
Topic: Earthquake insurance in SOCAL
Replies: 28
Views: 1921

Re: Earthquake insurance in SOCAL

I recently moved to Southern California and will be moving to Rancho Cucamonga at the end of the month. I need to purchase insurance for my new home. The earthquake insurance is VERY expensive. What are the SOCAL bogleheads thoughts on buying earthquake insurance for this area? I imagine the closer...
by EyeYield
Sun Jun 04, 2017 9:07 am
Forum: Investing - Theory, News & General
Topic: Everything keeps going up, this feels too easy?
Replies: 113
Views: 9845

Re: Everything keeps going up, this feels too easy?

If you think this is easy.....
Some perspective.
It was only a short time ago when today's yang was yesterday's yin.
viewtopic.php?t=80065

I imagine the number on my balance is half of what it says and live my life accordingly.
by EyeYield
Sat Jun 03, 2017 4:31 pm
Forum: Investing - Theory, News & General
Topic: Everything keeps going up, this feels too easy?
Replies: 113
Views: 9845

Re: Everything keeps going up, this feels too easy?

To me it feels surreal. I stopped working in January 2010 (with no intention to permanently retire) and withdrew enough to pay my expenses for a year. In March I did this for the eighth year in a row and not only is my portfolio worth substantially more than it was in 2010, my balance is back up to ...
by EyeYield
Thu Jun 01, 2017 4:33 pm
Forum: Personal Consumer Issues
Topic: Is anyone missing their signed Bogle bobblehead?
Replies: 8
Views: 1002

Is anyone missing their signed Bogle bobblehead?

This may be a completely innocent case of a Boglehead needing to raise funds, but I found it suspicious that the eBay seller has only had an account for a week and only has this one item for sale, so I thought it might be prudent to alert the community. http://www.ebay.com/itm/EXTREMELY-RARE-John-Ja...
by EyeYield
Thu May 18, 2017 4:54 pm
Forum: Investing - Theory, News & General
Topic: For those with $500k-$1m in investments...
Replies: 138
Views: 14401

Re: For those with $500k-$1m in investments...

90% taxable. When I opened my IRA the limit was $1500, then increased to $2000 while I still contributed. I think I contributed $3000 once, when that was the limit. These were among my best earning years, so I always contributed more to taxable. Also, I started investing 10 years before there was su...
by EyeYield
Thu May 18, 2017 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: Just opened CD ladders at Fidelity and Vanguard
Replies: 12
Views: 2238

Re: Just opened CD ladders at Fidelity and Vanguard

I did the same yesterday. I found the one year CD ladder starting at 1% for three months going to 1.35% for twelve months to be compelling enough to stop procrastinating and rescue some of my cash from earning zero. Usually the rates, while staying in Fidelity, are not very competitive, but these ra...
by EyeYield
Sun May 14, 2017 3:30 pm
Forum: Investing - Theory, News & General
Topic: Anyone catching the CNBC movie Madoff: from Millions to Billions???
Replies: 15
Views: 4749

Re: Anyone catching the CNBC movie Madoff: from Millions to Billions???

If I were to spend time on that subject tonight, I'd rather see Robert De Niro and Michelle Pfeiffer in "Wizard of Lies" on HBO.

Edit: I misread the schedule, The Wizard of Lies airs next Saturday.
by EyeYield
Wed May 10, 2017 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: Help appreciated, if you can be patient with a newbie
Replies: 12
Views: 1421

Re: Help appreciated, if you can be patient with a newbie

MCGWX holds US stocks, international stocks, and bonds. It has Class C shares with a 1% back-end load, meaning a 1% commission will be paid to your advisor if you sell before a certain time, often one year. Its expense ratio is 1.80% which is extremely high. Wrapped in that 1.80% expense ratio is a...
by EyeYield
Sun May 07, 2017 11:08 am
Forum: Investing - Help with Personal Investments
Topic: What if the market drops right after I invest? Now the market is at all-time high..
Replies: 27
Views: 2664

Re: What if the market drops right after I invest? Now the market is at all-time high..

I've heard so many times this sentence in the office, that I need to talk about it. I'd like to dissect this sentence in two parts and I'm looking for data to prove each point: 1) Now the market is at all time high: Is there any chart that outlines the number of market "highs" in the last...
by EyeYield
Fri May 05, 2017 9:21 pm
Forum: Investing - Theory, News & General
Topic: Buffett/IBM
Replies: 73
Views: 6770

Re: Buffett/IBM

10% of my portfolio is in IBM at a very low cost basis from a small stock gift when I was very young. Curious what Bogleheads would do given 20 quarters of revenue decline and Buffett's sell announcement. Also, Cramer likes it so that's a red flag. Big tax hit to sell it. Thoughts? I was/am in a si...
by EyeYield
Fri Apr 21, 2017 10:49 am
Forum: Investing - Theory, News & General
Topic: Single most important investing advice?
Replies: 97
Views: 12891

Re: Single most important investing advice?

Educate yourself to the point of financial literacy so you can take your own advice.
by EyeYield
Wed Apr 19, 2017 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: Financial Advisor's Calculations Accurate re: VFINX v their Fund?
Replies: 13
Views: 1272

Re: Financial Advisor's Calculations Accurate re: VFINX v their Fund?

The paper also showed an alternate scenario, but this time the money was invested in whatever investment their company uses. Were there any specifics given as to what that investment was? If there was only a comparison of a real fund to a fictional fund, I guess this FA could make any claims he wan...
by EyeYield
Tue Apr 18, 2017 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Did anything surprise you in your 2016 taxes?
Replies: 83
Views: 8086

Re: Did anything surprise you in your 2016 taxes?

Not really a surprise, because I knew it was coming, but thanks to the Coca-Cola Enterprises merger to form Coca-Cola European and the Baxalta/Shire merger, I had double my estimated income causing me to pay back my ACA subsidy. Total state and federal owed, about $6000. Ouch! I can rationalize that...
by EyeYield
Tue Apr 18, 2017 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: why bond funds are sharply up today?
Replies: 13
Views: 2399

Re: why bond funds are sharply up today?

http://news.morningstar.com/articlenet/article.aspx?id=802969 answers the question. "By the time the Federal Reserve hiked rates in March, the markets had widely priced in the move..." But as for today , I thought is was in reaction to the "Why would anyone want to buy bond funds?&qu...
by EyeYield
Mon Apr 17, 2017 10:47 am
Forum: Investing - Help with Personal Investments
Topic: Why would anyone want to buy bond funds?
Replies: 92
Views: 10199

Re: Why would anyone want to buy bond funds?

Imagine being 70 1/2 in 2007 and being 100% stocks when forced to take your RMDs. m Having zero bonds wouldn't have been a very good plan. I was 100% stocks most of my life, but having won the game, I refuse to risk having to pull my RMDs from a down stock market. 100% stocks, for me, is simply fool...
by EyeYield
Wed Apr 12, 2017 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Im new, Im reading "the Book". Question for my kids....
Replies: 27
Views: 2478

Re: Im new, Im reading "the Book". Question for my kids....

Why not start 529s for your kids. Fidelity will start an account for $20 a month automatic deposit. If you don't plan on them attending college, you could use a Robo advisor, like Betterment, that has no minimum to open an account and set it up for an automatic monthly deposit to the tune of $20. Un...
by EyeYield
Tue Mar 28, 2017 9:49 am
Forum: Investing - Theory, News & General
Topic: Baby Boomer Retirement Stats
Replies: 6
Views: 1905

Re: Baby Boomer Retirement Stats

My takeaway from the "article" and articles like it, is that baby boomers are targets for information and should never enter any information after reading them. So, DO NOT - Simply click here to discover how to learn more about these strategies . Instead, click here: https://www.bogleheads...
by EyeYield
Wed Mar 22, 2017 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Do I owe my Financial Advisor a Fee for part of this year?
Replies: 6
Views: 726

Re: Do I owe my Financial Advisor a Fee for part of this year?

You don't say why you're paying your advisor $900 per year, but you do state that he is a fiduciary that claims actively managed accounts would pay for themselves over the long term. Based on that information, I would ask for proof of his claims and lacking that, I would ask for a return of the fees...
by EyeYield
Mon Mar 20, 2017 8:22 pm
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 129
Views: 20427

Re: Sitting on cash....Waiting for a crash

Another quote from "Deep Risk": " Most importantly, shallow risk mandates deep liquidity. If you do not have a large amount highly liquid and safe reserves—for the average individual, Treasuries and CDs—you will not have the wherewithal to weather the employment setbacks that come wi...
by EyeYield
Mon Mar 20, 2017 9:19 am
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 129
Views: 20427

Re: Sitting on cash....Waiting for a crash

Another quote from "Deep Risk": " Most importantly, shallow risk mandates deep liquidity. If you do not have a large amount highly liquid and safe reserves—for the average individual, Treasuries and CDs—you will not have the wherewithal to weather the employment setbacks that come wit...
by EyeYield
Sun Mar 19, 2017 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm
Replies: 34
Views: 3150

Re: State Farm

. . . If you don't like your SF agent, you can always switch to another. I did that a few years ago, and the new agent is much better than the previous one. This is a change from my experience. They used to have territories, and agents refused to take on customers from another agent's territory. I ...
by EyeYield
Wed Mar 15, 2017 5:00 pm
Forum: Personal Consumer Issues
Topic: What to do with $100???
Replies: 78
Views: 6285

Re: What to do with $100???

So many great suggestions, which in and of itself is worth more than $100, imo.
If you haven't already, how about paying for them?

The John C. Bogle Center for Financial Literacy
6977 Navajo Rd., Suite 147, San Diego CA 92119
An IRS-approved non-profit Public Charity

Or here:
https://www.bogleheads.org/support.htm