Search found 4485 matches

by TheTimeLord
Sun Oct 22, 2017 7:07 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1539
Views: 272414

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

It depends on what you are trying to measure. If you are trying to measure portfolio size, then Beardstown accounting does the job. If you are trying to the measure performance of your investments, then Beardstown accounting doesn't do the job. What point does this actual have [/color] if you are a...
by TheTimeLord
Sun Oct 22, 2017 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Within your context: Do you consolidate a fund when it is 5% or less of total funds/investments and why?
Replies: 19
Views: 725

Re: Within your context: Do you consolidate a fund when it is 5% or less of total funds/investments and why?

I have often heard it advised to consolidate a fund if it is 5% or less of the total investment portfolio. I'm in the process of streamlining my funds. I understand combining funds where there is considerable overlap to reduce redundancy, but that is addresses another aspect. Thanks everyone for yo...
by TheTimeLord
Sun Oct 22, 2017 2:04 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1539
Views: 272414

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

It depends on what you are trying to measure. If you are trying to measure portfolio size, then Beardstown accounting does the job. If you are trying to the measure performance of your investments, then Beardstown accounting doesn't do the job. What point does this actual have if you are an index i...
by TheTimeLord
Sun Oct 22, 2017 10:35 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1539
Views: 272414

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

Curious what "Beardstown Accounting" is? Also, curious how people with paycheck deposits into their portfolios every two weeks, and big ticket purchases on top of daily COL calculate their returns? Seems like the math gets tedious quickly once you have harvested gains, then choose to reinvest those...
by TheTimeLord
Sun Oct 22, 2017 9:55 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1539
Views: 272414

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

This thread made me curious to look at a longer period of YTDs.

In the 7 full years from 2010-2016 using Beardstown accounting my portfolio increased in value by 13.88% annually. Currently 2017 looks like it will be an above average year.
by TheTimeLord
Sun Oct 22, 2017 9:24 am
Forum: Investing - Theory, News & General
Topic: Shiller: the 1987 stock market panic can happen again
Replies: 29
Views: 2468

Re: Shiller: the 1987 stock market panic can happen again

Shiller's view is that the growing concern about a possible market crash may be sowing the seeds for an actual market crash. But the Bogleheads won't be responsible for it, right? ... Many people believe that stock prices are already very high — the Dow Jones industrial average crossed 23,000 this ...
by TheTimeLord
Sat Oct 21, 2017 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: Worry market crush, selling 50%, but increase buying 100%
Replies: 39
Views: 3269

Re: Worry market crush, selling 50%, but increase buying 100%

I did some AA this month, move AA to 50/50. However, I did 401k purchase allocation to 100% into equity. US/Intl 50/50. Yes, I am more comfortable. I will capture 50% of market gain but limit 50% loss. In case of crash, I will be all in again. This year is good for me. I am up 18.8%. Apparently one...
by TheTimeLord
Sat Oct 21, 2017 10:37 am
Forum: Investing - Theory, News & General
Topic: Has the general public ever been correct about market crashes?
Replies: 40
Views: 2515

Re: Has the general public ever been correct about market crashes?

Everyone right now seems to think that a crash is imminent. Which makes me wonder if the exact opposite is true. Has the public ever been right about anything market timing related? Is "think the opposite of what everyone else thinks the market's headed" a viable strategy? The market is priced on w...
by TheTimeLord
Sat Oct 21, 2017 10:27 am
Forum: Investing - Theory, News & General
Topic: Has the general public ever been correct about market crashes?
Replies: 40
Views: 2515

Re: Has the general public ever been correct about market crashes?

Is "think the opposite of what everyone else thinks the market's headed" a viable strategy? Yes, it’s called contrarian investing. Entire (actively managed) mutual funds have been based on that strategy, such as Fidelity Contrafund. longdog, Isn't this also the essence of value investing, buying wh...
by TheTimeLord
Thu Oct 19, 2017 2:50 pm
Forum: Investing - Theory, News & General
Topic: Do Index ETFs and Mutual Funds mute the diversification value of their diverse holdings?
Replies: 5
Views: 366

Re: Do Index ETFs and Mutual Funds mute the diversification value of their diverse holdings?

Not really. The diversification benefit is basically because sometimes companies will do well at the expense of other companies. If people stop shopping at Target and start shopping at Walmart instead, that will tend to push Target's stock price down and Walmart's stock price up. The overall value ...
by TheTimeLord
Thu Oct 19, 2017 7:42 am
Forum: Investing - Theory, News & General
Topic: Do Index ETFs and Mutual Funds mute the diversification value of their diverse holdings?
Replies: 5
Views: 366

Do Index ETFs and Mutual Funds mute the diversification value of their diverse holdings?

With index ETFs and Mutual funds essentially buying and selling all the index stocks as a unit, instead of on the perceived merit of each individual holding, is the diversification value of these instruments nullified to some extent because failure or success in one sector or company translate into ...
by TheTimeLord
Tue Oct 17, 2017 7:35 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Decline in Delivery Service?
Replies: 54
Views: 4229

Re: Amazon Prime - Decline in Delivery Service?

Toons wrote:
Sun Oct 15, 2017 2:18 pm
Decline?
Nada...If anything,,
Service has gotten better. :happy
+1
by TheTimeLord
Mon Oct 16, 2017 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: Joined the 1 comma club today!!!
Replies: 18
Views: 3464

Re: Joined the 1 comma club today!!!

Today I placed the order that gave me 1,000 shares of VTI (Vanguard Total Market ETF) in my taxable account. Reaching this mark as a goal for 2017 as I work to increase the amount of equities held in my taxable accounts. I am now a proud member of the 1 comma club . one comma as is 1,000 shares of ...
by TheTimeLord
Mon Oct 16, 2017 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: Joined the 1 comma club today!!!
Replies: 18
Views: 3464

Joined the 1 comma club today!!!

Today I placed the order that gave me 1,000 shares of VTI (Vanguard Total Market ETF) in my taxable account. Reaching this mark as a goal for 2017 as I work to increase the amount of equities held in my taxable accounts. I am now a proud member of the 1 comma club.
by TheTimeLord
Sat Oct 14, 2017 9:32 pm
Forum: Personal Consumer Issues
Topic: How long for hedonic adaptation to set in?
Replies: 109
Views: 7129

Re: How long for hedonic adaptation to set in?

I will try my thought again, the inability of human beings to maintain a higher level of happiness through a single life achievement is what drives them to continual strive and achieve. Conversely, returning to a stable level of happiness also allows them to recover from failure and tragedy to move...
by TheTimeLord
Sat Oct 14, 2017 8:44 pm
Forum: Personal Consumer Issues
Topic: How long for hedonic adaptation to set in?
Replies: 109
Views: 7129

Re: How long for hedonic adaptation to set in?

To me it is misnamed (probably misunderstood), it should be the Hedonic Ladder. After all isn't this what human characteristic what really drives us to achieve, grow and advance as human beings and people? A ladder ends, a treadmill never ends. To your point, a treadmill can have an incline. Victor...
by TheTimeLord
Sat Oct 14, 2017 7:49 pm
Forum: Personal Consumer Issues
Topic: How long for hedonic adaptation to set in?
Replies: 109
Views: 7129

Re: How long for hedonic adaptation to set in?

I have always been interested in the "Hedonic treadmill" :happy “It’s not how much we have, but how much we enjoy, that makes happiness.” https://positivepsychologyprogram.com/hedonic-treadmill/ To me it is misnamed (probably misunderstood), it should be the Hedonic Ladder. After all isn't this wha...
by TheTimeLord
Sat Oct 14, 2017 7:41 pm
Forum: Personal Consumer Issues
Topic: How long for hedonic adaptation to set in?
Replies: 109
Views: 7129

Re: How long for hedonic adaptation to set in?

I have always been interested in the "Hedonic treadmill" :happy “It’s not how much we have, but how much we enjoy, that makes happiness.” https://positivepsychologyprogram.com/hedonic-treadmill/ To me it is misnamed (probably misunderstood), it should be the Hedonic Ladder. After all isn't this wha...
by TheTimeLord
Sat Oct 14, 2017 7:55 am
Forum: Personal Consumer Issues
Topic: 2017 BMW X1 purchase
Replies: 14
Views: 1152

Re: 2017 BMW X1 purchase

My comment is the setup in European cars is very different from Japanese models, if you have enjoyed your Japanese cars in the past make sure the BMW is for you. Not saying one is better than the other just that they are different and usually drivers have a preference of one versus the other.
by TheTimeLord
Wed Oct 11, 2017 9:28 am
Forum: Investing - Theory, News & General
Topic: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17
Replies: 87
Views: 12173

Re: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17

Fully valued. https:// www.thestreet.com /story/14333626/1/stock-market-is-fully-valued-says-vanguard-s-bogle.html ""One thing that I strongly urge: Don't ever, ever, ever if you're an investor think of being out of the market or in the market," Bogle said. Instead, an investor should adjust his or...
by TheTimeLord
Tue Oct 10, 2017 10:04 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 11783

Re: 100% in bond to wait for market crash?

Still not following. Check out the 3 and 5 year returns on total bond. Or look at the yield on 5 year treasuries (1.97% per fidelity). Or 5 year AAA corporate bonds (2.38% also per fidelity). Quality intermediate term bonds (and CDs) are right now poised to deliver after tax, after inflation return...
by TheTimeLord
Tue Oct 10, 2017 7:37 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 11783

Re: 100% in bond to wait for market crash?

I don't think CDs are a bad idea instead of bonds, but given the relative magnitude of a bond market "crash" (assuming high-quality intermediate term bonds like what you see in total bond market) versus a stock market crash, I'm a lot more afraid of stock market "bubbles" than bond "bubbles." There...
by TheTimeLord
Tue Oct 10, 2017 4:34 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 11783

Re: 100% in bond to wait for market crash?

Since the stock market value most expensive except year 2000 ( p/e https://www.quandl.com/data/MULTPL/SHILLER_PE_RATIO_MONTH-Shiller-PE-Ratio-by-Month ). Also since the bond having roughly 2.3% return, please convince me not to collect 2.3% in bond and wait for stock correction. I dont to want to s...
by TheTimeLord
Tue Oct 10, 2017 1:31 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 11783

Re: 100% in bond to wait for market crash?

Since the stock market value most expensive except year 2000 ( p/e https://www.quandl.com/data/MULTPL/SHILLER_PE_RATIO_MONTH-Shiller-PE-Ratio-by-Month ). Also since the bond having roughly 2.3% return, please convince me not to collect 2.3% in bond and wait for stock correction. I dont to want to s...
by TheTimeLord
Tue Oct 10, 2017 11:41 am
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 11783

Re: 100% in bond to wait for market crash?

Since the stock market value most expensive except year 2000 ( p/e https://www.quandl.com/data/MULTPL/SHILLER_PE_RATIO_MONTH-Shiller-PE-Ratio-by-Month ). Also since the bond having roughly 2.3% return, please convince me not to collect 2.3% in bond and wait for stock correction. I dont to want to s...
by TheTimeLord
Tue Oct 10, 2017 11:27 am
Forum: Investing - Theory, News & General
Topic: Has Vanguard hired Computershare to administer proxy voting?
Replies: 7
Views: 967

Re: Has Vanguard hired Computershare to administer proxy voting?

Read the proxy statement , vote online, and stop complaining about nothing. I've already seen it. If a company insists on calling me multiple times per day, I'm definitely complaining. What are you, a Computershare shill? https://www.yelp.com/biz/computershare-canton https://www.bbb.org/boston/busi...
by TheTimeLord
Sat Oct 07, 2017 11:46 am
Forum: Investing - Theory, News & General
Topic: AAII Article: Target Wealth A Better Bet For Achieving Wealth Goals
Replies: 13
Views: 2093

Re: AAII Article: Target Wealth A Better Bet For Achieving Wealth Goals

I have a nice pension and soon SS at age 70. That is a lot different than someone planning to retire at 55 with little or no pension. No truer words were ever spoken. For the vast majority of people SS is significant contributor to their retirement income once they start receiving it, and a pension...
by TheTimeLord
Sat Oct 07, 2017 11:34 am
Forum: Investing - Theory, News & General
Topic: Buy on Really Bad Days, Sell on Really Good Days?
Replies: 169
Views: 9239

Re: Buy on Really Bad Days, Sell on Really Good Days?

I rebalanced my portfolio over the last two days. I practice excellent personal hygiene. I even ran the dishes in the dishwasher yesterday. And on Mother's Day, I called my mother. Better than that, on Father's Day, I called my father. So I want to crow about my personal virtue. For a guy who had a...
by TheTimeLord
Sat Oct 07, 2017 11:26 am
Forum: Investing - Theory, News & General
Topic: I'm thinking about cashing completely out of equites....
Replies: 75
Views: 8134

Re: I'm thinking about cashing completely out of equites....

I just read an article describing this situation, this morning. You may find the article interesting, if you wish to reduce or eliminate equity exposure entirely. http://jlcollinsnh.com/2017/09/09/sleeping-soundly-thru-a-market-crash-the-wasting-asset-retirement-model/ He lost me with his example o...
by TheTimeLord
Sat Oct 07, 2017 8:14 am
Forum: Investing - Theory, News & General
Topic: I'm thinking about cashing completely out of equites....
Replies: 75
Views: 8134

Re: I'm thinking about cashing completely out of equites....

Studies have repeatedly shown that allocation changes made in reaction to feelings, gut instinct, valuation metrics, etc. typically don’t increase returns. I have no doubt that is true, but the OP is not seeking increased returns. He is essentially saying, "I have more than enough for the rest of m...
by TheTimeLord
Sat Oct 07, 2017 7:55 am
Forum: Investing - Theory, News & General
Topic: I'm thinking about cashing completely out of equites....
Replies: 75
Views: 8134

Re: I'm thinking about cashing completely out of equites....

I'm 56 years old and I have all the money I will ever need based on my lifestyle (boring). With the market overdue for a correction does it ever make sense to completely liqudate ones exposure to risk. I'm currently at a 50/50 mix. Thoughts? I don't think that make sense unless you have at least 10...
by TheTimeLord
Sat Oct 07, 2017 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 228
Views: 27977

Re: Identity theft

So here is what I know so far. The custodian of my father's IRA states that in early September they received a phone call from a man posing as my father, who passed all the security questions and requested a change in email address and that forms for withdrawal of funds be sent to that email. Aroun...
by TheTimeLord
Fri Oct 06, 2017 7:48 pm
Forum: Investing - Theory, News & General
Topic: Buy on Really Bad Days, Sell on Really Good Days?
Replies: 169
Views: 9239

Re: Buy on Really Bad Days, Sell on Really Good Days?

I rebalanced my portfolio over the last two days. I practice excellent personal hygiene. I even ran the dishes in the dishwasher yesterday. And on Mother's Day, I called my mother. Better than that, on Father's Day, I called my father. So I want to crow about my personal virtue. For a guy who had a...
by TheTimeLord
Fri Oct 06, 2017 6:02 pm
Forum: Investing - Theory, News & General
Topic: I'm thinking about cashing completely out of equites....
Replies: 75
Views: 8134

Re: I'm thinking about cashing completely out of equites....

If you think that the market is overdue, then experts too would know that. If experts and the public know that, everyone would be selling and liquidating by now, and if that is happening, then the market wouldn't be at its historical highs because of the low demand! Just because something is overdu...
by TheTimeLord
Fri Oct 06, 2017 5:33 pm
Forum: Investing - Theory, News & General
Topic: Buy on Really Bad Days, Sell on Really Good Days?
Replies: 169
Views: 9239

Re: Buy on Really Bad Days, Sell on Really Good Days?

I rebalanced my portfolio over the last two days. I practice excellent personal hygiene. I even ran the dishes in the dishwasher yesterday. And on Mother's Day, I called my mother. Better than that, on Father's Day, I called my father. So I want to crow about my personal virtue. For a guy who had a...
by TheTimeLord
Fri Oct 06, 2017 12:50 pm
Forum: Investing - Theory, News & General
Topic: Buy on Really Bad Days, Sell on Really Good Days?
Replies: 169
Views: 9239

Re: Buy on Really Bad Days, Sell on Really Good Days?

Before the end of the year, I will start a thread titled "Sell on Really Bad Days, Buy on Really Good Days?" This could happen for folks who rebalance based on a calendar date. Or maybe one noticed over the weekend that they hit a trigger for too much equities, so they submit an order Sunday night ...
by TheTimeLord
Fri Oct 06, 2017 12:48 pm
Forum: Investing - Theory, News & General
Topic: Buy on Really Bad Days, Sell on Really Good Days?
Replies: 169
Views: 9239

Re: Buy on Really Bad Days, Sell on Really Good Days?

I rebalanced my portfolio over the last two days. I practice excellent personal hygiene. I even ran the dishes in the dishwasher yesterday. And on Mother's Day, I called my mother. Better than that, on Father's Day, I called my father. So I want to crow about my personal virtue. For a guy who had a...
by TheTimeLord
Fri Oct 06, 2017 9:46 am
Forum: Investing - Theory, News & General
Topic: Some 'hints' about brokered CDs
Replies: 24
Views: 3469

Re: Some 'hints' about brokered CDs

I have both brokered and non-brokered CD's (purchased from online banks). My one problem with brokered is that the interest is not reinvested --- so, I end up having these small amounts accumulating in a core money market account. Does anyone else consider this issue? Nope, just invest it in my Tot...
by TheTimeLord
Fri Oct 06, 2017 7:30 am
Forum: Investing - Theory, News & General
Topic: Buy on Really Bad Days, Sell on Really Good Days?
Replies: 169
Views: 9239

Re: Buy on Really Bad Days, Sell on Really Good Days?

I rebalanced my portfolio over the last two days. I practice excellent personal hygiene. I even ran the dishes in the dishwasher yesterday. And on Mother's Day, I called my mother. Better than that, on Father's Day, I called my father. So I want to crow about my personal virtue. For a guy who had a...
by TheTimeLord
Fri Oct 06, 2017 7:25 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1539
Views: 272414

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

Up 14.75%. My guru says to expect another buying opportunity next year. I will enjoy this while it lasts. :sharebeer Doesn't he say that every year? No he doesn't. The last buy he issued was Feb of 2016. There will not be one issued for 2017 as it is unlikely that even if the market were to crash y...
by TheTimeLord
Thu Oct 05, 2017 9:43 pm
Forum: Investing - Theory, News & General
Topic: Buy on Really Bad Days, Sell on Really Good Days?
Replies: 169
Views: 9239

Re: Buy on Really Bad Days, Sell on Really Good Days?

I rebalanced my portfolio over the last two days. I practice excellent personal hygiene. I even ran the dishes in the dishwasher yesterday. And on Mother's Day, I called my mother. Better than that, on Father's Day, I called my father. So I want to crow about my personal virtue. For a guy who had a...
by TheTimeLord
Thu Oct 05, 2017 1:19 pm
Forum: Personal Consumer Issues
Topic: How do you value your time?
Replies: 97
Views: 3897

Re: How do you value your time?

I'm the kind of person who parks a mile away to avoid paying $20 for parking. I recently got married so this behavior is creating a lot of conflict. My spouse believes in "paying for convenience". I need help in how to value my time so I can find some common ground with my spouse. If I take my annu...
by TheTimeLord
Thu Oct 05, 2017 1:13 pm
Forum: Investing - Theory, News & General
Topic: Current Bull Market could last years
Replies: 89
Views: 9770

Re: Current Bull Market could last years

OK, so this is perhaps why there might be a correction if interest rates keep going up? After a certain point, it won't become profitable for companies to continue to sell bonds to do their buybacks and they will start selling shares to repay debt? Thereby triggering an episode of panic selling? Ju...
by TheTimeLord
Thu Oct 05, 2017 1:00 pm
Forum: Investing - Theory, News & General
Topic: Current Bull Market could last years
Replies: 89
Views: 9770

Re: Current Bull Market could last years

After reading the article in the OP, I actually feel more uneasy about equities. U ltimately, it appears from the article that the bull market over the past 10 years or so has been a product mostly of corporate buybacks. I don't know much about this topic, but isn't this a form of price manipulatio...
by TheTimeLord
Thu Oct 05, 2017 12:48 pm
Forum: Investing - Theory, News & General
Topic: Current Bull Market could last years
Replies: 89
Views: 9770

Re: Current Bull Market could last years

After reading the article in the OP, I actually feel more uneasy about equities. U ltimately, it appears from the article that the bull market over the past 10 years or so has been a product mostly of corporate buybacks. I don't know much about this topic, but isn't this a form of price manipulatio...
by TheTimeLord
Thu Oct 05, 2017 12:39 pm
Forum: Personal Consumer Issues
Topic: How do you value your time?
Replies: 97
Views: 3897

Re: How do you value your time?

Convenience is for lazy people - sorry to say, but that's what you are buying, a tool to feed lazyness If convenience is for lazy people then retirement is for really lazy people. Maybe that is the difference between financial independence and retirement ? Kidding aside, my point was the problem of...
by TheTimeLord
Thu Oct 05, 2017 12:34 pm
Forum: Investing - Theory, News & General
Topic: Buy on Really Bad Days, Sell on Really Good Days?
Replies: 169
Views: 9239

Re: Buy on Really Bad Days, Sell on Really Good Days?

I recommend you do some research on 'value averaging' and the 'value path' as developed by Michael Edleson. While there are different angles to approach it, what it really boils down to is managing your exposure to risky assets (in this context he means as opposed to fixed income) towards a targete...
by TheTimeLord
Thu Oct 05, 2017 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Where do you think the money will come from to move the overall market higher?
Replies: 31
Views: 2247

Re: Where do you think the money will come from to move the overall market higher?

Recent polls suggest the general public and professional money managers are both getting skittish about valuations. If these polls are correct, and if people slow their equity investments, where do you see the demand coming from? You have answered your own question. Skittish people are not all in, ...