Search found 55 matches

by BlueSkies
Mon May 20, 2019 10:37 am
Forum: Investing - Theory, News & General
Topic: Calculate total returns
Replies: 7
Views: 648

Re: Calculate total returns

Stock charts is another good site. Thanks for mentioning it.
by BlueSkies
Sun May 19, 2019 1:56 pm
Forum: Investing - Theory, News & General
Topic: Calculate total returns
Replies: 7
Views: 648

Re: Calculate total returns

Yes. I'll try that also. Graphs and percentqges are often fine, but occasionally it's revealng to see the actual $$$ of growth!!
by BlueSkies
Sun May 19, 2019 1:35 pm
Forum: Investing - Theory, News & General
Topic: Calculate total returns
Replies: 7
Views: 648

Re: Calculate total returns

Yes. I can do individual portfolios for each asset. Thanks.
by BlueSkies
Sun May 19, 2019 1:18 pm
Forum: Investing - Theory, News & General
Topic: Calculate total returns
Replies: 7
Views: 648

Calculate total returns

After viewing some of the Berkshire annual meeting, I became interested in looking again at some total returns. I want to compare several stocks and ETFs with the same initial investment over a period of years and see what the total returns would have been. I'm looking for some web sites to do that....
by BlueSkies
Tue Apr 02, 2019 7:50 pm
Forum: Investing - Theory, News & General
Topic: Help on Women and Investing
Replies: 90
Views: 6107

Re: Help on Women and Investing

OP/all More inspiring links Harold Pollock and John Bogle on Stephen Dublner's Freakanomics Everything You Always Wanted to Know About Money (But Were Afraid to Ask) (Ep. 298) http://freakonomics.com/podcast/everything-always-wanted-know-money-afraid-ask/ edit: "In the U.S., financial literacy has ...
by BlueSkies
Tue Apr 02, 2019 2:47 pm
Forum: Investing - Theory, News & General
Topic: Help on Women and Investing
Replies: 90
Views: 6107

Re: Help on Women and Investing

As a child of three I liked money and diligently saved my pennies in a bank. I liked the jingling money. This carried over my whole life - Saving became a habit. My dad gave Jane Bryan Quin’s First book on investing when I got my first job. A lot didn’t sink in, but low cost funds did. My second jo...
by BlueSkies
Tue Apr 02, 2019 2:28 pm
Forum: Investing - Theory, News & General
Topic: Help on Women and Investing
Replies: 90
Views: 6107

Re: Help on Women and Investing

Good story. Unfortunately, not enough of you. I met a young woman who told me her brother said she couldn't invest in the market because she wasn't good at math! What do you think of that? I have Dyscalcula (https://en.wikipedia.org/wiki/Dyscalculia) and net worth of 2.4 Million and 1.5 million por...
by BlueSkies
Tue Apr 02, 2019 2:24 pm
Forum: Investing - Theory, News & General
Topic: Help on Women and Investing
Replies: 90
Views: 6107

Re: Help on Women and Investing

The focus on women is a bit misleading here. That's like asking what we can do to get men interested in cooking so they don't starve if left without a partner. (And, of everyone I know personally, I'm the most interested in finance and least skilled at cooking, while my brother is a much better coo...
by BlueSkies
Tue Apr 02, 2019 2:17 pm
Forum: Investing - Theory, News & General
Topic: Help on Women and Investing
Replies: 90
Views: 6107

Re: Help on Women and Investing

As a volunteer, I teach an investment course in our community about beginning investing. I don’t sell anything. Not a FA. Just someone who learned. Many men who come are concerned about their wives, mothers, daughters or other women they know who are reluctant investors. I’d like to get more person...
by BlueSkies
Tue Apr 02, 2019 2:15 pm
Forum: Investing - Theory, News & General
Topic: Help on Women and Investing
Replies: 90
Views: 6107

Re: Help on Women and Investing

Women's Institute For A Secure Retirement Improving the long-term financial security of all women through education and advocacy: http://www.wiserwomen.org/ Michelle Singletary's column "The Color of Money" and podcast: https://www.google.com/search?client=firefox-b-1-d&q=michelle+singletary+podcas...
by BlueSkies
Tue Apr 02, 2019 2:06 pm
Forum: Investing - Theory, News & General
Topic: Help on Women and Investing
Replies: 90
Views: 6107

Re: Help on Women and Investing

. . . My question to you are: What has worked (even in part) for men reading this in helping women in their lives? What has worked (even in part) for women reading this in helping themselves or other women? Thanks Grandma Sylvia Here is a nice Vanguard Webcast on "Women and Investing." I would enco...
by BlueSkies
Tue Apr 02, 2019 2:04 pm
Forum: Investing - Theory, News & General
Topic: Help on Women and Investing
Replies: 90
Views: 6107

Re: Help on Women and Investing

My question to you are: What has worked (even in part) for men reading this in helping women in their lives? Nothing...I tried teaching Chess to my wife yrs ago, lasted less than 5 min, no interest in sports or car repair. Same with investing, no interest whatsoever. Man or Woman, either you are in...
by BlueSkies
Sat Mar 30, 2019 9:59 am
Forum: Investing - Theory, News & General
Topic: Help on Women and Investing
Replies: 90
Views: 6107

Re: Help on Women and Investing

Wow. Thanks to everyone. I appreciate your ideas and references. I'd like to continue to hear from you and others. I teach without reference to men or women, but my experiences have been that men are more likely to attend and more men invest than women. Does anyone know the ratio of women to men pos...
by BlueSkies
Sat Mar 30, 2019 9:56 am
Forum: Investing - Theory, News & General
Topic: Help on Women and Investing
Replies: 90
Views: 6107

Re: Help on Women and Investing

benjamen wrote:
Fri Mar 29, 2019 12:23 pm
Decent podcast I was just listening too about woman and money:
https://www.choosefi.com/your-money-and ... n-chatzky/
Thanks for the reference. If you find more, please let me know.
Grandma Sylvia
by BlueSkies
Fri Mar 29, 2019 7:50 pm
Forum: Investing - Theory, News & General
Topic: Help on Women and Investing
Replies: 90
Views: 6107

Re: Help on Women and Investing

I believe if both spouses are interested in investing, it takes some "give and take" and encouraging each other to do some on their own, even if it is not exactly the way they would do it. The same may be true in other subjects such as religion or politics, if one feels strongly, the other may just...
by BlueSkies
Fri Mar 29, 2019 7:42 pm
Forum: Investing - Theory, News & General
Topic: Help on Women and Investing
Replies: 90
Views: 6107

Re: Help on Women and Investing

It could just be random chance, but the women I know who are interested in investing and saving for retirement do not read many investment books and instead prefer investment podcasts and reading investment blogs. So maybe introduce them to several different mediums? Good insight. Young people are ...
by BlueSkies
Fri Mar 29, 2019 7:41 pm
Forum: Investing - Theory, News & General
Topic: Help on Women and Investing
Replies: 90
Views: 6107

Re: Help on Women and Investing

Are you trying to educate women that want to be independent investors? A lot of it is instilling confidence that the giant sea of complicated terms and strategies don't really matter. They aren't missing something by not knowing everything. So many people will throw their hands up in the air becaus...
by BlueSkies
Fri Mar 29, 2019 7:40 pm
Forum: Investing - Theory, News & General
Topic: Help on Women and Investing
Replies: 90
Views: 6107

Re: Help on Women and Investing

I'm an investment enthusiast and my wife would rather eat mud than deal at all with investing. What has worked is that I've written the names of all our accounts on a piece of paper and put it in our safe. Instructions for what to do: "Take money out, as needed from any of these accounts." She does...
by BlueSkies
Fri Mar 29, 2019 7:38 pm
Forum: Investing - Theory, News & General
Topic: Help on Women and Investing
Replies: 90
Views: 6107

Re: Help on Women and Investing

Well, for the father's concerned about daughters, I would advise telling them to teaching them and start young. My dad taught me about investing at an early age and encouraged me throughout my life. When I decided I wanted to change from my passport savings to a CD, he talked to me about it and hel...
by BlueSkies
Fri Mar 29, 2019 7:36 pm
Forum: Investing - Theory, News & General
Topic: Help on Women and Investing
Replies: 90
Views: 6107

Re: Help on Women and Investing

As a child of three I liked money and diligently saved my pennies in a bank. I liked the jingling money. This carried over my whole life - Saving became a habit. My dad gave Jane Bryan Quin’s First book on investing when I got my first job. A lot didn’t sink in, but low cost funds did. My second jo...
by BlueSkies
Fri Mar 29, 2019 7:34 pm
Forum: Investing - Theory, News & General
Topic: Help on Women and Investing
Replies: 90
Views: 6107

Re: Help on Women and Investing

livesoft wrote:
Fri Mar 29, 2019 7:11 pm
My spouse is an engineer. She has many friends who are engineers and accountants and whatever. She was in two different investment clubs. All those things helped.
I'm guessing her comfort with math, but what do you think?
by BlueSkies
Fri Mar 29, 2019 5:29 pm
Forum: Investing - Theory, News & General
Topic: Help on Women and Investing
Replies: 90
Views: 6107

Re: Help on Women and Investing

Thanks to everyone. Whether a woman invests independent or with an adviser, I believe it's important to have some basic understanding.
If anyone has more ideas or stories, please let me know.
Grandma Sylvia
by BlueSkies
Fri Mar 29, 2019 11:35 am
Forum: Investing - Theory, News & General
Topic: Help on Women and Investing
Replies: 90
Views: 6107

Help on Women and Investing

As a volunteer, I teach an investment course in our community about beginning investing. I don’t sell anything. Not a FA. Just someone who learned. Many men who come are concerned about their wives, mothers, daughters or other women they know who are reluctant investors. I’d like to get more persona...
by BlueSkies
Wed Mar 13, 2019 9:26 pm
Forum: Investing - Theory, News & General
Topic: What theory has changed, since you last took Economics/Finance courses in college?
Replies: 69
Views: 6060

Re: What theory has changed, since you last took Economics/Finance courses in college?

In part, the work of these scholars has changed economic theory. They won Nobel prizes as follows: • 1990 Harry M. Markowitz, Merton H. Miller, and William F. Sharpe "for their pioneering work in the theory of financial economics" • 2002 Daniel Kahnemann "for having integrated insights from psycholo...
by BlueSkies
Tue Mar 12, 2019 12:35 pm
Forum: Personal Investments
Topic: Spouse wants to buy individual stocks
Replies: 78
Views: 6388

Re: Spouse wants to buy individual stocks

Jason Zweig, WSJ, used the language: lockbox and sandbox. Buying individual stocks, if any, he advises be a very small percentage of your portfolio and be in your sandbox

See my Post 22. Sandbox
https://grandmasinvestingforbeginners.blog/

Grandma Sylvia
by BlueSkies
Mon Mar 04, 2019 8:06 pm
Forum: Personal Investments
Topic: Starting over at 28 and need a plan going forward
Replies: 23
Views: 3084

Re: Starting over at 28 and need a plan going forward

Lots of good advice here, especially about savings.
I want to help beginning investors so maybe my blog might help you.
https://grandmasinvestingforbeginners.b ... ey-begins/
Grandma Sylvia
by BlueSkies
Mon Mar 04, 2019 4:51 pm
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23529

Re: How to Begin with 1M

Rantandtor, You wrote: The big thing is, don't hesitate out of fear. You are only going to make it better for yourself in the long run, and the sooner the better. I will be 68 in a few weeks. I only wish I had found this forum 3 decades ago, but it's never too late. I agree. Late bloomer myself re i...
by BlueSkies
Sat Mar 02, 2019 1:09 pm
Forum: Personal Investments
Topic: What did wise people do with their investments in 2008
Replies: 101
Views: 8619

Re: What did wise people do with their investments in 2008

Like many who invest simply, I did nothing with the investments I had. I bought a little if I could. Primarily I ignored the noise. That's what I'm writing to novice investors about.

https://grandmasinvestingforbeginners.b ... ey-begins/

Grandma Sylvia
by BlueSkies
Mon Feb 25, 2019 3:08 pm
Forum: Personal Consumer Issues
Topic: Thoreau Simplify
Replies: 64
Views: 7206

Re: Thoreau Simplify

I've simplified my investing. Don't have to spend hours researching the market or listening to the news.
Hoping to help younger people do the same.
https://grandmasinvestingforbeginners.blog/

Grandma Sylvia
by BlueSkies
Tue Feb 19, 2019 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Wallet-size personal investing handout to jumpstart learning.
Replies: 16
Views: 2251

Re: Wallet-size personal investing handout to jumpstart learning.

You wrote: Working my way through your interesting blog. Did you do the charming graphics? I love graphics so just search online for free ones. Please pass the blog on to anyone who might benefit. Younger people could become millionnaires!! Grandma Sylvia https://grandmasinvestingforbeginners.blog/
by BlueSkies
Mon Feb 18, 2019 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Wallet-size personal investing handout to jumpstart learning.
Replies: 16
Views: 2251

Re: Wallet-size personal investing handout to jumpstart learning.

I hand out a card where my aim to do the same thing but directs folks to my non-commercia website. I'd be interested in what folks think of these two approaches. Often I hand the cards out to younger people who are clerks at stores, service people, etc. Grandma Sylvia https://grandmasinvestingforbeg...
by BlueSkies
Fri Feb 15, 2019 9:48 am
Forum: Personal Investments
Topic: Portfolio Help for 28 Year Old Newbie
Replies: 15
Views: 2396

Re: Portfolio Help for 28 Year Old Newbie

You are a smart young person and have received many good ideas here. I'll add mine as a general framework of saving and looking to invest with low expenses in index funds. Dr. William Bernstein has great advice for younger folks. (See my Post #11. A Gift on blog below). Hope you will continue to do ...
by BlueSkies
Wed Feb 06, 2019 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Intro and Personal Finance Advice
Replies: 55
Views: 5602

Re: Intro and Personal Finance Advice

You are smart to start getting rid of your debt. First things first. Lots of good advice here on budgeting. Thinking within a budget and paying yourself first are also good. Perhaps get to the point where savings and being under budget are joys. Then invest steadily and simply. Good luck. Grandma Sy...
by BlueSkies
Mon Feb 04, 2019 3:36 pm
Forum: Personal Investments
Topic: Help Convincing Spouse
Replies: 60
Views: 4808

Re: Help Convincing Spouse

--Paying 1% of a $100,000 estate to a financial manager is$1,000/year or $83/month --Over 30 years that‘s $30,000 paid in fees --Instead, if you invested that $83/month in the market with a 7% annual return compounded semi-annually over 30 years, you’d have $97,865 additional in your account. (Start...
by BlueSkies
Sat Feb 02, 2019 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Helping widowed mother come up with a plan
Replies: 21
Views: 1801

Re: Helping widowed mother come up with a plan

I was widowed and perhaps like your mother. I never invested because my husband did. Your mother is fortunate to have you help her. Perhaps your mother was like me, just very uncomfortable with investing. That’s been true of many of my women friends and relatives. I’m now an independent investor. Th...
by BlueSkies
Wed Jan 30, 2019 5:24 pm
Forum: Personal Investments
Topic: Diversification ideas
Replies: 97
Views: 5705

Re: Diversification ideas

I believe Taylor Larimore is right. Keep it simple. I'm writing a blog (non-commercial) to include ideas and quotes to help novice investors understand that.
Grandma Sylvia
https://grandmasinvestingforbeginners.blog/
by BlueSkies
Thu Jan 24, 2019 8:23 pm
Forum: Personal Investments
Topic: Moving from American Funds to - ?
Replies: 19
Views: 1233

Re: Moving from American Funds to - ?

I had American funds many years ago but didn’t like the expenses. Now,in my opinion, a good way to invest is in a diversified portfolio of ETFs, such as those at Vanguard. Taylor Larimore writes about the 3 fund portfolio. Worth reading. I write a blog (non-commerical) with more information along th...
by BlueSkies
Wed Jan 23, 2019 10:31 am
Forum: Personal Investments
Topic: I'm 23 and I'm trying to help my family with their finances
Replies: 19
Views: 1664

Re: I'm 23 and I'm trying to help my family with their finances

That is wonderful that you are looking to help her. When my husband died, I was terrified. Using The Jack Bogle Way I became a confident investor and your mom can also, especially with your help. Major studies today point to women being afraid to invest, but it doesn't have to be that way. I'm doing...
by BlueSkies
Tue Jan 22, 2019 8:07 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2665
Views: 1740025

Re: The Three-Fund Portfolio

Yes, a three-fund portfolio, as Taylor described it, seems a great choice: diversity and simplicity. Low expenses at Vanguard and others make it even better.
I hope to reach out to novice investors with that philosophy via my blog.
Grandma Sylvia
https://grandmasinvestingforbeginners.blog/
by BlueSkies
Tue Jan 22, 2019 7:43 pm
Forum: Personal Investments
Topic: How to reach and help novices not reading these boards?
Replies: 6
Views: 604

Re: How to reach and help novices not reading these boards?

That is most kind of you!
I plan to keep at it for a while to see if I can help anyone. At my age I'd like to think I can give back, even in an anonymous way.
Difficulty is finding those who struggled like I did.
Grandma Sylvia
https://grandmasinvestingforbeginners.blog/
by BlueSkies
Tue Jan 22, 2019 10:49 am
Forum: Personal Investments
Topic: How to reach and help novices not reading these boards?
Replies: 6
Views: 604

Re: How to reach and help novices not reading these boards?

Thank you. I'm retired and your idea of the library is a great one. I do teach a course to retirees in a learning institute and some women (often those whose husbands have died) or husbands (worried about leaving widows unprepared) come to the class. Grandma Sylvia https://grandmasinvestingforbeginn...
by BlueSkies
Tue Jan 22, 2019 10:01 am
Forum: Personal Investments
Topic: How to reach and help novices not reading these boards?
Replies: 6
Views: 604

How to reach and help novices not reading these boards?

My volunteer project is to help reach novice investors who are afraid to invest or very confused. I'm looking for ideas on how to reach out. As one idea, I'm writing a blog . Erin Arvedlund incuded one of my quotes (anonymously) in her Jack Bogle tributes in the Philly Inquirer this Monday. Thanks. ...
by BlueSkies
Sat Jan 19, 2019 1:08 pm
Forum: Investing - Theory, News & General
Topic: Tributes to Jack Bogle
Replies: 158
Views: 17962

Re: Tributes to Jack Bogle

My tribute is in the blog I'm writing (anonymously) to help novice investors learn the Bogle Way. See Post #15. The blog is dedicated to Mr. Bogle.
https://grandmasinvestingforbeginners.blog/
Grandma Sylvia
by BlueSkies
Sun Sep 07, 2014 12:53 pm
Forum: Investing - Theory, News & General
Topic: Fidelity: Successful investors forget they have an account
Replies: 26
Views: 6317

Re: Fidelity: Successful investors forget they have an acco

Did anyone happen to go to the link an look at the graphic? I didn't want to post it here because of the comment. It's not offensive per se but I thought some might object to it. It's worth a look though. Information technology actually has one of the best 20 year annualized returns of the lot whil...
by BlueSkies
Fri Aug 22, 2014 6:37 pm
Forum: Investing - Theory, News & General
Topic: Financial Advisor Compensation
Replies: 36
Views: 4504

Re: Financial Advisor Compensation

I think it is a principle of retail that you establish and keep personal contact with customers. I have accounts at discount brokers, trade rarely and always online. They are definitely not making money on transactions, since I so rarely trade, and usually pay no commission when I do. Spreads are t...
by BlueSkies
Fri Aug 22, 2014 6:35 pm
Forum: Investing - Theory, News & General
Topic: Financial Advisor Compensation
Replies: 36
Views: 4504

Re: Financial Advisor Compensation

I have one account with a full-service brokerage firm. I am a buy-and-hold investor and right now I do no trading (at most once a year rebalance a few ETFs). I do not have any wrap fees and all my assets are ETFs. My advisor is very keen on keeping my business but I don’t see how I benefit him fina...
by BlueSkies
Fri Aug 22, 2014 6:34 pm
Forum: Investing - Theory, News & General
Topic: Financial Advisor Compensation
Replies: 36
Views: 4504

Re: Financial Advisor Compensation

I have one account with a full-service brokerage firm. I am a buy-and-hold investor and right now I do no trading (at most once a year rebalance a few ETFs). I do not have any wrap fees and all my assets are ETFs. My advisor is very keen on keeping my business but I don’t see how I benefit him fina...
by BlueSkies
Fri Aug 22, 2014 7:28 am
Forum: Investing - Theory, News & General
Topic: Financial Advisor Compensation
Replies: 36
Views: 4504

Re: Financial Advisor Compensation

If you really want an answer you'll need to say what firm it is. I assume you actually don't really care since it doesn't impact anything. If you're holding etfs they don't get paid anything. There was some reference to etf revenue sharing which is a different issue (and irrelevant to you). Ed Jone...
by BlueSkies
Fri Aug 22, 2014 7:25 am
Forum: Investing - Theory, News & General
Topic: Financial Advisor Compensation
Replies: 36
Views: 4504

Re: Financial Advisor Compensation

Beat The Street wrote:I don't understand. If you are calling the shots in this relationship, what good is the financial advisor?
He has given me good advice in the past and is a sounding board. Right now I'm looking to do my own investments,but if I'm not paying then I'm content to leave the money with him.
by BlueSkies
Fri Aug 22, 2014 7:22 am
Forum: Investing - Theory, News & General
Topic: Financial Advisor Compensation
Replies: 36
Views: 4504

Re: Financial Advisor Compensation

If you place trades through your broker, they may skim some of the bid/ask spread or give you a poor execution. Otherwise, these folks can hope for the future when you pay them something. At least they know that your assets have not gone to a competing firm. The broker can claim a larger value for ...