Search found 241 matches

by thethinker
Sat Dec 09, 2017 12:18 am
Forum: Investing - Theory, News & General
Topic: Are Bonds ever better than a Fund?
Replies: 10
Views: 1450

Are Bonds ever better than a Fund?

Searching this forum, I have found many people asking questions about Bonds vs Bond Funds. Most all the answers talk about the benefits of a bond fund. Is there anything positive to be said for buying and holding individual bonds? If we can get past the diversification issue (lets say someone can in...
by thethinker
Fri Dec 08, 2017 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: How to lead a horse to (boglehead) water?
Replies: 10
Views: 956

How to lead a horse to (boglehead) water?

As the saying goes, a horse can be lead to water but cannot be made to drink. I have a relative who graduated a couple years ago and is not yet saving for the future. At his age, I wasn't either, so I am not passing any judgement. I wish someone would have educated me about Mr Bogle and the work of ...
by thethinker
Fri Jul 28, 2017 2:40 pm
Forum: Investing - Theory, News & General
Topic: Where should I save my money?
Replies: 8
Views: 1384

Where should I save my money?

My wife and I are saving up some money to make a big purchase so I need a safe place to put this money. I need 0 risk and I realize that means nearly 0% in returns. A friend told me Ally bank is the best place as I can get a little over 1% return on a CD and there is no penalty for early withdraw. D...
by thethinker
Tue Apr 11, 2017 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Portfolio: FTIPX or FSGDX ?
Replies: 13
Views: 2386

Re: 3 Fund Portfolio: FTIPX or FSGDX ?

Ty all for the great posts
by thethinker
Tue Apr 11, 2017 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Portfolio: FTIPX or FSGDX ?
Replies: 13
Views: 2386

Re: 3 Fund Portfolio: FTIPX or FSGDX ?

I would use the Total International Index - FTIPX - because it contains everything. Fidelity has been investing in index funds for awhile. They know how to do it. A new fund at Fidelity would not worry me. I expect the older fund to disappear into the newer fund with time. Keeping two funds that si...
by thethinker
Tue Apr 11, 2017 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Portfolio: FTIPX or FSGDX ?
Replies: 13
Views: 2386

Re: 3 Fund Portfolio: FTIPX or FSGDX ?

FTIPX is only a year old (May 2016 inception date), FSGDX was created in 2011 so longer history on the fund. I'd probably go with FTIPX. It's got enough AUM now to not worry me about failure (and in tax-advantaged I wouldn't worry about it in any event). It will have less tracking error over time (...
by thethinker
Tue Apr 11, 2017 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Portfolio: FTIPX or FSGDX ?
Replies: 13
Views: 2386

Re: 3 Fund Portfolio: FTIPX or FSGDX ?

NYC_Guy wrote:Top 10 holdings are, essentially, the same. If this is a taxable account, flip a coin because you will probably TLH into the other. :beer

viewtopic.php?t=194213
Thank you. I should have mentioned, this is a tax advantage account. Does that change your answer?
by thethinker
Tue Apr 11, 2017 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Portfolio: FTIPX or FSGDX ?
Replies: 13
Views: 2386

3 Fund Portfolio: FTIPX or FSGDX ?

Which international fund best qualifies for the 3 fund portfolio while using Fidelity? FTIPX: https://fundresearch.fidelity.com/mutual-funds/summary/31635V653?type=o-NavBar or FSGDX: https://fundresearch.fidelity.com/mutual-funds/performance-and-risk/316146141 They both are rather new, I was shocked...
by thethinker
Mon Dec 12, 2016 5:13 pm
Forum: Personal Consumer Issues
Topic: Which Bogle Book to buy for Christmas?
Replies: 5
Views: 1013

Which Bogle Book to buy for Christmas?

What book should I buy (ideally one but I can get two if it's more beneficial) for a 69 year old, still working, professional who's interested in retiring within a decade and interested in breaking ties with his broker?
Thank you
by thethinker
Sun Dec 11, 2016 6:54 pm
Forum: Investing - Theory, News & General
Topic: What is SEC Yield?
Replies: 12
Views: 6488

What is SEC Yield?

I was reading about my investment in VTSAX and noticed the SEC YIELD is nearly 2%. What is this? Is this the annual dividend payout? If so, I assume I'm automatically reinvesting those dividends, but would it be also possible to collect those in cash each time they are paid (would that be twice per ...
by thethinker
Sun Dec 11, 2016 6:34 pm
Forum: Investing - Theory, News & General
Topic: Bond funds vs. Dividend Funds?
Replies: 37
Views: 5693

Re: Bond funds vs. Dividend Funds?

Two of these are dividend stock funds. Two are "core" bond funds. Do you see much difference between the four of them? Are bond funds and dividend funds pretty much the same thing, hard to tell the difference? Or can you guess which two are stock funds and which two are bond funds? Are these rhetor...
by thethinker
Sun Dec 11, 2016 7:25 am
Forum: Investing - Theory, News & General
Topic: Bond funds vs. Dividend Funds?
Replies: 37
Views: 5693

Re: Bond funds vs. Dividend Funds?

There is a very big difference between bond funds and dividend funds. One holds bonds and the other holds stocks. Stocks are much more volatile than investment grade bonds. Dividend paying stocks are not a replacement for bonds. Thank you. Is there less of a difference between the two if a person n...
by thethinker
Sat Dec 10, 2016 11:26 pm
Forum: Investing - Theory, News & General
Topic: Bond funds vs. Dividend Funds?
Replies: 37
Views: 5693

Bond funds vs. Dividend Funds?

I was at an event this evening with my father in law. We never talked finance before but tonight it came up. He is at a place where he needs to average about 4% on his current holdings, annually, (without a need to invest any new money) to hit his needed income, and well exceed his projected life ex...
by thethinker
Sat Dec 03, 2016 10:48 am
Forum: Investing - Theory, News & General
Topic: What percentage of international do you hold?
Replies: 127
Views: 9506

Re: What percentage of international do you hold?

KarenC: Thank you for providing the 2015 quote from Vanguard which concluded: We believe non-U.S. equity allocations between 20% and full market-cap can be appropriate. Best wishes. Taylor Are you considered a change in your percentage with this information? How long ago did Mr Bogle suggest 0%-20%...
by thethinker
Sat Dec 03, 2016 10:44 am
Forum: Investing - Theory, News & General
Topic: What percentage of international do you hold?
Replies: 127
Views: 9506

Re: What percentage of international do you hold?

Taylor Larimore wrote:The Thinker:

This is one of the most asked questions on the Boglehead forum. I gave my opinion in this link:

How Much International Stock -- A Suggestion

Best wishes.
Taylor
Great link. Thank you
by thethinker
Thu Dec 01, 2016 11:49 pm
Forum: Investing - Theory, News & General
Topic: What percentage of international do you hold?
Replies: 127
Views: 9506

What percentage of international do you hold?

I have read quite a few points about holding a total international stock fund except US, but the range varies quite a lot. If I could find a common percentage, I think it may be 15% What percentage do you hold? And is this 15% of the total portfolio or is it 15% of the equity side of a portfolio - i...
by thethinker
Sat Aug 13, 2016 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: What happens if I don't activate my card?
Replies: 6
Views: 1078

What happens if I don't activate my card?

One of my two credit cards was lost so I called for a replacement. They canceled the card and mailed me a new one. The thing is, I only really need one card. Is this a good way to close an account without altering my credit score or must I activate the card in order to not alter my score? Thanks to ...
by thethinker
Sat Apr 16, 2016 7:42 am
Forum: Investing - Theory, News & General
Topic: Self Directed IRA question
Replies: 17
Views: 1919

Re: Self Directed IRA question

A truly smart person stays away from any products sold at seminars (whole life insurance, fixed annuities, self-directed retirement accounts, etc...) I was not approaching this as a get rich quick plan, but as I was already moving in the direction of making a long term rental real estate purchase, ...
by thethinker
Fri Apr 15, 2016 10:55 am
Forum: Investing - Theory, News & General
Topic: Self Directed IRA question
Replies: 17
Views: 1919

Re: Self Directed IRA question

First, you'll need to find a company to be the custodian, serving a function similar to what Vanguard does for regular retirement accounts. Those aren't inexpensive, and some were clearly, er, dicey. Thank you. The company I found charges $275 per year regardless of the total assessets. There are a...
by thethinker
Fri Apr 15, 2016 9:49 am
Forum: Investing - Theory, News & General
Topic: Self Directed IRA question
Replies: 17
Views: 1919

Self Directed IRA question

Wiki defines a Self Directed IRA as one "which allows alternative investments for retirement savings. Some examples of these alternative investments are: real estate, private mortgages, private company stock, oil and gas limited partnerships, precious metals, horses, and intellectual." Does anyone h...
by thethinker
Mon Feb 01, 2016 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Where to find a business to purchase?
Replies: 36
Views: 5546

Re: Where to find a business to purchase?

HornedToad wrote:I think LoopNet http://www.loopnet.com/ has businesses in addition to commercial real estate but could be wrong.
Thank you I will look into it.
by thethinker
Sat Jan 23, 2016 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Where to find a business to purchase?
Replies: 36
Views: 5546

Re: Where to find a business to purchase?

I don't have any to recommend but I would love to own the local bakery to me for historical reasons. I used to go there as a kid and have fond memories of that place. I know that that isn't good business policy, but it is just my dream! You could be rolling in dough! :oops: ... - Ron And The Pun Aw...
by thethinker
Fri Jan 22, 2016 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Where to find a business to purchase?
Replies: 36
Views: 5546

Re: Where to find a business to purchase?

While some people can buy a business as a total newbie and be successful, the more experience you have, the higher your probability of success. I agree with you. It's one of those funny scenarios though: How can one have experience needed for a successful business without first having no experience...
by thethinker
Thu Jan 21, 2016 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Where to find a business to purchase?
Replies: 36
Views: 5546

Re: Where to find a business to purchase?

The people that I've known that have done this successfully had a few key experiences: 1) Due diligence x10! Usual experience seems to be doing a lot of working researching potential purchases only to eventually find hidden things that make it very unappealing. The one I'm most familiar with the bu...
by thethinker
Thu Jan 21, 2016 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Where to find a business to purchase?
Replies: 36
Views: 5546

Re: Where to find a business to purchase?

Personally, I'm invested in several (thousand) business through the Total Stock Market Index and other products that track the S&P 500. Wow that's awesome! So you don't work at all?? Just invest in the index fund and that's it?? I'm jealous! Good for you! What makes you equate owning/investing in a...
by thethinker
Thu Jan 21, 2016 6:37 am
Forum: Personal Finance (Not Investing)
Topic: Where to find a business to purchase?
Replies: 36
Views: 5546

Re: Where to find a business to purchase?

While some people can buy a business as a total newbie and be successful, the more experience you have, the higher your probability of success. I agree with you. It's one of those funny scenarios though: How can one have experience needed for a successful business without first having no experience...
by thethinker
Wed Jan 20, 2016 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Where to find a business to purchase?
Replies: 36
Views: 5546

Re: Where to find a business to purchase?

Be careful of buying businesses while you are still working. I know of three independent instances where people with fulltime jobs bought a baskin robbins, a cold stone creamery and a frozen yogurt shop. They all had employee issues, were unable to turn a profit and sold at a loss a couple of years...
by thethinker
Tue Jan 19, 2016 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Where to find a business to purchase?
Replies: 36
Views: 5546

Re: Where to find a business to purchase?

PlayingLife wrote:http://www.franchising.com/

Financial Statements: A Step-by-Step Guide to Understanding and Creating Financial Reports
Thank you
by thethinker
Tue Jan 19, 2016 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Where to find a business to purchase?
Replies: 36
Views: 5546

Re: Where to find a business to purchase?

The business I run is currently for sale via a broker and is also posted to a number of website forums. Thank you for the post. Do brokers typically have websites for the public to view? Or must I hire a broker to be able to find those businesses? Most brokers do have a website, but the ones I did ...
by thethinker
Tue Jan 19, 2016 7:15 am
Forum: Personal Finance (Not Investing)
Topic: Where to find a business to purchase?
Replies: 36
Views: 5546

Re: Where to find a business to purchase?

TerryDMillerMBA wrote:No matter what route you go with, always do DUE DILIGENCE.
Great point!
by thethinker
Mon Jan 18, 2016 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: How much House can I afford with an income of $98,000? My husband gave me a bizarre number
Replies: 110
Views: 19102

Re: How much House can I afford with an income of $98,000? My husband gave me a bizarre number

Pandorahsbox wrote:We are concerned that our current house will take too long to sell, as many in our area are. This was one reason we wanted to pay off our current house--.
This is a reason to purchase a home contingent on the sale of hour current home and not have 2 homes.
by thethinker
Mon Jan 18, 2016 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: How much House can I afford with an income of $98,000? My husband gave me a bizarre number
Replies: 110
Views: 19102

Re: How much House can I afford with an income of $98,000? My husband gave me a bizarre number

Recently, I have been considering buying a house. I talked to a real estate agent. That agent had me talk to a mortgage broker that showed me how much I could borrow for a house. I would suggest that you talk to mortgage broker that will clarify how much you can afford. No no. Don't do this. I'm no...
by thethinker
Mon Jan 18, 2016 4:27 pm
Forum: Investing - Theory, News & General
Topic: I'm Calling an Emerging Markets Bottom
Replies: 282
Views: 53742

Re: I'm Calling an Emerging Markets Bottom

saurabh wrote:I am still proceeding with caution due to over-representation of China in the index though.
What should their correct representation be?
by thethinker
Mon Jan 18, 2016 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Where to find a business to purchase?
Replies: 36
Views: 5546

Re: Where to find a business to purchase?

Rayandron wrote:The business I run is currently for sale via a broker and is also posted to a number of website forums.
Thank you for the post.

Do brokers typically have websites for the public to view? Or must I hire a broker to be able to find those businesses?
by thethinker
Sun Jan 17, 2016 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Where to find a business to purchase?
Replies: 36
Views: 5546

Re: Where to find a business to purchase?

Thanks, I was asking more about the purchase of a business on this forum, but rental properties are good too
by thethinker
Sat Jan 16, 2016 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Where to find a business to purchase?
Replies: 36
Views: 5546

Re: Where to find a business to purchase?

Daryl wrote:Personally, I'm invested in several (thousand) business through the Total Stock Market Index and other products that track the S&P 500.
Wow that's awesome! So you don't work at all?? Just invest in the index fund and that's it?? I'm jealous! Good for you!
by thethinker
Sat Jan 16, 2016 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Where to find a business to purchase?
Replies: 36
Views: 5546

Re: Where to find a business to purchase?

jyp012 wrote:I know a lot of people who have purchased their business through bizbuysell.com.
Thank you
by thethinker
Sat Jan 16, 2016 1:01 am
Forum: Personal Finance (Not Investing)
Topic: Where to find a business to purchase?
Replies: 36
Views: 5546

Where to find a business to purchase?

Are there any relatable sites to search for existing businesses for sale? I'm in the market and while a startup is possible, I'd like to see what's out there.

Does anyone else on this site own a business in addition to their 'day job'?
by thethinker
Sat Jan 16, 2016 12:54 am
Forum: Personal Finance (Not Investing)
Topic: How much House can I afford with an income of $98,000? My husband gave me a bizarre number
Replies: 110
Views: 19102

Re: How much House can I afford with an income of $98,000? My husband gave me a bizarre number

Hello. Hopefully someone can give me a hand. My husband's income is $98,000 per year. If that's gross income, this would be too much house if I was in your shoes. But if you put 20% down, and can get a rate at 4.5ish, i think you can make this work. If that's net income, you easily make the numbers...
by thethinker
Thu Dec 24, 2015 9:32 pm
Forum: Investing - Theory, News & General
Topic: 529 or 401k?
Replies: 11
Views: 1518

Re: 529 or 401k?

Thank you that does help.

Would there be any reason to finish funding a 401k before a 529? Or was I off base?
by thethinker
Wed Dec 23, 2015 12:02 pm
Forum: Investing - Theory, News & General
Topic: 529 or 401k?
Replies: 11
Views: 1518

529 or 401k?

My brother in law is self employed and they put away quite a lot in his Indy 401k plan, but they don't have the income to fully max it (they could put away more each year with increased saving). He has two little kids (a 2 year old and new born.) He lives in Pennsylvania and he funds a 529 plan for ...
by thethinker
Tue Dec 15, 2015 7:05 am
Forum: Investing - Theory, News & General
Topic: What effects take place with higher Fed rates?
Replies: 13
Views: 1765

What effects take place with higher Fed rates?

There are talks about the fed increasing interest rates. Whatever information is out there (about the truth or not to this story) is likely already built into the markets. I'm Not asking this as a timing question but as an educational one. If the fed does raise rate, what would an economics text boo...
by thethinker
Mon Dec 07, 2015 10:12 pm
Forum: Investing - Theory, News & General
Topic: Why does the stock market rise & fall?
Replies: 46
Views: 4127

Re: Why does the stock market rise & fall?

I will not "enjoy the education" because i did not gain any positive utility from your post because you did not teach me anything Now you know how I feel. I asked a question in the OP and you offer unrelated questions in return. If you knew the answer - great. If you didn't - fine. But to make an a...
by thethinker
Mon Dec 07, 2015 5:32 pm
Forum: Investing - Theory, News & General
Topic: Why does the stock market rise & fall?
Replies: 46
Views: 4127

Re: Why does the stock market rise & fall?

Let me ask you a question. how do you set an asking price for a house? Does the house then close at that ask price? Above? Below? Why? Why? you ask?! Because it's in the best interest of the real estate agents on both sides of the deal to get their clients to agree upon a price. The goal of an agen...
by thethinker
Sun Dec 06, 2015 11:11 pm
Forum: Investing - Theory, News & General
Topic: Why does the stock market rise & fall?
Replies: 46
Views: 4127

Re: Why does the stock market rise & fall?

moshe wrote:Supply and demand.
So it's not about total money?

When more stocks demand higher prices and fewer stocks are "demanding" lower prices, the stock market (or a measurement like the DOW for example) goes up?
by thethinker
Sun Dec 06, 2015 10:51 pm
Forum: Investing - Theory, News & General
Topic: Why does the stock market rise & fall?
Replies: 46
Views: 4127

Why does the stock market rise & fall?

Would somone explain to me "how" the stock market works please? When the market goes up, is the reason something as simple as more money going into the stocks available (or IPOs)? And when the stock market falls, is that just because money is taken out of the market (people sell stock and don't buy ...
by thethinker
Fri Dec 04, 2015 10:56 pm
Forum: Investing - Help with Personal Investments
Topic: Tilting to small caps?
Replies: 40
Views: 5602

Re: Tilting to small caps?

...until you fully understand the markets, how mutual funds interplay with each other, and what a tilt truly is. Read up on it. Thank you for the post. It was so very detailed. Do you have any suggestions as to where a beginner can start such reading? A book, site, podcast, YouTube, etc? Thanks a lot
by thethinker
Fri Dec 04, 2015 10:52 pm
Forum: Investing - Help with Personal Investments
Topic: Tilting to small caps?
Replies: 40
Views: 5602

Re: Tilting to small caps?

And to address the original question, small cap has underperformed this year and that does make it more attractive now Great post. I never thought about Apple being like a single stock in my portfolio. In your comment quoted above, are you talking about a fund like VSMAX? Or are you talking about i...
by thethinker
Fri Dec 04, 2015 10:34 pm
Forum: Investing - Theory, News & General
Topic: Bond vs Bond Fund (I'm not grasping)
Replies: 21
Views: 2269

Bond vs Bond Fund (I'm not grasping)

I'm not grasping some basics and hopefully this question, though elementary, can be answered and help me better understand. person A invests $100,000 in multiple individual bonds (high quality, lower risk and therefore lower interest rates). Person B invests $100,000 in a bond fund. Ignoring fees (m...