Search found 901 matches

by LongerPrimer
Fri Dec 05, 2014 9:10 pm
Forum: Personal Investments
Topic: should I buy in Record High? S&P 500
Replies: 43
Views: 6895

Re: should I buy in Record High? S&P 500

Depends. :oops: Depends on your age. If you are 22, a drop in equity is tolerable. If you are 66 and on the cusp of retirement and need this value, then you may have a problem. If yo are fully retired And 84, with margin to lose, a fall in equity wouldn't matter. :annoyed So to get a better answer t...
by LongerPrimer
Fri Dec 05, 2014 12:54 pm
Forum: Investing - Theory, News & General
Topic: Annuity feature in Target-date mutual funds in 401(k)s
Replies: 1
Views: 498

Re: Annuity feature in Target-date mutual funds in 401(k)s

GO to Vanguard' s Annuity section. https://investor.vanguard.com/annuity/ Similarly Fidelity, AIG, Metlife, Lincoln National, JacksonLife etc. Keep in mind that annuities are insurance and income products and not investment products. There is overlap but keep the distinctions clear. :annoyed Know th...
by LongerPrimer
Fri Dec 05, 2014 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Why is Dave Ramsey wrong?
Replies: 180
Views: 46568

Re: Why is Dave Ramsey wrong?

+ 1 @Johno
by LongerPrimer
Fri Dec 05, 2014 1:52 am
Forum: Personal Investments
Topic: Suddenly Retired, do I have enough?
Replies: 42
Views: 8723

Re: Suddenly Retired, do I have enough?

This is the one exception where I give advice. 8-) Go to cash on both the equities and bonds ASAP. Hold cash, as you rearrange your life and determine your risk profile from this time forward. You may lose a few percentage points in the interim but you may save your assets in a black swan event. :an...
by LongerPrimer
Thu Dec 04, 2014 9:45 pm
Forum: Personal Consumer Issues
Topic: Youngster talented in science and math
Replies: 47
Views: 5370

Re: Youngster talented in science and math

Congrats.
My observation: There are a lot of smart people in this world. It is the one who can sell his ideas to others; Is the one who will make the most money and be the most successful.
by LongerPrimer
Thu Dec 04, 2014 9:09 pm
Forum: Personal Investments
Topic: Best Investment Advice For 49-Year Old With Two Million Cash
Replies: 23
Views: 3807

Re: Best Investment Advice For 49-Year Old With Two Million

Divorce in a community property state? :annoyed
Is inheritance community property? :confused
by LongerPrimer
Thu Dec 04, 2014 12:27 pm
Forum: Personal Consumer Issues
Topic: Wedding/Engagement Ring Stones
Replies: 16
Views: 3045

Re: Wedding/Engagement Ring Stones

Sorta "none of above". Bought a loose diamond and had it set in a plainish white gold necklace. She's worn it a handful of times when we were younger. Our bands we didn't wear because of safety issues in our professions. It's obvious that we are married- We try too hard to ignore each other. :annoye...
by LongerPrimer
Thu Dec 04, 2014 12:02 pm
Forum: Investing - Theory, News & General
Topic: European underperformance - here to stay?
Replies: 32
Views: 3590

Re: European underperformance - here to stay?

I'd like to thank this forum for alerting me to an issue I had with one of our accounts. I had noticed that this particular account has been lagging the other accounts for some time and very much noticeable at most recent quarterly. Investigation quickly showed that at account's inception (6 years a...
by LongerPrimer
Wed Dec 03, 2014 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: Do you celebrate financial milestones?
Replies: 124
Views: 19028

Re: Do you celebrate financial milestones?

I did for 2013 when I picked a real winner.Bought a 49cc scooter. :annoyed
I will for 2014, tba in 2015, when made my target. I am going to buy tba 49hp tractor. :annoyed
by LongerPrimer
Wed Dec 03, 2014 5:50 pm
Forum: Personal Investments
Topic: Investing for 18 y/o granddaughter [Revocable Trust]
Replies: 7
Views: 901

Re: Investing for 18 y/o granddaughter

One alternative. YMMV Jan 2, 2012 established pseudo college, tax advantaged fund @ $10,000. Today it will be very close to $15500. It is not a 529, UGMA, IRA, ROTH, or Trust. It is in my wife's full ownership. Currently invested in equity MF with a tilt towards midcap and small cap. We expect to ho...
by LongerPrimer
Wed Dec 03, 2014 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: I think I might have goofed.........
Replies: 15
Views: 3252

Re: I think I might have goofed.........

IMO
Pay the Man.
What you are paying for is a relationship that you may need later on. Unfortunately in order to find a good relationship, you will need to shell out some money for some small service. Think the first date. :annoyed
by LongerPrimer
Wed Dec 03, 2014 2:03 pm
Forum: Personal Investments
Topic: Oil wells
Replies: 12
Views: 1544

Re: Oil wells

Have you exercised the RSUs?
Your post sounds like you exercised the option and sold the units. ?
by LongerPrimer
Wed Dec 03, 2014 1:54 pm
Forum: Investing - Theory, News & General
Topic: Ken Fisher - Why I hate annuities
Replies: 69
Views: 9564

Re: Ken Fisher - Why I hate annuities

I am sensing a delimiter with the annuity issues. Those that have enough in their portfolio to comfortably live on may find the vehicle of an annuity to perform the task of providing a steady, even, stream of payments (income) over an anticipated (estimated) timeline. This serves as a convenience, ...
by LongerPrimer
Wed Dec 03, 2014 1:04 pm
Forum: Personal Investments
Topic: Asset Allocation and Pension
Replies: 2
Views: 430

Re: Asset Allocation and Pension

While you're at this calc. You should include your current SS payout into the bond/safe portion. :annoyed
by LongerPrimer
Wed Dec 03, 2014 12:46 pm
Forum: Personal Consumer Issues
Topic: A simple coffee maker
Replies: 38
Views: 11140

Re: A simple coffee maker

BTW, the water that you are using is carbon filtered to remove chlorine and organics, correct? :?:
by LongerPrimer
Wed Dec 03, 2014 1:41 am
Forum: Investing - Theory, News & General
Topic: What % of your fixed-income is TIPs?
Replies: 71
Views: 5984

Re: What % of your fixed-income is TIPs?

That TIPS bump, https://www.google.com/finance?q=NYSEARCA%3ATIP&ei=Lpx-VMll0bWIAqe3gOgH As my older bro told it, the major financial institutions were trying to buy high quality assets (later part of 2007 to mid 2008) that paid them money (ie Treasuries). The traditional AssetBackedSecurity, Mortgag...
by LongerPrimer
Tue Dec 02, 2014 9:52 pm
Forum: Personal Investments
Topic: Newbie close to retirement - need advice
Replies: 11
Views: 1831

Re: Newbie close to retirement - need advice

Some expects say that the most critical time in retirement $$$$, is the time just before retirement date AND the time immediately after, be it a few years, months or days. I would agree to this since we were totally unprepared for 2007-2009, the Great Recession. I 've only this year, become comforta...
by LongerPrimer
Tue Dec 02, 2014 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Why is Dave Ramsey wrong?
Replies: 180
Views: 46568

Re: Why is Dave Ramsey wrong?

Whether you like Dave or dislike him, I think we all agree his investment advice is not appropriate for most people. However, how do you feel about putting off saving for retirement until you get out of debt. In his own words, Dave does say most Gazelle Intense participants get out of debt in about...
by LongerPrimer
Tue Dec 02, 2014 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: UGMA/UTMA Strategy
Replies: 15
Views: 2205

Re: UGMA/UTMA Strategy

The quicker the UGMA gets to a tax paying position, the better off your pocket will be.
Do not mistake paying taxes is a failure in investment. Paying taxes on a successful UGMA is the desire goal.
Think about it :annoyed :moneybag :beer
by LongerPrimer
Tue Dec 02, 2014 5:23 pm
Forum: Personal Investments
Topic: 529 for parents?
Replies: 16
Views: 2273

Re: 529 for parents?

Savingforcollege.com is the expert
by LongerPrimer
Tue Dec 02, 2014 1:43 pm
Forum: Investing - Theory, News & General
Topic: Ken Fisher - Why I hate annuities
Replies: 69
Views: 9564

Re: Ken Fisher - Why I hate annuities

I comment a lot on having Income, deferred, Annuities because they are (IMO) a reasonable alternative for those who DIY And fairly near to or from retirement. You kinda know who they are because they have started to Vanguard their portfolio after moving from their long time FA. These people are conc...
by LongerPrimer
Tue Dec 02, 2014 2:45 am
Forum: Investing - Theory, News & General
Topic: Ken Fisher - Why I hate annuities
Replies: 69
Views: 9564

Re: Ken Fisher - Why I hate annuities

@Kenner
Hear and read it from Vanguard. :
https://investor.vanguard.com/annuity/
:annoyed
by LongerPrimer
Tue Dec 02, 2014 2:12 am
Forum: Personal Investments
Topic: An overdue update from a "panicked investor"
Replies: 86
Views: 11675

Re: An overdue update from a "panicked investor"

A FA is not going to aid OP. OP knows what he is doing. If he is any good of a trader, he has more than 2x his discretionary investments since 2011. A 50% loss meerly puts him back to Go. More importantly, We barely turned the Great Recession around, Will the next market collapse be just 50% ¿ ? :an...
by LongerPrimer
Mon Dec 01, 2014 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Help with too much cash
Replies: 13
Views: 1905

Re: Help with too much cash

With indexes high and at your age and retirement funds base,, I'd look at step-up, deferred variable annuity or GWIB annuity. Ladder the amount. Start at the minimum buy. You should hold until out of surrender. Select aggressive to nearest fund combination to VTI. Do not select any bonds or low yiel...
by LongerPrimer
Mon Dec 01, 2014 8:45 pm
Forum: Investing - Theory, News & General
Topic: Any Momentum Investors Out There?
Replies: 132
Views: 31468

Re: Any Momentum Investors Out There?

At the beginning of year, target +10% of the investing portfolio. By mid year and onwards, I target at least the sp500, (VTI). I trade often at +2 or if momentum indicates otherwise using limit sales. I buy on limit orders, often establishing the low bid. I should sell at -15% but normally hold too ...
by LongerPrimer
Mon Dec 01, 2014 6:12 pm
Forum: Personal Investments
Topic: MLP ETFs
Replies: 15
Views: 2582

Re: MLP ETFs

I tried ALMP couple of years ago. Wanted to avoid the k-1s since dividends are true dividends. Came to conclusion that it had too many moving parts and that my local gas utility with then +4% yield was better. I shoot for 6-8% total yield with buy & sells throughout the year. Most of trades are in o...
by LongerPrimer
Mon Dec 01, 2014 3:02 pm
Forum: Personal Consumer Issues
Topic: A simple coffee maker
Replies: 38
Views: 11140

Re: A simple coffee maker

I use Melitta funnel, filter and electric boiling water kettle. Obviously I use my own coffee. I like coffee fresh brewed, without the bitter oils, and Never on a warmer. :annoyed :beer
by LongerPrimer
Mon Dec 01, 2014 1:41 pm
Forum: Personal Investments
Topic: 529 for parents?
Replies: 16
Views: 2273

Re: 529 for parents?

Came to the same conclusion in 1985 when our Only was born. Only tax qualified program$ we had was UGMA, EE (did not have education EE bonds) and cash value LI. :D We ignored the LI. :wink: We did EE(4% minimum rate, 6% then current rate), Aggressive and balanced MFs, and individual stocks ( buy and...
by LongerPrimer
Mon Dec 01, 2014 12:42 pm
Forum: Personal Investments
Topic: 529 for parents?
Replies: 16
Views: 2273

Re: 529 for parents?

The Indexer' s Dilemmas. :annoyed
by LongerPrimer
Mon Dec 01, 2014 12:05 pm
Forum: Investing - Theory, News & General
Topic: Ken Fisher - Why I hate annuities
Replies: 69
Views: 9564

Re: Ken Fisher - Why I hate annuities

I had a salesman stop by last summer. :mrgreen: He gave me brochure, the same brochure that I got in the mail. :) I told him that I had butterfly variable and fixed indexed annuities. Asked him to please sell me something. :? he he left after 5 minutes having said nothing. :confused Brochure says th...
by LongerPrimer
Mon Dec 01, 2014 3:20 am
Forum: Personal Investments
Topic: 529 for parents?
Replies: 16
Views: 2273

Re: 529 for parents?

I am guessing that the 529 gains is insufficient to meet children's future college expenses that you desire.? :?
by LongerPrimer
Sun Nov 30, 2014 4:01 am
Forum: Personal Investments
Topic: An overdue update from a "panicked investor"
Replies: 86
Views: 11675

Re: An overdue update from a "panicked investor"

IMO, with so much human capital (earning power) , you can call any AA that you want. ALL equity does make sense because you can recover fairy easily. Any bonds in portfolio doesn't make sense because again your earning power simply swamps any bond gains and any bond changes will be quick and potenti...
by LongerPrimer
Sun Nov 30, 2014 1:23 am
Forum: Personal Finance (Not Investing)
Topic: Why is Dave Ramsey wrong?
Replies: 180
Views: 46568

Re: Why is Dave Ramsey wrong?

His target audience is solid middle income and lower income If a family is in debt, how does that family get into investments for retirement and who will help this family? This is the market of ALW, Orman, and Ramsey. :annoyed Tony Robbins' new book is targeted towards solid mid income to the 35% br...
by LongerPrimer
Sun Nov 30, 2014 12:29 am
Forum: Investing - Theory, News & General
Topic: I'm getting Slaughtered in stocks
Replies: 43
Views: 7472

Re: I'm getting Slaughtered in stocks

I figure that it takes at least 2 losing stocks to make one winning stock. Last year, a stock picking strategy worked for me. This year, a faster cycle and momentum picks worked. Our trading portfolio is a much higher percentage than yours. I had to take bigger risks to get back to pre 2007 and to r...
by LongerPrimer
Sat Nov 29, 2014 9:35 pm
Forum: Personal Investments
Topic: Where to put extra non retirement money?
Replies: 8
Views: 1582

Re: Where to put extra non retirement money?

^ +1 to john3754. When DS started in his career at the bottom of the Great Recession, May 2005. I told him to save a portion of his pay for future big ticket items like a car, home, or marriage. Maximizing 401k/403b/457 is less important than a Roth and even less than achieving a pile of money for c...
by LongerPrimer
Sat Nov 29, 2014 8:37 pm
Forum: Personal Investments
Topic: How To Invest Your Emergency Fund?
Replies: 98
Views: 29363

Re: How To Invest Your Emergency Fund?

I keep repeating that there is a way to do this, but not many will even look at this alternative.
Butterfly annuities. :annoyed
by LongerPrimer
Sat Nov 29, 2014 4:27 pm
Forum: Personal Investments
Topic: Diversification and Rebalancing questions
Replies: 27
Views: 2318

Re: Diversification and Rebalancing questions

Will your current AA get you to your Number?
Will bonds be a drag to getting to your Number?
Will you rebalance into a declining bond environment?
:annoyed :beer
by LongerPrimer
Sat Nov 29, 2014 4:16 pm
Forum: Investing - Theory, News & General
Topic: The Whole Ball Game Of Equity Investing As I See It
Replies: 33
Views: 5467

Re: The Whole Ball Game Of Equity Investing As I See It

[quote="selftalk", "the OP"]I wish we had more excitement than this although too much isn`t healthy. Perhaps we should go into politics where the action is for the moment. My portfolio consists of VTCLX in taxable via dollar cost averaging still and the IRA consists of VICSX and VBTLX for income and...
by LongerPrimer
Sat Nov 29, 2014 12:57 pm
Forum: Personal Investments
Topic: New to investment
Replies: 22
Views: 2370

Re: New to investment

One question: Do you have a FI number and Date?
Followup: Will your AA historical CAGR meet your FI and date? :annoyed
by LongerPrimer
Sat Nov 29, 2014 11:53 am
Forum: Investing - Theory, News & General
Topic: I'm getting Slaughtered in stocks
Replies: 43
Views: 7472

Re: I'm getting Slaughtered in stocks

@tuningfork. We must have worked at the same co. :sharebeer
I have bought stock in tis company too, Did some fast and furious trades by gambling even more money on the dips and selling at the bounce. Got out OK. Company was toast in 3 more months. :annoyed
by LongerPrimer
Fri Nov 28, 2014 11:27 pm
Forum: Investing - Theory, News & General
Topic: The Whole Ball Game Of Equity Investing As I See It
Replies: 33
Views: 5467

Re: The Whole Ball Game Of Equity Investing As I See It

The general indexes are great. The more volatile the index, when you buy into or sell out of that index becomes more important. How old you are in the investment cycle or how long you intend to hold that index is important. What your investment goals are important. These three thoughts have to be in...
by LongerPrimer
Fri Nov 28, 2014 1:36 pm
Forum: Personal Investments
Topic: How To Invest Your Emergency Fund?
Replies: 98
Views: 29363

Re: How To Invest Your Emergency Fund?

We no longer have a dedicated Efund. I hit The Numbers. I will make money both major up and down markets. We also invested in DS who can provide us with short term funds :annoyed

Until that time he gets married, we will continue to use DS as a piggy bank. Get a clue, son. :mrgreen: :annoyed
by LongerPrimer
Thu Nov 27, 2014 10:34 pm
Forum: Personal Investments
Topic: Investing options for my child
Replies: 26
Views: 4425

Re: Investing options for my child

high risk, high reward plan I think most parents need to ask how much do they and family want to fund education and other stuff. A high funding target but low risk may not reach goals unless there is a lot of moolah invested, much like Retirement funding. In practice, any contributions after HS sop...
by LongerPrimer
Thu Nov 27, 2014 6:51 pm
Forum: Investing - Theory, News & General
Topic: Count Capitalized Pension Benefits Cash/Bonds for Portfolio?
Replies: 31
Views: 6104

Re: Count Capitalized Pension Benefits Cash/Bonds for Portfo

If Bogle says to count it, Count It. I'm guessing bc SS is inflation protected (mimicks TIPS and associated risks). Be aware that if you do count SS and pensions, then your AA is going to change and hugely different from many pundits' recs. I count SS and Pension as income. I count SS and Pension as...
by LongerPrimer
Thu Nov 27, 2014 5:57 pm
Forum: Personal Consumer Issues
Topic: Selling gold jewelry
Replies: 29
Views: 4508

Re: Selling gold jewelry

We sold jewelry and MILs bullion (we are supporting MIL @ 95 and BIL @56) to nearby refinery recommended by family jewellers who have known since the 50's . We should have held back the jewelry which only diluted the bullion. :annoyed

No problems. Payment on assay. Took about about 2 weeks.
by LongerPrimer
Thu Nov 27, 2014 5:25 pm
Forum: Investing - Theory, News & General
Topic: Safe Withdrawal Rates - Is the 4% rule still good?
Replies: 84
Views: 11299

Re: Safe Withdrawal Rates - Is the 4% rule still good?

OP. Kinda depends on where you are and what type of stuff you have for retirement and during retirement, Doesn't it? :? When we were 58/61 yo, I looked into this. We were screwed in 2008. I applied the James T. Kirk Solution ( only to be used in situations where failure is certain. ) Now at 64/67, w...
by LongerPrimer
Thu Nov 27, 2014 2:14 pm
Forum: Investing - Theory, News & General
Topic: Is 60/40 mix of stocks and bonds still best balance?
Replies: 36
Views: 9141

Re: Is 60/40 mix of stocks and bonds still best balance?

Privatefarmer, are you female? I got a son of same age and economics :annoyed :mrgreen:
Participated in urban farming. :beer
by LongerPrimer
Wed Nov 26, 2014 11:45 pm
Forum: Personal Consumer Issues
Topic: When do you feel comfortable financially to have kids?
Replies: 59
Views: 6187

Re: When do you feel comfortable financially to have kids?

First by the clock. :?
Second when we got med insurance. :annoyed
:beer GL
by LongerPrimer
Wed Nov 26, 2014 11:36 pm
Forum: Personal Consumer Issues
Topic: Private college counselor
Replies: 78
Views: 7414

Re: Private college counselor

The cost of private schools is doubled to what we sent our Only to in 2002. I'm mostly on the fence on your decision. I, Never give advice, mostly; I will offer anecdotes :| ... If you are a full payer or expect to pay a good portion, I'd consider it. :mrgreen: Ours was the top student in a public, ...
by LongerPrimer
Wed Nov 26, 2014 6:15 pm
Forum: Investing - Theory, News & General
Topic: POLL: Attitude Towards Risk
Replies: 75
Views: 5612

Re: POLL: Attitude Towards Risk

My son does surveys for a very popular internet company.
I dislike the choices offered.
I would find a James T. Kirk, Solution. :annoyed :beer