Search found 325 matches

by swyck
Wed Feb 01, 2017 11:18 am
Forum: Investing - Theory, News & General
Topic: Vanguard's Wellesley Income fund is incredible
Replies: 133
Views: 32672

Re: Vanguard's Wellesley Income fund is incredible

Wellesley Income is not tax efficient so it is best held in tax advantaged accounts for those who are in higher tax brackets. Can someone ELI5 this tax inefficiency? I hold Wellesley both in my retirement and taxed accounts. I didn't see anything specific in the wiki, but it looked like it would be...
by swyck
Mon Jul 13, 2015 7:30 am
Forum: Investing - Theory, News & General
Topic: Any empirical evidence that suggests waiting for a dip
Replies: 56
Views: 4925

Re: Any empirical evidence that suggests waiting for a dip

Sure it's nice to buy on the dip, but realistically how do you do that? What if the market goes up 5% from here, then does a 2% dip? Sure you get your dip, but you'd have been better off just going ahead and buying. It's timing the market, and maybe some people can do it, but not sure how well that ...
by swyck
Tue Dec 30, 2014 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Best Online Savings bank
Replies: 52
Views: 12472

Re: Best Online Savings bank

I was tempted to go with UFB direct for the 1.25% rate, but googling it found lot of bad reviews. What is the nature of bad reviews? If a bank is paying 0.25% more than its competitors and has FDIC insurance, how bad can it get? Victoria I agree with you. Going to try UFB for the reason you mention...
by swyck
Mon Dec 22, 2014 10:20 am
Forum: Investing - Help with Personal Investments
Topic: 401k - rollover?
Replies: 8
Views: 2347

Re: 401k - rollover?

Other thing to think about is, if you don't rollover and assuming you don't stay at the same job forever, you may eventually have to manage a whole bunch of separate 401k's from each of the places you were previously employed. By rolling them over you can put them all in the same account, making it ...
by swyck
Fri Dec 19, 2014 12:32 pm
Forum: Investing - Theory, News & General
Topic: Please debunk this CNN Money article on dividend investing
Replies: 42
Views: 6258

Re: Please debunk this CNN Money article on dividend investi

"Please debunk"? As in you don't want it to be true? Is this somehow challenging your world view or investing strategy? Good way of starting out a post, really meant to have a good open discussion. VG Dividend Growth 5yr 14.86% 10yr 9.48% VG Total Stock Mkt 5yr 16.21% 10yr 8.37% So dividen...
by swyck
Sat Dec 06, 2014 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: buying CDs from Vanguard?
Replies: 2
Views: 824

buying CDs from Vanguard?

I haven't bought CDs since I closed my ING account. Haven't pulled the trigger with other vendors, mostly due to the (to me) extra hoops you need to jump. At ING I could tell them what I want to do with my CD when it matures, e.g. rollover, send to my bank account, buy new CD with longer\shorter ter...
by swyck
Wed Jul 17, 2013 10:08 am
Forum: Personal Consumer Issues
Topic: Active Gardening Forums?
Replies: 11
Views: 1329

Re: Active Gardening Forums?

If you are serious I'd avoid the Garden Web, it's a really poor place for information. "I just planted my ________ (name of seeds or vegetable plants) what should I do next?" Maybe you should give an alternative or are you saying don't bother going to any garden forums? I find that there'...
by swyck
Fri Jun 21, 2013 6:40 am
Forum: Investing - Theory, News & General
Topic: Dividends Are Different?
Replies: 207
Views: 13561

Re: Dividends Are Different?

This topic has been beat to death, and there will be no consensus. IMO the anti divs just don't get it, but that's what they think about us divs. Apples and oranges, we're not talking the same language at all. Not beaten hard enough, it seems. This is not religion but rather simple algebra. You don...
by swyck
Wed Jun 19, 2013 11:44 am
Forum: Investing - Theory, News & General
Topic: Dividends Are Different?
Replies: 207
Views: 13561

Re: Dividends Are Different?

I agree with clever_username's analysis. The idea that dividends are different because you don't have to sell shares to get them is a just a silly verbal conjuring trick. You don't have to sell shares to get dividends, but when the dividends are paid the stock price drops. . That is the silly verba...
by swyck
Wed Jun 19, 2013 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Poll: How much cash do you carry?
Replies: 103
Views: 8234

Re: Poll: How much cash do you carry?

Always carry some cash. You never know when the card machines aren't working, e.g. Hurricane Sandy or just some network glitch. I like to mitigate risk and IMO carrying no cash is a risk. Also, though I've been lucky enough to never need it, I'd rather have some cash on hand for any would be robber ...
by swyck
Thu Jun 06, 2013 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: What do I do with a rollover IRA?
Replies: 17
Views: 1705

Re: What do I do with a rollover IRA?

I assume you can invest in a decent low cost fund of some sort. If so why not do that? I think you should assume that you'll be rolling over more money to this sooner or later as you will eventually leave your current job, and the one after that, unless you can expect to retire from your current job...
by swyck
Sat May 25, 2013 11:27 am
Forum: Personal Consumer Issues
Topic: Long Distance Walking
Replies: 143
Views: 19468

Re: Long Distance Walking

Padlin wrote:http://www.vermontinntoinnwalking.com/

Google turned up a lot of them.

This is interesting. Anyone do this tour, or stay at any of these inns? I'd guess late spring, early fall would be best time in that area?
by swyck
Mon Apr 01, 2013 1:13 pm
Forum: Investing - Theory, News & General
Topic: Why do investors chase dividend paying strategies
Replies: 439
Views: 54174

Re: Why do investors chase dividend paying strategies

nedsaid You missed the point or misinterpreted it. As I showed a high dividend strategy is nothing more than a value strategy and a poor one at that. It's a cult IMO because people who believe in that strategy cannot accept that fact, ignore the data, and so on. There is a reason for a value strate...
by swyck
Sun Mar 03, 2013 4:21 pm
Forum: Personal Consumer Issues
Topic: Streaming Audio
Replies: 50
Views: 4920

Re: Streaming Audio

You want streaming Classical music without any talk that you get here in the US? No news, pgmg update, that you get on the non-commercial radio stns, etc. etc.-just the music? Enjoy- m or this m Thanks for the links. Maybe it's perverse of me, but I enjoy NDR Kultur because I don't understand what ...
by swyck
Fri Mar 01, 2013 3:32 pm
Forum: Personal Consumer Issues
Topic: Ducks in the Pool
Replies: 21
Views: 2304

Re: Ducks in the Pool

Leave corn kernels in piles around the pool. They hate that... :)
by swyck
Fri Mar 01, 2013 3:28 pm
Forum: Personal Consumer Issues
Topic: Dropping XM and Sirius
Replies: 19
Views: 2951

Re: Dropping XM and Sirius

Just did the same. Between the Fm, the iPod and Pandora (via iPhone) really no need. Even at the $25 for 6mos rate. I'm doing the same, though with my Galaxy S3. I stream from Pandora and TuneIn and IMO it's a lot better quality music. The main downside is that it's not so easy to manage your music...
by swyck
Sat Feb 23, 2013 11:17 pm
Forum: Personal Consumer Issues
Topic: Streaming Audio
Replies: 50
Views: 4920

Re: Streaming Audio

Just to jump into this fray, another req for Pandora. I upgraded so don't have to worry about commercials, and it's allegedly a better quality stream though I can't really tell. Another site that's good is tunein. http://tunein.com/ They have tons of stations available for streaming, probably most o...
by swyck
Tue Feb 05, 2013 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Is [this] a stupid idea? - Extreme mortgage payoff
Replies: 40
Views: 5294

Re: Is [this] a stupid idea? - Extreme mortgage payoff

I waited to pay off mortgage until I had enough to do it from taxable money in one fell swoop. It happened to be 10 years early. No regrets, was able to rebuild taxable account fairly quickly. Keep building the taxable account or maybe make extra mortgage payments. No point in paying large amount u...
by swyck
Tue Feb 05, 2013 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: do you charge everything to 1 credit card?
Replies: 60
Views: 5357

Re: do you charge everything to 1 credit card?

I use two cards, one for Internet purchases and one for point of sale purchases. Can't really articulate why, but IMO they are two different types of transactions and I'd just like to keep them separate. Both have some rewards, but I don't try to optimize my purchases. My debit card is different fro...
by swyck
Sat Feb 02, 2013 11:42 pm
Forum: Personal Consumer Issues
Topic: How Can I Tell If My Dentist is Good One?
Replies: 133
Views: 17461

Re: How Can I Tell If My Dentist is Good One?

My evaluation of my current dentist as positive relates to several issues: 1. He uses a dental hygienist to do cleaning, etc. I concluded that older dentists, as they become somewhat "out of date" and lose patients often do cleanings themselves. 2. He has (from my point of view) modern eq...
by swyck
Fri Feb 01, 2013 3:13 pm
Forum: Personal Consumer Issues
Topic: How Can I Tell If My Dentist is Good One?
Replies: 133
Views: 17461

Re: How Can I Tell If My Dentist is Good One?

Dang. Since I'm in the market for a new dentist, I was hoping to find some guidelines here. Sounds like there is no consensus. Had a dentist for some years after moving into the area. He was a nice guy, I liked him and liked his work, but I wasn't real happy with being in his chair. He had a habit o...
by swyck
Wed Jan 23, 2013 1:52 pm
Forum: Personal Consumer Issues
Topic: Cable TV with NO SPORTS Channels... Yep!
Replies: 49
Views: 3679

Re: Cable TV with NO SPORTS Channels... Yep!

Would love to unbundle. Give ESPN and a few others and I'd be happy. Even better if they are monthly subscriptions so you can try a new channel for a month. I hate the whole locking in for two years thing.
by swyck
Thu Dec 06, 2012 9:05 am
Forum: Investing - Help with Personal Investments
Topic: Should I hold I bonds and EE bonds?
Replies: 28
Views: 2137

Re: Should I hold I bonds and EE bonds?

Forgive my ignorance but I've been reading up a bunch on I bonds and EE bonds and I'm still not quite "getting it." The Bogleheads wiki says they should have a role in my portfolio if I have maxed out my tax-advantaged space and still have more bonds to hold, which I do indeed. However, w...
by swyck
Mon Dec 03, 2012 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Pay off mortgage, or invest?
Replies: 19
Views: 1771

Re: Pay off mortgage, or invest?

You'd be paying off not just the PMI but also the interest on the mortgage at 3.9%. There are no risk free investments out there that will give you that kind of return at this time. It's also hard to quantify just plain being out of debt. As long as they have their emergency fund well funded I say d...
by swyck
Mon Dec 03, 2012 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Best online bank?
Replies: 27
Views: 3149

Re: Best online bank?

One main issue for me that I've seen with Ally, and pretty much everyone else except for ING is this: We make it easy for you to receive your funds. Just let us know by phone, chat, or regular mail before your certificate of deposit matures At ING I could set my maturity options at purchase time. At...
by swyck
Fri Nov 30, 2012 10:57 am
Forum: Investing - Help with Personal Investments
Topic: I'm 32: am I overweighted in bonds? Should i buy TIPS?
Replies: 12
Views: 1866

Re: I'm 32: am I overweighted in bonds? Should i buy TIPS?

crowd79 wrote:I would max out I-Bond purchases for the year ($10k limit) before considering TIPS. TIPS are negative now but I-Bond's fix rate cant fall below 0%. They are yielding more for the same level of risk IMO.


10k limit? Is this correct?
by swyck
Tue Nov 20, 2012 8:30 am
Forum: Investing - Help with Personal Investments
Topic: IRA's vs paying off mortgage early
Replies: 17
Views: 2680

Re: IRA's vs paying off mortgage early

If you have an emergency fund, and you can pay of your mortgage, why not do it? Can you get a better investment rate than what your mortgage rate is? If not then pay it off. Why be in debt when you don't have to?
by swyck
Mon Nov 19, 2012 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Death to ING Banking.... dang you Capital one....
Replies: 46
Views: 11549

Re: Death to ING Banking.... dang you Captial one....

I immediately closed my ING account upon receipt of the privacy notification. What is it that you found disturbing about the privacy policy? Everything. Just received the new privacy policy today. I see no substantial difference between the old and new. As with the former policy, they will not shar...
by swyck
Mon Nov 19, 2012 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Death to ING Banking.... dang you Capital one....
Replies: 46
Views: 11549

Re: Death to ING Banking.... dang you Captial one....

I immediately closed my ING account upon receipt of the privacy notification. What is it that you found disturbing about the privacy policy? Everything. I already get enough spam and unsolicited phone calls and I don't like marketing period. The main question is WHY should I remain a customer? It u...
by swyck
Fri Nov 09, 2012 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Death to ING Banking.... dang you Capital one....
Replies: 46
Views: 11549

Re: Death to ING Banking.... dang you Captial one....

ING Direct hasn't been paying top rates for several years by now, way before the Capital One acquisition. The rate was lower than Capital One's own savings account before Capital One ended that product. I don't understand why everybody seems to blame Capital One for ING Direct's low rates. The valu...
by swyck
Sun Nov 04, 2012 3:00 pm
Forum: Personal Consumer Issues
Topic: Done with ING and Capital One
Replies: 13
Views: 1998

Re: Done with ING and Capital One

I have never had an online bank and limit my business to Vanguard, Chase (for credit card and checking account), Geico for insurance and the required utilities. I must confess I have never read the privacy policies. OP, does this mean they share financial info on you or just that they can send you ...
by swyck
Sun Nov 04, 2012 2:39 pm
Forum: Personal Consumer Issues
Topic: Done with ING and Capital One
Replies: 13
Views: 1998

Re: Done with ING and Capital One

So, You have no online bank at all? Well I have an account with a brick and mortar, which has a decent online interface, and also a credit union which is not utilized as much. I was planning on transferring completely over to the credit union but the though of transferring all my vendor payments to...
by swyck
Sun Nov 04, 2012 2:20 pm
Forum: Personal Consumer Issues
Topic: Done with ING and Capital One
Replies: 13
Views: 1998

Re: Done with ING and Capital One

Via PM, I received a request to reopen the thread. The reason was appropriate, this thread is now reopened. (I'm always open to requests, just PM me and ask.) Thanks for re-opening, I thought it was appropriate. IMO this was an informational thread not a complaint thread - I don't know if everyone ...
by swyck
Sun Nov 04, 2012 9:34 am
Forum: Personal Consumer Issues
Topic: Done with ING and Capital One
Replies: 13
Views: 1998

Done with ING and Capital One

So it happened. I got an email from ING\Capital One titled "Get the inside scoop about your new Privacy Policy" Wow, a new scoop! Of course I feared the worst. As of 11\1 all of my accounts are now covered by Capital One Privacy Policy. Nice to receive this on 11/1 and not a few days earli...
by swyck
Sun Nov 04, 2012 9:12 am
Forum: Personal Consumer Issues
Topic: do you use your work cell phone for personal use?
Replies: 39
Views: 5960

Re: do you use your work cell phone for personal use?

I did this some years ago when I got a Blackberry at work. I didn't want to carry two cells phones around so I turned in my personal cell. The phone # ended in -0001 which sucked giving it up. I was number one in that block, how often does that happen? So yes I used it for personal stuff, but my lan...
by swyck
Mon Jul 09, 2012 10:07 am
Forum: Personal Consumer Issues
Topic: Long Distance Walking
Replies: 143
Views: 19468

Re: Long Distance Walking

Appalachian Trail in the US. It is on my bucket list. m Appalachian Trail is great, I hiked in some of its parts in NY and NJ. But if you want to do it end-to-end, you have to carry a tent, cooking gear, food supplies, etc. In Europe, you go from village to village. You don't need a tent, you can e...
by swyck
Fri Mar 16, 2012 8:51 am
Forum: Investing - Theory, News & General
Topic: How can you bear Morningstar?
Replies: 28
Views: 4615

Re: How can you bear Morningstar?

So that guy has an opinion you disagree with. Big deal. Doesn't make Morningstar unbearable. I agree. I didn't see anything that was outright inaccurate, misleading or incorrect. Certainly nothing that merited the OP headline and post. Typical Boglesnobbery IMO, or maybe just the typical mindless d...
by swyck
Fri Feb 03, 2012 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Sell the lake home?
Replies: 29
Views: 2212

Re: Portfolio Review - Sell the lake home?

Good point. We use it about once a month during the winter, and every other weekend during the summer. Last year I had the sick idea that building a garage would be a fun project so I was up there almost every weekend. That's a lot of use. It would cost much more to rent a similar lake house with t...
by swyck
Sun Oct 02, 2011 8:10 am
Forum: Investing - Help with Personal Investments
Topic: I give up on treasurydirect
Replies: 135
Views: 26794

I've been locked out once before, but a phone call fixed it (had to go through some hoops, phone call alone isn't enough)... I think I actually like how secure it is... I may not be able to get my money, but I'm pretty sure no one else can either! I got locked out once, called them, no problem gett...
by swyck
Thu Sep 15, 2011 9:18 am
Forum: Investing - Theory, News & General
Topic: Has the market priced-in a Greek default?
Replies: 40
Views: 3968

maxinout wrote:
Would it be dumb to sell the equities today and split between the other two?


I wouldn't react to these daily fluctuations. Most who do end up worse off than had they simply done nothing. Stick to your long term plan.


I didn't think we were talking about "daily fluctuations"
by swyck
Sun Sep 04, 2011 9:35 am
Forum: Investing - Theory, News & General
Topic: Dividend investors: Fatter payday on way
Replies: 14
Views: 2237

It seems to me that if companies are increasing dividends and thus returning earnings back to me and other owners, they are essentially saying - no to investment in their companies. Apple of course is the big exception and the case could be made that they are sitting on far too much cash and that a...
by swyck
Sun Sep 04, 2011 9:28 am
Forum: Personal Consumer Issues
Topic: Did you need cash during Irene to pay for something?
Replies: 4
Views: 816

Re: Did you need cash during Irene to pay for something?

Yes, the power went out Sunday morning, and I didn't want to open the refrigerator, so I went out to get something to eat. McDonalds was the only thing open, and their credit card machine was not working, so I had to pay 7 dollars cash for breakfast. You're lucky McDonalds was open. I had cash if I...
by swyck
Thu Aug 25, 2011 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Can Only the Healthy Retire Early?
Replies: 75
Views: 9340

I am not saying that those with health conditions shouldn't be able to have health insurance. Just that they should pay more than the healthy people. That is a fair system, allowing the less healthy to avoid the huge expense of their "bad year" just like others. I agree with paying more w...
by swyck
Fri Aug 19, 2011 8:36 am
Forum: Personal Consumer Issues
Topic: What's wrong with overbalancing-wheel perpetual motion?
Replies: 77
Views: 16223

So if perpetual motion machines are impossible, how does the eath keep spinning? Hmm? I suspect you know this, but at the risk of not getting the joke... a) Perpetual motion does not mean something that moves forever. It means something that can perform useful work forever; energy from nowhere. I d...
by swyck
Sun Aug 07, 2011 9:45 am
Forum: Personal Consumer Issues
Topic: Does anyone here NOT like traveling?
Replies: 153
Views: 16049

Most of us probably enjoy travel, but not some of the aspects of it. Paul Agreed. I don't like "travelling", meaning the act of getting to some other relatively far away place, but I love visiting those far away places. I know it doesn't bother everyone but the whole hassle of it is enoug...
by swyck
Sun Aug 07, 2011 8:51 am
Forum: Investing - Theory, News & General
Topic: Calling the bottom
Replies: 48
Views: 5605

August 18th. :)
by swyck
Sun Aug 07, 2011 8:46 am
Forum: Investing - Theory, News & General
Topic: Unemployment rates - Fault financial habits of pre-retirees?
Replies: 40
Views: 3170

I have nothing nice to say about this post. It may not be nice, but it's true. These guys have gotten so comfortable with the status quo at our organization for the past 30 years that they prevent us from trying to improve things. It does not help that I work for the government, so maybe it's a bit...
by swyck
Sun Jun 26, 2011 8:17 am
Forum: Investing - Help with Personal Investments
Topic: ING: Why are CD's yielding less than savings accts?
Replies: 13
Views: 2131

realitytruthprozac wrote:swyck, not MM, but you mean the savings account, correct?
Keep it in savings, since it's yielding more than a CD.

It's insane to have anything in a MM, as you get less return for more risk.


You're right it's the saving plan not an MM. Either way the yields are terrible.
by swyck
Sun Jun 26, 2011 8:14 am
Forum: Investing - Help with Personal Investments
Topic: Can't have it all: ING savings, taxable, or retirement?
Replies: 6
Views: 1404

Re: Can't have it all: ING savings, taxable, or retirement?

I know I should probably be putting all my savings into maxing out retirement, but after I do company 401(k) matching and all my other living expenses, I calculate I'll have just $17k after-tax a year to save. If I put it all into retirement, I'll have nothing for the intermediate term. Retirement ...
by swyck
Sun Jun 26, 2011 8:06 am
Forum: Investing - Help with Personal Investments
Topic: ING: Why are CD's yielding less than savings accts?
Replies: 13
Views: 2131

I've been allowing my ING CDs to cash out lately instead of rolling over as I was used to doing. Since ING is my rainy day fund I'm probably going to leave it in the MM. New money for low risk cash equivalent is going to iBonds for now. No reason to send ING any more money. If I could think of a goo...