Search found 714 matches

by dbonnett
Sat Mar 16, 2013 10:11 am
Forum: Investing - Help with Personal Investments
Topic: Newbie real estate question
Replies: 12
Views: 1716

Re: Newbie real estate question

bankruptcy...all it takes is leverage and sluggish rentals and high turnover.
by dbonnett
Fri Mar 15, 2013 6:29 am
Forum: Investing - Help with Personal Investments
Topic: Newbie real estate question
Replies: 12
Views: 1716

Re: Newbie real estate question

While checking a vacant rental the other day, I found that the air conditioner compressor had been stolen ($2500) Because it is a rental, such losses are not covered if the property is vacant. While I have made money in this business, you have to factor in a lot of mental punishment. Other landlords...
by dbonnett
Sat Dec 08, 2012 8:06 am
Forum: Investing - Theory, News & General
Topic: Random Stock Portfolio (would this work?)
Replies: 29
Views: 2357

Re: Random Stock Portfolio (would this work?)

Using Foliofn, I bought randomly selected stocks in an attempt to mimic the Wilshire 5000 equal weighted index which is not available as a fund. I seriously under performed the index, and most other indexes. It was probably the spread on small small cap stocks...the same thing that made the January ...
by dbonnett
Wed Dec 05, 2012 12:00 pm
Forum: Personal Consumer Issues
Topic: [Lumosity]
Replies: 11
Views: 1513

[Lumosity]

Is there any validity to the exercises, or are they just playing games?
by dbonnett
Sun Dec 02, 2012 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on Edward Jones?
Replies: 44
Views: 6361

Re: Thoughts on Edward Jones?

As soon as they switched to Vanguard to please you, Vanguard could under perform and you would be the eternal goat.
The superiority of low cost funds often only show up periods of about 10 years. Give the folks one of Larry Swedroe's books.
You are treading on dangerous ground....
by dbonnett
Sat Oct 13, 2012 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: Advisors: buy and hold; yes but what other systems?
Replies: 3
Views: 707

Advisors: buy and hold; yes but what other systems?

Stock pickers? Hot fund pickers? Just what other systems are used? Paul Merriman used DFA for 80% of his clients and trend following market timing for the 20% who could not stomach the steep periodic market drops Do advisors use buy and hold simply to avoid under performing the market. As bad as it ...
by dbonnett
Fri Sep 14, 2012 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: Having a local advisor---any benefit?
Replies: 3
Views: 409

Having a local advisor---any benefit?

Posters often ask if there is an advisor in their local area. Is there some benefit I'm overlooking?
by dbonnett
Tue Aug 28, 2012 2:25 pm
Forum: Investing - Theory, News & General
Topic: second in series on the liquidity premium
Replies: 3
Views: 386

Re: second in series on the liquidity premium

This is DFa's playing field
by dbonnett
Mon Aug 27, 2012 12:51 pm
Forum: Investing - Theory, News & General
Topic: “Black Box” Investment Fraud
Replies: 9
Views: 1328

Re: “Black Box” Investment Fraud

or simply equal weight and watch your optimization cycle in and out over time
by dbonnett
Sat Aug 25, 2012 1:33 pm
Forum: Personal Consumer Issues
Topic: Is there a 1099-like way to report rental payment to lndlrd?
Replies: 19
Views: 1962

Re: Is there a 1099-like way to report rental payment to lnd

keep all receipts (or/and expense notations) and journalize all expenses; discuss with tax professional... as long as their are documents there may be ways of recharacterising in the future.
by dbonnett
Sun Aug 19, 2012 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Help with former apartment situation
Replies: 6
Views: 3573

Re: Help with former apartment situation

As a landlord, I advise you to do nothing. This is just hardballing you to keep your $400. Not worth hiring an attorney to get your $400 back.
Ignore their letters. Consult an attorney if they attempt a suit.
by dbonnett
Thu Aug 16, 2012 4:05 pm
Forum: Personal Consumer Issues
Topic: Pool Chlorine
Replies: 15
Views: 3303

Re: Pool Chlorine

No problems since running filter 24/7 and daily putting 3" tablet in one of the two skimmers. Tests show good ph level and an excess of chlorine.
Initial problem was caused by putting tablet in one of those things that float around in the pool...doesn't work.
by dbonnett
Sat Aug 11, 2012 4:18 pm
Forum: Investing - Theory, News & General
Topic: Technical Analysis Websites - Formulas Not Always Exact?
Replies: 14
Views: 2288

Re: Technical Analysis Websites - Formulas Not Always Exact?

Many indicators work fine until new data flows into the market.The new data changes the balance and things drift. News also jolts balance causing factors to compound change.Heraclitus in a moving stream...
by dbonnett
Wed Aug 08, 2012 5:22 pm
Forum: Investing - Theory, News & General
Topic: Volatility: Do the big players shake the trees to get loose
Replies: 4
Views: 870

Volatility: Do the big players shake the trees to get loose

fruit? Are they rocking the boat to create situations that might be beneficial? The volume that they work with boggles my mind...
by dbonnett
Sun Jul 29, 2012 11:48 am
Forum: Personal Consumer Issues
Topic: No (Financial) Good Deed Goes Unpunished stories
Replies: 41
Views: 5103

Re: No Good Deed Goes Unpunished stories

random occurence, they mistakenly paid twice at a time when they were ready to move on for whatever reason
by dbonnett
Thu Jul 26, 2012 8:15 am
Forum: Investing - Theory, News & General
Topic: Call it anything but market-timing!
Replies: 51
Views: 4613

Re: Names for Market-timing

Drawdown management
by dbonnett
Sun Jun 10, 2012 11:48 am
Forum: Investing - Help with Personal Investments
Topic: A rental with 13% return, help me find the catch
Replies: 86
Views: 7075

Re: A rental with 13% return, help me find the catch

Periods of vacancy between tenants, tenants who stop paying and stay in the property as long as possible including time given by the evicting judge for the tenant to relocate. Repairs, redecorating. Work these various scenarios into your figures and you will find some negative years.
by dbonnett
Wed May 16, 2012 5:59 am
Forum: Personal Consumer Issues
Topic: looking for help with roof leak problem
Replies: 8
Views: 1573

Re: looking for help with roof leak problem

Thought I had a leak close to the brick chimney and sealed around the chimney without luck. Called the roofer that I used for my rental property and they sent someone who sealed the chimney. He used specially designed masonry sealer which came like caulking material and applied with a caulking gun. ...
by dbonnett
Tue May 15, 2012 6:44 am
Forum: Personal Consumer Issues
Topic: Hair clippers? Any self-barbers out there?
Replies: 42
Views: 7167

Re: Hair clippers? Any self-barbers out there?

Every hair cut that I received in the mid 60s, my wife had to even out with scissors. Then started to have her start from the beginning with scissors. Rocky at first, but then much better. For the last 10 years she has been using an Oster professional dog clipper to keep my hair short to hide the gr...
by dbonnett
Thu May 10, 2012 7:38 am
Forum: Investing - Theory, News & General
Topic: France
Replies: 37
Views: 2864

Re: France

The market has already discounted the event.
by dbonnett
Thu May 03, 2012 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: Best buying strategy: market? last sale? bit below?
Replies: 24
Views: 1791

Re: Best buying strategy: market? last sale? bit below?

ETF summary:

Buy when the ETF is down more than 1%
Sell when the ETF is up more than 1%

Or is this an over simplification?
by dbonnett
Wed May 02, 2012 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Best buying strategy: market? last sale? bit below?
Replies: 24
Views: 1791

Re: Best buying strategy: market? last sale? bit below?

I've tried numerous keywords without luck. I'll do the work...perhaps a hint or so.
by dbonnett
Tue May 01, 2012 8:00 pm
Forum: Investing - Theory, News & General
Topic: IRS error in my favor
Replies: 17
Views: 2561

Re: IRS error in my favor

I received a check many years ago, and two weeks later a demand letter for the same amount for money that they said I owed.
Keep it but be prepared to send it back. Hopefully without interest and penalty.
by dbonnett
Thu Apr 26, 2012 4:53 pm
Forum: Personal Consumer Issues
Topic: Best internet travel forum?
Replies: 21
Views: 2407

Re: Best internet travel forum?

Trip advisor

For european hotel reviews I use bookings.com

You have to read all the reviews to weed out the friends and whiners
by dbonnett
Tue Apr 24, 2012 5:36 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity Advisor
Replies: 29
Views: 3421

Re: Fidelity Advisor

Many have great knowledge but no skill.
by dbonnett
Sat Apr 21, 2012 2:43 pm
Forum: Personal Consumer Issues
Topic: yellowstone trip -stay in park or out of park?
Replies: 29
Views: 3183

Re: yellowstone trip -stay in park or out of park?

Stayed in a pup tent one night. A lot of signs warning of foraging bears. We are not campers; probably only six times in a lifetime.
by dbonnett
Sat Apr 21, 2012 7:22 am
Forum: Personal Consumer Issues
Topic: dryer vent cleaning--your thoughts?
Replies: 44
Views: 6695

Re: dryer vent cleaning--your thoughts?

I used an inexpensive plumbers snake. A half an hour or less and vacuumed up the lint which fell to the floor.
Perhaps too simplistic.
by dbonnett
Sat Apr 07, 2012 3:36 pm
Forum: Investing - Theory, News & General
Topic: 200-day moving average market timing
Replies: 1194
Views: 416249

Re: 200-day moving average market timing

Short term results vs. buy and hold vary wildly. Where you begin and end your measurement changes the outcome drastically.
In the end they come in close to each other. Tax sheltered account a must.
by dbonnett
Sun Apr 01, 2012 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: How should one deal with adult children's finances?
Replies: 144
Views: 10327

Re: How should one deal with adult children's finances?

Situation normal. Same with my 6 kids. 16 grandchildren. No answer. Play it by ear and do the best you can. Even when they are over 50 and divorced you may get requests for rent and rehab treatment. And then there are requests from grandchildren of disfunctional children. Train vigorously because yo...
by dbonnett
Tue Mar 27, 2012 8:50 am
Forum: Personal Finance (Not Investing)
Topic: When you short a stock and pay the dividend
Replies: 0
Views: 240

When you short a stock and pay the dividend

Where does this show up? Does it reduce your dividends or does it change the basis of your purchase/sales price?
What happens when you pay the dividend one year but cover the short the next year?
by dbonnett
Mon Mar 26, 2012 4:49 pm
Forum: Investing - Theory, News & General
Topic: Are there "avoid" months in a calender year
Replies: 15
Views: 1473

Re: Are there "avoid" months in a calender year

over the long run, yes. ...difficult to exploit because any gain would be a short term gain...for many years it will not work leaving the investor unsure if the anomoly had run its course.(the earth is flat, it's just a lot wider than we thought)
by dbonnett
Sun Mar 25, 2012 3:43 pm
Forum: Investing - Theory, News & General
Topic: Money Magazine is bad for me
Replies: 55
Views: 6189

Re: Money Magazine is bad for me

Magazines are a for profit commercial venture. The profit is derived from advertising. Advertisers are promised a sympathetic environment where their advertisement can flourish. Never biting the hand that feeds you is a given. Editorial fits the template.
by dbonnett
Sat Mar 24, 2012 4:00 pm
Forum: Investing - Theory, News & General
Topic: Creating the Ideal "Capital Preservation" Portfolio
Replies: 30
Views: 4106

Re: Creating the Ideal "Capital Preservation" Portfolio

20% each gld,edv,vti,vbr,vwo
rebalance yearly
by dbonnett
Sun Mar 11, 2012 2:58 pm
Forum: Personal Consumer Issues
Topic: Selling Used Books
Replies: 41
Views: 5577

Re: Selling Used Books

Happy with Half.com...sold 100's
by dbonnett
Sat Mar 10, 2012 5:30 pm
Forum: Investing - Theory, News & General
Topic: DFA vs Vanguard Portfolios - Big Difference Over Last 10 yrs
Replies: 85
Views: 14283

Re: DFA vs Vanguard Portfolios - Big Difference Over Last 10

For performance during the last 3 to 5 years compare prf to dflvx; prfz to dfsvx; pxf to dfivx; pdn to disvx
by dbonnett
Tue Feb 28, 2012 7:10 pm
Forum: Investing - Theory, News & General
Topic: What is T. Rowe Price getting at?
Replies: 9
Views: 1638

Re: What is T. Rowe Price getting at?

Seasonality and Election years have a strong bearing on stock market returns.
Google Sy Harding. Hard to capture and frustrating to chase. Often pointless after taxes.
by dbonnett
Sun Feb 26, 2012 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Spending time in Europe
Replies: 38
Views: 3486

Re: Spending time in Europe

Check train schedules using SBB.COM (swiss rail)
Use bookings.com to find a hotel by the train station. (within 200 meters)
All transportation to everywhere in any city goes by the train station. Bus, trolley. tram, subway.
Strange to the American mind. Works everywhere in Europe.
Doesn't work in USA
by dbonnett
Sun Feb 26, 2012 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: Diversification - I have 90% in Hi Yield Corp.
Replies: 11
Views: 1340

Re: Diversification - I have 90% in Hi Yield Corp.

The value of your bond portfolio could shrink 25% in a week given some flight to safety.
Sleep with one eye open. Or look at the chart of HYG September '08
by dbonnett
Thu Feb 23, 2012 12:34 pm
Forum: Investing - Theory, News & General
Topic: Dan Wiener thinks most active investors can beat indexes.
Replies: 36
Views: 4234

Re: Dan Wiener thinks most active investors can beat indexes

Dan Wiener uses a balanced group of active Vanguard funds to turn in a credible performance year after year.
His performance is reported on this board monthly. His big problem is self promotion gone wild.
by dbonnett
Tue Feb 21, 2012 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of Burial
Replies: 25
Views: 2198

Re: Cost of Burial

Cremation is fine for me and my children. Have been in European countries where I have seen 100 year old disenterred bones used for art and crafts and fun and games. World War I battleground monuments, Rome, Poland, Monestaries. Let final rest be final.
by dbonnett
Fri Feb 10, 2012 9:18 pm
Forum: Investing - Theory, News & General
Topic: Scott Burns blows the whistle on ETFs (and Vanguard too?)
Replies: 39
Views: 7416

Re: Scott Burns blows the whistle on ETFs (and Vanguard too?

If I am not mistaken, having a ETF share class of a fund, helps with the tax effieciency of the mutual fund of the fund class by off loading capital gains.
This is from Gus Sauter if I'm not mistaken.
by dbonnett
Mon Feb 06, 2012 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: Swenson's Yale Lazy Portfolio in ETF's
Replies: 13
Views: 4200

Re: Swenson's Yale Lazy Portfolio in ETF's

Many would opt for short term bonds instead of long term. Fine otherwise.
The tilters would add some small cap value for part of the total market. 20/10
by dbonnett
Sat Feb 04, 2012 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Is the VIX actionable?
Replies: 7
Views: 814

Is the VIX actionable?

Or does it simply tell you when you have been hit by a car, after the fact.
by dbonnett
Tue Jan 31, 2012 7:38 am
Forum: Investing - Theory, News & General
Topic: Technical analysis trading - what is a good win rate?
Replies: 58
Views: 4188

Re: Technical analysis trading - what is a good win rate?

Bling wrote: The Ivy Portfolio there's a section in the book about using a 10-month SMA system. when below the line, sell, when above the line, buy. between 1900-2008, the S&P 500 returned 9.21% with 17.78% volatility. using the 10-month SMA, it returned 10.45%, with 12.02% volatility. using technic...
by dbonnett
Fri Jan 27, 2012 9:15 pm
Forum: Investing - Theory, News & General
Topic: Technical analysis trading - what is a good win rate?
Replies: 58
Views: 4188

Re: Technical analysis trading - what is a good win rate?

Three small losses from being stopped out by trades that run against you;(falls below 20 day moving average) one large gain that stays above its 20 day moving average for a long ride. Trade only when 50 and 200 day moving averages are positive. (market and positions) Use only stocks or ETFs with the...
by dbonnett
Fri Jan 27, 2012 4:21 pm
Forum: Investing - Theory, News & General
Topic: Technical analysis trading - what is a good win rate?
Replies: 58
Views: 4188

Re: Technical analysis trading - what is a good win rate?

Good luck in your search for the Holy Grail