Search found 2476 matches

by Index Fan
Tue Sep 18, 2018 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Bank used to be more customer focused
Replies: 46
Views: 5743

Re: Chase Bank is the Devil

Over my life, I've noticed a pattern- over time, good businesses I patronize end up not so good, even bad. Things change. They get bought out. New people get in charge. They decide the bottom dollar is more important than customer retention and good word of mouth referrals. So I stopped expecting an...
by Index Fan
Sat Sep 08, 2018 7:45 am
Forum: Investing - Theory, News & General
Topic: Taylor's new book is #1
Replies: 32
Views: 5863

Re: Taylor's new book is #1

Congratulations, Taylor- a brief and excellent read!
by Index Fan
Mon Aug 27, 2018 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Man...opening a savings account with Ally is an arduous process.
Replies: 32
Views: 3046

Re: Man...opening a savings account with Ally is an arduous process.

Thegame14 wrote:
Mon Aug 27, 2018 12:17 pm
Don't you just go onto their website sign up, link their account to your primary checking account, they send two small deposits to your primary checking, then you log onto Ally and verify those two deposits and you are then good to go. Couldn't be any simpler....
That was my experience.
by Index Fan
Sat Aug 25, 2018 10:05 am
Forum: Investing - Help with Personal Investments
Topic: Investing in a Broadway show production
Replies: 28
Views: 2350

Re: Investing in a Broadway show production

Assume that you could lose 100% of your investment. Good luck.
by Index Fan
Sat Aug 25, 2018 10:02 am
Forum: Investing - Help with Personal Investments
Topic: Is Treasury Direct worth the hassle?
Replies: 52
Views: 4751

Re: Is Treasury Direct worth the hassle?

Too much of a hassle for me. Very user-unfriendly, would be a nightmare for heirs. Good luck!
by Index Fan
Fri Aug 10, 2018 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Should I tell my family/friend that they are making a financial mistake?
Replies: 87
Views: 8053

Re: Should I tell my family/friend that they are making a financial mistake?

I have a reputation as being smart with money. Yet no one has ever asked me for financial advice. Friends and Family members have made grave financial mistakes. Money is an odd force in people's lives, meshed into their personality and experiences. I find it much better for peace of mind to not worr...
by Index Fan
Wed Jul 25, 2018 7:08 pm
Forum: Investing - Theory, News & General
Topic: If financial markets shut down, temporarily...
Replies: 42
Views: 3109

Re: If financial markets shut down, temporarily...

I think it is perfectly reasonable to have a plan that includes such black-swan events as the disruption of the financial system. Having some cash and PMs at home along with an amount of food, water purification, means of self-defense etc. for emergencies ranging from natural disasters to societal c...
by Index Fan
Wed Jul 25, 2018 1:29 am
Forum: Investing - Theory, News & General
Topic: "Money Talk" Radio Program with Bob Brinker
Replies: 33
Views: 4203

Re: "Money Talk" Radio Program with Bob Brinker

Like some other posters in this thread, Bob Brinker helped lead me to no-load mutual funds, Vanguard funds in particular. When I listened to his show in the 90s, he'd have interesting things to say regarding investing and money. His market timing is about the same as flipping a coin, so I wouldn't r...
by Index Fan
Wed Jul 11, 2018 4:29 pm
Forum: Investing - Theory, News & General
Topic: Six stocks make up 98% of S&P 500 gains in 2018
Replies: 76
Views: 10939

Re: Six stocks make up 98% of S&P 500 gains in 2018

jminv wrote:
Tue Jul 10, 2018 4:15 pm
Historically, the majority of gains come from a small number of stocks so this isn't surprising. In addition, gains occur on a small number of days. Combined, that's a good reason to hold the market index and forget.
Excellent observation. Wish I could upvote this.
by Index Fan
Wed Jul 11, 2018 4:27 pm
Forum: Investing - Theory, News & General
Topic: The value of international stocks, in pictures
Replies: 64
Views: 8784

Re: The value of international stocks, in pictures

I've learned (from reading the hundreds of circular debates on this forum) the decision to either add or not add international equity comes down to personal investor bias. Actually, if diversification is a virtue (and it is always upheld by Bogleheads as such), one can say that less diversification...
by Index Fan
Wed Jul 11, 2018 4:23 pm
Forum: Investing - Theory, News & General
Topic: In Pursuit of the Perfect Portfolio: John C. Bogle
Replies: 4
Views: 1073

Re: In Pursuit of the Perfect Portfolio: John C. Bogle

My first thought upon seeing the title of this video was, "the perfect is the enemy of the good."
by Index Fan
Wed Jul 11, 2018 10:17 am
Forum: Personal Finance (Not Investing)
Topic: looking for a new (online) savings account home
Replies: 23
Views: 2128

Re: looking for a new (online) savings account home

I'm done rate chasing with online savings. Unless you have a LOT of money in them, small differences in rates don't matter that much to me.

Currently at Ally, earning 1.75%.
by Index Fan
Wed Jul 11, 2018 10:15 am
Forum: Investing - Help with Personal Investments
Topic: [Considering the Vanguard LifeStrategy Fund]
Replies: 66
Views: 5405

Re: [Considering the Vanguard LifeStrategy Fund]

Vanguard LifeStrategy Growth was my first Vanguard fund back in the 90s.

Good funds.
by Index Fan
Wed Jul 11, 2018 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity charges to close accounts!
Replies: 81
Views: 28869

Re: Fidelity charges to close accounts!

Companies that charge me $ when I stop doing business with them are companies I'd be suspicious of.
by Index Fan
Tue Jul 10, 2018 8:35 am
Forum: Investing - Help with Personal Investments
Topic: Where do you keep your Emergency Fund?
Replies: 50
Views: 5792

Re: Where do you keep your Emergency Fund?

Ally Bank. I used to use the Vanguard MM Fund and that's fine, but online savings accounts are FDIC insured which is a bit of an advantage for money that's supposed to be 'safe'.
by Index Fan
Sat Jul 07, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: Ultrasonic pest repellent - do they work?
Replies: 6
Views: 735

Re: Ultrasonic pest repellent - do they work?

My mother said this worked for mice in her garage.
by Index Fan
Sat Jul 07, 2018 8:15 am
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 210
Views: 35123

Re: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio

For those with Kindle readers who haven't picked it up yet, Taylor's The Bogleheads' Guide to the Three-Fund Portfolio is now $9.99 at Amazon- what are you waiting for? :) https://www.amazon.com/Bogleheads-Guide-Three-Fund-Portfolio-Outperforms-ebook/dp/B07DH1QYJK/ref=tmm_kin_swatch_0?_encoding=UTF8...
by Index Fan
Fri Jul 06, 2018 5:59 am
Forum: Personal Finance (Not Investing)
Topic: Teaching local communities how to save/invest
Replies: 12
Views: 992

Re: Teaching local communities how to save/invest

An admirable goal.

You might try local community centers and library meeting rooms as well. As long as you are not selling anything, you should be fine with these venues. I'm not sure what kind of credentials that schools would expect you to have- you might ask and see.
by Index Fan
Mon Jul 02, 2018 10:34 am
Forum: Investing - Help with Personal Investments
Topic: What % of your equity is int’l?
Replies: 141
Views: 8356

Re: What % of your equity is int’l?

33% of equities in Total Intl Index.
by Index Fan
Wed May 30, 2018 5:34 pm
Forum: Investing - Theory, News & General
Topic: General Electric
Replies: 57
Views: 7252

Re: General Electric

Buy broad market index funds and sleep well.
by Index Fan
Wed May 30, 2018 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: get sued for posting nagative online review?
Replies: 64
Views: 7506

Re: get sued for posting nagative online review?

It's hard to believe anything you read online, particularly when money is involved. People are far more likely to post negative versus positive reviews, and there are all sorts of ways to game the review system.
by Index Fan
Wed May 16, 2018 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Buying land in central FL
Replies: 55
Views: 5734

Re: Buying land in central FL

bubbadog wrote:
Sun May 13, 2018 6:06 pm
Generally speaking, I believe that if you are "approached" by someone to make an investment/purchase, it is usually a good deal for them and a bad deal for you. The best investments you have to seek out for yourself.
^ this. ^
by Index Fan
Wed May 16, 2018 7:52 am
Forum: Investing - Theory, News & General
Topic: This is Unbelievable - another Vanguard customer support odyssey
Replies: 68
Views: 14717

Re: This is Unbelievable - another Vanguard customer support odyssey

I think average customer service in the business world as a whole is is poor.
by Index Fan
Wed May 16, 2018 7:49 am
Forum: Investing - Theory, News & General
Topic: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%
Replies: 106
Views: 11344

Re: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%

Am I the only one here that is annoyed with Vxxxx ticker symbols that are never identified by OP's?
by Index Fan
Wed May 16, 2018 7:45 am
Forum: Investing - Help with Personal Investments
Topic: Friend says "Stock market will crash, invest in silver" - thoughts?
Replies: 127
Views: 9248

Re: Friend says "Stock market will crash, invest in silver" - thoughts?

Q: When gold is down, what's the next asset pushed upon financially untutored investors?

A: Silver.


(Disclosure- I'm fine with holding a small amount of PM's for portfolio insurance)
by Index Fan
Mon Mar 12, 2018 5:07 pm
Forum: Investing - Theory, News & General
Topic: Is there any reason a buy-and-hold investor would buy gold?
Replies: 158
Views: 13603

Re: Is there any reason a buy-and-hold investor would buy gold?

Precious metals have come in handy in multiple historical scenarios including Argentina's economic turmoil in the early 2000s (especially 'junk jewelry').

Holding small amounts of PMs for portfolio insurance purposes a reasonable strategy to me.
by Index Fan
Sat Feb 24, 2018 2:30 pm
Forum: Investing - Theory, News & General
Topic: Evidence that retirement account ID theft is increasing
Replies: 31
Views: 4948

Re: Evidence that retirement account ID theft is increasing

I check my financial-only email frequently because any kind of fraud will show up in my email box (changing addresses, changing passwords, new email, new bank account, withdraws etc.).

It's really not that hard.
by Index Fan
Wed Feb 21, 2018 6:43 pm
Forum: Investing - Theory, News & General
Topic: Why investors shouldn’t panic over falling bond prices
Replies: 36
Views: 6930

Re: Why investors shouldn’t panic over falling bond prices

Everybody thinks they can time the bond market. Everyone knew that there was no place to go but down many years ago.

Nobody knows nothing.
by Index Fan
Wed Feb 14, 2018 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: How to advise a parent
Replies: 22
Views: 2223

Re: How to advise a parent

My brother and I talked mom into going to a decent financial planner. She finally went earlier this year and she's getting things in order. We're quite happy, seeing she's made some mistakes in the past.
by Index Fan
Wed Feb 07, 2018 2:01 pm
Forum: Investing - Theory, News & General
Topic: "Bitcoin is my potential pension"
Replies: 54
Views: 8781

‘Bitcoin is my potential pension’

[Thread merged into here, see below. --admin LadyGeek] ‘Bitcoin is my potential pension’ (Washington Post) What's driving people in Kentucky to join the craze https://www.washingtonpost.com/business/economy/bitcoin-is-my-potential-pension-what-is-driving-people-in-kentucky-to-join-the-craze/2018/02...
by Index Fan
Tue Feb 06, 2018 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Recently divorced trying to clear all of my credit card debt.
Replies: 46
Views: 3398

Re: Recently divorced trying to clear all of my credit card debt.

$80 monthly cell phone bill-

Get a Tracfone and a minimum yearly plan that will cost about $8 a month, plus the occasional addition of $10 data purchases and phone minutes (if you need them). You'll save a lot.
by Index Fan
Tue Feb 06, 2018 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: Torn between Vanguard, Fidelity and Schwab
Replies: 182
Views: 27069

Re: Torn between Vanguard, Fidelity and Schwab

I've had accounts at Vanguard, Fidelity, and T Rowe Price, and if I had to pick one, it would be Vanguard. Hands-down. Best selection of funds, best overall low-cost options, good online account interface.
by Index Fan
Thu Feb 01, 2018 8:07 pm
Forum: Forum Issues and Administration
Topic: Fewer acronyms please
Replies: 119
Views: 11072

Re: Fewer acronyms please

Agree on the acronyms, particularly ticker symbols.
dm200 wrote:
Thu Feb 01, 2018 7:58 pm
One technique, perhaps, is to spell it out the first time - then use the acronym.
+1
by Index Fan
Wed Jan 31, 2018 9:24 pm
Forum: Investing - Theory, News & General
Topic: looking for positive experiences transferring to Vanguard
Replies: 39
Views: 2878

Re: looking for positive experiences transferring to Vanguard

It took 2 weeks to transfer my IRA to Vanguard- no hitches at all, quite smooth.

Of course, this was back in 1997 8-)
by Index Fan
Mon Jan 29, 2018 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Returns: Total Bond Market Index vs. Intermediate Term Index
Replies: 8
Views: 1710

Re: Returns: Total Bond Market Index vs. Intermediate Term Index

Personally, I give the edge to TBM due to having more government bonds. In a flight to safety, government bonds do better. It just feels right to have my bond allocation be less about reaching for yield. My equities are for higher risk & return.
by Index Fan
Sun Jan 28, 2018 7:50 pm
Forum: Investing - Theory, News & General
Topic: Starting to feel like the late 1990s?
Replies: 145
Views: 14035

Re: Starting to feel like the late 1990s?

Your view of him is shaped by your disagreement with his politics and the fact that he has a rather large platform on which to share his views-- and I think you should admit that to yourself. And your views of him are shaped by your politics, which have been made clear by years of posts here. Krugm...
by Index Fan
Sun Jan 28, 2018 10:21 am
Forum: Investing - Help with Personal Investments
Topic: Does anyone not rebalance?
Replies: 66
Views: 5669

Re: Does anyone not rebalance?

I rebalance once every 2-3 years.

I forget where he said it, but Bill Bernstein did some calculating and recommended not rebalancing too often.
by Index Fan
Sun Jan 28, 2018 10:19 am
Forum: Investing - Theory, News & General
Topic: Robert Shiller: Stock Market Like 1928
Replies: 57
Views: 7103

Re: Robert Shiller: Stock Market Like 1928

There's an old joke that goes something like, 'He's called 12 out of the last 3 market drops.'

Nobody knows nothing.
by Index Fan
Sun Jan 28, 2018 10:12 am
Forum: Investing - Theory, News & General
Topic: Starting to feel like the late 1990s?
Replies: 145
Views: 14035

Re: Starting to feel like the late 1990s?

Listening to Nobel winning economists can also derail one's path to wealth. One boastfully declared the market would NEVER recover after the last election. In particular, a Nobel-prize-winning economist that is often lauded here. An excellent example of letting politics interfere with investing. Wh...
by Index Fan
Sat Jan 27, 2018 9:38 am
Forum: Investing - Theory, News & General
Topic: Starting to feel like the late 1990s?
Replies: 145
Views: 14035

Re: Starting to feel like the late 1990s?

Tycoon wrote:
Fri Jan 26, 2018 4:34 pm
Listening to Nobel winning economists can also derail one's path to wealth. One boastfully declared the market would NEVER recover after the last election.
In particular, a Nobel-prize-winning economist that is often lauded here.

An excellent example of letting politics interfere with investing.
by Index Fan
Fri Jan 26, 2018 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Warning on "free" Morningstar trial
Replies: 37
Views: 8038

Re: Warning on "free" Morningstar trial

Nothing makes me shun a company like making me call a CSR on the phone to do something that should be done with a single click on a webpage.
by Index Fan
Fri Jan 26, 2018 11:02 pm
Forum: Investing - Theory, News & General
Topic: Is it likely we return to historical real bond yields?
Replies: 17
Views: 2168

Re: Is it likely we return to historical real bond yields?

Bill Bernstein has written that as societies become wealthier, capital becomes relatively more abundant, and therefore return on capital shrinks. This has been going on for millenia. It could be that the low real yields on TIPS (and high CAPE ratio) are just the latest manifestations of this trend....
by Index Fan
Thu Jan 25, 2018 1:31 am
Forum: Investing - Theory, News & General
Topic: Bogle Interview - “Uneasy lies the head that wears a crown”
Replies: 1
Views: 707

Re: “Uneasy lies the head that wears a crown”

Good long interview.

Bogle reiterated that he thinks a 20% allocation to international stocks is fine.
by Index Fan
Thu Jan 25, 2018 1:12 am
Forum: Personal Finance (Not Investing)
Topic: Working in the real world
Replies: 118
Views: 10325

Re: Working in the real world

I also think many here are completely out of touch with what the average American is earning. I've seen multiple posters state they don't understand how someone could survive on a $100k salary. If you honestly think that you've lost touch. Speaking as someone who has never earned more than half of ...
by Index Fan
Thu Jan 25, 2018 1:08 am
Forum: Investing - Help with Personal Investments
Topic: Should I not have all investments in one place (Vanguard)?
Replies: 5
Views: 843

Re: Should I not have all investments in one place (Vanguard)?

I love and trust Vanguard with the majority of my investment money, but I have an account at another well-known investment firm as well for my operating/emergency money. The idea is if there is a problem with one or the other accounts at these companies, I still have the other to draw upon if I need...
by Index Fan
Thu Jan 25, 2018 1:05 am
Forum: Investing - Help with Personal Investments
Topic: Your bond allocation when you were 48
Replies: 125
Views: 7302

Re: Your bond allocation when you were 48

I was 40% bonds at age 48.
by Index Fan
Sat Jan 20, 2018 8:48 am
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 213
Views: 39619

Re: What's your U.S. : International ratio?

2/3 TSM 1/3 TISM

Been that way for years.
by Index Fan
Wed Jan 17, 2018 10:49 am
Forum: Investing - Theory, News & General
Topic: Was 2017 a unique year for the stock market?
Replies: 11
Views: 2349

Re: Was 2017 a unique year for the stock market?

Yeah, but it all averages out! :)
by Index Fan
Wed Jan 17, 2018 10:48 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Lessons From 2017
Replies: 26
Views: 5852

Re: Larry Swedroe: Lessons From 2017

Wow, Larry is covering all of the myths of investing in this series. Great stuff!
by Index Fan
Wed Jan 17, 2018 9:46 am
Forum: Investing - Theory, News & General
Topic: "Even With Low Returns, Bonds Still Have Their Use"
Replies: 1
Views: 484

Re: "Even With Low Returns, Bonds Still Have Their Use"

Good article- thanks for posting.

Remember, interest rates have had 'nowhere to go but up' for several years now. People often think they can predict the bond market, but 'nobody knows nothing'.