Search found 2421 matches

by Index Fan
Sun Oct 22, 2017 9:19 am
Forum: Investing - Theory, News & General
Topic: Why is inflation so low? Moore's law?
Replies: 33
Views: 4414

Re: Why is inflation so low? Moore's law?

Technology seems to be broadly deflationary these days. Correct. I'm reminded of the last half of the 1800's in America when the railroads and telegraph- 19th century high tech- had a deflationary effect that was good for consumers but not necessarily good for employment then. There are a few signi...
by Index Fan
Mon Oct 16, 2017 11:34 am
Forum: Investing - Help with Personal Investments
Topic: VITAX ( vanguard tech fund )
Replies: 9
Views: 534

Re: VITAX ( vanguard tech fund )

Taylor and Mr. Bogle are 100% correct :)
by Index Fan
Sun Oct 15, 2017 5:04 pm
Forum: Investing - Theory, News & General
Topic: What's your asset allocation and why?
Replies: 160
Views: 14316

Re: What's your asset allocation and why?

50/50 AA.

1/3 of equities are international.

Retirement with a pension- my sleep-at-night factor is high.
by Index Fan
Wed Sep 13, 2017 9:26 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 301
Views: 33120

Re: Vanguard Customer Service

Customer service for the masses is generally less-than-stellar across the board. This is the state of things in the world today.
by Index Fan
Tue Sep 12, 2017 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Beyond Equifax: Dealing with ID theft
Replies: 8
Views: 1092

Re: Beyond Equifax: Dealing with ID theft

Very useful!

Another site of interest to the topic-

https://www.schneier.com/
by Index Fan
Fri Sep 08, 2017 2:06 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 49856

Re: Equifax customer information leak

Speaking of Lifelock, I had signed up with them and then canceled the service the following year (years ago). When I contacted them about cancelling, I found that they had entered my name and address incorrectly. All you can do is laugh at this point. Literally everything is broken when it comes to ...
by Index Fan
Sat Sep 02, 2017 8:46 am
Forum: Investing - Theory, News & General
Topic: Robert Kiyosaki - rich dad, poor dad
Replies: 45
Views: 4688

Re: Robert Kiyosaki - rich dad, poor dad

Kiyosaki is the poster child for America's dysfuncional reality when it comes to money.
by Index Fan
Wed Aug 30, 2017 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: How do you know you're not being scammed when buying a house?
Replies: 33
Views: 3380

Re: How do you know you're not being scammed when buying a house?

"When you don't know who the sucker is in the room, it is you."
by Index Fan
Tue Aug 29, 2017 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: Relative angry I will not co-sign
Replies: 90
Views: 8475

Re: Relative angry I will not co-sign

You did the right thing.

If someone is angry that you won't risk your money for them, they are not worth keeping as a friend.

Never, ever, cosign anything.
by Index Fan
Fri Aug 04, 2017 1:36 pm
Forum: Investing - Theory, News & General
Topic: Greenspan: Look Out When Bonds Pop
Replies: 58
Views: 8901

Re: Greenspan: Look Out When Bonds Pop

I think the fracking thing is something of a game changer.
Remember the Peak Oil hysteria?

Julian Simon is smiling somewhere.

The lesson here is, 'nobody knows nothin'. '
by Index Fan
Fri Aug 04, 2017 10:17 am
Forum: Investing - Theory, News & General
Topic: The Rise From 7,000 to 22,000
Replies: 49
Views: 6850

Re: The Rise From 7,000 to 22,000

aristotelian wrote:It doesn't seem so extreme if you think of it as 14,000-22,000 from 2007-2017.
:thumbsup

It's all in the framing.

Have an AA you can live with. Stay the course.
by Index Fan
Fri Jul 28, 2017 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: Should emergency funds be included in AA?
Replies: 45
Views: 2887

Re: Should emergency funds be included in AA?

Don't worry about it, you're good. This is the kind of thing I wondered about before I got bored with investing minutiae.
by Index Fan
Fri Jul 28, 2017 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: GF Picking a college major
Replies: 105
Views: 6207

Re: GF Picking a college major

I was a college dropout after half a year in university right out of high school, floating through life. I spent several years in the lower-paying working world, which gave me the desire to go back to university and get a degree. Ended up with a bachelor's degree with honors and a better-paying care...
by Index Fan
Sat Jul 15, 2017 8:49 am
Forum: Investing - Theory, News & General
Topic: Is now time to move into international stocks?
Replies: 57
Views: 7209

Re: Is now time to move into international stocks?

Have an asset allocation between equities &fixed income and domestic &international that you are comfortable with for the long term.
by Index Fan
Fri Jul 14, 2017 8:31 am
Forum: Personal Finance (Not Investing)
Topic: My first poor Ally Bank experience
Replies: 25
Views: 5160

Re: My first poor Ally Bank experience

I've never needed to talk to anyone at the financial institutions I am a member of. Apparently that's the key to having a positive experience.
by Index Fan
Wed Jul 12, 2017 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Personal loan to a family member
Replies: 114
Views: 7903

Re: Personal loan to a family member

Don't do it unless you would give it as a gift. There are many many stories of money destroying family relationships.
by Index Fan
Mon Jul 10, 2017 11:47 am
Forum: Investing - Help with Personal Investments
Topic: (Almost) every day I make a financial mistake more costly than the day before
Replies: 57
Views: 7656

Re: (Almost) every day I make a financial mistake more costly than the day before

As far as making mistakes- we've all done that. Realizing the mistakes you've made is the majority of the battle.
by Index Fan
Mon Jul 10, 2017 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity, Vanguard or Schwab? I need to choose.
Replies: 47
Views: 4286

Re: Fidelity, Vanguard or Schwab? I need to choose.

I'm a big Vanguard fan. Then again I've never needed to talk to customer service ;) Fidelity has a better reputation customer-service wise, but Vanguard's funds are much better. If we're talking about Index funds - then you can do just as good at Fidelity and Schwab. I was thinking of the fund sele...
by Index Fan
Mon Jul 10, 2017 9:42 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity, Vanguard or Schwab? I need to choose.
Replies: 47
Views: 4286

Re: Fidelity, Vanguard or Schwab? I need to choose.

I'm a big Vanguard fan. Then again I've never needed to talk to customer service ;) Fidelity has a better reputation customer-service wise, but Vanguard's funds are much better. If we're talking about Index funds - then you can do just as good at Fidelity and Schwab. I was thinking of the fund sele...
by Index Fan
Sat Jul 08, 2017 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity, Vanguard or Schwab? I need to choose.
Replies: 47
Views: 4286

Re: Fidelity, Vanguard or Schwab? I need to choose.

I'm a big Vanguard fan. Then again I've never needed to talk to customer service ;)

Fidelity has a better reputation customer-service wise, but Vanguard's funds are much better.
by Index Fan
Sat Jul 08, 2017 9:35 am
Forum: Investing - Theory, News & General
Topic: Reuters Story on Used Car Market
Replies: 19
Views: 2554

Re: Reuters Story on Used Car Market

They don't make 'em like they used to. They make 'em much, much better. Cars are a lot more durable, and a five-year-old car is a lot better, than it was, say, thirty years ago. The improvements in rust resistance alone are almost unbelievable. Reminds me of an old 1978 Camaro I once owned. It need...
by Index Fan
Sat Jul 08, 2017 9:32 am
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 127
Views: 15318

Re: Anyone else gotten totally bored with investing?

nedsaid wrote:Good investing is supposed to be boring. It should be like watching paint dry or tumbleweeds tumble.
+100

And yes, I'm bored :)
by Index Fan
Thu Jul 06, 2017 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance - is it worth it?
Replies: 159
Views: 12104

Re: Long term care insurance - is it worth it?

One factor not often mentioned is- what if the insurance company disputes your claim? There are horror stories out there online if you care to look for them. Think of how much hassle health insurers cause through outright denial of claims and one has to jump through hoops to get them to honor their ...
by Index Fan
Mon Jul 03, 2017 10:17 am
Forum: Investing - Help with Personal Investments
Topic: Suggesting to a parent to leave Edward Jones
Replies: 23
Views: 2724

Re: Suggesting to a parent to leave Edward Jones

I agree with your goal of getting your mother out of EJ's clutches, but be prepared for unintended consequences. What would she do without EJ? Would she be in a worse situation? Are you prepared to give her advice? What if the market drops or her funds go down and she blames you? You'll own the resu...
by Index Fan
Sun Jun 25, 2017 9:46 am
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 127
Views: 15318

Re: Anyone else gotten totally bored with investing?

Yes. Much less tinkering than I used to do. There's more to life!
by Index Fan
Tue Jun 20, 2017 1:07 pm
Forum: Investing - Theory, News & General
Topic: Do Bonds have a place if basic expenses are covered by income streams?
Replies: 69
Views: 4729

Re: Do Bonds have a place if basic expenses are covered by income streams?

I have a pension that covers my living expenses but still maintain an AA of 50/50. I'm not interested in the market whipsawing my net worth in a big way.
by Index Fan
Tue Jun 20, 2017 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Liability with dogs, hypothetical
Replies: 67
Views: 4013

Re: Liability with dogs, hypothetical

I'm a big animal lover and would urge you to be a responsible dog owner. There are too many who are irresponsible- I see this almost every day. I get along with virtually any animal and enjoy petting dogs cats etc. but have been confronted a few times by snarling dogs whose owners couldn't be bother...
by Index Fan
Sun Jun 18, 2017 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 21153

Re: Siblings in disagreement over mom's house.

I'd urge people not to leave joint custody of property to family members. Such things often bring out the worst in people and can tear families apart.

There are many examples of such outcomes, I'll spare you my family's example.
by Index Fan
Sat Jun 17, 2017 2:40 pm
Forum: Investing - Theory, News & General
Topic: Your Favorite Portfolio Tilts
Replies: 86
Views: 7777

Re: Your Favorite Portfolio Tilts

I'm essentially a lumper (TSM, TISM, TBM, a bit in TIPS) with 10% of my portfolio in VG REIT Index. It's added spice- diversification and higher positive returns- to my portfolio over the years. It's worked out for me so far in the 21st century.
by Index Fan
Sun Jun 11, 2017 10:08 pm
Forum: Investing - Theory, News & General
Topic: Bogle Doubles Down on US Index Funds
Replies: 118
Views: 17206

Re: Bogle Doubles Down on US Index Funds

From another recent interview with Mr. Bogle: "So if people knew they were putting 45% of their so-called international, non-US, money in Great Britain, France and Japan — I mean every one of those three countries has real problems," Bogle said. "The French don’t work very hard, The Japanese have a...
by Index Fan
Sun Jun 11, 2017 10:00 pm
Forum: Investing - Theory, News & General
Topic: Add TIPS and High Yield Corporate Bonds To Your Portfolio?
Replies: 16
Views: 1881

Re: Add TIPS and High Yield Corporate Bonds To Your Portfolio?

I have a modest portion of my fixed income (mostly consisting of TBM) in TIPS. I think Taylor is correct on taking your risks on the equity side, not fixed income which is more for stability. I have no desire to own high yield for that reason.
by Index Fan
Sun May 21, 2017 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Watching elderly family members burn money
Replies: 17
Views: 2931

Re: Watching elderly family members burn money

Americans and their money, American families. Two subject that have produced many novels.

Don't take it to heart or you'll grow bitter.
by Index Fan
Tue May 02, 2017 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Convince me that I'm holding too much cash
Replies: 62
Views: 8989

Re: Convince me that I'm holding too much cash

Only you can decide if you have too much cash.
by Index Fan
Thu Apr 20, 2017 4:30 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 43147

Re: Larry Swedroe says "Goodby."

I'll miss you, Larry. Thanks for your help over the years. I leaned a lot from you.
by Index Fan
Tue Apr 04, 2017 9:39 am
Forum: Investing - Theory, News & General
Topic: Early retirees - how did you inform your loved ones and friends?
Replies: 54
Views: 6403

Re: Early retirees - how did you inform your loved ones and friends?

In my experience, the less personal information you volunteer to everyone, the better. Sadly.

All sorts of assumptions will be made about you, often fitting what people want to think about you, or what advantage they can take of you.
by Index Fan
Tue Apr 04, 2017 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Credit Union Places Me in Crosshairs
Replies: 17
Views: 2244

Re: Credit Union Places Me in Crosshairs

If it was packaged so your personal information (not just name & address but SSN & DL ID #) was visible to everyone handling it, I'd: 1) Demand that this practice stop 2) If you do not get satisfaction, talk to an attorney That is insane in this day and age. Reminds me of when I joined a cre...
by Index Fan
Sun Apr 02, 2017 9:05 am
Forum: Investing - Help with Personal Investments
Topic: Andrew Tobias's "The only investment guide you'll ever need" $2.99 on Kindle
Replies: 4
Views: 1140

Re: Andrew Tobias's "The only investment guide you'll ever need" $2.99 on Kindle

This was one of the very first investing books I read. I picked it up- worthwhile and entertaining.
by Index Fan
Thu Mar 30, 2017 10:16 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 228
Views: 44550

Re: John Bogle on international

Diversity is good, except when Saint Jack says it isn't.
by Index Fan
Sat Mar 25, 2017 9:07 am
Forum: Investing - Theory, News & General
Topic: Justification for Adding REITs
Replies: 78
Views: 8638

Re: Justification for Adding REITs

I've held a 10% position in the VG REIT Index for 16 years now and it has been a good diversifier and is one of my highest-returning funds during that time period. It's a wild ride at times, but this is my 10% position in 'tilting'. The rest of my portfolio is basically TSM / TISM / TBM / TIPS.
by Index Fan
Tue Mar 14, 2017 11:27 am
Forum: Personal Finance (Not Investing)
Topic: When should you replace a vehicle?
Replies: 52
Views: 5158

Re: When should you replace a vehicle?

I replace mine when they die or when they cost as much to keep on the road as getting another car would cost.
by Index Fan
Tue Mar 14, 2017 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Is the Vanguard Balanced Index Fund all you need?
Replies: 58
Views: 10704

Re: Is the Vanguard Balanced Index Fund all you need?

You could do a lot worse. This is a good one-stop fund.
by Index Fan
Mon Mar 13, 2017 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: "We’re not going back to the ‘80s, but expect the Fed to raise rates" by Joe Davis of Vanguard
Replies: 28
Views: 4082

Re: "We’re not going back to the ‘80s, but expect the Fed to raise rates" by Joe Davis of Vanguard

The increasing of interest rates to more normal levels is in my view way overdue. I for one don't like having to use a microscope to see what my interest rate is on my savings accounts or to see what the bank has actually paid me for having money deposited with them. It has been tough on our senior...
by Index Fan
Mon Mar 13, 2017 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: 0.47% expense ratio - too high?
Replies: 24
Views: 2683

Re: 0.47% expense ratio - too high?

My personal level of ERs starting to feel a little high is 20-25 basis points. Not that I haven't owned funds with higher ERs, but Vanguard and Fidelity (Spartan) have spoiled me terribly.
by Index Fan
Fri Mar 10, 2017 11:56 am
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 175
Views: 26746

Re: Sitting on cash....Waiting for a crash

The market can remain irrational longer than you can remain solvent.

50/50 AA, not worrying about it.
by Index Fan
Thu Mar 09, 2017 11:58 am
Forum: Investing - Theory, News & General
Topic: Does anyone own gold?
Replies: 114
Views: 11391

Re: Does anyone own gold?

A small amount, more for insurance purposes than investment. Wow, a lot fewer gold bugs around here than I would have thought Like everything else on this board, when something is doing great there are all sorts of advocates. When something is doing poorly, there are few advocates. Bogleheads aren't...
by Index Fan
Thu Mar 09, 2017 11:56 am
Forum: Personal Finance (Not Investing)
Topic: How Much in Your Emergency Fund And Is It Used?
Replies: 188
Views: 21181

Re: How Much in Your Emergency Fund And Is It Used?

I find it fascinating that quite a few people obsess over such a small part of investing.
by Index Fan
Tue Mar 07, 2017 1:04 pm
Forum: Investing - Theory, News & General
Topic: Could the TSP solve the retirement crisis?
Replies: 4
Views: 1007

Re: Could the TSP solve the retirement crisis?

Definitely interesting!

This is the mainstreaming of Bogleheadism.