Search found 435 matches

by boglephreak
Tue Oct 11, 2016 1:51 pm
Forum: Investing - Theory, News & General
Topic: Cheap asset classes and on-sale stock
Replies: 33
Views: 4158

Re: Cheap asset classes and on-sale stock

He never claimed Bernstein used the phrase 'on sale' - did he? I'm not trying to be a dick, but I do think it is important to flesh out why you think it is different because, as I said, I think people use the phrase as a crutch to make decisions they wouldn't make normally and if that is the case s...
by boglephreak
Mon Oct 10, 2016 9:39 pm
Forum: Investing - Theory, News & General
Topic: Cheap asset classes and on-sale stock
Replies: 33
Views: 4158

Re: Cheap asset classes and on-sale stock

i think if you assume that the stock market (as a whole) is always going to go up, which most people do, then when there are dips in the prices, you can say that the stock market (as a whole!) is on sale. the assumption being if you buy on the dip, you will get higher returns (compared to the last ...
by boglephreak
Mon Oct 10, 2016 9:14 pm
Forum: Investing - Theory, News & General
Topic: Cheap asset classes and on-sale stock
Replies: 33
Views: 4158

Re: Cheap asset classes and on-sale stock

i think if you assume that the stock market (as a whole) is always going to go up, which most people do, then when there are dips in the prices, you can say that the stock market (as a whole!) is on sale. the assumption being if you buy on the dip, you will get higher returns (compared to the last ...
by boglephreak
Mon Oct 10, 2016 5:19 pm
Forum: Investing - Theory, News & General
Topic: Cheap asset classes and on-sale stock
Replies: 33
Views: 4158

Re: Cheap asset classes and on-sale stock

i think if you assume that the stock market (as a whole) is always going to go up, which most people do, then when there are dips in the prices, you can say that the stock market (as a whole!) is on sale. the assumption being if you buy on the dip, you will get higher returns (compared to the last X...
by boglephreak
Mon Oct 10, 2016 2:49 pm
Forum: Investing - Theory, News & General
Topic: ML to end commissions per Fiduciary Rule
Replies: 11
Views: 2609

Re: ML to end commissions per Fiduciary Rule

Here's an article on the meltdown at Edward Jones. Serves them right. http://www.ibtimes.com/obamas-conflict-interest-rule-could-rattle-edward-jones-investment-giant-2348134 this is from the article: “You end up making decisions that steer people to particular types of products because of commissio...
by boglephreak
Fri Oct 07, 2016 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: So many threads about mortgages!
Replies: 19
Views: 2192

Re: So many threads about mortgages!

i want to know where everyone is getting these no-cost refinances. i have a 3.5% mortgage i would love to re-fi if i dont have to pay any costs to do so. Zillow's Mortgage search is a good place to start: https://www.zillow.com/mortgage-rates Sort by fees and see what the lowest fees and interest r...
by boglephreak
Fri Oct 07, 2016 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: So many threads about mortgages!
Replies: 19
Views: 2192

Re: So many threads about mortgages!

i want to know where everyone is getting these no-cost refinances. i have a 3.5% mortgage i would love to re-fi if i dont have to pay any costs to do so.
by boglephreak
Fri Oct 07, 2016 3:17 pm
Forum: Investing - Theory, News & General
Topic: Trying to beat the market
Replies: 18
Views: 3077

Re: Trying to beat the market

i went to etf.com to see the source. it says this: Rather than ignoring those ETFs, perhaps investors should take a look at closer look at them to see if there are any opportunities available at discount prices. After all, past performance isn't necessarily indicative of future performance, and this...
by boglephreak
Wed Oct 05, 2016 5:19 pm
Forum: Investing - Theory, News & General
Topic: [2016 Bogleheads 15 Conference Report]
Replies: 53
Views: 9765

Re: [2016 Bogleheads 15 Conference Report]

digarei wrote:
thanks, i will take a look later!
by boglephreak
Wed Oct 05, 2016 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Advice on Selling Home to Parents
Replies: 9
Views: 1701

Re: Advice on Selling Home to Parents

I am in the same predicament as you as my parents are living in a home in my name that has appreciated substantially. They also only pay me enough rent to cover mortgage, taxes, and maintenance. My parents aren't quite ready to move out of CA, yet. But, the exit strategy has always been option A. B...
by boglephreak
Tue Oct 04, 2016 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on Selling Home to Parents
Replies: 9
Views: 1701

Re: Advice on Selling Home to Parents

Do you have enough cash that you could tie up for a year or so to pay off the mortgage sell house at cost to them with you holding mortgage while they then turn around and sell? They will have taxes on gains but someone will need to pay them given the way you set this up. Have you been listing it a...
by boglephreak
Tue Oct 04, 2016 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on Selling Home to Parents
Replies: 9
Views: 1701

Re: Advice on Selling Home to Parents

Why do you feel obligated to give your parents a free home? Whatever is driving the original decision will help guide the current one. You have a few other options D. You could keep the house as a rental and keep the income and your parents are responsible for themselves. D1. You could keep the hou...
by boglephreak
Tue Oct 04, 2016 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on Selling Home to Parents
Replies: 9
Views: 1701

Advice on Selling Home to Parents

I was hoping for some advice (or at least pointing me in the right direction) for selling a home to my parents. Background: 1. I purchased a California home in 2013 for my parents with the intent of selling it to them when they improve their credit (they did a short-sale on a previous home). The int...
by boglephreak
Fri Sep 30, 2016 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: How much Umbrella Insurance coverage needed?
Replies: 65
Views: 16936

Re: How much Umbrella Insurance coverage needed?

i have $2 million. $1 million was basically free (GEICO gives a rebate on auto insurance if you have umbrella), and $2 million wasnt that much more than $1 million. the real cost is that i had to increase my insurance for my rental properties, my home and auto to make sure that you meet minimums. i...
by boglephreak
Fri Sep 30, 2016 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: How much Umbrella Insurance coverage needed?
Replies: 65
Views: 16936

Re: How much Umbrella Insurance coverage needed?

i have $2 million. $1 million was basically free (GEICO gives a rebate on auto insurance if you have umbrella), and $2 million wasnt that much more than $1 million. the real cost is that i had to increase my insurance for my rental properties, my home and auto to make sure that you meet minimums. i ...
by boglephreak
Fri Sep 30, 2016 2:42 pm
Forum: Investing - Theory, News & General
Topic: [2016 Bogleheads 15 Conference Report]
Replies: 53
Views: 9765

Re: [2016 Bogleheads 15 Conference Report]

is there anticipated to be any audio or video from the conference?
by boglephreak
Fri Sep 30, 2016 1:38 pm
Forum: Personal Investments
Topic: Anyone feel like ripping this asset allocation to shreds?
Replies: 58
Views: 5287

Re: Anyone feel like ripping this asset allocation to shreds?

you seem affluent .. Affluent ... no ... this is just an exercise in futility - unfortunately. That said, I'm trying to figure out if a more global bond fund would be less risky with similar returns. Have been looking at TOTL. Any thoughts? personally, i question whether holding int'l equity is nec...
by boglephreak
Fri Sep 30, 2016 1:21 pm
Forum: Personal Investments
Topic: Anyone feel like ripping this asset allocation to shreds?
Replies: 58
Views: 5287

Re: Anyone feel like ripping this asset allocation to shreds?

only additional comment that pop up is: is BND really the best bond fund for you; would a muni fund be better given you seem affluent, or would an short/intermediate bond fund be better because of low interest rates currently (I am not an expert, or even amateur on bond funds, so i would defer to ot...
by boglephreak
Thu Sep 29, 2016 5:43 pm
Forum: Investing - Theory, News & General
Topic: What stocks can I buy when it comes to Marijuana?
Replies: 56
Views: 13245

Re: What stocks can I buy when it comes to Marijuana?

i heard the tobacco companies will be big in marijuana when its legalized. i would think that would be your best bet to capitalize on it. the time horizon is questionable though. wide scale legalization may not occur for a decade or more, and may not happen at all. seems like a pretty risky bet.
by boglephreak
Thu Sep 29, 2016 4:15 pm
Forum: Personal Investments
Topic: Anyone feel like ripping this asset allocation to shreds?
Replies: 58
Views: 5287

Re: Anyone feel like ripping this asset allocation to shreds?

Purchasing power preservation for about 40 years with an ever decreasing need to purchase... ...PROCESS: Move cash into these allocations at rate of 30K/quarter, rebalancing by adding rather than selling. Do this for 8-10 years - roughly 2017 - 2027. Your plan is to spend 20-25% of your investment ...
by boglephreak
Wed Sep 28, 2016 6:51 pm
Forum: Personal Investments
Topic: Anyone feel like ripping this asset allocation to shreds?
Replies: 58
Views: 5287

Re: Anyone feel like ripping this asset allocation to shreds?

I don't know if it is just this form's general stance or if there is actually intelligent minds out there that are not pushing gold - seems like it has been a debatable topic. im pretty sure buffet doesnt push gold. and has a few famous phrases about it. here are some: “Gold gets dug out of the gro...
by boglephreak
Wed Sep 28, 2016 6:39 pm
Forum: Personal Investments
Topic: Anyone feel like ripping this asset allocation to shreds?
Replies: 58
Views: 5287

Re: Anyone feel like ripping this asset allocation to shreds?

i have yet to see a reasonable argument why anyone would buy gold (let alone 15% of their AA) or commodities. No purchase at this point. Although, I only joined this forum a few days ago and only posted two questions. Your response about gold came up last time. I don't know if it is just this form'...
by boglephreak
Wed Sep 28, 2016 6:21 pm
Forum: Personal Investments
Topic: Anyone feel like ripping this asset allocation to shreds?
Replies: 58
Views: 5287

Re: Anyone feel like ripping this asset allocation to shreds?

i have yet to see a reasonable argument why anyone would buy gold (let alone 15% of their AA) or commodities.
by boglephreak
Wed Sep 28, 2016 5:11 pm
Forum: Personal Investments
Topic: Fido is Cheaper; My Reasons to Stick With Vanguard
Replies: 29
Views: 3932

Re: Fido is Cheaper; My Reasons to Stick With Vanguard

there was a thread recently on Fidelity vs. Vanguard in the general forum; i am thinking the last two months. i dont understand the specifics, but apparently Fidelity is not actually cheaper if you take all things into account because of something the name of which escapes me at this moment. ER is c...
by boglephreak
Wed Sep 28, 2016 5:03 pm
Forum: Personal Investments
Topic: Record Keeping
Replies: 3
Views: 664

Record Keeping

Simply put, do I need to keep personal records (i.e., for tax, capital gains, etc. reasons) for my Vanguard taxable and Roth IRA accounts, or can I rely solely on the information provided by Vanguard? I am not referring to just checking to make sure bi-weekly transactions are going through, I am thi...
by boglephreak
Fri Sep 23, 2016 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth Milestone Today - $1.5M
Replies: 128
Views: 23142

Re: Net Worth Milestone Today - $1.5M

i am curious why (1) you include cars' worth in net worth; and (2) why you subtract car loans from taxable, not your cars' net worth.
by boglephreak
Fri Sep 23, 2016 2:49 pm
Forum: Investing - Theory, News & General
Topic: The Trouble with "Buy and Hold"
Replies: 144
Views: 18638

Re: The Trouble with "Buy and Hold"

i think threads like this with contrarian views or challenges to boglehead views are great for learning, and i wish there were more of them. just like people going to financial advisors only hear one side of the story, so too do readers on this forum (not an equal comparison i know). good read.
by boglephreak
Fri Sep 23, 2016 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Evicting a tenant-Hire lawyer?
Replies: 200
Views: 35569

Re: Evicting a tenant-Hire lawyer?

Question to those following. As of now, I'm tossing around the idea of suing for money damages. Currently, my lawyer is estimating a cost of about $1K to file, win, and enforce a money judgment. We expect the judgment to be valued at $6k. Being that the property is located in NC, I cannot garnish t...
by boglephreak
Wed Sep 21, 2016 7:15 pm
Forum: Personal Consumer Issues
Topic: How is your experience about buying home in SF bay area?
Replies: 18
Views: 3720

Re: How is your experience about buying home in SF bay area?

Are you satisfying with it? Is there any pros and cons? Do you feel it was a good decision ? Overall, was buying home make you happier? i have purchased three homes in the SF Bay Area since 2006; two since 2011. my first purchase is not worth what i paid for it (literally, not figuratively), but i ...
by boglephreak
Wed Sep 21, 2016 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Evicting a tenant-Hire lawyer?
Replies: 200
Views: 35569

Re: Evicting a tenant-Hire lawyer?

Question to those following. As of now, I'm tossing around the idea of suing for money damages. Currently, my lawyer is estimating a cost of about $1K to file, win, and enforce a money judgment. We expect the judgment to be valued at $6k. Being that the property is located in NC, I cannot garnish t...
by boglephreak
Thu Sep 15, 2016 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Personal liability claim via homeowners? What's the process like?
Replies: 7
Views: 1330

Re: Personal liability claim via homeowners? What's the process like?

It's that time of year for me to go through all my insurance policies and determine if the coverage is adequate. I have enough personal liability to cover all my assets (and then some, just in case), but I am curious how personal liability claims are handled for homeowners. One of my friends absolu...
by boglephreak
Thu Sep 15, 2016 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Tenant wants to leave on short notice. Can they?
Replies: 45
Views: 9491

Re: Tenant wants to leave on short notice. Can they?

seems your mother created an ambiguity in the language. but, it does automatically renew and require 60 days' notice so i think they are on teh hook for 60 days. note, specific terms in contract trump general terms, but handwritten terms generally trump printed terms. your state's contract interpret...
by boglephreak
Mon Sep 12, 2016 5:24 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12575
Views: 2177034

Re: U.S. stocks in freefall

i was hoping to buy on a further dip today, but, alas, it recovered mostly.... probably for the best since my contribution today only makes a small portion of the money i already have in it.
by boglephreak
Mon Sep 12, 2016 1:18 pm
Forum: Investing - Theory, News & General
Topic: ["Ignore Forecasts. They're Usually Wrong."]
Replies: 19
Views: 2695

Re: A look at one guru's forecasts

as far as I am concerned, you could have ended that article with the SEC result. wow!
by boglephreak
Fri Sep 09, 2016 4:04 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle on Bloomberg 9-9-16
Replies: 15
Views: 2561

Re: Jack Bogle on Bloomberg 9-9-16

he says that with a PE of 40-50 that investors should be nowhere near the stock market. i think i have heard of him say something similar back in the 2000s before the bust. is that not a form of market timing? Well, yes, but those levels make it to where the markets aren't behaving like investments...
by boglephreak
Fri Sep 09, 2016 4:03 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle on Bloomberg 9-9-16
Replies: 15
Views: 2561

Re: Jack Bogle on Bloomberg 9-9-16

he says that with a PE of 40-50 that investors should be nowhere near the stock market. i think i have heard of him say something similar back in the 2000s before the bust. is that not a form of market timing? Wouldn't that depend on whether you are buying or selling? I listened to the 18+minute in...
by boglephreak
Fri Sep 09, 2016 3:20 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle on Bloomberg 9-9-16
Replies: 15
Views: 2561

Re: Jack Bogle on Bloomberg 9-9-16

he says that with a PE of 40-50 that investors should be nowhere near the stock market. i think i have heard of him say something similar back in the 2000s before the bust. is that not a form of market timing?
by boglephreak
Fri Sep 09, 2016 2:19 pm
Forum: Investing - Theory, News & General
Topic: Wall St. Nuclear Meltdown
Replies: 62
Views: 11615

Re: Wall St. Nuclear Meltdown

i was going to buy next Friday, but maybe i should buy today or Monday instead. hmmmm.

so what happened to cause this meltdown?
by boglephreak
Thu Sep 08, 2016 1:08 pm
Forum: Investing - Theory, News & General
Topic: Simplifying portfolio for less involved spouse?
Replies: 19
Views: 3305

Re: Simplifying portfolio for less involved spouse?

i use a simple three fund portfolio. when i initially set it up, i talked with my spouse about asset allocation (she wanted 100/0, i wanted 90/10) and U.S. vs. int'l (she wanted 100/0, i wanted 80/20). i convinced her to do a 70 (US equities) : 20 (int'l equities) : 10 (bonds). every time i have mad...
by boglephreak
Thu Sep 08, 2016 12:18 pm
Forum: Investing - Theory, News & General
Topic: Wall Street's Latest Retail Fleecing Product Exposed – Structured CDs
Replies: 20
Views: 3080

Re: Wall Street's Latest Retail Fleecing Product Exposed – Structured CDs

GS Momentum Builder Multi-Asset 5 ER Index-Linked Certificate of Deposit Due 2021
my personal belief is that if something looks complicated, i dont need it. is it standard for CDs to have names like this? because this seems way too complicated.
by boglephreak
Wed Sep 07, 2016 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Need Advice... Girlfriend and I are looking to buy our first home in Denver (super hot seller's market)
Replies: 80
Views: 7663

Re: Need Advice... Girlfriend and I are looking to buy our first home in Denver (super hot seller's market)

there are rules and presumptions that married people have that daters dont. i am not sure why this is a disputed issue. If my partner and I split up, how will our house be treated differently than if we were getting a divorce? the question is too open ended to answer. Correct. Yet many people on th...
by boglephreak
Wed Sep 07, 2016 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Need Advice... Girlfriend and I are looking to buy our first home in Denver (super hot seller's market)
Replies: 80
Views: 7663

Re: Need Advice... Girlfriend and I are looking to buy our first home in Denver (super hot seller's market)

there are rules and presumptions that married people have that daters dont. i am not sure why this is a disputed issue. If my partner and I split up, how will our house be treated differently than if we were getting a divorce? the question is too open ended to answer. the biggest difference between...
by boglephreak
Wed Sep 07, 2016 1:45 am
Forum: Personal Finance (Not Investing)
Topic: Need Advice... Girlfriend and I are looking to buy our first home in Denver (super hot seller's market)
Replies: 80
Views: 7663

Re: Need Advice... Girlfriend and I are looking to buy our first home in Denver (super hot seller's market)

my friend bought a house with her bf. then they broke up. then they had to sell the house in a buyer's market. it was bad. i would not buy a house with a gf. I bought a house with my first wife. Then we got divorced and had to sell the house for less than we paid for it. so you had the protections ...
by boglephreak
Tue Sep 06, 2016 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Need Advice... Girlfriend and I are looking to buy our first home in Denver (super hot seller's market)
Replies: 80
Views: 7663

Re: Need Advice... Girlfriend and I are looking to buy our first home in Denver (super hot seller's market)

my friend bought a house with her bf. then they broke up. then they had to sell the house in a buyer's market. it was bad. i would not buy a house with a gf. I bought a house with my first wife. Then we got divorced and had to sell the house for less than we paid for it. so you had the protections ...
by boglephreak
Tue Sep 06, 2016 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Unethical to chase transfer bonuses?
Replies: 52
Views: 6267

Re: Unethical to chase transfer bonuses?

tell ML what Fidelity offered you, and allow them to meet it to keep you at their business. then the choice (and "ethics" issue) is their's, not your's. btw, unless ML put conditions on teh transfer (i.e., have to stay with them a certain amount of time), there is nothing unethical about going back ...
by boglephreak
Tue Sep 06, 2016 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Need Advice... Girlfriend and I are looking to buy our first home in Denver (super hot seller's market)
Replies: 80
Views: 7663

Re: Need Advice... Girlfriend and I are looking to buy our first home in Denver (super hot seller's market)

my friend bought a house with her bf. then they broke up. then they had to sell the house in a buyer's market. it was bad. i would not buy a house with a gf.
by boglephreak
Sat Sep 03, 2016 2:02 pm
Forum: Investing - Theory, News & General
Topic: Vanguard "Fund" to "Trust"
Replies: 10
Views: 2300

Re: Vanguard "Fund" to "Trust"

. The following links to an explanation of a collective trust vs mutual fund by Harry Sit, The Finance Buff, who posts here as TFB: https://thefinancebuff.com/collective-trust-vs-mutual-fund-whats-the-difference.html thanks for the link! i read through it and understand it better now. i have also f...