Search found 1270 matches

by jimkinny
Thu Apr 29, 2010 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: I sold my house in one day
Replies: 27
Views: 5332

tomd37 wrote:The best price is the one that gets the home off your hands in the time frame you desire.

Well put.

Jim
by jimkinny
Thu Apr 29, 2010 5:14 pm
Forum: Investing - Theory, News & General
Topic: Laundry list of Percentage Losses
Replies: 4
Views: 1255

Having a plan and sticking to it seems to me the best course of action. I am going to try to quote John Bogle: "Investing in the stock is a winner's game. Trying to beat the stock market is a loser's game." I hope these are the the exact words he used but I am going from my memory, which is frail.
by jimkinny
Thu Apr 29, 2010 5:04 pm
Forum: Investing - Theory, News & General
Topic: The search for a better plan
Replies: 29
Views: 4471

Taylor, I agree with you and I too have owned a lot of Vanguard funds. Keeping things as simple as possible is for me the best plan. Having 8-12 funds in a portfolio per Larry Swedroe, Richard Ferri et al will increase a portfolio's returns and reduce risk (based upon historical data). Whether this ...
by jimkinny
Mon Apr 26, 2010 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: Lazy Portfolio for New + Lazy Investor?
Replies: 6
Views: 2049

I agree with all of the previous replies regarding doing some reading on the wiki and some books. To start on the books, first read John Bogle's common sense (paraphrased) little book and the Bogleheads guide to investing and retirement planning (2 books). If you want to learn more, then select from...
by jimkinny
Sat Apr 24, 2010 8:00 am
Forum: Investing - Help with Personal Investments
Topic: Bogle, Bernstein, Ellis, Malkiel - Conflicting Views
Replies: 42
Views: 6774

I am with Taylor Larimore on this topic. My understanding is that most of a portfolio's long term returns are based upon the stock vs bond % allocation. If you follow the consensus advice of the people you mentioned, I do not see how you can go wrong because they agree about the fundamentals.

Jim
by jimkinny
Thu Apr 22, 2010 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: REIT Index ? for Rick Ferri et al
Replies: 31
Views: 7066

I have about a 50% stock allocation and 10% of that is in Vanguard's Reit index fund. It's one year return is over 100%. That is great but in 2008 and the early part of 2009 it went down as fast and as far as it has gone up in the past year. I do not think I could stand the excitement if it were 15%...
by jimkinny
Mon Apr 12, 2010 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowner insurance deductible question
Replies: 11
Views: 2682

I agree with HueyLD on this. If you are okay taking the added risk, do so. If you are going to worry or if you will a lot of regrets if you have to come up with the !%, then pay the higher premium. If saving the extra expense seems to be a good choice now, make sure you will be okay with that choice...
by jimkinny
Mon Apr 12, 2010 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Investment for Cash Flow
Replies: 10
Views: 1816

When I was in my 20s I had extra cash flow that I invested in a rental property which was a single family house. I discovered quickly that I did not like being a landlord because of all of the issues that arise between tenants and landlords. Think about your desire to deal with past due rents, the r...
by jimkinny
Sun Apr 11, 2010 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Billing question on lab work done at a hospital?
Replies: 15
Views: 3490

I am sorry that I can not answer your specific questions but in the future simply take any lab orders given to you by the ordering doctor to any lab of your choice. There are several national labs (Quest is one) that have labs in most cities and towns. You do not have to have your blood drawn and te...
by jimkinny
Sat Apr 10, 2010 10:11 am
Forum: Personal Finance (Not Investing)
Topic: New here...
Replies: 4
Views: 990

Hi, I am a newly registered at this site also. It is a great site. I would suggest that you consider reading some (or all) of the books that you will find as a recommended reading list on the Boglehead Wiki site. The Wiki site has an lot of excellent information.

Jim
by jimkinny
Sat Apr 10, 2010 9:53 am
Forum: Investing - Help with Personal Investments
Topic: Quicken vs. Vanguard Website
Replies: 16
Views: 3824

I use Quicken and have been using it for about 5 years. I have mixed feelings about Quicken. I use it for checking, credit cards and tracking investments. I should, but do not use it to track specific lot costs but instead use Vanguard's average cost data. The biggest drawback to using Quicken is th...
by jimkinny
Wed Apr 07, 2010 11:44 am
Forum: Investing - Theory, News & General
Topic: Value investing
Replies: 34
Views: 9698

Isn't the word value a term loaded with a lot of connotations that imply good things? Value stocks/indexes have more risk and therfore the reward of ownership is derive not from underpricing of the stocks but the assumption of more risk.
by jimkinny
Mon Apr 05, 2010 11:42 am
Forum: Forum Issues and Administration
Topic: Donation campaign
Replies: 29
Views: 4985

I am a relatively new reader/viewer. I wanted to make a donation but was not 100% sure how to do so. After psoting an inquiry and receiving a reply, I made a donation. Therefore, my suggestion is to make the donating process as clear as possible, maybe as an indexed selection as opposed to only on t...
by jimkinny
Sat Apr 03, 2010 9:50 am
Forum: Investing - Help with Personal Investments
Topic: I Bonds. . .Paper or Electronic?
Replies: 35
Views: 5635

If you are comfortable using both methods, can afford it and I-bonds fit your asset allocation plan, why not do both to max out at 10K per year?
by jimkinny
Thu Apr 01, 2010 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Justifying large (recreational) purchases
Replies: 32
Views: 5001

Life is awfully short and it would be a waste of your life if you do not enjoy it. I am going to die. I know that with certainty. I just do not know when. Spend the money, if you have your personal finances in good shape.
by jimkinny
Thu Apr 01, 2010 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Annuity (SPIA) question
Replies: 16
Views: 7396

Some final words of thanks for the very informed anwers to my questions. I want everyone to know that you ansers make a difference. After further consideration of your replies to my posting, I am defintely going to change my plan: not abandon, but modify that plan based upon the advice/info in your ...
by jimkinny
Thu Apr 01, 2010 9:11 am
Forum: Forum Issues and Administration
Topic: Question re Donations to Forum
Replies: 85
Views: 14814

I may be a bit slow. I do not know how to donate. Do I go to the wiki home page and click on the donate link? or is there another way to donate to the forum. I just ordered two books from amazon after clicking on the forum link "books" and thn slecting the books from the list. I hope this gets a ref...
by jimkinny
Mon Mar 29, 2010 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Annuity (SPIA) question
Replies: 16
Views: 7396

Thank you all very much for sharing you knowledge. I really appreciate it.
I will likely change my plan based upon your replies.
by jimkinny
Sun Mar 28, 2010 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Annuity (SPIA) question
Replies: 16
Views: 7396

Annuity (SPIA) question

I have read a lot of the postings on this website and several of the books by people posting on this website. The Bogleheads Guide to retirement planning, Larry Swedroe's books and many excellent postings on this website particularly the posting that presented various senarios of using savings, SPIA...
by jimkinny
Mon Mar 22, 2010 10:43 am
Forum: Investing - Help with Personal Investments
Topic: former lurker and thanks
Replies: 2
Views: 1074

former lurker and thanks

I want to thank the people posting here for the information contained in those posts and links. I have read many of the books listed on the Wiki website and have learned a lot of very valuable information from them. I will not post very often because many of you know much more than I do. I have been...