Search found 610 matches

by EyeYield
Mon Feb 29, 2016 3:18 am
Forum: Investing - Theory, News & General
Topic: Selling all equities, discuss why I'm wrong. :)
Replies: 278
Views: 39993

Re: Selling all equities, discuss why I'm wrong. :)

visualguy wrote:
EyeYield wrote: What is your plan?
It looks like his plan is to avoid losing his hard-earned money in the stock market...
That's his plan? Then he's in the wrong forum and should stay out of the stock market.

Saving, investing and retiring is not for everybody.
by EyeYield
Mon Feb 29, 2016 2:05 am
Forum: Investing - Theory, News & General
Topic: Selling all equities, discuss why I'm wrong. :)
Replies: 278
Views: 39993

Re: Selling all equities, discuss why I'm wrong. :)

Two month update: My cash and bond portfolio is now up +4.6% as compared to Vanguard Life Strategy Growth from Sept 1st, when I sold all my equities. (me: + 0.4%, LfStrat: -4.2%) I'm still happy with my decision and will not buy back in yet. There's certainly been some ups and downs over the past t...
by EyeYield
Tue Feb 23, 2016 2:01 pm
Forum: Investing - Theory, News & General
Topic: Managed accounts beat DIY investor
Replies: 33
Views: 3719

Re: Managed accounts beat DIY investor

hnzw rui wrote: My recipe is not to listen to the noise at all. :P
Isn't reading it and posting about it the same thing as hearing it? :P
by EyeYield
Tue Feb 23, 2016 12:33 pm
Forum: Investing - Theory, News & General
Topic: Managed accounts beat DIY investor
Replies: 33
Views: 3719

Re: Managed accounts beat DIY investor

The takeaway? My take away is that the link between your money and your brain is inescapable for humans. The best we can do is develop a strong discipline by exposing ourselves to as much noise as possible and ignoring it until that ignoring becomes second nature. That's just my personal recipe. St...
by EyeYield
Mon Feb 22, 2016 11:01 pm
Forum: Investing - Theory, News & General
Topic: Managed accounts beat DIY investor
Replies: 33
Views: 3719

Re: Managed accounts beat DIY investor

Today I met with our new Valic rep who sells 403(b) accounts. We had a good conversation and at an opportune moment I told him I was a Boglehead and I believe in passive indexing. He told me "research" that those that have an advisor-managed account perform better than the DIY investor due to the e...
by EyeYield
Thu Feb 18, 2016 10:04 pm
Forum: Investing - Theory, News & General
Topic: Extreme saving with low returns - not worth it?
Replies: 71
Views: 10344

Re: Extreme saving with low returns - not worth it?

I know its not a one size fits all situation but I'm starting to think that extreme saving is not worth it for myself. The reason is because low expected returns and taxes, and low safe withdrawal rates wouldn't enable me to retire that much sooner. I'm not going to go on a huge shopping spree but ...
by EyeYield
Thu Feb 11, 2016 2:55 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6549
Views: 1403380

Re: U.S. stocks in freefall

Cash is a position too, IMHO, and I have a position in cash, which is getting killed by my bond position. Where's the, "why not 100% bonds" thread? :) Cash, outside of an emergency fund, always seems to lose to some other asset class. http://s23.postimg.org/bneozd7pn/Untitled.png http://quote.morni...
by EyeYield
Thu Feb 11, 2016 1:34 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6549
Views: 1403380

Re: U.S. stocks in freefall

Cash is a position too, IMHO, and I have a position in cash, which is getting killed by my bond position. Where's the, "why not 100% bonds" thread? :)
Cash, outside of an emergency fund, always seems to lose to some other asset class.
by EyeYield
Tue Jan 26, 2016 9:43 pm
Forum: Investing - Help with Personal Investments
Topic: HELP - need advisor-leaving advice quick...
Replies: 20
Views: 1977

Re: HELP - need advisor-leaving advice quick...

Been there. I know how frustrating it is to suddenly realize how many fees, loaded funds, high expense ratios, 12b-1 fees, etc, that you were sold for so long, before you got Boglecated. Relax, take it slow, you'll be fine. Be aware that some brokerages don't handle some fund families, so you may ne...
by EyeYield
Mon Jan 25, 2016 2:06 pm
Forum: Investing - Help with Personal Investments
Topic: Think my future father in law is giving the wrong advice to my fiance..what should i do?
Replies: 111
Views: 12068

Re: Think my future father in law is giving the wrong advice to my fiance..what should i do?

OP - You’ve made your investment philosophy known; I’d just go about your regularly scheduled program of life and not mention it again. There’s a likelihood that, in time, she will take a look at the difference between the two suggested portfolios and mention that she wished she would have listened ...
by EyeYield
Fri Jan 15, 2016 10:29 pm
Forum: Investing - Help with Personal Investments
Topic: [New Member] Picking a stock
Replies: 28
Views: 2488

Re: [New Member] Picking a stock

I've always been a big fan of experiential learning - I really just want to test out the markets Good news! All the tests and experimenting have already been done for you. Read the suggested reading on the wiki. As for individual stocks, go for it and have yourself a ball. But first, build a core p...
by EyeYield
Thu Jan 14, 2016 10:45 pm
Forum: Investing - Theory, News & General
Topic: What would you tell your 25 yr old self?
Replies: 99
Views: 9185

Re: What would you tell your 25 yr old self?

Boy, you're having a good time, I could never do those things now. How did you ever find the discipline to send $25 to one of your DRIPs when you were homeless?
by EyeYield
Fri Jan 01, 2016 8:23 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST
Replies: 667
Views: 39972

Re: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST

2326.55 - Same optimistic guess as last year.
by EyeYield
Sat Dec 26, 2015 11:08 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house: Am I making a bad decision?
Replies: 45
Views: 5805

Re: Buying a house: Am I making a bad decision?

This dog is 12 years old with a 14-16 year life span; I rescued her when I was in college and love her dearly. I'm willing to make the concession of a doggy door for her. She will not be re-homed, I have made a commitment to her. Besides, what would I do with all of our matching sweaters? :wink: I ...
by EyeYield
Thu Oct 22, 2015 9:16 pm
Forum: Personal Consumer Issues
Topic: Guilty pleasures?
Replies: 123
Views: 16903

Re: Guilty pleasures?

Kazper: My "guilty pleasure" is overtipping. During much of my life, raising three children, we could not afford more than the customary tip--even when service was excellent. In recent years (thanks to Jack Bogle) I can afford to give a large tip when I receive above-average service. It gives me pl...
by EyeYield
Thu Oct 22, 2015 4:44 pm
Forum: Investing - Theory, News & General
Topic: Selling all equities, discuss why I'm wrong. :)
Replies: 278
Views: 39993

Re: Selling all equities, discuss why I'm wrong. :)

Let's forget where the market is today. Let's assume that the market is exactly where it was when the equities were sold. A more definitive metric would be what percentage of the total equaties converted to cash were trading costs, capital gains taxes and missed dividends. Personally, if I sold all ...
by EyeYield
Thu Oct 01, 2015 12:58 am
Forum: Personal Consumer Issues
Topic: Nisiprius Investments Launches Yet Another Innovative Fund
Replies: 64
Views: 11325

Re: Nisiprius Investments Launches Yet Another Innovative Fund

the voice dropping a musical fifth on the last word of every sentence.
It may be some kind of fifth, but it's not musical. :D
by EyeYield
Wed Sep 30, 2015 11:47 pm
Forum: Personal Consumer Issues
Topic: Martial arts for beginner adults
Replies: 45
Views: 4831

Re: Martial arts for beginner adults

Since you've already started BJJ, I'll just make a few observations. First, as has been mentioned, it's the instructor. Learning the proper technique will stay with you forever. Learning a "lesser than" technique may eventually cause injuries. Pick a practice that suits your existing physical traits...
by EyeYield
Sun Sep 27, 2015 11:42 am
Forum: Personal Consumer Issues
Topic: Nisiprius Investments Launches Yet Another Innovative Fund
Replies: 64
Views: 11325

Re: Nisiprius Investments Launches Yet Another Innovative Fund

The Nisiprius Optimum Blended Universal Index Fund sounds pretty good, but it lacks the word Strategic in it's name, so it can't be that good.
by EyeYield
Thu Sep 17, 2015 5:52 pm
Forum: Investing - Theory, News & General
Topic: Decided to try timing the market. 100% short on 9/17/15
Replies: 353
Views: 59121

Re: Decided to try timing the market. 100% short on 9/17/15

I know, I know, heresy coming from an avid fan of Bogle, indexing, low fees, and detractor of all overpaid middlemen! However, I have done a my due diligence, read the white papers, and my own backtesting is compelling enough to not ignore. To that end, I have decided to follow the moving average s...
by EyeYield
Wed Sep 16, 2015 1:06 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6549
Views: 1403380

Re: U.S. stocks in freefall

The problem with this site is that people fact check and hold you accountable for what you say... And they are willing to tease you about it... The problem isn't the fact checking. As for the teasing, consider the amount of people holding back after being taunted by a fortune teller and you'll see ...
by EyeYield
Tue Sep 15, 2015 6:36 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6549
Views: 1403380

Re: U.S. stocks in freefall

The problem with this site is that people fact check and hold you accountable for what you say... And they are willing to tease you about it... The problem isn't the fact checking. As for the teasing, consider the amount of people holding back after being taunted by a fortune teller and you'll see ...
by EyeYield
Mon Sep 14, 2015 10:10 pm
Forum: Personal Consumer Issues
Topic: McDonald's has good coffee: McDonalds has Senior Coffee
Replies: 92
Views: 17342

Re: McDonald's has good coffee: McDonalds has Senior Coffee

I learn something new here almost everyday. I haven't been in MD's for 20 years, but I guess I'll have to try the coffee. The only problem is, I need my coffee in order to leave the house without stumbling. :oops: That reminds me, National Coffee Day is coming up 9/29, I believe, and you can get a f...
by EyeYield
Sun Sep 13, 2015 1:51 am
Forum: Investing - Theory, News & General
Topic: When Do People Actually Claim Social Security?
Replies: 105
Views: 9283

Re: When Do People Actually Claim Social Security?

What you're saying is that most people have no self-discipline and can't wait for the extra candy bar. That's what I'm saying. Though I never stated most. It was just a candy bar analogy after all. 1% waiting to claim until 70? It doesn't match the percentage of those who are poor or those who don'...
by EyeYield
Sat Sep 12, 2015 1:06 pm
Forum: Investing - Theory, News & General
Topic: When Do People Actually Claim Social Security?
Replies: 105
Views: 9283

Re: When Do People Actually Claim Social Security?

I found the following in Laurence Kotlikoff's book, "Get What's Yours". At which age do people claim SS? (Data for the year 2012): 62 38% (First opportunity) 63 6% 64 7% 65 12% 66 18% (Full retirement age) DI 16% (Disability conversions for people reaching full retirement age) 67-69 2% 70+ 1% (Bene...
by EyeYield
Sat Sep 05, 2015 9:50 pm
Forum: Investing - Help with Personal Investments
Topic: Confession time.....no stocks
Replies: 60
Views: 7329

Re: Confession time.....no stocks

I really appreciate all of the thoughtful and sincere responses.I apologize for my writing style.To be honest I use...sometimes because am uncertain if I should use a comma,period or continue on with a run on sentence.I see how such a long rambling post, as some have described my long initial post,...
by EyeYield
Thu Sep 03, 2015 7:17 pm
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads Los Angeles meetings
Replies: 145
Views: 17166

Re: Bogleheads Los Angeles meetings

If you read the thread, you will see that the location was initially suggested before the group was this size. An LA Bogleheads meeting was proposed for months with almost no interest whatsoever. So there was no reason to assume that the group would grow so much so quickly. But we all know that “pa...
by EyeYield
Thu Sep 03, 2015 11:37 am
Forum: Investing - Theory, News & General
Topic: Bill Gross: cash is your best investment right now
Replies: 63
Views: 10223

Re: Bill Gross: cash is your best investment right now

He may be right, cash might be the best investment, right now. Maybe next month, he'll get some more mic time and state that the Russell 2000 value is the best investment, right now. Maybe next year he'll believe that the MSCI EAFE is the best place to invest, right now. By being diversified, you'll...
by EyeYield
Wed Sep 02, 2015 12:24 pm
Forum: Investing - Theory, News & General
Topic: Selling all equities, discuss why I'm wrong. :)
Replies: 278
Views: 39993

Re: Selling all equities, discuss why I'm wrong. :)

You're obviously not an idiot and are attempting to do your due diligence in an effort to protect your assets. However, and this is a sentence that has been quoted already, I think this is important. I see the importance of IPSs in bolstering fortitude in bad times, but when the data changes, it see...
by EyeYield
Wed Sep 02, 2015 12:33 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads Los Angeles meetings
Replies: 145
Views: 17166

Re: Bogleheads Los Angeles meetings

Eating and drinking at a popular, loud, restaurant on a Saturday night sounds like good fun, but not a very good environment for a meeting, in my opinion. There's no reservations at this place and no rooms available for private parties. How are over 14 people supposed to be together? When we were of...
by EyeYield
Thu Aug 27, 2015 12:18 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6549
Views: 1403380

Re: U.S. stocks in freefall

Wednesdays gain will provide false security. It's the calm before the storm (downward). That sounds like a prediction, but offers no specifics. Could you clarify? What time will the calm end and the storm start? In one hour, tomorrow, Monday, on the anniversary of Black Monday in October, when? Mor...
by EyeYield
Wed Aug 26, 2015 12:14 pm
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads Los Angeles meetings
Replies: 145
Views: 17166

Re: Bogleheads Los Angeles meetings

Hmmm, I mentioned possibly hosting here in the SFV, Burbank area with no feedback. It would have to be a Sat or Sun when my dad is gone allowing for at least 5-6 solid hours. BBQ available, large living room, TV for whatever. Nice house and area. Just an offer. What is a tentative agenda for these ...
by EyeYield
Tue Aug 25, 2015 8:55 pm
Forum: Investing - Theory, News & General
Topic: [spurned advisor purports there is a Vanguard] Class Action Suit?
Replies: 43
Views: 6489

Re: [spurned advisor pretends there is a Vanguard] Class Action Suit?

I feel very fortunate after reading this thread. My advisor, at the full service brokerage I left, didn't try to dissuade me from leaving or plant any gloom and doom scenarios in my head. We had a respectful face to face talk where I simply stated I wanted to do it myself and he understood. During o...
by EyeYield
Tue Aug 25, 2015 4:26 pm
Forum: Investing - Theory, News & General
Topic: A Voice of Reason in the Mainstream Press
Replies: 19
Views: 2986

Re: A Voice of Reason in the Mainstream Press

Very good article, but will the average investors it's mainly about, i.e., the investors who will not only watch CNBC and other venues of daily stock market doings, but also act on them, read it and understand it's about them? Some maybe, but probably not many. Still, if it helps some break the sho...
by EyeYield
Tue Aug 25, 2015 4:10 pm
Forum: Investing - Theory, News & General
Topic: A Voice of Reason in the Mainstream Press
Replies: 19
Views: 2986

Re: A Voice of Reason in the Mainstream Press

Mr Bogle might appear on CNBC, but I would be surprised if he watches it. Watching the market is not the same as watching CNBC. Well you might be surprised, but I seem to remember him saying he's seen some of the shows. Forgetting Jack for a moment, I watch from time to time and I can assure you th...
by EyeYield
Tue Aug 25, 2015 2:57 pm
Forum: Investing - Theory, News & General
Topic: A Voice of Reason in the Mainstream Press
Replies: 19
Views: 2986

Re: A Voice of Reason in the Mainstream Press

I found the article ludicrous because there are no redeeming qualities to CNBC whatsoever yet the article suggests there might be. Instead of stating that CNBC might be doing a disservice to investors, the article should have said unequivocally that no true investor would ever watch the show. Ever....
by EyeYield
Tue Aug 25, 2015 2:09 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6549
Views: 1403380

Re: U.S. stocks in freefall

Just take a look around the internet. There are thousands upon thousands of traders boasting that they are beating the market everyday. All with a variation of the same story and no proof. What's so hard to believe?
by EyeYield
Tue Aug 25, 2015 2:01 pm
Forum: Investing - Theory, News & General
Topic: A Voice of Reason in the Mainstream Press
Replies: 19
Views: 2986

Re: A Voice of Reason in the Mainstream Press

I found this quieting after one of the noisiest days in recent memory. http://www.latimes.com/business/hiltzik/la-fi-mh-market-turmoil-and-the-problem-of-cnbc-20150824-column.html Thanks for the info.... To an extent, I agree with the author that CNBC is really geared towards "traders" and not "inv...
by EyeYield
Tue Aug 25, 2015 11:16 am
Forum: Investing - Theory, News & General
Topic: A Voice of Reason in the Mainstream Press
Replies: 19
Views: 2986

A Voice of Reason in the Mainstream Press

I found this quieting after one of the noisiest days in recent memory. http://www.latimes.com/business/hiltzik/la-fi-mh-market-turmoil-and-the-problem-of-cnbc-20150824-column.html "The Dow is trying to stage a recovery here." That's what I heard an anchorperson say on CNBC around 9 a.m. Monday (noon...
by EyeYield
Mon Aug 24, 2015 10:34 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6549
Views: 1403380

Re: U.S. stocks in freefall

Curious, did anyone in here buy following the 1k drop? Not following. Since I am still sitting on cash left over from last Decembers TLH, I placed some ridiculously low orders last night, for shares in some of my index ETF's, just in case there was a sell off. The market dropped so fast that my ord...
by EyeYield
Sun Aug 23, 2015 9:28 pm
Forum: Investing - Help with Personal Investments
Topic: waiting on the side-lines
Replies: 17
Views: 2255

Re: waiting on the side-lines

Dollar cost averaging is a great way to invest for the risk averse. Instead of contributing to your IRA all at once, contribute automatically from your bank account once a month. You figure the amount by dividing your max contribution by 12. Investing in stocks is extremely risky in the short term, ...
by EyeYield
Mon Aug 17, 2015 9:34 pm
Forum: Investing - Theory, News & General
Topic: The Risk Quandary
Replies: 29
Views: 3283

Re: The Risk Quandary

Portfolio Visualizer is great. Someone with $1M portfolio 100% in Vanguard's 500 fund who withdrew $40k a year inflation adjusted from 2000-2015 would have $475,508 remaining $40,000 in 2000 is $55,432 in 2015 inflation adjusted dollars, if the portfolio only keeps up with inflation that's about 8....
by EyeYield
Mon Aug 17, 2015 1:03 pm
Forum: Investing - Theory, News & General
Topic: Do you believe in the Shamita?
Replies: 20
Views: 1910

Re: Do you believe in the Shamita?

I thought everybody already knew that a worldwide financial collapse is coming. Michael Snyder of The Economic Collapse Blog predicted somewhere around July 15th that a collapse will happen within 6 months. So by Feb 15th it's all over. "Financial Collapse Imminent within next 6 months Over the last...
by EyeYield
Fri Aug 14, 2015 12:39 pm
Forum: Personal Consumer Issues
Topic: Is Anybody Here An Ornithologist?
Replies: 29
Views: 2807

Re: Is Anybody Here An Ornithologist?

Thanks guys, Cooper's Hawk seems to be the correct answer. I can tell by seeing underneath their wings. I was under them as they were flying, but couldn't get a picture. I'm in So. Cal. and from the link Lady Geek provided, for some reason, in the West, these Hawks may prey on mammals. I hope that c...
by EyeYield
Thu Aug 13, 2015 9:18 pm
Forum: Personal Consumer Issues
Topic: Is Anybody Here An Ornithologist?
Replies: 29
Views: 2807

Is Anybody Here An Ornithologist?

This morning I heard the birds and squirrels going nuts in their tree, shrieking and screaming like I've never heard before. I ran out to see these two birds (Hawks?) circling the tree. http://i62.tinypic.com/10ndysp.jpg Here's the mate. http://i60.tinypic.com/259ijqo.jpg I've never seen these birds...
by EyeYield
Tue Aug 11, 2015 8:24 pm
Forum: Personal Consumer Issues
Topic: Anyone not own a Smartphone
Replies: 76
Views: 6195

Re: Anyone not own a Smartphone

63 - Old flip phone with a defunct plan that costs $10 per month and I've turned off texting. Synched via Bluetooth with my car to automatically answer on second ring, so I never have to look at it. I compliment the phone with an iPad wifi/cellular. I use wifi at home and turn on the cell plan when ...
by EyeYield
Tue Aug 04, 2015 7:40 pm
Forum: Investing - Theory, News & General
Topic: Apple & the Market:
Replies: 15
Views: 2223

Re: Apple & the Market:

Maybe some get this. Thanks. I would guess that most of us get this. Dealing with catastrophe and calamity at the same time is among the worst things a human can go through and most of us have been there. The loss of loved ones is a deep wound that takes a long time to heal. The one thing that gets...
by EyeYield
Mon Aug 03, 2015 12:15 am
Forum: Personal Consumer Issues
Topic: Swim Goggles for Near-Sighted People
Replies: 18
Views: 2483

Re: Swim Goggles for Near-Sighted People

I swim 2.272 miles every other day with contacts, under my goggles, no problem. When I first started swimming, in a pool, I only wore contacts and everything was fine, until I lost one. My eyes burned from the chorine. I was surprised how well the contacts protected me from the burn. When surfing I ...
by EyeYield
Sun Aug 02, 2015 12:48 pm
Forum: Investing - Theory, News & General
Topic: "Being Both Investment Advisor and Portfolio Manager ."
Replies: 7
Views: 899

Re: "Being Both Investment Advisor and Portfolio Manager ."

A full service investment company hires the best and brightest " brain trust" to oversee well-to-do investors portfolios, doing a myriad of financial advisor fidicuary duties and money management chores . Personal advice and " hand holding" comes part and parcel with this not inexpensive service wh...
by EyeYield
Sun Jul 19, 2015 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: Is now a decent time to buy gold? [Portfolio help]
Replies: 88
Views: 9774

Re: Is now a decent time to buy gold? [Portfolio help]

You can buy gold a lot cheaper now than when you started this thread.