Search found 647 matches

by EyeYield
Sun Dec 11, 2016 8:49 pm
Forum: Investing - Theory, News & General
Topic: Wash Rule and Buying/Selling Bond Funds
Replies: 7
Views: 945

Wash Rule and Buying/Selling Bond Funds

I have buy orders placed for AGG - iShares Core US Aggregate Bond, starting at $107.70 and going down in ten cent increments to $107.00. An entertaining game of market timing and I doubt many/any orders will get filled, because I think the hike is priced in, but in case there's a blip I want to be p...
by EyeYield
Sat Dec 10, 2016 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance without knowing income
Replies: 31
Views: 4154

Re: Health Insurance without knowing income

Am I paying more for insurance through a broker than I would buying directly on coveredca.com? I like the service a broker provides but I was under the impression that they didn't add any cost to the policies I buy through them. Yes they do, because they can only sell you a regular policy. If you w...
by EyeYield
Sat Dec 10, 2016 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance without knowing income
Replies: 31
Views: 4154

Re: Health Insurance without knowing income

OP, I'm wondering why you are going to a broker when you live in California and may quality for a subsidy? Have you tried here: http://www.coveredca.com/ I'm in my third year on the ACA and I've always gone through Covered California and have always estimated my income; and I've always estimated wro...
by EyeYield
Thu Dec 08, 2016 10:38 pm
Forum: Investing - Help with Personal Investments
Topic: Are Bonds a Good Investment Now?
Replies: 35
Views: 6377

Re: Are Bonds a Good Investment Now?

Re: Are Bonds a Good Investment Now? For me, something like the Total Bond Fund is the BEST investment NOW and I'm buying. Set aside for a moment that December is my annual TLH month and that my portfolio has an increased equity position due to the recent run up in stocks, putting my AA out of balan...
by EyeYield
Mon Dec 05, 2016 11:15 am
Forum: Investing - Help with Personal Investments
Topic: Given EE bonds - what to do?
Replies: 12
Views: 1877

Re: Given EE bonds - what to do?

Regarding the 1998 1.31% bond, will that stay a consistent 1.31% return? (I don't know enough about bonds to know why most are 4% while that one is 1.31%) I believe it was in '97 when EE bonds went "variable", at least that's when I stopped buying them. Your 1998 bond is now tied to Treasury yields...
by EyeYield
Wed Nov 30, 2016 1:00 pm
Forum: Personal Consumer Issues
Topic: FIRE how do you live now
Replies: 56
Views: 8593

Re: FIRE how do you live now

OP, maybe if you edit your first post and substitute the word "you" for the phrase "most of us", you'll better reach your target audience and your thread won't get side tracked. :D

I have become a full time Boglehead, attempting to pass on what I have learned. And I swim 4000 yards every other day.
by EyeYield
Mon Nov 28, 2016 10:16 pm
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 335
Views: 66793

Re: Retreat to cash

One response on capital gain tax has reminded me to spread sales in taxable accounts over 2016 and 2017. I've put in sale orders for half of my investments in taxable accounts and all in non-taxable. After year-end, I’ll do the sells for the remaining taxable accounts. It looks like tax implication...
by EyeYield
Thu Nov 24, 2016 12:54 pm
Forum: Investing - Theory, News & General
Topic: Bogle Biography?
Replies: 16
Views: 2485

Re: Bogle Biography?

I've now watched many videos with Mr. Bogle and have read many articles involving him, including this recent interview: https://www.bloomberg.com/features/2016-jack-bogle-interview/ This man is incredible! His mind seems sharper than those of most 25-year-olds. Is there a good biography--old, new, ...
by EyeYield
Tue Nov 22, 2016 3:01 pm
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 335
Views: 66793

Re: Retreat to cash

I have been seriously considering getting out of the equity and bond markets and retreating to cash during the next year. Essentially betting that returns will be negative or less than 1%. I’m a long time investor and have never been scared off before,) Let's break this down; in another post you st...
by EyeYield
Sat Nov 19, 2016 3:08 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle says Fidelity will be sold in 5 years...
Replies: 37
Views: 9376

Re: Jack Bogle says Fidelity will be sold in 5 years...

Ok, I'll speculate. If Fidelity gets bought, it will probably be by BlackRock, who already seems to be forming an alliance with Fidelity by offering a slew of ETF's that can be traded for free at Fidelity.

And they're big enough.

Would a sale be actionable for the retail investor? Not in my opinion.
by EyeYield
Mon Nov 14, 2016 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds suck
Replies: 46
Views: 9198

Re: Bonds suck

Which bond fund are you investing in? My bond fund (FIJEX) is up 5.72% YTD. AGG. YTD is 4.84%, but Fidelity is saying my total gain/loss is -2.27%. Looking back, I see I first bought on 3/8/16. They were higher than compared to 1/1/16, so I guess that explains it. This account isn't my main retirem...
by EyeYield
Thu Nov 03, 2016 10:09 pm
Forum: Personal Consumer Issues
Topic: Honey
Replies: 27
Views: 4643

Re: Honey

Have you tried Manuka honey? I've only used it in my Fresh Green Yerba Mate, Sencha Green Tea, American Ginseng, Echinacea Purpurea and Echinacea Angustifolia combination, but, for me, it adds a good flavor tilt.

Manuka also has many supposed medicinal qualities. It's not cheap though.
by EyeYield
Fri Sep 23, 2016 2:48 pm
Forum: Investing - Theory, News & General
Topic: The Trouble with "Buy and Hold"
Replies: 144
Views: 17270

Re: The Trouble with "Buy and Hold"

What Market Timers are suggesting is that, say, with a simple market timing system, you can approach the absolute returns achieved with Buy and Hold while slashing your risk (defined as volatility) in half. And in fact, backtesting back to the early 1970s has confirmed this. Where? I have seen no d...
by EyeYield
Tue Sep 20, 2016 12:45 pm
Forum: Personal Consumer Issues
Topic: Best (Available)Red Wine for under $15 preferrably under $10
Replies: 110
Views: 32611

Re: Best (Available)Red Wine for under $15 preferrably under $10

I thought a Bogleheads search for Apothic Inferno would yield some results, but this is the closest thread that came up. I tried it last night and will buy some more if it's still available. Very unique, even among other "whiskey barreled" reds. I can imagine that many wine connoisseurs will absolut...
by EyeYield
Sun Sep 18, 2016 1:21 pm
Forum: Investing - Theory, News & General
Topic: Never invest in ....... ?
Replies: 53
Views: 7477

Re: Never invest in ....... ?

.......Tulips!

But that's just me. I got scared out of the tulip market after the tulip bubble burst in 1637.
by EyeYield
Wed Jun 22, 2016 11:53 am
Forum: Investing - Help with Personal Investments
Topic: Will there ever be a better time to sell off my international stake?
Replies: 35
Views: 4324

Re: Will there ever be a better time to sell off my international stake?

I want to move all of my assets into VTSAX, and righ now
Why? Do you feel you are too diversified?

You could have just as easily asked, "WILL THERE EVER BE A WORSE TIME TO SELL OFF MY INTERNATIONAL STAKE?" A question that would be just a as valid, if not more so.
by EyeYield
Sun Jun 12, 2016 1:47 pm
Forum: Investing - Theory, News & General
Topic: Advisor tells the truth
Replies: 33
Views: 5367

Re: Advisor tells the truth

I'm going to be posting in the Help forum for a friend, when I get all their information, but this is their advisor managed account compared to an S&P 500 index fund (I know the S&P is not an apples to apples comparison to these funds). For this wonderful performance my friend pays 1.5%. My friend h...
by EyeYield
Wed Jun 08, 2016 8:58 pm
Forum: Investing - Theory, News & General
Topic: What are your friends saying about you?
Replies: 127
Views: 15513

Re: What are your friends saying about you?

My friends have been known to tell each other that they are sick of me preaching about how uninformed they are, paying a 1.5% wrap fee to their broker, not knowing what investments their broker is buying with their money. Their broker is there to make them money and they trust him/her, so what could...
by EyeYield
Wed Jun 01, 2016 9:52 pm
Forum: Personal Consumer Issues
Topic: Verizon Made A Mistake, Now My Plan Is Gone Forever.
Replies: 9
Views: 2818

Re: Verizon Made A Mistake, Now My Plan Is Gone Forever.

Update: Just in case this may help someone in the future. After going back and forth with my local Verizon stores for two weeks and getting nowhere, I gave up on them. On May 4th I took the advice of mwm158 (thanks mwm158) and filed a complaint with the FCC about my problem. On May 5th I received a ...
by EyeYield
Tue May 24, 2016 9:43 pm
Forum: Investing - Theory, News & General
Topic: What was your first investment?
Replies: 117
Views: 8265

Re: What was your first investment?

Coca Cola KO - 10 Shares - My first DRIP certificate, bought sometime in the mid '60's - Jt Ten with my mom at her suggestion.
Sentimentally in my safety deposit box, still reinvesting the divs.
Haven't added to it in years.

Or was it Allied Chemical? - Bought them both in the same time frame.
by EyeYield
Sun May 15, 2016 10:18 pm
Forum: Investing - Theory, News & General
Topic: Jim Cramer doesn’t beat the market
Replies: 96
Views: 15949

Re: Jim Cramer doesn’t beat the market

The main purpose of his show, and shows like it, is to please the advertisers who are mostly brokerages who make $7.95 a trade times millions. When he recommends buying or selling, cash registers ring.
by EyeYield
Thu Apr 28, 2016 5:55 pm
Forum: Investing - Theory, News & General
Topic: Selling in May and Walking Away?
Replies: 106
Views: 12379

Re: Selling in May and Walking Away?

Sell in May, May 19th, and buy on August 25th. Oh, never mind, that was last year. :oops: Sell in May and pay, pay, pay, capital gains taxes. Get back in in November, lose two quarters of dividends and probably be where you were in May, maybe higher, maybe lower. What's the point? Chasing possible f...
by EyeYield
Fri Apr 22, 2016 10:14 pm
Forum: Investing - Theory, News & General
Topic: James Dale Davidson's prediction of 2016 collapse
Replies: 46
Views: 23287

Re: James Dale Davidson's prediction of 2016 collapse

OP, You've just crossed over into the financial noise zone. It's huge, it's dark and can have devastating long term side effects on your mental, and emotional health, not to mention your wealth. Be forewarned. Here's another guy who has predicted gloom and doom several times a month for the last 7 y...
by EyeYield
Wed Apr 20, 2016 4:18 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10165
Views: 1790053

Re: U.S. stocks in freefall

Either outcome is good for the Bogleheads. If the markets continue to steamroll up, your IRA's will be worth more, my cash will be eaten away by inflation and you can tell me how wrong and foolish I am, and if the markets correct, it will present a great buying opportunity for you to buy more and b...
by EyeYield
Wed Apr 20, 2016 1:16 pm
Forum: Personal Consumer Issues
Topic: Verizon Made A Mistake, Now My Plan Is Gone Forever.
Replies: 9
Views: 2818

Re: Verizon Made A Mistake, Now My Plan Is Gone Forever.

I had a somewhat similar situation with T-Mobile a few years ago. Basically, they put me on a new plan without asking me. It was for the same cost per month but I wasn't getting as much data or minutes as I had been. I called T-Mobile up and complained and they apologized for what happened but said...
by EyeYield
Wed Apr 20, 2016 12:07 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10165
Views: 1790053

Re: U.S. stocks in freefall

a once in a lifetime buying opportunity is coming. There's only one opportunity of a lifetime. Start early, invest consistently and let compounding do it's thing over YOUR lifetime. You're not alone. There isn't anyone who can totally escape their own psychology. Ignoring the noise industry, and it...
by EyeYield
Tue Apr 19, 2016 10:09 pm
Forum: Personal Consumer Issues
Topic: Verizon Made A Mistake, Now My Plan Is Gone Forever.
Replies: 9
Views: 2818

Verizon Made A Mistake, Now My Plan Is Gone Forever.

I think my options are few, but maybe the collective wisdom of the Bogleheads know better. Here's the situation. I signed up for a pre pay plan about 17 years ago, called Free Up. Unused minutes rolled over as long as I added minutes before time ran out. I routinely had to add $30 every 90 days to k...
by EyeYield
Mon Apr 11, 2016 9:54 pm
Forum: Personal Consumer Issues
Topic: Sport players Cards (Football, Baseball, Basketball), anyone collect?
Replies: 52
Views: 5666

Re: Sport players Cards (Football, Baseball, Basketball), anyone collect?

I don't collect, but I treasure my grandma's collection she gave me around 1962 Several years ago I sought out information on all her cards and was aided by the host of net54baseball, Leon, who's a very honest guy. It's to cards what Bogleheads is to investing. If you have a question about cards, es...
by EyeYield
Fri Apr 08, 2016 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Investing in Index Funds and Living off of Dividends?
Replies: 25
Views: 4829

Re: Investing in Index Funds and Living off of Dividends?

I might be paranoid, but I don't link my accounts with each other, so I just have a check sent once a year. My strategy is to live this year from the dividends earned last year. That way I'm pulling funds from a known market and using them in the current market. Things can change fast and I feel I'm...
by EyeYield
Sat Apr 02, 2016 11:59 am
Forum: Personal Consumer Issues
Topic: Temporary (air mattress type) bed recommendations
Replies: 13
Views: 1076

Re: Temporary (air mattress type) bed recommendations

Probably overkill for what you need, but I've sleeping on one of these for over 30 years and, for me, nothing compares.
http://www.newworldmfg.com/airbeds.htm
Great company.
by EyeYield
Fri Apr 01, 2016 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Major Insurer Pulls a Fast One [Prudential changes terms for LTC inflation protection]
Replies: 4
Views: 1131

Re: Major Insurer Pulls a Fast One

LTC might be the biggest hole in my financial future in the sense I have a hard time figuring out what to do about it. Can't decide if it's a good product for me or not, or if there are solid, reputable policies out there. But being unmarried I'm thinking I'll forgo it and risk a somewhat smaller e...
by EyeYield
Thu Mar 31, 2016 7:52 pm
Forum: Investing - Theory, News & General
Topic: VCORX
Replies: 6
Views: 1190

Re: VCORX

Jaxfann wrote:Does any one know why when I enter above symbol (Vanguard's new Admiral Core Bond Fund" into "Yahoo Finance" it shows me today's return for Van Kampen Core Growth fund?
Yahoo is not the most reliable....well, anything.

Try Morningstar, it shows up fine there.
by EyeYield
Sat Mar 26, 2016 11:59 am
Forum: Investing - Theory, News & General
Topic: You cannot make money old fashioned way in this market
Replies: 25
Views: 6343

Re: You cannot make money old fashioned way in this market

Yes, the article is one of the sillier examples of saying nothing while sounding as if one is saying something. But to return to the original post, what I'm not seeing anywhere in the article is anything to the effect that "You cannot make money old fashioned way in this market... the only way to m...
by EyeYield
Wed Mar 23, 2016 12:00 pm
Forum: Investing - Theory, News & General
Topic: ‘Rich Dad’ author says the 2016 market collapse is coming
Replies: 53
Views: 11147

Re: ‘Rich Dad’ author says the 2016 market collapse is coming

Economic collapse predicting is a growth industry that scares people into buying all kinds of "stuff" to prepare for various forms of Armageddon. According to one prediction, the global economic collapse has already happened - it's all over. This was reported on July 15th 2015. https://shar.es/1YtGf...
by EyeYield
Mon Mar 07, 2016 2:22 pm
Forum: Investing - Theory, News & General
Topic: Living on dividend and interest a question
Replies: 30
Views: 2650

Re: Living on dividend and interest a question

One other caveat for this discussion lets not consider any tax implication. It's all about the taxes, but I won't consider that. In retirement I have two choices: a) live off the divs/distributions. b) reinvest divs/distributions and sell assets. b) involves trading costs, so I choose a) But it's r...
by EyeYield
Wed Mar 02, 2016 9:22 pm
Forum: Investing - Theory, News & General
Topic: What is John Bogle's best book?
Replies: 25
Views: 8613

Re: What is John Bogle's best book?

I've read many of Mr. Bolgle's books on investing and they're all worth reading, but once you get tired of reading about investing, I recommend "The Clash of the Cultures", a book about Jack's experience in the financial industry itself and what he's learned from it. What I learned from reading it, ...
by EyeYield
Mon Feb 29, 2016 3:18 am
Forum: Investing - Theory, News & General
Topic: Selling all equities, discuss why I'm wrong. :)
Replies: 289
Views: 45206

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: 289
Views: 45206

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: 3807

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: 3807

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: 3807

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: 10525

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 free fall
Replies: 10165
Views: 1790053

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 free fall
Replies: 10165
Views: 1790053

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: 2063

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: 12335

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: 2620

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: 9384

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: 42999

Re: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST

2326.55 - Same optimistic guess as last year.