Search found 3101 matches

by CyberBob
Mon Feb 26, 2007 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Rick Ferri has arrived!
Replies: 29
Views: 15520

Re: First Time for Everything

fire5soon wrote:Yes, but is that the geometric inflation adjusted value of that $5? :lol:
Darn, I always forget about that insidious inflation! :evil:

Okay, assuming 3% is eaten away by inflation, the newbie only makes $105. But he's still ahead! :wink:
by CyberBob
Mon Feb 26, 2007 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Rick Ferri has arrived!
Replies: 29
Views: 15520

Re: First Time for Everything

...is there spell check? The Firefox browser has built-in spell-checking. We have actually found that a number of ''newbies" have signed on here because they refuse to pay the 5 dollar sign-up fee at morningstar. If you look at it like Warren Buffet does, thinking about future value, rather than pr...
by CyberBob
Mon Feb 26, 2007 2:01 pm
Forum: Investing - Theory, News & General
Topic: Ben Stein on Real Estate Investments
Replies: 5
Views: 3778

Ben Stein on Real Estate Investments

Ben Stein Yahoo! Article wrote:Professor Robert Shiller of Yale has demonstrated, however, that over very long periods homes barely keep pace with inflation. Stocks, over very long periods, beat inflation by a large margin.
Link to full article.
by CyberBob
Mon Feb 26, 2007 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: CD's
Replies: 25
Views: 11358

Re: CD's

kramer wrote:Good question. Well, CDs are offering up to 6.0%...
Can't argue with the logic of going for a good rate.
I was just curious, because sometimes people view CD's as the entire investment world and wind up being bitten by the inflation bug.
by CyberBob
Mon Feb 26, 2007 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: CD's
Replies: 25
Views: 11358

CD's

kramer wrote:I would like to buy CDs in my IRA.
Why CD's, as opposed to bonds?
by CyberBob
Mon Feb 26, 2007 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: OT: What's your number?
Replies: 6
Views: 3728

Age

Based on my living expenses now... Yes, but how old are you now? I've noticed that my living expenses were highest in my 20's and went down in my 30's and down even further in my 40's. There is a lot of stuff you 'need' to buy when you're young, but less when you're older (except for maybe medicati...
by CyberBob
Mon Feb 26, 2007 12:49 pm
Forum: Investing - Theory, News & General
Topic: Would you DCA?
Replies: 12
Views: 4883

Re: Would you DCA?

...I am wondering if we should DCA into it. Are you asking because you are currently paralyzed into inaction for fear the market is too high and will undoubtedly collapse the day after you invest a lump sum? If so, you're probably asking the wrong question. Your question should be "How should I use...
by CyberBob
Mon Feb 26, 2007 11:56 am
Forum: Investing - Theory, News & General
Topic: Margin Debt at Highest Level Ever
Replies: 15
Views: 5888

A big amount

I would be more interested in the % of margin in use rather than the dollar amount. I didn't think of it that way, but you're absolutely correct! The actual amount probably isn't that important. Knowing the percentage difference between 2000 and now would be much more meaningful. Although the amoun...
by CyberBob
Mon Feb 26, 2007 11:33 am
Forum: Investing - Theory, News & General
Topic: Margin Debt at Highest Level Ever
Replies: 15
Views: 5888

Margin Debt at Highest Level Ever

The amount of margin debt reached $285.6 billion in January on the New York Stock Exchange. The last time margin debt hit this level was at the height of the dot-com boom in March 2000, just ahead of a two-year decline.
Link to full article at NWI.com.
by CyberBob
Mon Feb 26, 2007 9:44 am
Forum: Investing - Help with Personal Investments
Topic: CD's
Replies: 25
Views: 11358

Highest Rates

CD rates can vary quite a bit; sometimes by more than 100%! Buying from your broker is convenient, but I would probably buy from wherever I could get the best rate. Here is a link to the best CD rates from bankrate.com. Just out of curiosity, why CD's rather than a money-market fund for your short-t...
by CyberBob
Sun Feb 25, 2007 10:44 pm
Forum: Wiki and Reference Library
Topic: Books (--> Wiki)
Replies: 63
Views: 85091

Re: Reading List

Interesting discussion on different withdrawal strategies: Yes, You Can Still Retire Comfortably! - Ben Stein & Phil DeMuth A very informative read on asset allocation is: Asset Allocation - Roger C. Gibson If you only want to read one finance book in your life and want it to cover many topics but n...
by CyberBob
Sun Feb 25, 2007 10:19 pm
Forum: Forum Issues and Administration
Topic: Should this be the new diehards.org?
Replies: 23
Views: 11778

Re: Should this be the new diehards.org?

Should this be the new diehards.org Is this site sort of what you envisioned when you created Diehards.org? If so, then some sort of a combining is logical and seems quite feasible. Since Diehards.org doesn't have it's own message board, its always seemed to me to be more of just an entry point, ra...
by CyberBob
Sun Feb 25, 2007 10:05 pm
Forum: Forum Issues and Administration
Topic: Forum for New Investors
Replies: 9
Views: 4819

AshKK wrote:Phoenix pointed out that we are already #8 in a Google search for "Vanguard Diehards".
And Diehards.org is #1, so if they just put a link to over here...
by CyberBob
Sun Feb 25, 2007 2:58 pm
Forum: Forum Issues and Administration
Topic: Avatars
Replies: 22
Views: 11963

Kathy's Bird

arrete wrote:It distracts me, too. :) I'll see if I can find a still bird.
Kathy
Kathy,

How about this one?
I just took your original bird and used a graphics program to stop its motion.
Image
by CyberBob
Sun Feb 25, 2007 11:28 am
Forum: Forum Issues and Administration
Topic: Future of the Diehards?
Replies: 35
Views: 18402

Re: Mixed Feelings

Personally I'd like to see this board closed and everyone return to M*. I assume that what you really want is to just have everyone together, and I agree that it would be nice to have everyone in one place. After all, the Diehard community is really the people, not the actual place. But this board ...
by CyberBob
Sun Feb 25, 2007 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Classic Movies.
Replies: 32
Views: 15415

Classic Sci-Fi

My pick for best classic sci-fi is the 1956 movie Forbidden Planet

Image
by CyberBob
Sat Feb 24, 2007 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: poll: for the founding fathers/mothers... when pass M*?
Replies: 16
Views: 7550

Re: M*

I can view only new messages since my last visit. Cyber Bob: How do you do this? Petrocelli When you log in, look near the upper right of the screen and you will see: View posts since last visit View your posts View unanswered posts Or, if you're already logged in, just go to the index page and loo...
by CyberBob
Sat Feb 24, 2007 6:37 pm
Forum: Investing - Theory, News & General
Topic: Swensen's Moron Portfolio
Replies: 5
Views: 3766

Lots 'o REIT's

almost 4, but not quite equal parts: 30% US Stocks 20% REITs 20% Foreign Stocks 30% Bonds (He recommends short term US and TIPS) Swensen sure loves those REIT's! 20% seems like a lot to me, and in reality it's even more than that because of the REIT's in the total market index. But, I guess you can...
by CyberBob
Sat Feb 24, 2007 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: Icarra
Replies: 3
Views: 2649

Icarra

Anyone ever visited the site Icarra.com ? It's pretty interesting in that you can compare and graph different portfolio's against each other (or create your own). For example, here are two portfolio's that are often talked about: David Swensen's portfolio against the Coffeehouse portfolio . Looks li...
by CyberBob
Sat Feb 24, 2007 6:10 pm
Forum: Investing - Theory, News & General
Topic: Swensen's Moron Portfolio
Replies: 5
Views: 3766

Swensen's Moron Portfolio

Anyone ever heard of David Swensen's Moron Portfolio? It was mentioned over at M* as being A portfolio of 4 investments with 4 equal parts. The only Swensen portfolio I've ever seen is this often cited portfolio. Holdings here , full description here : 30% U.S. Stock 15% Developed International Stoc...
by CyberBob
Sat Feb 24, 2007 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: poll: for the founding fathers/mothers... when pass M*?
Replies: 16
Views: 7550

Re: M*

This IS a vast improvement. Absolutely! I can insert a chart in my message as a visual aid. I can edit a message with a typo. I can send a private message to one person without clogging the forum with a "Hey you" post. I can view only new messages since my last visit. Technically, this board is a U...
by CyberBob
Sat Feb 24, 2007 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: Sample IPS
Replies: 10
Views: 7298

Risk Tolerance is Vague

Take a look at this Sue Steven's article: I understand where Sue's going with the article, but all of the pieces don't quite seem to be there. For example, under Risk Tolerance: ...if her portfolio fell by more than 15% in one year or 3% in five years, she'd have to re-examine her securities to see...
by CyberBob
Sat Feb 24, 2007 12:26 pm
Forum: Forum Issues and Administration
Topic: Confusion Over Duplicate or Similar Member Names?
Replies: 9
Views: 4432

Taylor

I just wanted to head off any potential problems...confusing other Diehards, who thought it was Taylor Larimore. Maybe it's just me, but I never confused 'zip-code Taylor' with the 'real Taylor'. Taylor Larimore has a writing style that is quite distinctive and immediately recognizable. Also, he's ...
by CyberBob
Sat Feb 24, 2007 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: poll: for the founding fathers/mothers... when pass M*?
Replies: 16
Views: 7550

Simplicity

CyberBob, once I figure out my allocation, I want an avatar just like yours! :D It took me about 15 years worth of chasing hot funds and day-trading stocks and all kinds of self-defeating financial behavior to realize that the ultimately complex and sophisticated portfolio is utter simplicity. It's...
by CyberBob
Sat Feb 24, 2007 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: the stupidest use of excel... here's my entry
Replies: 6
Views: 3376

NIce Columns!

My favorite is to watch people around the office use a spreadsheet* to align words into columns. The only reason they use the spreadsheet is because they don't want to learn how to do it with a word processor. It's surprising how few people actually use a spreadsheet for numbers. *I say 'spreadsheet...
by CyberBob
Sat Feb 24, 2007 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Sample IPS
Replies: 10
Views: 7298

Sunny's IPS

Sunny Sarkar posted his IPS about 6 months ago over at M* . It's absolutely brilliant in its elegance and compactness: Investment Philosophy: "Buy-and-hold, long-term, all-market-index strategies, implemented at rock-bottom cost, are the surest of all routes to the accumulation of wealth" - John C....
by CyberBob
Sat Feb 24, 2007 11:30 am
Forum: Investing - Theory, News & General
Topic: Keep an Eye Out for These New Vanguard Funds
Replies: 13
Views: 6760

VGTSX vs. FTSE

Also, the fund qualifies for the foreign tax credit, which both the Total International Index and the Developed Market Index, as funds-of-funds, do not. FYI, according to figures from 2006, the cost of not being able to take the foreign tax credit for the Total International Stock index was 0.16%. ...
by CyberBob
Sat Feb 24, 2007 11:14 am
Forum: Investing - Theory, News & General
Topic: Poll: How Many Funds (Asset Classes) In Your Portfolio?
Replies: 46
Views: 25567

Many, but few

Asset classes?
Many: Large-Cap, Mid-Cap, Small-Cap, REIT's, Growth, Value, Emerging Markets, Treasuries, etc.

Actual Funds?
Few: Total Stock Index Admiral, Total Bond Index Admiral, Total International Stock Index
by CyberBob
Fri Feb 23, 2007 3:39 pm
Forum: Investing - Theory, News & General
Topic: STORY: "Value Has Held Sway Over Long Term"
Replies: 5
Views: 3326

Re: Everyone Knows

Bob, OT... I love your signature. Walden is one of my favorite books (even more than Common Sense On Mutual Funds :wink: ) Jay, I am definitely rich because of what I can afford to let alone. Long ago I decided that buying crap/stuff just wasn't at all fulfilling. Now don't get me wrong, I am far f...
by CyberBob
Fri Feb 23, 2007 3:12 pm
Forum: Investing - Theory, News & General
Topic: STORY: "Value Has Held Sway Over Long Term"
Replies: 5
Views: 3326

Everyone Knows

I'm fully sold on the value premium...My only concern is that the relative valuations of value vs growth will narrow as people chase performance thus lowering the potential premium. That's definitely a concern. The value premium seems to be accepted as gospel by most people and if everyone is tilti...
by CyberBob
Fri Feb 23, 2007 12:14 pm
Forum: Investing - Theory, News & General
Topic: Vanguard International Index Funds Tax Data
Replies: 12
Views: 5261

Foreign Tax Credit

It's interesting to note that for 2006, the inability to take the Foreign Tax Credit with the Total International Stock Index fund cost you 0.16%.

So I guess that means that the actual 'Expense Ratio' for that fund isn't just its advertised 0.32%, but 0.32%+0.16% or a total of 0.48%
by CyberBob
Fri Feb 23, 2007 11:56 am
Forum: Investing - Help with Personal Investments
Topic: Suggest a portfolio
Replies: 10
Views: 4490

An annuity wouldn't quite get her there, I don't think. I ran some numbers on that vanguard quick quote and it came out to about 1700 every 6 months. Were you using the Vanguard Lifetime Income Program immediate annuity? Just curious, because when I run a quote for a 63 year-old woman and $75k, it ...
by CyberBob
Fri Feb 23, 2007 11:43 am
Forum: Investing - Theory, News & General
Topic: S&P Launches National Home Price Index
Replies: 20
Views: 8607

National Price Index

http://img341.imageshack.us/img341/8965/homepriceindexlg5.jpg When you look at the national graph, it sure looks like the market is getting ahead of itself. Basically flat through the early '90's, and then Whoosh! From Q3 1987 to Q3 2006, the average annual national increase was 12.54%, much more t...
by CyberBob
Thu Feb 22, 2007 10:20 pm
Forum: Investing - Theory, News & General
Topic: Why not just annuitize and be done with it?
Replies: 52
Views: 18389

A-Okay

Others have listed several reasons why you might not want to annuitize all of your investments. It may not be a logical reason to dislike annuities because after all they are paying you, but I think the thing that would bug me most would be giving up control of the money. Something about the finali...
by CyberBob
Thu Feb 22, 2007 9:48 pm
Forum: Investing - Theory, News & General
Topic: Why not just annuitize and be done with it?
Replies: 52
Views: 18389

Single Vision

You stated what is probably the primry reason when you talked about leaving an inheritance. Some live a long life and the insurance company loses money on them. Some die immediately, and the insurance company makes money on these guys. Ah, then maybe I'm just looking at it from a different viewpoin...
by CyberBob
Thu Feb 22, 2007 8:15 pm
Forum: Investing - Theory, News & General
Topic: Why not just annuitize and be done with it?
Replies: 52
Views: 18389

Why not just annuitize and be done with it?

So why even bother with asset allocation decisions and rebalancing and taxable vs. non-taxable and all of that at retirement? Why not just annuitize your portfolio and be done with it? The widely accepted safe withdrawal rate from a portfolio is 4%. But, I ran some numbers at Vanguard's Lifetime Inc...
by CyberBob
Thu Feb 22, 2007 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: 50 in 3 Days!
Replies: 10
Views: 4715

New Posts Since Your Last Visit

fire5soon wrote:I much prefer these boards over M*
The option of only seeing new posts since your last visit is especially nice!

Bob
by CyberBob
Thu Feb 22, 2007 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: poll: for the founding fathers/mothers... when pass M*?
Replies: 16
Views: 7550

M*

It does seem pretty quiet at M* over the last few days...
by CyberBob
Thu Feb 22, 2007 6:02 pm
Forum: Investing - Theory, News & General
Topic: Best Investments for a Socialist America
Replies: 7
Views: 3721

No Changes For Me

...avoid big sector bets..., because you really can't tell who would be a winner or loser. Rather, make sure you are broadly diversified... Whenever I get the urge to monkey with my portfolio, in the end I always seem to come to that same conclusion, which is why I just decided to own Total Market ...
by CyberBob
Thu Feb 22, 2007 5:54 pm
Forum: Investing - Theory, News & General
Topic: Paul Farrell - The second-grader starter portfolio
Replies: 8
Views: 5609

The Big Three

Bob - Good catch. Although the funds are the same, they do suggest different allocations. Actually, this deceptively simple portfolio is really just Taylor's 4-Fund Portfolio minus the Money Market fund. And Dan Solin has written an entire book on using differing percentages to construct your entir...
by CyberBob
Thu Feb 22, 2007 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: REIT in Vanguard Target Retirement Funds
Replies: 4
Views: 2808

Re: REIT in Vanguard Target Retirement Funds

simba wrote:Is there a reason why Vanguard does not include REIT?
They do include REIT's, just not as a separate fund. The Target Retirement funds all include the Total Stock Market Index fund, which holds REIT's in proportion to their market capitalization.

Bob
by CyberBob
Thu Feb 22, 2007 4:03 pm
Forum: Investing - Theory, News & General
Topic: Bernstein's Conservatism in "Four Pillars"
Replies: 33
Views: 17877

Re: 60/40 Rules!

I had a little hindsight bias with my previous comment. :) Me too. I still remember my first mutual fund investments. I was doing a $50 a month investment, which seemed like a lot back then. Then one day when my account finally totaled a staggering $500, a tiny bear cub market came upon me. I lost ...
by CyberBob
Thu Feb 22, 2007 3:52 pm
Forum: Investing - Theory, News & General
Topic: Best Investments for a Socialist America
Replies: 7
Views: 3721

Sweden

Sweden has outperformed the US. That's surprising since their tax rates seem so high: 60% - Top Personal Tax 28% - Corporate Tax 30% - Capital Gains Tax 25% - Value-Added Tax (VAT) 12% - VAT Tax on Food But I guess there's no free lunch. It seems Sweden may be going the other direction and a bit aw...
by CyberBob
Thu Feb 22, 2007 3:16 pm
Forum: Investing - Theory, News & General
Topic: Bernstein's Conservatism in "Four Pillars"
Replies: 33
Views: 17877

60/40 Rules!

...The end result is that I decided upon a 60/40 equity/bond portfolio. Me too, and for similar reasons such as a high savings rate and a simple lifestyle. I plan on keeping it that way possibly forever. To paraphrase Larry Swedroe, "Don't take any more risk than you need to." I do agree that just ...
by CyberBob
Thu Feb 22, 2007 3:01 pm
Forum: Investing - Theory, News & General
Topic: Best Investments for a Socialist America
Replies: 7
Views: 3721

Best Investments for a Socialist America

So I'm reading the transcript of a Hillary speech and noticed a lot of things in it such as nationalized health care and the 'taking' of Exxon profits to fund alternative fuel research. Overall, the speech seemed to me to be advocating a more socialist America. Now I'm no Chicken Little. I don't thi...
by CyberBob
Thu Feb 22, 2007 2:43 pm
Forum: Investing - Theory, News & General
Topic: Paul Farrell - The second-grader starter portfolio
Replies: 8
Views: 5609

The Diehard Portfolio

This portfolio sure gets around. In December it was written up at CBS Marketwatch as the Cold Shower Portfolio.

Bob
by CyberBob
Thu Feb 22, 2007 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: International: How small is small?
Replies: 3
Views: 2618

International Small-Cap

There definitely don't seem to be too many International Small-Cap offerings, especially since Vanguard closed their International Explorer fund, but for what it's worth, Paul Merriman of FundAdvice.com suggests the following for International Small-Cap holdings, even though he prefers index funds (...
by CyberBob
Thu Feb 22, 2007 2:06 pm
Forum: Investing - Theory, News & General
Topic: Dividends
Replies: 35
Views: 18434

Balanced Portfolio Yields

...a well balanced portfolio should throw off 4% or more fairly easily. Maybe not easily, depending on what you mean by balanced. For comparison, the current yields of some balanced Vanguard funds: 2.89% - Balanced Index Fund 2.81% - STAR Fund 2.96% - Wellington Fund 4.33% - Wellesley Fund (only 38...
by CyberBob
Thu Feb 22, 2007 1:57 pm
Forum: Investing - Theory, News & General
Topic: Do you own Tips or Tips funds?
Replies: 39
Views: 14969

No TIPS

by CyberBob
Thu Feb 22, 2007 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: Suggest a portfolio
Replies: 10
Views: 4490

Vanguard Lifetime Income Program

I second Zhwiller's suggestion that an annuity may be the best solution in this case. A $75k nest-egg isn't going to throw off $5k a year without eating into the principal, which means a much more uncertain lifetime for the portfolio. Have you checked out Vanguard's Lifetime Income Program? It's an ...