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Re: What percent "Boglehead" are you?

I tilt and I hold a (small) amount of actively managed funds and occasionally do some tactical asset allocation. And I'm a 100% boglehead. Being a boglehead is about long term planning, a general belief in market efficiency, and doing what you can to keep your tax and investing costs under control. ...
by Alex Frakt
Sat Nov 22, 2014 10:48 am
 
Forum: Investing - Theory, News & General
Topic: What percent "Boglehead" are you?
Replies: 76
Views: 3055

Re: An alternative to alternative investments [QSPIX]

High ER, alternative investment, 50$ transaction fee, not even a year old. And I thought this is BH forum. It is increasingly transforming into a SwedroeHeads forum, instead. We get Swedroe articles posted and discussed almost every other day. There's nothing new about this. In the beginning, the b...
by Alex Frakt
Thu Nov 20, 2014 6:08 pm
 
Forum: Investing - Theory, News & General
Topic: An alternative to alternative investments [QSPIX]
Replies: 71
Views: 4416

Re: Advice on future direction

Are you asking for investment advice or career/life advice? I want to get this into the correct forum.
by Alex Frakt
Wed Nov 19, 2014 11:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on future direction
Replies: 6
Views: 532

Re: An alternative to alternative investments [QSPIX]

Sorry but that isn't right either. the fund is not actively managed. It does use some individual positions as do say all Vanguard index funds, and Vanguard also uses derivative in case you don't know, using say index futures to invest in at times vs individual stocks. Derivatives are not good or ba...
by Alex Frakt
Wed Nov 19, 2014 11:48 pm
 
Forum: Investing - Theory, News & General
Topic: An alternative to alternative investments [QSPIX]
Replies: 71
Views: 4416

Re: [Bill McNabb's] compensation

Locked. The OP's question has been answered to the extent it can be. Further responses are mostly off-topic, since they are non-actionable.
by Alex Frakt
Wed Nov 19, 2014 9:42 pm
 
Forum: Investing - Theory, News & General
Topic: [Bill McNabb's] compensation
Replies: 12
Views: 2052

Re: An alternative to alternative investments [QSPIX]

That characterization is simply incorrect. Their holdings are as I described them. For example how people can easily misunderstand the fund, the fund has no exposure to stock market risk, no exposure to interest risk and no exposure to currency risk, as it is long short. They aren't bets as you cal...
by Alex Frakt
Wed Nov 19, 2014 2:43 pm
 
Forum: Investing - Theory, News & General
Topic: An alternative to alternative investments [QSPIX]
Replies: 71
Views: 4416

Re: An alternative to alternative investments

When I clicked on the mutual fund symbol in the article it took me to M* where it says the minimum initial investment is $5.0 mil. Is that right? http://quotes.morningstar.com/fund/qspix/f?t=QSPIX And the ER is 1.5%. And the top holdings are interest rate and currency bets. I guess their niche is w...
by Alex Frakt
Wed Nov 19, 2014 12:23 am
 
Forum: Investing - Theory, News & General
Topic: An alternative to alternative investments [QSPIX]
Replies: 71
Views: 4416

Re: Apple Stores - do they try to be awful?

Locked. No apparent actionable content.
by Alex Frakt
Tue Nov 18, 2014 11:56 pm
 
Forum: Personal Consumer Issues
Topic: Apple Stores - do they try to be awful?
Replies: 41
Views: 2891

Re: [Should I] rent out [my] house [for a 3-day event]?

I'd counter with $5k for 7 nights plus the the keys to their house in Italy while they are here :-)

But seriously, I don't see this as high risk. It's not like they are asking if their teenage nephews can rent your place for spring break.
by Alex Frakt
Tue Nov 18, 2014 10:25 am
 
Forum: Personal Consumer Issues
Topic: [Should I] rent out [my] house [for a 3-day event]?
Replies: 67
Views: 3770

Re: Toyota Class Action Settlement Check, Cash or Not

unintended acceleration (caused by floor mat lodging esp.) can be handled immediately with putting car in neutral. Some of these unintended acceleration problems had nothing to do with floor mats. Toyota hid these issues from the public and was fined earlier this year. http://abcnews.go.com/Blotter...
by Alex Frakt
Tue Nov 18, 2014 1:06 am
 
Forum: Personal Consumer Issues
Topic: Toyota Class Action Settlement Check, Cash or Not
Replies: 16
Views: 2328

Re: Landlord wants us to sign an entirely new contract!

In any case creating bad blood between tenants and landlords is a lose-lose game that both parties will regret. That ship has already sailed. The landlord has already created the bad blood. The question is how the tenant deals with it. I wouldn't blame landlord without knowing more. There is poor c...
by Alex Frakt
Mon Nov 17, 2014 8:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Landlord wants us to sign an entirely new contract!
Replies: 51
Views: 5810

Re: Angie's List Class Action settlement - for real?

The return address doesn't tell you anything. What's the link you are supposed to click on in the e-mail? Don't select and copy the link text, you need to right click (option click) on it and select "Copy link address". Paste it in your reply, but please replace the slashes and dots with s...
by Alex Frakt
Mon Nov 17, 2014 1:07 pm
 
Forum: Personal Consumer Issues
Topic: Angie's List Class Action settlement - for real?
Replies: 8
Views: 1773

Re: The More Money People Have, the Less they Give Away

Locked. I've removed all of the replies, most of which were equally off-topic, but am leaving this here as a reminder of our forum policies. Non-actionable (Trolling) Topics If readers can't do anything with the content of a topic other than argue about it, it does not belong here. Examples include...
by Alex Frakt
Mon Nov 17, 2014 12:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: The More Money People Have, the Less they Give Away
Replies: 1
Views: 488

Re: Angie's List Class Action settlement - for real?

The settlement is real. Here's the judge's order: http://scholar.google.com/scholar_case?case=5014944663518755541&hl=en&as_sdt=6&as_vis=1&oi=scholarr and here's the page from the plaintiff's law firm: http://wka-law.com/index.php/case/angies-list-membership-fee-litigation/ . They als...
by Alex Frakt
Mon Nov 17, 2014 12:29 pm
 
Forum: Personal Consumer Issues
Topic: Angie's List Class Action settlement - for real?
Replies: 8
Views: 1773

Re: Cost to furnish a condo

$2,000 to $50,000+ -- depending upon what you choose. My wife and I have a 3BR condo furnished with IKEA (kids' rooms, bookcases, all the little stuff like end tables, rugs and trashcans), CB2 (dining room table, bar stools), Cost Plus (chairs) and Room and Board (couch, bed, dresser). Total is aro...
by Alex Frakt
Mon Nov 17, 2014 1:05 am
 
Forum: Personal Consumer Issues
Topic: Cost to furnish a condo
Replies: 29
Views: 2661

Re: Winter Coat

I only wear it to walk the dog and do outside winter work... Carhartt - http://www.carhartt.com/webapp/wcs/stores/servlet/CarharttSearchCmd?storeId=10051&catalogId=10101&langId=-1&recordPerPage=24&N=0&Nu=RollupKey&Ns=&Ntt=10927&Ntk=CatgroupId&Ntx=mode+matchall&am...
by Alex Frakt
Mon Nov 17, 2014 12:36 am
 
Forum: Personal Consumer Issues
Topic: Winter Coat
Replies: 51
Views: 4368

Re: Landlord wants us to sign an entirely new contract!

I have a question for those saying the OP should simply accept the landlord's desired changes to the signed contract. What advice would you have given if the facts were the same, but the landlord was asking what to do?
by Alex Frakt
Mon Nov 17, 2014 12:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Landlord wants us to sign an entirely new contract!
Replies: 51
Views: 5810

Re: Investing in Chocolate? New to all of this.. need help.

I did a google search on "upcoming cocoa shortage." In the first 50 results, I see articles from 2010, 2011, 2012, 2013, and 2014. I'm sure one will happen at some point, but timing the exact arrival doesn't appear to be all that simple. BTW, here's the history of cacao (cocoa) pricing fro...
by Alex Frakt
Sun Nov 16, 2014 9:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in Chocolate? New to all of this.. need help.
Replies: 23
Views: 2407

Re: Toyota Class Action Settlement Check, Cash or Not

Cash the check. No problem was ever found with the electronic throttle, and the NHTSA brought in NASA to do the testing, see http://www.nhtsa.gov/UA . The cause of "unintended acceleration" was drivers pushing the accelerator instead of the brake, just like the Audi "sudden unintended...
by Alex Frakt
Sun Nov 16, 2014 9:24 pm
 
Forum: Personal Consumer Issues
Topic: Toyota Class Action Settlement Check, Cash or Not
Replies: 16
Views: 2328

Re: Landlord wants us to sign an entirely new contract!

Speaking with my wife about it, I think this is the place we want to be for the immediate future, but we are going to nullify this contract and repeat the process with the correct contract. During this time, I am going to request a deduction in the first month's rent to compensate for unexpected co...
by Alex Frakt
Sun Nov 16, 2014 8:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Landlord wants us to sign an entirely new contract!
Replies: 51
Views: 5810

Re: Student loans [savings and spending priorities]

avocados wrote:I am currently living in a tax haven in the Caribbean...

Then again, I eat out a lot (almost exclusively), so there is room for improvement in that area.

How's your free diving? There's not much tastier than fresh conch salad :-)
by Alex Frakt
Sat Nov 15, 2014 9:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Student loans [savings and spending priorities]
Replies: 7
Views: 413

Re: Student loans [savings and spending priorities]

It sounds like you are doing fine. You have a decent job and your spending is well controlled. By all means budget for travel. You are only young once and your experiences are going to be far more valuable to you in the long run than an extra percent or three on your portfolio balance down the road....
by Alex Frakt
Sat Nov 15, 2014 9:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Student loans [savings and spending priorities]
Replies: 7
Views: 413

Re: Landlord wants us to sign an entirely new contract!

OP- Were there any negotiations on rent and what it covered? What did the stated rent say it included? It appears there was more miscommunication than just the wrong contact. The contract clearly stated what was and wasn't covered, and we discussed a couple areas that we disagreed on (pest infestat...
by Alex Frakt
Sat Nov 15, 2014 12:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Landlord wants us to sign an entirely new contract!
Replies: 51
Views: 5810

Re: Explaining muni bond spreads

Thread unlocked. Our forum policies state "the moderators and administrators reserve the right to determine unilaterally what constitutes solicitation." There is no hard test for solicitation, it always depends on the circumstances of each post. On this thread, Larry's posts about buildin...
by Alex Frakt
Fri Nov 14, 2014 11:53 pm
 
Forum: Investing - Theory, News & General
Topic: Explaining muni bond spreads
Replies: 40
Views: 3476

Re: Supreme Court Blues

After review, I'm keeping it locked. The OP's question was on topic, but it's been answered as well as it can be by those posters who stuck to the point. Since other responses are already heading off-topic, further discussion is unlikely to be productive.
by Alex Frakt
Sun Nov 09, 2014 12:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Supreme Court Blues
Replies: 34
Views: 2193

Re: Can't View Thread

We will remove a thread if there is little on-topic content. This thread was only about speculation on future tax policy.
by Alex Frakt
Fri Oct 31, 2014 10:58 am
 
Forum: Forum Issues and Administration
Topic: Can't View Thread
Replies: 5
Views: 521

Re: Can't View Thread

cheese_breath wrote:When you get this message it usually means a moderator has removed the thread.

This is correct.
by Alex Frakt
Fri Oct 31, 2014 10:26 am
 
Forum: Forum Issues and Administration
Topic: Can't View Thread
Replies: 5
Views: 521

Re: your advisor should act like a good doctor

As I said, I know many scientists who have become financial economists and they all believe they use scientific methods while agreeing that finance isn't hard science, like physics No one is claiming it is hard science, but that isn't the point. Larry Larry, That is exactly the point. Leeraar, This...
by Alex Frakt
Fri Oct 31, 2014 12:16 am
 
Forum: Investing - Theory, News & General
Topic: your advisor should act like a good doctor
Replies: 48
Views: 3704

Re: MS Windows 7 Dead?

Windows 8 is actually really good, it's a little different which scares people but once people get used to it I've not met one person that went back to Windows 7. Windows 8 is incredibly stable and is actually faster than Windows 7 on the same hardware. Windows 10 is also looking good (though it is...
by Alex Frakt
Wed Oct 29, 2014 3:12 pm
 
Forum: Personal Consumer Issues
Topic: MS Windows 7 Dead [in 2020]?
Replies: 26
Views: 2245

Re: MS Windows 7 Dead?

nordlead wrote:EDIT: I'm convinced this guy doesn't really know how to use a PC or setup a network. He is a writer who happens to write about computers, but that doesn't mean he knows how to use them properly.

Got to be John C. Dvorak.
by Alex Frakt
Wed Oct 29, 2014 1:27 pm
 
Forum: Personal Consumer Issues
Topic: MS Windows 7 Dead [in 2020]?
Replies: 26
Views: 2245

Re: New appliances - Stainless Steel or not?

IMO, stainless has been out of fashion since 2006. To me, it screams "flip". I really like black appliances. We just replaced our black gas range with another black gas range. I found out this time around that the stainless appliances were sometimes cheaper than the black appliances... ju...
by Alex Frakt
Wed Oct 29, 2014 11:39 am
 
Forum: Personal Consumer Issues
Topic: New appliances - Stainless Steel or not?
Replies: 56
Views: 3381

Re: how risky is stock investing?

Speculating is like betting in a casino. Investing is like owning the casino. People who are in it for the long term buy businesses (stocks) because they expect that the business will be profitable and the owners will get their fair share of the profits through some combination of dividends and bein...
by Alex Frakt
Wed Oct 29, 2014 11:17 am
 
Forum: Investing - Help with Personal Investments
Topic: how risky is stock investing?
Replies: 16
Views: 1280

Re: 39.6% Tax Bracket :(

Topic reopened after OT posts and comments removed. Please stick to the OP's questions. Personal comments and discussions of tax policy, pro or con, are not acceptable on this forum.
by Alex Frakt
Wed Oct 29, 2014 10:19 am
 
Forum: Personal Finance (Not Investing)
Topic: 39.6% Tax Bracket :(
Replies: 28
Views: 6039

Re: 39.6% Tax Bracket :(

Locked for moderator review.
by Alex Frakt
Wed Oct 29, 2014 9:38 am
 
Forum: Personal Finance (Not Investing)
Topic: 39.6% Tax Bracket :(
Replies: 28
Views: 6039

Re: POLL: Gross Annual Retirement Income Before Taxes

Locked. Threads on this forum must be both personal ("directly connected to your financial life") and actionable.
by Alex Frakt
Tue Oct 28, 2014 10:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Gross Annual Retirement Income Before Taxes
Replies: 25
Views: 1994

Re: New appliances - Stainless Steel or not?

...past trendy colors like pink, turquoise, coppertone, avocado, harvest gold, wheat, and black... Alex, you cannot possibly be old enough to remember avocado and harvest gold... can you? They didn't go away just because they went out of style :-) That's why I stayed away from trendy when remodelin...
by Alex Frakt
Tue Oct 28, 2014 7:15 pm
 
Forum: Personal Consumer Issues
Topic: New appliances - Stainless Steel or not?
Replies: 56
Views: 3381

Re: Bogleheads.org equivalents for other areas of life?

You may want to delete your post before it's deleted for you. Nutritional forums not allowed to be mentioned. If the site AND the post are about primarily about food, rather than medical claims, it's fine. Actually, I would THINK, in the context of this thread topic, that listing other forums for n...
by Alex Frakt
Tue Oct 28, 2014 2:07 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads.org equivalents for other areas of life?
Replies: 70
Views: 7588

Re: Bogleheads.org equivalents for other areas of life?

Barefootgirl wrote:You may want to delete your post before it's deleted for you. Nutritional forums not allowed to be mentioned.

If the site AND the post are about primarily about food, rather than medical claims, it's fine.
by Alex Frakt
Tue Oct 28, 2014 1:39 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads.org equivalents for other areas of life?
Replies: 70
Views: 7588

Re: New appliances - Stainless Steel or not?

We're getting ready to buy new appliances for our home and though my wife wants all SS appliances in the kitchen... If she wants it for fashion, she should note that the stainless steel look is headed out and white is coming in. White also has the advantage of being the classic color for kitchen ap...
by Alex Frakt
Tue Oct 28, 2014 11:56 am
 
Forum: Personal Consumer Issues
Topic: New appliances - Stainless Steel or not?
Replies: 56
Views: 3381

Re: Investing with annuity payout, help needed

Do you have an emergency fund?

What are your other 401(k) options, including expenses?

And what is your Federal tax rate? It says 3%, which I assume is a typo. You can edit your original post to fix that.
by Alex Frakt
Tue Oct 28, 2014 11:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing with annuity payout, help needed
Replies: 3
Views: 415

Re: Fed Quantitative Easing

Locked. Politics, economic policy, trolling, personal attacks (not in that order). Only thing we are missing is spam, medical claims and religious proselytization.
by Alex Frakt
Tue Oct 28, 2014 10:16 am
 
Forum: Investing - Theory, News & General
Topic: Fed Quantitative Easing
Replies: 15
Views: 1210

Re: Can someone explain the myRA and its rules?

This is the best info we have so far: http://www.myra.treasury.gov/readysaveg ... stions.htm

Let's hold off on further discussion until we have something more concrete.
by Alex Frakt
Mon Oct 27, 2014 8:06 pm
 
Forum: Investing - Theory, News & General
Topic: Can someone explain the myRA and its rules?
Replies: 4
Views: 976

Re: One important role of advisers? - WSJ today

Two threads on same article merged and then the whole thing locked for the political/economic thrust of the referred article.
by Alex Frakt
Mon Oct 27, 2014 2:24 pm
 
Forum: Investing - Theory, News & General
Topic: Bad Stock-Market Timing Fueled Wealth Disparity
Replies: 9
Views: 1124

Re: Bogleheads.org equivalents for other areas of life?

Chowhound.com for food related stuff, great for reviews on restaurants and other random stuff. Chowhound has had many complaints about certain regional moderators playing favorites. It got so bad in Chicago that the major contributors left to create their own forum. I will unreservedly recommend th...
by Alex Frakt
Mon Oct 27, 2014 1:30 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads.org equivalents for other areas of life?
Replies: 70
Views: 7588

Re: Bogleheads.org equivalents for other areas of life?

Multiple posts removed (medical or silly). PLEASE DON'T POST SITES THAT MAKE MEDICAL CLAIMS.
by Alex Frakt
Mon Oct 27, 2014 1:16 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads.org equivalents for other areas of life?
Replies: 70
Views: 7588

Re: What is the appeal of smart watches?

Locked. This is why general comment threads are off topic here, a large percentage of them turn silly or nasty or go off on a tangent.

If any of you want help choosing a smart watch, go ahead and post along with your requirements and desires. I'm sure you'll get meaningful responses.
by Alex Frakt
Mon Oct 27, 2014 12:51 pm
 
Forum: Personal Consumer Issues
Topic: What is the appeal of smart watches?
Replies: 22
Views: 2010

Re: Google Docs

The link will allow anyone with access to the link to get a doc that exists on a Google Drive. Did you try Sidney's link? I left you a message in the document. The document has to be created by someone with a google account since it has to exist somewhere on someone's Google Drive. . A member of th...
by Alex Frakt
Mon Oct 27, 2014 12:39 pm
 
Forum: Personal Consumer Issues
Topic: Google Docs [to share a spreadsheet publicly]
Replies: 12
Views: 1536

Re: Barron's on Schwab [CEO prefers Indexing for 401ks]

but the last time I checked all of the Vanguard funds I use incurred transaction fees at Schwab. I think most if not all brokerage trades for Vanguard funds incur transaction fees**, regardless of brokerage (purchase only, not on the sale?). And for whatever reason, the commission (transaction fee)...
by Alex Frakt
Sun Oct 26, 2014 9:50 pm
 
Forum: Investing - Theory, News & General
Topic: Barron's on Schwab [CEO prefers Indexing for 401ks]
Replies: 16
Views: 2217

Re: Barron's on Schwab [CEO prefers Indexing for 401ks]

note: two thread merged and title edited
by Alex Frakt
Sun Oct 26, 2014 2:07 am
 
Forum: Investing - Theory, News & General
Topic: Barron's on Schwab [CEO prefers Indexing for 401ks]
Replies: 16
Views: 2217
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