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Re: cost of raising a child by age group

To keep this on-topic (i.e., unlocked), this thread has to be about your situation. Not ours. I suggest you provide some more information about your personal situation. For example 0-5 can either be the cheapest or the most expensive years depending on your childcare costs.
by Alex Frakt
Fri Sep 19, 2014 3:09 am
 
Forum: Personal Consumer Issues
Topic: cost of raising a child by age group
Replies: 1
Views: 48

Re: The boglehead way to buy furniture

IKEA. Their cheap stuff is good enough for storage and spare bedrooms. And their better stuff is every bit is as good as normal mid-range furniture at about half the price. Oh god no. LOL. we furnished my youngest sons college apartment with stuff from Ikea. It fell apart after a few months. litera...
by Alex Frakt
Thu Sep 18, 2014 10:47 pm
 
Forum: Personal Consumer Issues
Topic: The boglehead way to buy furniture
Replies: 54
Views: 4019

Re: Most cost effective means of protecting physical assets

I'm reopening the thread after removing about half of the posts. Please keep to the OP's question. Discussions of dogs you have known, which gun statistics you should believe, and general comments on life in America are all off topic here.
by Alex Frakt
Thu Sep 18, 2014 1:54 am
 
Forum: Personal Consumer Issues
Topic: Most cost effective means of protecting physical assets
Replies: 47
Views: 3468

Re: [news expats]Renunciation of Citizenship fee hiked to 23

Locked. The investing content of the original post had been exhausted.
by Alex Frakt
Thu Sep 18, 2014 1:27 am
 
Forum: Investing - Theory, News & General
Topic: [news expats]Renunciation of Citizenship fee hiked to 2350
Replies: 8
Views: 891

Re: The boglehead way to buy furniture

IKEA. Their cheap stuff is good enough for storage and spare bedrooms. And their better stuff is every bit is as good as normal mid-range furniture at about half the price.
by Alex Frakt
Wed Sep 17, 2014 3:46 pm
 
Forum: Personal Consumer Issues
Topic: The boglehead way to buy furniture
Replies: 54
Views: 4019

Re: Buying a bounce house for personal use?

I bought this one http://www.amazon.com/Castle-Inflatable-Bounce-House-Slide/dp/B000W3JIX0/ref=sr_1_1?ie=UTF8&tag=bogleheads.org-20&qid=1410976399&sr=8-1 (currently $260) three years ago when my son turned 3. http://ecx.images-amazon.com/images/I/41ISWx7qufL.jpg It's great. We live in a ...
by Alex Frakt
Wed Sep 17, 2014 2:10 pm
 
Forum: Personal Consumer Issues
Topic: Buying a bounce house for personal use?
Replies: 25
Views: 1596

Re: What evidence would prove the Boglehead mentality wrong?

The real issue (to me) is more in what kind of investor you want to be. At age 26, you probably haven't had a lot of real experience in the markets and so don't know whether or not you're skilled or capable of being skilled. I think the 80/20 rule probably applies here. 80% of investors are average...
by Alex Frakt
Wed Sep 17, 2014 1:11 pm
 
Forum: Investing - Theory, News & General
Topic: What evidence would prove the Boglehead mentality wrong?
Replies: 77
Views: 4601

Re: Help with a large business decision [capital expenditure

I am sure I could sell off the equipment if need be at some reduced price... So could you buy something better than what you have at a reduced price? Another thought. With only 10 competitors, you probably know most of them. Perhaps one of them with newer equipment wants to retire or concentrate on...
by Alex Frakt
Tue Sep 16, 2014 1:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with a large business decision [capital expenditure]
Replies: 36
Views: 1369

Re: Randomly-weighted stock portfolios beat the index

However, since the equal-weighted portfolio is rebalanced yearly... In other words, he's discovered evidence of mean reversion among individual stocks for this time period. Interesting, but what are the practical applications? I could see using an equal-weight index for large cap holdings in a tax-...
by Alex Frakt
Tue Sep 16, 2014 1:05 pm
 
Forum: Investing - Theory, News & General
Topic: Randomly-weighted stock portfolios beat the index
Replies: 28
Views: 1975

Re: What evidence would prove the Boglehead mentality wrong?

Passive investing would be suboptimal if you could demonstrate an implementable alternate strategy that provides superior returns after all costs (including trading, taxes, market impact, and any management fees). You will also need to show that the strategy could not be be implemented inside a pas...
by Alex Frakt
Tue Sep 16, 2014 12:40 pm
 
Forum: Investing - Theory, News & General
Topic: What evidence would prove the Boglehead mentality wrong?
Replies: 77
Views: 4601

Re: What evidence would prove the Boglehead mentality wrong?

Passive investing would be suboptimal if you could demonstrate an implementable alternate strategy that provides superior returns after all costs (including trading, taxes, market impact, and any management fees). You will also need to show that the strategy could not be be implemented inside a pass...
by Alex Frakt
Tue Sep 16, 2014 12:24 pm
 
Forum: Investing - Theory, News & General
Topic: What evidence would prove the Boglehead mentality wrong?
Replies: 77
Views: 4601

Re: Please truncate the display of usernames on the home pag

It was originally truncated at 15 characters after I scientifically determined the perfect maximum display length (by counting the number of characters in "Taylor Larimore" :-)). While I was taking a break from the forum a few months ago, the homepage was rewritten to accommodate some othe...
by Alex Frakt
Mon Sep 15, 2014 2:35 am
 
Forum: Forum Issues and Administration
Topic: Please truncate the display of usernames on the home page
Replies: 6
Views: 768

Re: What type of assets can a lawyer see that you have?

Locked. This has strayed quite far what turned out to in the first place to be a non-personal (and thus off-)topic.
by Alex Frakt
Sun Sep 14, 2014 12:00 am
 
Forum: Personal Finance (Not Investing)
Topic: What type of assets can a lawyer see that you have?
Replies: 32
Views: 3947

Re: How to get a child a different teacher after a bad start

Thread reopened following moderator cleanup.
by Alex Frakt
Sat Sep 13, 2014 11:56 pm
 
Forum: Personal Consumer Issues
Topic: How to get a child a different teacher after a bad start?
Replies: 30
Views: 2413

Re: How to get a child a different teacher after a bad start

There are no national requirements. You need to discuss this with your local Board of Education (whatever it is called), that's where responsibility normally lies. Although it is possible there is someone at the state level you could talk to if you can't work things out with the school district.
by Alex Frakt
Sat Sep 13, 2014 9:12 pm
 
Forum: Personal Consumer Issues
Topic: How to get a child a different teacher after a bad start?
Replies: 30
Views: 2413

Re: Can college force low-deductible health insurance plan?

Locked. This is non-actionable unless some sort of federal or state regulation is being violated by the college. If anyone knows of such a regulation, PM me and I will unlock the thread so you can post it. Also if the OP wants to provide additional information such as the state or the college, PM m...
by Alex Frakt
Fri Sep 12, 2014 11:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can college force low-deductible health insurance plan?
Replies: 12
Views: 580

Re: Ethics of Multi-Generational Tax Optimization

Since you are acting as his agent, your primary duty is to him. That includes following his instructions if his reasoning is unimpaired. Thus, if he is capable of understanding what you are proposing and agrees to it then it is perfectly acceptable. If he is not capable of understanding what you are...
by Alex Frakt
Fri Sep 12, 2014 4:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Ethics of Multi-Generational Tax Optimization
Replies: 23
Views: 1786

Re: Need advice on which tablet to buy

What is driving the need for a new tablet?
by Alex Frakt
Fri Sep 12, 2014 3:57 pm
 
Forum: Personal Consumer Issues
Topic: Need advice on which tablet to buy
Replies: 44
Views: 2462

Re: Neighborhood kid around 13 throwing rocks at my house

I'm going to lock this. It's not really on topic and it appears that we have provided what we can anyway.
by Alex Frakt
Fri Sep 12, 2014 11:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Neighborhood kid around 13 throwing rocks at my house
Replies: 55
Views: 2995

Re: Recommended World War I book

Remarque's All Quiet on the Western Front is probably the canonical work of WWI fiction. However, for some reason I never got around to reading it, so I can't personally vouch for it. However, I can recommend the following: - Ernest Hemingway, A Farewell to Arms - Mark Helprin, A Soldier of the Grea...
by Alex Frakt
Fri Sep 12, 2014 12:52 am
 
Forum: Personal Consumer Issues
Topic: Recommended World War I book
Replies: 37
Views: 1877

Re: What's the worst "too-good-to-be-true" to happen to you?

Locked. Threads on this forum must be both personal and actionable. If you can't do anything with the information presented, it's not actionable.
by Alex Frakt
Thu Sep 11, 2014 3:14 am
 
Forum: Personal Consumer Issues
Topic: What's the worst "too-good-to-be-true" to happen to you?
Replies: 23
Views: 2830

Re: How much do investors care about social impact?

Locked while we try to figure out whether the OP's intentions are in concordance with forum policies on commercial solicitation.
by Alex Frakt
Thu Sep 11, 2014 2:56 am
 
Forum: Investing - Theory, News & General
Topic: How much do investors care about social impact?
Replies: 32
Views: 1379

Re: Good Modern Science Fiction

I have to admit that I find Wool a bit amateurish. Perhaps partly because of that and definitely partly due to massive, gaping technical and sociological impossibilities, I found it difficult to maintain the suspension of disbelief and get lost in the world the author created.
by Alex Frakt
Tue Sep 09, 2014 5:42 pm
 
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 129
Views: 5135

Re: Potentially Silly Question

Is your question about what account to put your money into or what funds? There is nothing wrong with duplicating your current holdings in a taxable account. Except that it would be better from a tax perspective to keep your bonds in the Roth. Your asset allocation should be determined over all of y...
by Alex Frakt
Tue Sep 09, 2014 9:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Potentially Silly Question [basic portfolio advice]
Replies: 6
Views: 402

Re: Good Modern Science Fiction

Much of the cyberpunk stuff. William Gibson's trilogy of Neuromancer, Count Zero, and Mona Lisa Overdrive essentially launched the subgenre and have held up amazingly well. Except for the first line :-) The sky above the port was the color of television, tuned to a dead channel. Neal Stephenson's Sn...
by Alex Frakt
Mon Sep 08, 2014 1:37 pm
 
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 129
Views: 5135

Re: A 'really good book' you did NOT enjoy

I'm finding my 'to read' list getting inexorably longer. With work, family, personal obligations, there's not enough time, even to optimistically plan on doing in a far away retirement. Need a way to winnow down a bit. Do you have an actual list? Post it and give us an idea of your likes and dislik...
by Alex Frakt
Sun Sep 07, 2014 2:10 am
 
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 226
Views: 10571

Re: A 'really good book' you did NOT enjoy

ObliviousInvestor wrote:Rich Dad Poor Dad

The thread is titled "A 'really good book' you did NOT enjoy." I would guess that no one has praised Rich Dad Poor Dad for its literary merits.
by Alex Frakt
Sun Sep 07, 2014 2:00 am
 
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 226
Views: 10571

Re: A 'really good book' you did NOT enjoy

Just thought of another one: A Confederacy of Dunces. Started it a couple of times, but never made much of a dent.
by Alex Frakt
Sun Sep 07, 2014 1:57 am
 
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 226
Views: 10571

Re: Six-Figure Incomes—and Facing Financial Ruin [WSJ articl

Locked and it's not going to be reopened.
by Alex Frakt
Sun Sep 07, 2014 12:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Six-Figure Incomes—and Facing Financial Ruin [WSJ article]
Replies: 59
Views: 9223

Re: "Student loan debt: How much is too much?"

Locked. Threads in this forum "must be directly connected to your (or your friend's or family's) financial life."
by Alex Frakt
Sun Sep 07, 2014 12:23 am
 
Forum: Personal Finance (Not Investing)
Topic: "Student loan debt: How much is too much?"
Replies: 6
Views: 1084

Re: Graduating Debt-Free, or with Elite College Degree?

Locked. General Comment threads are off-topic in the Personal forums. If you are faced with an actual (as opposed to hypothetical) choice between two such institutions, you are welcome to post it.
by Alex Frakt
Sun Sep 07, 2014 12:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Graduating Debt-Free, or with Elite College Degree?
Replies: 92
Views: 4809

Re: Recommendations for Taxable Funds

Which Vanguard and Fidelity (including its commission-free iShares ETFs) index funds and/or ETFs would you recommend for taxable accounts (assuming buy and hold for long-term, asset allocation and funding of retirement accounts are not issues, and 40 years old)? Without knowing anything else about ...
by Alex Frakt
Sun Sep 07, 2014 12:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Recommendations for Taxable Funds
Replies: 5
Views: 362

Re: Student Loans & Investing--Please Check My Thinking

This is actually trickier than it looks since the optimal decision depends on knowing things like your future tax rates and how disciplined a saver you will be as your income increases. With a starting salary of 90k and filing as single, I suspect a Roth won't make sense for very long since you can ...
by Alex Frakt
Sun Sep 07, 2014 12:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Student Loans & Investing--Please Check My Thinking
Replies: 2
Views: 307

Re: A 'really good book' you did NOT enjoy

Odd to see so many books that I really enjoyed on this list. I like all Hemingway, even the questionably-edited posthumous stuff. A Farewell to Arms is my favorite of the novels, as much epic poetry as prose. I've read Moby Dick three times. If you are having difficulty, try skipping or perhaps skim...
by Alex Frakt
Sat Sep 06, 2014 11:08 pm
 
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 226
Views: 10571

Re: A 'really good book' you did NOT enjoy

Jerzy Kosinski's The Painted Bird: http://en.wikipedia.org/wiki/The_Painted_Bird . Moving, powerful, but ultimately just too depressing. I wish I'd never started it.
by Alex Frakt
Sat Sep 06, 2014 10:51 am
 
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 226
Views: 10571

Re: Warning level

Let me clarify a bit. It's not actually a level, it's simply the number of times the moderators/admins have used the forum software to send a warning. We can also send an informal warning by PM or response on the thread, these do not increment the warning level. As LadyGeek mentioned, there is no se...
by Alex Frakt
Sat Sep 06, 2014 10:37 am
 
Forum: Forum Issues and Administration
Topic: Warning level
Replies: 39
Views: 2256

Re: How is tilting any different that active value investing

packer16 wrote: I agree you can do this cheaper and save fees.

That is the difference. Same as the difference between any index and active scheme.
by Alex Frakt
Sat Sep 06, 2014 9:49 am
 
Forum: Investing - Theory, News & General
Topic: How is tilting any different that active value investing
Replies: 55
Views: 2532

Re: operating cost of this forum

Moved from Philly to Chicago? We're not colocated like Netflix? :( Would you believe bogleheads currently comes to you from a basement in New Jersey? Though, from what I've been told, it's quite a basement. It's got a direct fiber connection to the net and a somewhat better than average admin . :-)
by Alex Frakt
Sat Sep 06, 2014 2:24 am
 
Forum: Forum Issues and Administration
Topic: operating cost of this forum
Replies: 10
Views: 1929

Re: HuffPost: Its Time to Retire Our Definition of Retiremen

Locked. General comment threads are off topic on the Personal forums.
by Alex Frakt
Sat Sep 06, 2014 1:54 am
 
Forum: Personal Finance (Not Investing)
Topic: HuffPost: Its Time to Retire Our Definition of Retirement
Replies: 1
Views: 843

Re: Motif Investing - own the S&P500 for less

The point that inbox was trying to make is that if you play a game with a non-normal distribution enough times, the overall distribution has less skew and lower keratosis (everyone gets closer and closer to the average). So while most S&P samplers may get subpar returns when looking at short pe...
by Alex Frakt
Fri Sep 05, 2014 2:40 pm
 
Forum: Investing - Theory, News & General
Topic: Motif Investing - own the S&P500 for less
Replies: 91
Views: 5305

Re: Motif Investing - own the S&P500 for less

I may not understand this skewness correctly, but I'm imagining a fair (i.e. no zeros) roulette table. Someone betting on a single number faces 1:35 odds. So yes, those that bet on a single number will likely lose and a few lucky ones that hit their number will come out way ahead, but no money ente...
by Alex Frakt
Fri Sep 05, 2014 1:13 pm
 
Forum: Investing - Theory, News & General
Topic: Motif Investing - own the S&P500 for less
Replies: 91
Views: 5305

Re: Motif Investing - own the S&P500 for less

You are still missing the skewness of returns. Since a large part of index gains comes from a small number of stocks, the majority of samples will underperform the complete index. Two things will reduce this effect. First, your sample of the index is small, so when you randomly hit one of these sma...
by Alex Frakt
Thu Sep 04, 2014 12:58 am
 
Forum: Investing - Theory, News & General
Topic: Motif Investing - own the S&P500 for less
Replies: 91
Views: 5305

Re: Motif Investing - own the S&P500 for less

Here is a similar strategy I've thought a bit about. Say that Alice is a new investor who plans to invest about $5,000 every month starting in January. She wants to hold individual stocks that more or less track the performance of the S&P. Her strategy is to buy companies with the largest marke...
by Alex Frakt
Wed Sep 03, 2014 9:03 pm
 
Forum: Investing - Theory, News & General
Topic: Motif Investing - own the S&P500 for less
Replies: 91
Views: 5305

Re: Why is REIT only sector fund recommended in slice & dice

In other words, adding REITS has pretty much the same effect as slightly increasing your bond allocation?
by Alex Frakt
Wed Sep 03, 2014 8:55 pm
 
Forum: Investing - Theory, News & General
Topic: Why is REIT only sector fund recommended in slice & dice?
Replies: 113
Views: 7427

Re: Why is REIT only sector fund recommended in slice & dice

I appreciate the discussion so far, but I wasn't really asking about why to hold REITs. I was asking why not hold other sector funds also. I think this is your answer: Another argument that is regularly advanced is that they should be overweighted because commercial real estate is underweighted in ...
by Alex Frakt
Wed Sep 03, 2014 1:48 am
 
Forum: Investing - Theory, News & General
Topic: Why is REIT only sector fund recommended in slice & dice?
Replies: 113
Views: 7427

Re: Motif Investing - own the S&P500 for less

Most major stocks (i.e. sp500) have penny spreads, so this shouldn't be much of a factor. Yes, but the definition of a market order may vary between brokers. Are the traders routed immediately and executed at the best market price? Then, yes, we're talking a penny. How about the trade gets executed...
by Alex Frakt
Wed Sep 03, 2014 1:22 am
 
Forum: Investing - Theory, News & General
Topic: Motif Investing - own the S&P500 for less
Replies: 91
Views: 5305

Re: Motif Investing - own the S&P500 for less

Here is a similar strategy I've thought a bit about. Say that Alice is a new investor who plans to invest about $5,000 every month starting in January. She wants to hold individual stocks that more or less track the performance of the S&P. Her strategy is to buy companies with the largest marke...
by Alex Frakt
Wed Sep 03, 2014 1:08 am
 
Forum: Investing - Theory, News & General
Topic: Motif Investing - own the S&P500 for less
Replies: 91
Views: 5305

Re: Stock buybacks blamed...

Locked. Non-actionable economics and policy article.
by Alex Frakt
Wed Sep 03, 2014 12:21 am
 
Forum: Investing - Theory, News & General
Topic: Stock buybacks blamed...
Replies: 1
Views: 518

Re: Why is REIT only sector fund recommended in slice & dice

I tilt to small and value, but don't hold or recommend holding a specific allocation to REITs. I understand that they have unique characteristics relative to the rest of the market, but the same can be said of any sector fund. Another argument that is regularly advanced is that they should be overwe...
by Alex Frakt
Wed Sep 03, 2014 12:15 am
 
Forum: Investing - Theory, News & General
Topic: Why is REIT only sector fund recommended in slice & dice?
Replies: 113
Views: 7427
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