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Re: Persistence of SV performance

I laugh everytime someone throws out the "science" word when speaking about finance. Finance is as much of a science as palm reading. It's not actually astrology or palm reading. There is a basic underpinning reality to investing: in aggregate and in the long run, people insist on receivi...
by Alex Frakt
Tue Jul 15, 2014 12:25 pm
 
Forum: Investing - Theory, News & General
Topic: Persistence of SV performance
Replies: 71
Views: 3828

Re: Help With Costless Collar Option Implementation

The OP stated that most of their equity position is held in VTI. This isn't a case where you would typically look for hedges, such as being stuck with large amounts of employer stock. No, OP said he was looking at VTI options, but that if the calls were exercised, he would have to convert his other...
by Alex Frakt
Wed Jul 02, 2014 9:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help With Costless Collar Option Implementation
Replies: 17
Views: 949

Re: Help With Costless Collar Option Implementation

Since people insist on discussing the merits of OP's plan rather than its implementation, I will note that collars are a lower risk, lower return strategy that may be appropriate when you think the market valuation of your holding is getting too high, and yet you are reluctant to sell for either ta...
by Alex Frakt
Wed Jul 02, 2014 1:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help With Costless Collar Option Implementation
Replies: 17
Views: 949

Re: How to admit/should I admit alcohol problem to employer

Under the Americans with Disabilities Act, you cannot be legally terminated for admitting you are an alcoholic, nor seeking treatment for alcoholism. Nor can your employer subject you to additional testing or other requirements compared to your fellow employees (except for a few specified categories...
by Alex Frakt
Wed Jul 02, 2014 12:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to admit/should I admit alcohol problem to employer
Replies: 97
Views: 10376

Re: How to admit/should I admit alcohol problem to employer

I'm posting to verify that this is indeed from a active, long-time member.

Also, please keep your comments on the employment issue presented here. Off-topic comments will be removed and the poster will likely be warned.
by Alex Frakt
Wed Jul 02, 2014 12:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to admit/should I admit alcohol problem to employer
Replies: 97
Views: 10376

Re: Hitting "The Number" too early

Don't get hung up on "The Number." It is nothing more than a shorthand way of referring to the complex and dynamic question, "Where am I on the path to retirement?" Frankly, I don't even bother with a number. It sounds like you are not ready to retire for non-financial reasons. S...
by Alex Frakt
Tue Jul 01, 2014 7:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hitting "The Number" too early
Replies: 49
Views: 5386

Re: "most [] research findings in financ[e] are likely false"

More importantly, this paper is in favor of indexing strategy because it's rejecting other factors such as SMB (=size). OTOH, the value and momentum factors are still significant. Small still matters for individual investors, unless you have the Panglossian view that stock prices are perfect at all...
by Alex Frakt
Tue Jul 01, 2014 12:27 pm
 
Forum: Investing - Theory, News & General
Topic: "most [] research findings in financ[e] are likely false"
Replies: 62
Views: 3789

Re: Best way to start building wealth as a teenager

Since you will have earned income and a very low current tax bracket, the specific kind of account you want - in addition to your checking and/or savings account - is a Roth IRA. This is a type of retirement account in which you do not get a tax deduction when you put the money in, but earnings insi...
by Alex Frakt
Tue Jul 01, 2014 12:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Best way to start building wealth as a teenager
Replies: 28
Views: 2333

Re: Personal Life subforum?

I don't see a need to go beyond what we have already, as it dilutes the purpose of this forum. I never wrote a formal mission statement for the site. But if I had, supporting our community of regular posters and readers would definitely be part of that mission. The question, as always, is how to be...
by Alex Frakt
Wed Jun 18, 2014 1:44 am
 
Forum: Forum Issues and Administration
Topic: Personal Life subforum?
Replies: 97
Views: 4693

Re: Personal Life subforum?

roymeo wrote:Only as a place for the moderators to throw the Diamond, Wedding, Watch threads.

Actually, I was thinking of chucking all the career, college, and private school threads in it.
by Alex Frakt
Wed Jun 18, 2014 1:36 am
 
Forum: Forum Issues and Administration
Topic: Personal Life subforum?
Replies: 97
Views: 4693

Re: Personal Life subforum?

Wouldn't this be counter to efforts to make the existing forum a charity that is based on financial education ? There is no such effort. This site is privately owned by myself and Larry Auton. The charity, the John C. Bogle Center for Financial Literacy, is a separate endeavor. The Center has been ...
by Alex Frakt
Wed Jun 18, 2014 1:34 am
 
Forum: Forum Issues and Administration
Topic: Personal Life subforum?
Replies: 97
Views: 4693

Re: Personal Life subforum?

I should note that I mine threads like this for ideas. It's not a poll and I'm not making any promises.
by Alex Frakt
Tue Jun 17, 2014 3:15 pm
 
Forum: Forum Issues and Administration
Topic: Personal Life subforum?
Replies: 97
Views: 4693

Re: Personal Life subforum?

Maybe I don't get around enough, lol - but the other forums I belong to, that have a "Lounge" section for off topic postings don't seem to experience spamming, off color language or totally bizarre topics, etc. ...maybe because the people allowed to post are already existing members of th...
by Alex Frakt
Tue Jun 17, 2014 2:01 pm
 
Forum: Forum Issues and Administration
Topic: Personal Life subforum?
Replies: 97
Views: 4693

Re: Personal Life subforum?

A couple of quick points. Don't worry about moderating. Just as when we launched this forum, I'd moderate at the beginning and we'd probably recruit a new mod or two for just this forum. The question about this diluting the membership is why I asked about public versus private. We can easily set it ...
by Alex Frakt
Tue Jun 17, 2014 1:55 pm
 
Forum: Forum Issues and Administration
Topic: Personal Life subforum?
Replies: 97
Views: 4693

Re: Personal Life subforum?

I think I'm talking myself into two forums, a public one to discuss personal life questions as outlined by kayanco and an (opt-in?, separate homepage?) private one for member-to-member requests.
by Alex Frakt
Tue Jun 17, 2014 12:52 pm
 
Forum: Forum Issues and Administration
Topic: Personal Life subforum?
Replies: 97
Views: 4693

Re: Forums like Bogleheads, for Life ?? (other aspects)

I created a new thread for discussing adding such a subforum on this site at viewtopic.php?f=3&t=141316 . Followups on that topic should go there.

Let's keep this thread dedicated to other existing sites that are relevant to the OP's question.
by Alex Frakt
Tue Jun 17, 2014 12:46 pm
 
Forum: Personal Consumer Issues
Topic: Forums like Bogleheads, for Life ?? (other aspects)
Replies: 56
Views: 4301

Personal Life subforum?

Following up on the thread by kayanco at http://www.bogleheads.org/forum/viewtopic.php?f=11&t=141283 Are there others forums like Bogleheads, but for other things in life? Which have a good group of people or community, based on sound principles, based on years of experience and research. For th...
by Alex Frakt
Tue Jun 17, 2014 12:44 pm
 
Forum: Forum Issues and Administration
Topic: Personal Life subforum?
Replies: 97
Views: 4693

Re: Forums like Bogleheads, for Life ?? (other aspects)

As long as it's limited to personal issues, I'd consider adding such a subforum here. I think we need a new thread to discuss this and I'd have to think through the implications to privacy and demands on moderator time. The forum software does give us some tools to control this, for example we can k...
by Alex Frakt
Tue Jun 17, 2014 12:34 pm
 
Forum: Personal Consumer Issues
Topic: Forums like Bogleheads, for Life ?? (other aspects)
Replies: 56
Views: 4301

Re: Car for a long daily commute

Good luck. Just keep in mind that time with your small child is precious. They are different creatures nearly every day and you'll never get a chance to get back what you have missed. Also no one has ever looked back on their life and said, "I wish I spent more time commuting."
by Alex Frakt
Tue Jun 17, 2014 12:17 pm
 
Forum: Personal Consumer Issues
Topic: Car for a long daily commute
Replies: 75
Views: 5885

Re: Saving Topics Offline

The old version of our forum software did this by default when you clicked Print View (the little printer icon at the upper right, next to the word Blog). I hadn't realized they had changed that to only showing the posts on the current page. There is a software mod that will allow us to bring this f...
by Alex Frakt
Tue Jun 17, 2014 11:59 am
 
Forum: Forum Issues and Administration
Topic: Saving Topics Offline
Replies: 2
Views: 408

Re: Keeping up with bogleheads.org volume, staying organized

The thread list on the homepage is sorted by most recent reply by default. If you don't like the default sort, you can click any of the links in the column headings to re-sort. Those links are also bookmarkable. We don't have an alphabetical sort, but if you don't like threads jumping around, click ...
by Alex Frakt
Tue Jun 17, 2014 11:34 am
 
Forum: Forum Issues and Administration
Topic: Keeping up with bogleheads.org volume, staying organized
Replies: 11
Views: 1155

Re: Would any number make you change your asset allocation?

I slice and dice (including splitting international into Europe, Pacific, EM and value) and hold bonds. Changes in relative asset class valuations take care of themselves when I rebalance. FWIW, I have an excellent record of recognizing bubbles, I called a tech stock bubble in 1999, real estate bubb...
by Alex Frakt
Tue Jun 17, 2014 11:13 am
 
Forum: Investing - Theory, News & General
Topic: Would any number make you change your asset allocation?
Replies: 58
Views: 3439

Re: Forums like Bogleheads, for Life ?? (other aspects)

Barefootgirl wrote:One good thing about FB is no cost, no commitment.

Except for the cost of, and commitment to, constantly monitoring their ever-changing privacy policies. And self-monitoring what you post on a non-anonymous forum.
by Alex Frakt
Tue Jun 17, 2014 10:59 am
 
Forum: Personal Consumer Issues
Topic: Forums like Bogleheads, for Life ?? (other aspects)
Replies: 56
Views: 4301

Re: What octane gas do you use to fill your car?

Which is why I differentiated between older and newer cars. However, pre-detonation has to occur for the sensors to pick it up. I'd bet some solid money that if you disassembled your engine and examined the inside of the cylinders and the piston heads that you have some damage. With a modern engine...
by Alex Frakt
Tue Jun 17, 2014 9:40 am
 
Forum: Personal Consumer Issues
Topic: What octane gas do you use to fill your car?
Replies: 76
Views: 5344

Re: Shopping at Costco

I forgot that they don't take either VISA or Master Card. I had to use my debit card. Not an issue, unless you forget to bring it. Does everyone walk in with their pockets stuffed with cash? Or do lots of people have debit cards I have never understood having a debit card. They take American Expres...
by Alex Frakt
Tue Jun 17, 2014 3:57 am
 
Forum: Personal Consumer Issues
Topic: [can you] shop at Costco [without a membership?]
Replies: 68
Views: 4829

Re: Car for a long daily commute

No argument that Irvine is a great place to live and bring up kids. My parents moved there for a couple of years after I went to college. My (younger) brother graduated from Uni High and went on to UC Irvine. He'd love to get back there if he could wrangle it. But you have a 9 month old. I also have...
by Alex Frakt
Tue Jun 17, 2014 3:43 am
 
Forum: Personal Consumer Issues
Topic: Car for a long daily commute
Replies: 75
Views: 5885

Re: Collar Weighting

Despite their claims, it's just another "fundamental" indexing scheme. Like the rest, it adds a datamined small and value (SV) tilt to TSM: their specific measures are revenue (size), forecast book value (value) and forecast dividends (value). Look at Appendix B and A (in that order) and t...
by Alex Frakt
Tue Jun 17, 2014 2:26 am
 
Forum: Investing - Theory, News & General
Topic: Collar Weighting
Replies: 4
Views: 600

Re: What octane gas do you use to fill your car?

Here's something I posted on a previous thread on this topic. Here's some excerpts from a USA Today article on the subject. "I personally use regular even though my owner's manual says you'll get better performance with premium," says Lewis Gibbs, consulting engineer and 45-year veteran at...
by Alex Frakt
Mon Jun 16, 2014 7:22 pm
 
Forum: Personal Consumer Issues
Topic: What octane gas do you use to fill your car?
Replies: 76
Views: 5344

Re: Engagement Ring - Diamond Help

Let's keep replies focused on the OP's question please.
by Alex Frakt
Fri Jun 13, 2014 11:46 am
 
Forum: Personal Consumer Issues
Topic: Engagement Ring - Diamond Help
Replies: 57
Views: 3107

Re: running shoes for a severe overpronator(flatfoot)

marc515 wrote:Yes, but there's nothing that indicates it isn't a medical condition either!

The OP is currently running and didn't mention any problem other than his shoes being too tight.
by Alex Frakt
Thu Jun 12, 2014 3:03 pm
 
Forum: Personal Consumer Issues
Topic: running shoes for a severe overpronator(flatfoot)
Replies: 45
Views: 2814

Re: running shoes for a severe overpronator(flatfoot)

Some good suggestions here, but none of us know what's going on with your feet other than you indicating you have flat feet. I have flat feet, and custom orthotics are the only thing that works for me. Rather than take advice from an online forum, I would see an orthopedic doctor and have your feet...
by Alex Frakt
Thu Jun 12, 2014 10:52 am
 
Forum: Personal Consumer Issues
Topic: running shoes for a severe overpronator(flatfoot)
Replies: 45
Views: 2814

Re: running shoes for a severe overpronator(flatfoot)

Nearly all of my shoes are minimalist/zero-drop type now for the past couple of years. My favorite exercise shoes by far are Lems, I wear the Primal2 version. One plus on minimalist shoes is you don't have to replace them until they are falling apart as there isn't all the foams to break down in 20...
by Alex Frakt
Thu Jun 12, 2014 2:27 am
 
Forum: Personal Consumer Issues
Topic: running shoes for a severe overpronator(flatfoot)
Replies: 45
Views: 2814

Re: Car for a long daily commute

No argument that moving would solve the issue, but OC is far superior to LA county (in my opinion) for quality of life and raising a child (especially in the area we are in). So moving is not really an option at this point for us (plus, given that our house is probably still underwater, it'd be tou...
by Alex Frakt
Wed Jun 11, 2014 5:18 pm
 
Forum: Personal Consumer Issues
Topic: Car for a long daily commute
Replies: 75
Views: 5885

Re: Bond ETFs a certain loss?

BTW, your safe money doesn't have to be all bonds. A quick look suggests that you can find savings account yields from Canadian banks that match or beat short to intermediate term government bond yields. Perhaps split your non-equity holdings into a mix of savings and Intermediate Term Corporate bon...
by Alex Frakt
Wed Jun 11, 2014 12:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond ETFs a certain loss?
Replies: 16
Views: 1158

Re: Bond ETFs a certain loss?

#2 is overly optimistic. There is no guarantee that equities will outperform bonds over any given 10 year period. You are also missing that holding bonds and rebalancing during equity downturns allows you to buy more equities at bargain prices. Finally, you need to be very wary of basing your decisi...
by Alex Frakt
Wed Jun 11, 2014 1:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond ETFs a certain loss?
Replies: 16
Views: 1158

Re: "Is Bogle Befuddling?"

Thanks for the idea to look to the SEC. However, some of what you reported seems a little misleading. Here are the actual sector breakdowns reported in the "Sector Diversification" tables for the 2006 and 2013 SEC Forms N-CSR: Total Bond Market Index Fund Sector Diversification (% of port...
by Alex Frakt
Wed Jun 11, 2014 1:28 am
 
Forum: Investing - Theory, News & General
Topic: "Is Bogle Befuddling?"
Replies: 57
Views: 7058

Re: Car for a long daily commute

I work for an engine company. Honda engines are competition and thus I will not own any Honda product. The same goes for Subaru. It would help your cause if you explained yourself. Uh, I think I just did. Can you define or explain what you call a "competition engine" Both Subaru and Honda...
by Alex Frakt
Tue Jun 10, 2014 1:53 pm
 
Forum: Personal Consumer Issues
Topic: Car for a long daily commute
Replies: 75
Views: 5885

Re: Car for a long daily commute

For us, the pay raise is substantial to offset/exceed the "all in" costs of the commute, and career advancement opportunity is excellent as well. It was also somewhat of a case of "well, you can stay at the current job but risk not having a job in several months if the work load isn'...
by Alex Frakt
Tue Jun 10, 2014 1:14 pm
 
Forum: Personal Consumer Issues
Topic: Car for a long daily commute
Replies: 75
Views: 5885

Re: "Is Bogle Befuddling?"

For short and intermediate treasuries, I've always thought that since there is a great deal of demand for these regardless of yield, prices must be higher than they would be if people bought them just because of their function in portfolio construction theory. Alex- do you mean they should be avoid...
by Alex Frakt
Tue Jun 10, 2014 1:07 pm
 
Forum: Investing - Theory, News & General
Topic: "Is Bogle Befuddling?"
Replies: 57
Views: 7058

Re: "Is Bogle Befuddling?"

Do you have any documentation of the changes in the Total Bond Market Index fund between 2006 or 2007 when The Little Book of Common Sense Investing was written and now? Just how different is it? I looked for previous annual reports for the fund, but was unsuccessful in finding any. It would surpri...
by Alex Frakt
Tue Jun 10, 2014 12:54 pm
 
Forum: Investing - Theory, News & General
Topic: "Is Bogle Befuddling?"
Replies: 57
Views: 7058

Re: "Is Bogle Befuddling?"

Note that my bond holdings may change in retirement as bonds take on a different role in my portfolio. FWIW, at one of the Bogleheads conferences, I asked the panel about using Intermediate Corps as a sole bond holdings and they all agreed it was in the realm of the reasonable. Alex, How might your...
by Alex Frakt
Tue Jun 10, 2014 11:31 am
 
Forum: Investing - Theory, News & General
Topic: "Is Bogle Befuddling?"
Replies: 57
Views: 7058

Re: How To Encourage A Young (Sensitive) Child In Sports

My son doesn’t really play sports outsides of an organized team. Well, I should say that in his own spare time he doesn’t play sports the way they are intended to be played. What you mean here is that he doesn't play sports the way you think they should be played. Left alone, kids make up the rules...
by Alex Frakt
Mon Jun 09, 2014 1:28 pm
 
Forum: Personal Consumer Issues
Topic: How To Encourage A Young (Sensitive) Child In Sports
Replies: 115
Views: 5458

Re: Car for a long daily commute

A motorcycle also grants you access to the HOV lane...no sticker required! Just sayin'. :) I see the smiley, but I want to answer seriously. I rode a motorcycle in Los Angeles for several years. I believe you can do it safely, but doing so requires a continuous mental effort far greater than that r...
by Alex Frakt
Mon Jun 09, 2014 1:13 pm
 
Forum: Personal Consumer Issues
Topic: Car for a long daily commute
Replies: 75
Views: 5885

Re: Car for a long daily commute

The new job does come with a significant pay bump and title promotion I'm not picking on you, but this brings up a general question. How many people factor in all of the costs when making a job decision? Based on the current IRS standard mileage rate and California tax rates, this commute will eat ...
by Alex Frakt
Mon Jun 09, 2014 1:07 pm
 
Forum: Personal Consumer Issues
Topic: Car for a long daily commute
Replies: 75
Views: 5885

Re: Anti-inflation portfolio allocation

It is my understanding that those segments of our economy have outperformed the broader indices during times of higher inflation. BJ Here's a more nuanced look at how asset classes have performed during different periods of high inflation: http://www.pimco.com/EN/Insights/Pages/Inflation-Regime-Shi...
by Alex Frakt
Mon Jun 09, 2014 12:43 pm
 
Forum: Investing - Theory, News & General
Topic: Anti-inflation portfolio allocation
Replies: 6
Views: 620

Re: How To Encourage A Young (Sensitive) Child In Sports

mephistophles wrote:Alex,
We think alike. I applaud your genius on this topic. Seriously.
ole meph

Thank you. That's an awfully nice thing to say.
by Alex Frakt
Mon Jun 09, 2014 1:40 am
 
Forum: Personal Consumer Issues
Topic: How To Encourage A Young (Sensitive) Child In Sports
Replies: 115
Views: 5458

Re: How To Encourage A Young (Sensitive) Child In Sports

Sometimes he wants to repeat a class, sometimes he wants to quit halfway through. Other than introducing new activities and insisting he go at least twice to any new class, I let him have his way. It really doesn't matter. The quitting would concern me, depending on how often it occurs and at what ...
by Alex Frakt
Mon Jun 09, 2014 1:28 am
 
Forum: Personal Consumer Issues
Topic: How To Encourage A Young (Sensitive) Child In Sports
Replies: 115
Views: 5458

Re: How To Encourage A Young (Sensitive) Child In Sports

I guess we'll just take a break and then see how it goes...might just be sick of playing for right now. I sincerely doubt that. Sick of organized sports activities perhaps. They two are not the same thing for a child. I've got a 5 1/2 year old. We've been doing different recreational activities thr...
by Alex Frakt
Mon Jun 09, 2014 12:20 am
 
Forum: Personal Consumer Issues
Topic: How To Encourage A Young (Sensitive) Child In Sports
Replies: 115
Views: 5458

Re: Car for a long daily commute

Hybrids haven't been allowed in the HOV lanes (except if actually carpooling) in California since July 2011, with or without a yellow sticker. A white or green sticker will work, however: http://www.arb.ca.gov/msprog/carpool/carpool.htm Motorcycles are also allowed. In other words, you'd need a plu...
by Alex Frakt
Sun Jun 08, 2014 11:46 pm
 
Forum: Personal Consumer Issues
Topic: Car for a long daily commute
Replies: 75
Views: 5885
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