Search found 3182 matches

by Aptenodytes
Sun Aug 30, 2015 10:00 pm
Forum: Personal Consumer Issues
Topic: Prius owners and rest of Bogleheads
Replies: 33
Views: 2268

Re: Prius owners and rest of Bogleheads

Your driving patterns make you a perfect candidate for an electric car that can also run on gas when needed, such as the Chevy volt. New 2015s are available for about $23,000 if you qualify for the tax rebate. I will now reveal that I own this car and like it very much. Battery range is circa 40 mil...
by Aptenodytes
Thu Aug 27, 2015 10:01 am
Forum: Personal Consumer Issues
Topic: How to get best deal on a rental car ?
Replies: 29
Views: 2409

Re: How to get best deal on a rental car ?

The cheapest options often have horrible customer service -- always check the local reviews. In some places the premium for on-site rentals is enormous. If you care about saving money, also look outside the airport. Don't expect a lot -- I have found the on-line car rental information systems far le...
by Aptenodytes
Tue Aug 25, 2015 10:05 pm
Forum: Personal Consumer Issues
Topic: Barcode generator
Replies: 7
Views: 903

Re: Barcode generator

The software is almost definitely on your computer already. What Google searches did you try?
by Aptenodytes
Tue Aug 25, 2015 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 403(b) options
Replies: 25
Views: 772

Re: Help with 403(b) options

You can get CREF Bond indirectly through those life cycle funds. E.g. the 2010 fund is about half in CREF Bond. But that's not a very elegant or cheap solution. And TRAD still seems better to me, especially at the percentages you are talking about (5-7% of your total portfolio). I have 15% of my por...
by Aptenodytes
Tue Aug 25, 2015 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 403(b) options
Replies: 25
Views: 772

Re: Help with 403(b) options

How much will your spouse contribute annually? Will it be a meaningful amount compared to your entire portfolio and will it grow over the years? She will make the maximum contribution every year. $18,500 + employer match, which is around another $4,000, I think. If she stays in the job four years, ...
by Aptenodytes
Tue Aug 25, 2015 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 403(b) options
Replies: 25
Views: 772

Re: Help with 403(b) options

I think you'd want to find out the guaranteed and actual rates of the TRAD before deciding. Often there are different rates for employer and employee contributions, if that is an issue for you. Can you confirm that you don't have access to any of the TIAA equity vehicles, such as CREF Stock or CREF ...
by Aptenodytes
Mon Aug 24, 2015 10:24 am
Forum: Personal Consumer Issues
Topic: turn off water softener
Replies: 7
Views: 1154

Re: turn off water softener

I presume you want to turn it off so that it doesn't unnecessarily go through its recharging cycle. Some water softeners only recharge when needed, while others recharge on a schedule whether they need it or not. If you want to avoid unnecessary recharging you can turn it off. Putting it in bypass m...
by Aptenodytes
Fri Aug 21, 2015 1:43 pm
Forum: Investing - Theory, News & General
Topic: Good time for 50/50 portfolio Bonds/Equities?
Replies: 81
Views: 8650

Re: Good time for 50/50 portfolio Bonds/Equities?

I don't think there is any single right answer to this question. Nobody is perfect, and the merit of any choice depends in part on how it affects the whole range of possible mistakes you might be susceptible to. If 60% stocks is about right for you and if you have it within you to stay the course wi...
by Aptenodytes
Tue Aug 18, 2015 2:58 pm
Forum: Investing - Theory, News & General
Topic: Should you "weight" pre-tax and post-tax money differently when you AA?
Replies: 55
Views: 2345

Re: Should you "weight" pre-tax and post-tax money differently when you AA?

The purpose of an AA is to expose each asset to the right amount of risk. What happened in the past or what will happen in the future with respect to taxes does not affect the asset's current risk exposure. I should have read Ketawa's posts before posting myself. I now see the logic. I still don't ...
by Aptenodytes
Tue Aug 18, 2015 2:44 pm
Forum: Investing - Theory, News & General
Topic: Should you "weight" pre-tax and post-tax money differently when you AA?
Replies: 55
Views: 2345

Re: Should you "weight" pre-tax and post-tax money differently when you AA?

The purpose of an AA is to expose each asset to the right amount of risk. What happened in the past or what will happen in the future with respect to taxes does not affect the asset's current risk exposure.
by Aptenodytes
Tue Aug 18, 2015 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Do I actually earn more than what shows on my W-2?
Replies: 19
Views: 2163

Re: Do I actually earn more than what shows on my W-2?

My employer gives me a breakdown with each paycheck, so it is easy to compare what I get paid in real life to what my W-2 says. I also get a letter once a year telling me what my salary is. For 2014 I can look at 4 different numbers: 1) The sum of the gross pay as listed on my pay stubs. 2) The W2 i...
by Aptenodytes
Mon Aug 17, 2015 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: should my Roth IRA be more aggressive
Replies: 23
Views: 2671

Re: should my Roth IRA be more aggressive

Just about everyone seems to be overlooking the OP's claim that the Roth is destined for his estate, not meant to provide spending money in retirement. The subject should have been titled "How do I chose an AA for holdings I plan to leave to my heirs?" 1) So the simple answer is to invest ...
by Aptenodytes
Mon Aug 17, 2015 9:05 am
Forum: Investing - Help with Personal Investments
Topic: Is Savings rate better calculated via Gross or Net?
Replies: 23
Views: 1737

Re: Is Savings rate better calculated via Gross or Net?

If you want it to guide your behavior then neither. The denominator should be the total amount you could conceivably save, and you should set a target, and revisit the target once a year.

If you don't want to use the number as a guide then it doesn't matter which you choose.
by Aptenodytes
Mon Aug 17, 2015 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Chip and pin credit cards?
Replies: 28
Views: 2961

Re: Chip and pin credit cards?

These indeed are chip and signature cards. I believe it remains the case that the only source of chip and pin credit cards in the US is United Nations Federal Credit Union. There are, however, some C&S cards that will fall back on C&P. I didn't know that. So if I had such a card and I was t...
by Aptenodytes
Sun Aug 16, 2015 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Chip and pin credit cards?
Replies: 28
Views: 2961

Re: Chip and pin credit cards?

These indeed are chip and signature cards. I believe it remains the case that the only source of chip and pin credit cards in the US is United Nations Federal Credit Union.
by Aptenodytes
Sun Aug 16, 2015 3:47 pm
Forum: Investing - Theory, News & General
Topic: Short-Term Investment Grade Corporate Bond Funds
Replies: 12
Views: 1783

Re: Short-Term Investment Grade Corporate Bond Funds

To me it makes sense to imagine a two dimensional space, with default risk along one axis and duration along the other. You have choices within that whole space. If you are going to be shifting your fixed-income investments based on market signals, you want a decision rule that guides you across tha...
by Aptenodytes
Sun Aug 16, 2015 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else impatient with their car payments?
Replies: 58
Views: 4772

Re: Anyone else impatient with their car payments?

Impatience is a an emotion, and emotions are not a good guide to investment decisions. They are relevant, but at the end of the day you want logic to prevail if possible. I once paid off a 0% car loan early because I was impatient. I now realize that was quite foolish. At the time I was not maxing o...
by Aptenodytes
Sun Aug 16, 2015 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Re-evaluating AA and %international equity
Replies: 16
Views: 1720

Re: Re-evaluating AA and %international equity

A change from 30% to 40% doesn't seem worth devoting much thought to. You made the big decision not to go with market weights and plan to stick with it. Sticking with a plan is good. You chose 30% as your non-market weight. Why not stick to that too? Your suggestion is a bit like proposing to adjust...
by Aptenodytes
Sun Aug 16, 2015 9:43 am
Forum: Investing - Theory, News & General
Topic: Balanced Portfolio Vulnerable to Inflation?
Replies: 46
Views: 3539

Re: Balanced Portfolio Vulnerable to Inflation?

You may be making a version of the ecological fallacy , trying to infer things that apply to individuals by observing things at the group level. As a group, bogleheads probably have an underappreciation of the inflation threat. But that doesn't mean any individual is making a mistake. From the blimp...
by Aptenodytes
Sat Aug 15, 2015 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Tools
Replies: 11
Views: 1027

Re: Rebalancing Tools

Sorry I didn't explain better. I don't need to know what new funds to buy or sell, just looking for a tool to rebalance the funds I already have once a year or as they get too far out of the percentages I want. I know it's not hard to do with a calculator and paper but I was seeing what others may ...
by Aptenodytes
Sat Aug 15, 2015 10:42 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Tools
Replies: 11
Views: 1027

Re: Rebalancing Tools

My guess is that if you had some way to find out what everyone on this forum uses in the way of rebalancing tools (omitting "no tool" and intuition), nothing would have more than maybe 5% share. AAs, account types, mutual fund companies, rebalancing strategies, and gut-reactions-to-differe...
by Aptenodytes
Sat Aug 15, 2015 10:33 am
Forum: Investing - Theory, News & General
Topic: Looking for a graph that shows how much of your Investment Gain is taken by different ERs
Replies: 17
Views: 929

Re: Looking for a graph that shows how much of your Investment Gain is taken by different ERs

If you don't like the available graphs it would be very easy to make your own in Excel.
by Aptenodytes
Fri Aug 14, 2015 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: What does "LBYM" refer to? Beyond or Below your means?
Replies: 33
Views: 2229

Re: What does "LBYM" refer to? Beyond or Below your means?

It is an extremely obscure way to say "frugal." I don't know why anyone would use it given the ambiguity you point out and only saves you 1 keystroke.
by Aptenodytes
Fri Aug 14, 2015 11:20 am
Forum: Investing - Theory, News & General
Topic: Getting over the hurdle - Two statements conflict
Replies: 30
Views: 1882

Re: Getting over the hurdle - Two statements conflict

You are bundling all kinds of things that clearly are totally irrelevant to personal investing decisions. In fact in your list of 8 items, I believe every single one is irrelevant -- that is, there is no evidence that any of these things matter at all. There is some evidence that valuations and mome...
by Aptenodytes
Fri Aug 14, 2015 9:29 am
Forum: Investing - Theory, News & General
Topic: Getting over the hurdle - Two statements conflict
Replies: 30
Views: 1882

Re: Getting over the hurdle - Two statements conflict

You are arriving at a sentiment that many believers in efficient markets and MPT end up at, which you could frame around the idea that momentum is a discrete factor. In this sense the two statements are not in conflict. If you search the forum for "momentum" you'll see a lot of discussion ...
by Aptenodytes
Mon Aug 10, 2015 4:16 pm
Forum: Investing - Theory, News & General
Topic: Preparing for the unimaginable
Replies: 33
Views: 2991

Re: Preparing for the unimaginable

"double digit declines over 10 years" is too imprecise. 11% decline over 10 years is a two-thirds drop. 50% decline over 10 years is 100% (rounded).
by Aptenodytes
Mon Aug 10, 2015 2:40 pm
Forum: Investing - Theory, News & General
Topic: Does the Three Fund Portfolio need a roboadviser?
Replies: 80
Views: 6532

Re: Does the Three Fund Portfolio need a roboadviser?

As I understand it, Betterment is for these types of people: 1) those who know what a good portfolio is, more or less, but need a few layers of hand-holding and impulse-friction to stick with it. It is like a personal trainer. 2) those who don't know what a good portfolio is and don't have the aptit...
by Aptenodytes
Mon Aug 10, 2015 2:18 pm
Forum: Investing - Theory, News & General
Topic: Preparing for the unimaginable
Replies: 33
Views: 2991

Re: Preparing for the unimaginable

If you are a complete jerk and have zero practical skills, start turning things around.

If you are an average person, do nothing.
by Aptenodytes
Mon Aug 10, 2015 6:10 am
Forum: Personal Finance (Not Investing)
Topic: Buy a house that is registered under a sex offender[?]
Replies: 36
Views: 4181

Re: Buying a house that is registered under a sex offender

obgyn65 wrote:It is the first time I have to disagree with ER doc. I would not live in that house even it was given to me free.
EmergDoc wrote:Seems like a great way to get a pretty good discount.

You are not disagreeing with EmergDoc at all; you are providing evidence that a discount is possible.
by Aptenodytes
Sun Aug 09, 2015 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a house that is registered under a sex offender[?]
Replies: 36
Views: 4181

Re: Buying a house that is registered under a sex offender

I think that these records are updated promptly since people like to keep track of offenders. Find out who they have to report to, look up your address on a list of offenders, and if your address is still on the list, show up in their office. I don't see this as a problem. The problem is that there...
by Aptenodytes
Sat Aug 08, 2015 9:52 am
Forum: Investing - Theory, News & General
Topic: Corporate - treasury spread widening
Replies: 1
Views: 368

Corporate - treasury spread widening

The one bit of market timing I indulge in concerns the bond market. I know I'm not the only one who does so, and I don't think it is inconsistent with Boglehead philosophy. My ISP calls on me to monitor the spread between investment-grade corporate yields and treasury yields, and to move to corporat...
by Aptenodytes
Fri Jul 17, 2015 7:19 am
Forum: Personal Consumer Issues
Topic: At some point in time, is your beater worth it? [car]
Replies: 30
Views: 3323

Re: At some point in time, is your beater worth it? [car]

I presume you meant "not worth it." So you are asking if there are cars worth maintaining in perpetuity. Sure, if the car is extremely high value and your opportunity costs are extremely low. One percenters could find themselves in such a situation (Jay Leno maybe). For us average folk a c...
by Aptenodytes
Fri Jul 03, 2015 11:52 pm
Forum: Investing - Help with Personal Investments
Topic: Risks of RMD Withdrawal From A Single Fund IRA
Replies: 54
Views: 6397

Re: Risks of RMD Withdrawal From A Single Fund IRA

Isn't the simplest message that if you want to rebalance across multiple accounts and you don't like doing math, don't hold target date or other funds-of-funds. If you don't mind doing math, it more or less doesn't matter what kind of funds you have or where you take your RMDs from. (theoretically y...
by Aptenodytes
Fri Jul 03, 2015 5:17 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 542
Views: 77749

Re: What are you up YTD? [Year To Date]

3.03% ytd as of 6-30-2015. 62% equity (36% int'l; 64% domestic); 30% fixed; 8% cash This performance is totally amazing as it is double what index funds with a similar asset allocation have done. What's your secret? If Sconie had a heavy small-cap tilt in international, and had some high-performing...
by Aptenodytes
Fri Jul 03, 2015 9:04 am
Forum: Personal Consumer Issues
Topic: Will you pay to not have ads?
Replies: 35
Views: 3391

Re: Will you pay to not have ads?

While Nisi is right that you are never totally free of ads, the difference between 3 minutes at the beginning of the show and 20 minutes sprinkled throughout is night and day. Same with movies -- would you ever even set foot in a theater if those stupid ads were shown throughout the movie? I watch a...
by Aptenodytes
Fri Jul 03, 2015 1:35 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 542
Views: 77749

Re: What are you up YTD? [Year To Date]

3.37% through June 30
55% stocks, of which 50% international.
by Aptenodytes
Mon Jun 29, 2015 8:14 am
Forum: Personal Consumer Issues
Topic: Under the sink reverse osmosis water filter recommendations?
Replies: 20
Views: 2080

Re: Under the sink reverse osmosis water filter recommendations?

Interested to see others thoughts on water filters generally and RO units specifically. Cautions about removing fluoride from the water should be considered, especially if there are children drinking the water. Unless addressing specific issues, it strikes me that the home water filter/treatment mo...
by Aptenodytes
Sun Jun 28, 2015 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: What's your net worth break down? What's ideal?
Replies: 44
Views: 6888

Re: What's your net worth break down? What's ideal?

2) If you were going to attempt one anyway, you'd need both a credit and a debit entry in your ledger. Yours has only credits so one wonders where the "net" went. What? Net worth is the sum of your or assets and liabilities. If you have no liabilities then you are just talking about your ...
by Aptenodytes
Sun Jun 28, 2015 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Drawing from Retirement Savings to Delay SS
Replies: 43
Views: 4570

Re: Drawing from Retirement Savings to Delay SS

I don't quite understand the motivation behind the question. People delay SS. They pay their bills. What's the big deal? But I'll play along. 1. How much of your retirement savings in percentages do you plan on depleting in order to fund your delay? I'm about 10 years away, so this is a wild guess: ...
by Aptenodytes
Sun Jun 28, 2015 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: What's your net worth break down? What's ideal?
Replies: 44
Views: 6888

Re: What's your net worth break down? What's ideal?

1) I can't see how there could possibly be any ideal net worth breakdown.
2) If you were going to attempt one anyway, you'd need both a credit and a debit entry in your ledger. Yours has only credits so one wonders where the "net" went.
by Aptenodytes
Tue Jun 16, 2015 6:33 am
Forum: Investing - Help with Personal Investments
Topic: SPIA or Vanguard fund for income at 80?
Replies: 35
Views: 4116

Re: SPIA or Vanguard fund for income at 80?

Your Aunt isn't following what we would consider a rational strategy, but she isn't following an irresponsible strategy. She is hoarding cash and spending way below her means. If she wants to spend a fraction more (still way below her means) while making the fewest possible changes to her investment...
by Aptenodytes
Mon Jun 15, 2015 7:20 am
Forum: Personal Consumer Issues
Topic: Best place to purchase a summer hat
Replies: 26
Views: 2987

Re: Best place to purchase a summer hat

The best place is probably while on vacation in the southern hemisphere while on a fantastic vacation. The hat will remind you of your vacation every time you wear it. In fact, buy more than one or two. Macchu Picchu? Uluru? Capetown? Patagonio? That's what I was going to say! A benefit of the remi...
by Aptenodytes
Mon Jun 15, 2015 7:16 am
Forum: Personal Consumer Issues
Topic: Where do you keep your to do list?
Replies: 60
Views: 5776

Re: Where do you keep your to do list?

My to-do list is a MS Word file. I have developed my time- and task-management system many years ago, and changing it now would be difficult. In my experience, having multiple to-do lists is worse than not having one at all: their coordination and reconciliation are a nightmare and they pose a high...
by Aptenodytes
Mon Jun 15, 2015 7:13 am
Forum: Investing - Theory, News & General
Topic: Small Cap (Value) Tilt vs. Market Weight
Replies: 52
Views: 6423

Re: Small Cap (Value) Tilt vs. Market Weight

Diversification and tilting are two different strategies. You diversify among things that have relatively low correlation with each other so as to smooth out the bumps in your portfolio's growth trajectory. You tilt in order to capture a premium in an asset factor. In some cases you might both at on...
by Aptenodytes
Sun Jun 14, 2015 1:11 pm
Forum: Personal Consumer Issues
Topic: Good hotels and restaurants in Vienna, Salzburg
Replies: 9
Views: 880

Re: Good hotels and restaurants in Vienna, Salzburg

I stayed recently at the Ambassador in Vienna, about $200/night -- if it has twin beds it will suit you.

I don't like Sacher Torte but I suppose it is mandatory to try it.
by Aptenodytes
Sun Jun 14, 2015 1:04 pm
Forum: Personal Consumer Issues
Topic: Where do you keep your to do list?
Replies: 60
Views: 5776

Re: Where do you keep your to do list?

This is one of those "the best solution is the one that works for you" questions. I use a combination of Evernote and a 3.5x5 pocket notebook. But there are a zillion ways to meet such needs and what works for one person won't always work for another. The logic behind the Getting Things Do...
by Aptenodytes
Sat Jun 13, 2015 4:24 pm
Forum: Investing - Theory, News & General
Topic: Aren't bogleheads predicting the long term?
Replies: 84
Views: 8991

Re: Aren't bogleheads predicting the long term?

You seem more interested in questions than answers.

What information exactly do you seek, and what will you do with it when you get it? I can't tell.
by Aptenodytes
Fri Jun 12, 2015 2:42 pm
Forum: Personal Consumer Issues
Topic: Car dealer wants me to compensate for underpayment
Replies: 182
Views: 13950

Re: Car dealer wants me to compensate for underpayment

Good timing. I was thinking about PMing everyone who chipped in and wasn't looking forward to that. I want to repeat my thanks to everyone who offered insights. And I wish I didn't have such an anticlimactic "update" but the fact is there is just no movement. To reiterate the sequence: 1) ...

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