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Re: Camcorder vs. iPhone vs. DSLR Camera

A fourth option is a non-DSLR camera that is very high quality and that you can put in your pocket or purse. Take a look at the Sony RX-100 series. These take fast excellent photos in low light because of the larger image sensor. The videos are nice as well. I've stopped using my DSLR for the most p...
by BillyG
Tue Dec 16, 2014 1:57 pm
 
Forum: Personal Consumer Issues
Topic: Camcorder vs. iPhone vs. DSLR Camera
Replies: 39
Views: 2010

Re: Foreign Investors Pile Into Bonds

Does this mean that buying US Treasuries has an aspect that is like buying foreign bonds, but without the currency risk? Just kidding, but about 20% serious... considering that buying U.S. stocks gives you some international exposure to foreign businesses of the U.S. companies, although stock econom...
by BillyG
Tue Dec 16, 2014 12:39 pm
 
Forum: Investing - Theory, News & General
Topic: Foreign Investors Pile Into Bonds
Replies: 2
Views: 611

Foreign Investors Pile Into Bonds

From the WSJ -- Google the title to get non-paying access: http://www.wsj.com/articles/foreign-investors-pile-into-bonds-1418690550?mod=WSJ_hp_LEFTWhatsNewsCollection "Regardless, buying U.S. Treasury bonds has been a winning strategy this year for investors. The debt has a total return, reflec...
by BillyG
Tue Dec 16, 2014 11:16 am
 
Forum: Investing - Theory, News & General
Topic: Foreign Investors Pile Into Bonds
Replies: 2
Views: 611

Re: Harvey paper says re-balancing adds risk

Browser, That sounds about right. It probably doesn't make much difference except to Bogleheads who overthink and overanalyze on their way to "staying the course." Nothing wrong with that. And you're right that forgetting to rebalance sometimes ends up well in terms of letting momentum wor...
by BillyG
Sat Dec 13, 2014 1:10 pm
 
Forum: Investing - Theory, News & General
Topic: Harvey paper says re-balancing adds risk
Replies: 73
Views: 4831

Re: Harvey paper says re-balancing adds risk

I have yet to hear a good answer as to why the different treatment for rebalancing with new money versus buy/sell existing funds. Billy As far as I'm concerned, you answered the question yourself. There's an expense when buying/selling in both fees and taxes, so unless your portfolio moves way out ...
by BillyG
Sat Dec 13, 2014 12:14 pm
 
Forum: Investing - Theory, News & General
Topic: Harvey paper says re-balancing adds risk
Replies: 73
Views: 4831

Re: Harvey paper says re-balancing adds risk

I have yet to hear a good answer as to why the different treatment for rebalancing with new money versus buy/sell existing funds.
Billy
by BillyG
Fri Dec 12, 2014 9:59 pm
 
Forum: Investing - Theory, News & General
Topic: Harvey paper says re-balancing adds risk
Replies: 73
Views: 4831

Re: Harvey paper says re-balancing adds risk

I have a question. Maybe there's a simple answer but it's escaping me now. Most people agree that it makes sense to rebalance to maintain AA when adding "new money" to a portfolio. Please correct me if I'm wrong that "most people" advise doing this. What is the theoretical or pr...
by BillyG
Fri Dec 12, 2014 12:47 pm
 
Forum: Investing - Theory, News & General
Topic: Harvey paper says re-balancing adds risk
Replies: 73
Views: 4831

Re: Harvey paper says re-balancing adds risk

I have a question. Maybe there's a simple answer but it's escaping me now. Most people agree that it makes sense to rebalance to maintain AA when adding "new money" to a portfolio. Please correct me if I'm wrong that "most people" advise doing this. What is the theoretical or pra...
by BillyG
Fri Dec 12, 2014 12:21 pm
 
Forum: Investing - Theory, News & General
Topic: Harvey paper says re-balancing adds risk
Replies: 73
Views: 4831

Re: Ad hoc travel to Antarctica

Victoria, Thank you for starting another fascinating thread. Before reading this, visiting Antarctica was not high on my list of places to visit. Not that I didn't want to visit but there were other destinations crowding out the view. Now I can't stop thinking about it and the adventure that awaits ...
by BillyG
Tue Dec 09, 2014 4:12 pm
 
Forum: Personal Consumer Issues
Topic: Ad hoc travel to Antarctica
Replies: 51
Views: 2609

Re: Harvey paper says re-balancing adds risk

when stocks are moving up, rebalancing decreases risk (moving stocks to bonds). When stocks are moving down, rebalancing adds risk (moving bonds to stocks). As pointed out upthread, the goal is to maintain risk at a fairly constant level. You are not getting to the heart of the idea though because ...
by BillyG
Tue Dec 09, 2014 3:58 pm
 
Forum: Investing - Theory, News & General
Topic: Harvey paper says re-balancing adds risk
Replies: 73
Views: 4831

Re: Ad hoc travel to Antarctica

Victoria,

I don't have any direct advice but I find Tripadvisor very helpful in my travels. I looked at the Ushuaia forum and was directed to the Antarctica forum below -- there's a fair amount of information here!
http://www.tripadvisor.com/ShowForum-g1 ... tures.html

Billy
by BillyG
Mon Dec 08, 2014 6:22 pm
 
Forum: Personal Consumer Issues
Topic: Ad hoc travel to Antarctica
Replies: 51
Views: 2609

Re: Youngster talented in science and math

For me, model rocketry were the kits I enjoyed the most. After all, what's better than a legitimate way to work with explosives for a teen-age boy. I almost seriously injured myself trying to reload an Estes rocket engine with match heads. I re-loaded Estes model rocket engines, too. I did a scienc...
by BillyG
Mon Dec 08, 2014 10:40 am
 
Forum: Personal Consumer Issues
Topic: Youngster talented in science and math
Replies: 47
Views: 3301

Re: Vanguard Gave the Only Honest Rollover Advice (In a Surv

Thanks for the excellent posts Billy. The culture at Vanguard is different because of Jack Bogle's efforts. Thank you again St. Jack. You could have pursued being a billionaire, but you chose to keep costs low and help the individual investor. You are not one of the billionaire Johnsons. Thank you....
by BillyG
Fri Dec 05, 2014 3:17 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Gave the Only Honest Rollover Advice (In a Survey)
Replies: 12
Views: 2035

Re: Vanguard Gave the Only Honest Rollover Advice (In a Surv

Last winter, he called 15 financial-services firms to ask for advice on whether he ought to roll over—or transfer—the retirement money he had saved via a 401(k)-type plan in his prior job at the U.S. Labor Department to an IRA. If the question was exactly as stated, I'm surprised that the reps, inc...
by BillyG
Thu Dec 04, 2014 9:11 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Gave the Only Honest Rollover Advice (In a Survey)
Replies: 12
Views: 2035

Re: Vanguard Gave the Only Honest Rollover Advice (In a Surv

Holy cow. Good for Vanguard. I am really impressed. I try not to be more enthusiastic about Vanguard than they deserve, but that is just great. I agree. It was not by any means a scientific survey, and you never know who will pick up the phone on the other side of an 800 call, but I am impressed to...
by BillyG
Thu Dec 04, 2014 7:31 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Gave the Only Honest Rollover Advice (In a Survey)
Replies: 12
Views: 2035

Re: Stanley Kubrick's 2001 a space odyssey

I loved the movie when it came out. After I set up my home theater it was the first Blu-ray Disc I watched -- and I made my wife and kids watch it with me. Afterwards my kids said "Dad, that was weird" and they looked at me funny. They also don't trust my movie recommendations anymore. Oh ...
by BillyG
Thu Dec 04, 2014 7:29 pm
 
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 64
Views: 3965

Re: Wanted: Investors’ Horror Stories About Advisers

Good point -- I will edit my post to put the warning up front. The link is directly from the WSJ article. As I understand it they are looking for verifiable complaints/stories about advisers, not anonymous stories.
Billy
by BillyG
Thu Dec 04, 2014 6:35 pm
 
Forum: Investing - Theory, News & General
Topic: Wanted: Investors’ Horror Stories About Advisers
Replies: 2
Views: 417

Wanted: Investors’ Horror Stories About Advisers

WSJ article by Karen Damato says: http://blogs.wsj.com/totalreturn/2014/12/04/wanted-investors-horror-stories-about-advisers/?mod=WSJ_hps_sections_yourmoney "The Consumer Federation of America recently launched an online questionnaire seeking investors’ stories. The aim: to help in pushing for ...
by BillyG
Thu Dec 04, 2014 6:24 pm
 
Forum: Investing - Theory, News & General
Topic: Wanted: Investors’ Horror Stories About Advisers
Replies: 2
Views: 417

Vanguard Gave the Only Honest Rollover Advice (In a Survey)

See: Ditch a Super-Cheap 401(k) for an IRA? Sure, IRA Sellers Say http://blogs.wsj.com/totalreturn/2014/12/04/ditch-a-super-cheap-401k-for-an-ira-sure-ira-sellers-say/ "Eleven of the 15 firms—including Bank of America, Merrill Lynch, Wells Fargo, T. Rowe Price Group -- told him to roll the mone...
by BillyG
Thu Dec 04, 2014 5:19 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Gave the Only Honest Rollover Advice (In a Survey)
Replies: 12
Views: 2035

Re: What % of your fixed-income is TIPs?

I'm 60/40 stocks/bonds and 25% of my bond portfolio is in TIPS -- in other words 10% of my total allocation is TIPS in Vanguard's intermediate TIPS fund. I'm not sure if I'll keep the same TIPS ratio if and when I change my asset allocation with age. I guess I have some work to do on my IPS for futu...
by BillyG
Tue Dec 02, 2014 11:38 pm
 
Forum: Investing - Theory, News & General
Topic: What % of your fixed-income is TIPs?
Replies: 71
Views: 3504

Re: Why Bother With Bonds free Kindle download/Nov.21 - Nov.

I bought the book and read it before the free Kindle version became available, and it was well worth it -- a very good book for Bogleheads and those who are not (yet) Bogleheads.
Billy
by BillyG
Sun Nov 23, 2014 11:02 pm
 
Forum: Investing - Theory, News & General
Topic: Why Bother With Bonds free Kindle download/Nov.21 - Nov.25
Replies: 26
Views: 3313

Re: Want to Save Money: Be grateful

Good stuff: "Psychologists have long known that negative emotions like anger and fear can alter decisions (often for the worse), but until recently, we haven’t focused on the effects of positive emotions on decision making. The emotion of gratitude, viewed from a cost-benefit perspective, stres...
by BillyG
Sun Nov 23, 2014 10:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Want to Save Money: Be grateful
Replies: 11
Views: 2887

Re: New Tony Robbins Book on Financial Freedom

Tony Robbins interview on wsj.com: http://www.wsj.com/video/tony-robbins-on-what-makes-him-angry/D8594FEB-DF3D-4E3D-924B-BA01A43FCCF1.html?mod=trending_now_video_4 You know, when Tony Robbins said he has interviewed the 50 most financially successful people to learn their "secrets" this is...
by BillyG
Fri Nov 21, 2014 3:08 pm
 
Forum: Investing - Theory, News & General
Topic: New Tony Robbins Book on Financial Freedom
Replies: 85
Views: 16476

Re: Bob Brinker portfolio

The fact that his newsletter is called Market[-]Timer should be enough to scream non-Boglehead.
Billy
by BillyG
Tue Nov 18, 2014 10:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Bob Brinker portfolio
Replies: 40
Views: 6668

Re: Bob Brinker portfolio

I thank everyone who had input. I have learned a lot from this website. Although I have learned a lot about investing, saving and no-load mutual funds from Mr. Brinker, I have decided to follow the BH approach. I have decided to go 70/30 with 4 core fund portfolio based on Rick Ferri's recommendati...
by BillyG
Sun Nov 16, 2014 7:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bob Brinker portfolio
Replies: 40
Views: 6668

Re: New Tony Robbins Book on Financial Freedom

There is one thing Tony Robbins is certainly very,very good at.....making money.Like him or not he is also one of the best motivational speakers/life coaches.I bought some of his tapes about 25 years ago.I still remember how he spoke about the need for certainty and uncertainty in our lives,which g...
by BillyG
Sun Nov 16, 2014 10:19 am
 
Forum: Investing - Theory, News & General
Topic: New Tony Robbins Book on Financial Freedom
Replies: 85
Views: 16476

Re: How to buy "junk" bonds as an individual investor?

If you are thinking of diversifying your portfolio with bonds I suggest you take a look at this book -- it is a quick read -- called "Why Bother With Bonds." http://www.bogleheads.org/forum/viewtopic.php?f=10&t=149909 You are taking your risk with stocks, and one main purpose of bonds ...
by BillyG
Sun Nov 16, 2014 10:11 am
 
Forum: Investing - Help with Personal Investments
Topic: How to buy "junk" bonds as an individual investor?
Replies: 24
Views: 1555

Re: New Tony Robbins Book on Financial Freedom

I can not believe that walking on hot coals won't burn your feet. http://www.oprah.com/own-oprahs-next-chapter/Oprah-Walks-on-Fire-Video That's a good video. Investing in individual stocks and active funds will burn you and I suspect that's why a lot of us are here, after getting burned by that fir...
by BillyG
Sat Nov 15, 2014 10:36 am
 
Forum: Investing - Theory, News & General
Topic: New Tony Robbins Book on Financial Freedom
Replies: 85
Views: 16476

Re: "Why Bother With Bonds" -- A Gem

Bogleheads: Rick Van Ness is a successful private investor and retired executive who provides investor education using online videos, short books, and workshops. Rick has an MBA in Finance and is a valuable contributor to our forum and our wiki. Below are excerpts from his latest book, Why Bother W...
by BillyG
Fri Nov 14, 2014 10:01 pm
 
Forum: Investing - Theory, News & General
Topic: "Why Bother With Bonds" -- A Gem
Replies: 33
Views: 8861

Re: Great camera to take pics?

I'll second the others who recommend the Sony RX100. It has a larger image sensor than regular point and shoots although not as big a sensor as DSLRs and micro 4/3 cameras. It takes fabulous photos and you really can put it in your pocket. You cannot put a DSLR or micro 4/3 camera in your pocket, so...
by BillyG
Sun Nov 09, 2014 2:18 pm
 
Forum: Personal Consumer Issues
Topic: Great camera to take pics?
Replies: 44
Views: 5447

Re: New Tony Robbins Book on Financial Freedom

Tony Robbins has some good information to share although lot of people are turned off by his style. It is based on research by others and he just repackaged it, doing quite well in the process. About 25 years ago some of his approaches to goal setting and achieving those goals were very helpful to m...
by BillyG
Mon Nov 03, 2014 10:46 pm
 
Forum: Investing - Theory, News & General
Topic: New Tony Robbins Book on Financial Freedom
Replies: 85
Views: 16476

Re: Seeking recommendations for a new dishwasher

We were going to buy a high end Miele or Bosch and instead bought a higher end Kitchenaid. Our decision was driven by the fact the Kitchenaid had a lot more interior space than the European models, and Kitchenaid figured out how to make their higher end units very quiet. We are extremely satisfied a...
by BillyG
Mon Nov 03, 2014 8:42 am
 
Forum: Personal Consumer Issues
Topic: Seeking recommendations for a new dishwasher
Replies: 15
Views: 1053

Re: Car Rental Return Frustration in Spain

I love the adventure of international travel but sometimes we don't appreciate the experience until after the fact, when retelling the stories.
Billy
by BillyG
Wed Oct 29, 2014 7:00 am
 
Forum: Personal Consumer Issues
Topic: Car Rental Return Frustration in Spain
Replies: 17
Views: 1584

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

Ceramic and porcelain tilesetting advice (both DIY and professional):
http://www.johnbridge.com

Forums:
http://www.johnbridge.com/vbulletin/

The founder of the forum even published his own tilesetting books (sounds familiar?)!

Billy
by BillyG
Tue Oct 28, 2014 3:04 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads.org equivalents for other areas of life?
Replies: 70
Views: 7863

Re: Closing a house on Thursday but...

If you are comfortable with the neighborhood don't worry about and invest in burglar-proofing your new house.

If you are not comfortable with the neighborhood, that's a different question.

Good luck!

Billy
by BillyG
Tue Oct 28, 2014 1:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Closing a house on Thursday but...
Replies: 21
Views: 2218

Re: THANK YOU!!! Bogleheads Conference #13 (2014)

Just slides? Sorry but I find slide presentations all but useless. Bummer. That's a strange response to a gift... Lady Geek said videos will be posted later, just like they are for all recent BH Conferences. Then you can watch the video with the presentation. Patience in investing and life will gro...
by BillyG
Tue Oct 28, 2014 8:14 am
 
Forum: Local Chapters and Bogleheads Community
Topic: THANK YOU!!! Bogleheads Conference #13 (2014)
Replies: 71
Views: 7811

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

Yes, Sawmill Creek is great for woodworking.

For digital photography try www.dpreview.com

Billy
by BillyG
Mon Oct 27, 2014 3:04 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads.org equivalents for other areas of life?
Replies: 70
Views: 7863

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

I have a great forum for kitchen design. Most of the participants are ladies who are very friendly and have excellent understanding of both aesthetics and function. They understand that function is most important in a kitchen but they do not compromise on aesthetics. There are lots of photos and the...
by BillyG
Sun Oct 26, 2014 1:28 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads.org equivalents for other areas of life?
Replies: 70
Views: 7863

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

There is great information about construction, carpentry and general woodworking available at Breaktime 3 http://forums.delphiforums.com/Breaktime_3 It is a spinoff group that originated with Fine Homebuilding before they blew up their web forum software over 5 years ago. They have extensive knowled...
by BillyG
Sun Oct 26, 2014 12:55 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads.org equivalents for other areas of life?
Replies: 70
Views: 7863

Re: THANK YOU!!! Bogleheads Conference #13 (2014)

There were a lot of questions about advice related to the bond portion of a portfolio. The questions were largely driven by current low bond returns and/or fear of interest rate risk in that increasing rates will drive down the value of a bond fund (although the extent of this effect was debated wit...
by BillyG
Sat Oct 25, 2014 1:33 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: THANK YOU!!! Bogleheads Conference #13 (2014)
Replies: 71
Views: 7811

Re: Thank You!!! BH #13 (2014)

I wish I could be at the bar tonight, like I was on Wednesday and Thursday nights! It was a fabulous meeting. There is no one like Jack Bogle and no group like the Bogleheads (and no financial company like Vanguard). A heartfelt thank you to everyone who made this possible. Billy PS Remember that Va...
by BillyG
Fri Oct 24, 2014 7:21 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: THANK YOU!!! Bogleheads Conference #13 (2014)
Replies: 71
Views: 7811

Re: Borescope for inspecting dryer vents and AC ducts

I understand the benefits of a TPO (Tool Purchase Opportunity) as well as anyone, but do you really need a borescope for dryer vents and HVAC ducts? Dryer vents need to be cleaned periodically, so just do it. You don't need to look at them. HVAC ducts don't really need to be cleaned, and looking at ...
by BillyG
Fri Oct 17, 2014 6:34 am
 
Forum: Personal Consumer Issues
Topic: Borescope for inspecting dryer vents and AC ducts
Replies: 9
Views: 1364

Re: Former employee patent compensation

I agree with the comments above.

Be careful about whether the contract requires you to assign "new" or related inventions to your old company.

Billy
by BillyG
Fri Oct 17, 2014 6:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Former employee patent compensation
Replies: 5
Views: 721

Re: How did you get from $1M to $10M

I have no specific advice other than I agree Brian Tracy is fabulous -- very concise and logical. I've been listening to him since the mid-1980s and he has helped me immensely. But I'm not at $10M yet!
Billy
by BillyG
Thu Oct 16, 2014 6:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: How did you get from $1M to $10M
Replies: 46
Views: 4154

Re: Abigail Johnson Named Head of Fidelity Investments

Taking over from her father -- keep it in the family. No big surprise here. http://online.wsj.com/articles/abigail-johnson-named-ceo-of-fidelity-investments-1413226082?mod=djemalertMARKET Billy Will Fidelity be now renamed into "Johnson and Johnson" or "Johnson after Johnson"? V...
by BillyG
Tue Oct 14, 2014 11:18 am
 
Forum: Investing - Theory, News & General
Topic: Abigail Johnson Named Head of Fidelity Investments
Replies: 5
Views: 1111

Re: What evidence would prove the Boglehead mentality wrong?

VictoriaF wrote:You are referring to the first type of studies. My cited comment was about individual investors, irrespective of their investing approaches.


I see, that makes sense.

Billy
by BillyG
Mon Oct 13, 2014 3:55 pm
 
Forum: Investing - Theory, News & General
Topic: What evidence would prove the Boglehead mentality wrong?
Replies: 212
Views: 16390

Re: What evidence would prove the Boglehead mentality wrong?

However, claiming that expert performance is impossible by citing studies that are based on the averages is a flawed argument. Many of us would be offended if someone had claimed that it's impossible to accumulate X dollars by the age of Y, because, statistically, most people in the same demographi...
by BillyG
Mon Oct 13, 2014 3:41 pm
 
Forum: Investing - Theory, News & General
Topic: What evidence would prove the Boglehead mentality wrong?
Replies: 212
Views: 16390

Abigail Johnson Named Head of Fidelity Investments

Taking over from her father -- keep it in the family. No big surprise here.
http://online.wsj.com/articles/abigail- ... lertMARKET

Billy
by BillyG
Mon Oct 13, 2014 1:35 pm
 
Forum: Investing - Theory, News & General
Topic: Abigail Johnson Named Head of Fidelity Investments
Replies: 5
Views: 1111

Re: What evidence would prove the Boglehead mentality wrong?

Postigname, your claim to "not reading academic studies" is a dodge. It is as if you consider all studies to be "academic" and therefore not worthy of your attention. Or collaterally, you are not interested in considering factual data, considering others' conclusions, and forming...
by BillyG
Sun Oct 12, 2014 10:47 am
 
Forum: Investing - Theory, News & General
Topic: What evidence would prove the Boglehead mentality wrong?
Replies: 212
Views: 16390

Re: Rebalancing Bands

Bill Bernstein has one of the most thoughtful discussions of rebalancing bands in his recent Investing for Adults book series. He suggests making the bands wide enough so they don't kick in more frequently than every year or two, as was explained above with respect to "capturing momentum" ...
by BillyG
Sat Oct 11, 2014 9:11 am
 
Forum: Investing - Theory, News & General
Topic: Rebalancing Bands
Replies: 15
Views: 1438
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