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Re: BOGLEHEAD CONTEST -- S&P at record high.

cfs wrote:Long way to go

392
cfs
2076.44


I'll be delighted if you win.
by Boglenaut
Wed Oct 15, 2014 2:44 pm
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- S&P at record high.
Replies: 26
Views: 3932

Re: BOGLEHEAD CONTEST -- S&P at record high.

I was just thinking how lucky we are my prediction is off. My prediction was the market would dip and we would be lucky to close the year essentially unchanged. Do I lose my prediction certificate? The year is yet young, you could still be right! Unfortunately, the index is at 1856.18 right now, me...
by Boglenaut
Wed Oct 15, 2014 2:29 pm
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- S&P at record high.
Replies: 26
Views: 3932

iOS 8 on iPad 2

Just to give everyone a heads up.. I installed iOS 8 on my iPad 2 and now I get multiple apps crashing. My USA Today app crashes 100% of the time now.

I suggest waiting a bit before upgrading.
by Boglenaut
Wed Sep 17, 2014 3:25 pm
 
Forum: Personal Consumer Issues
Topic: iOS 8 on iPad 2
Replies: 4
Views: 1992

Re: Feeling smug until 10 year ROR from Vanguard

Mine shows 12.6% (no time period specified).

I never bothered to check it before given that it is a meaningless number.
by Boglenaut
Sat Sep 13, 2014 10:45 am
 
Forum: Investing - Theory, News & General
Topic: Feeling smug until 10 year ROR from Vanguard
Replies: 81
Views: 7869

New Roof Needed Soon... Advice?

My house was built in 1995 or 1996 and the original roof is started to show its age. I have one spot that needs repaired every two years or so (including right now). So, I know the day is coming for a full replacement. I live in a Northern US climate. Any general advice? What to expect? Best way to ...
by Boglenaut
Thu Sep 11, 2014 9:08 am
 
Forum: Personal Consumer Issues
Topic: New Roof Needed Soon... Advice?
Replies: 48
Views: 3063

Re: POLL: What was the first stock you ever bought?

I never bought an individual stock.

I did have ETFs VSS, EWC, and VWO at one time, but since have sold them to buy VTIAX once it re-organized and now stick to mutual funds (mostly admiral index funds).
by Boglenaut
Thu Sep 04, 2014 9:04 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: What was the first stock you ever bought?
Replies: 74
Views: 2980

Re: Why do we tip restaurant servers?

As a customer, I'd rather pay more fixed price and have no tipping (as long as net income to the wait staff remain the same). It's very distracting from an enjoyable evening worrying that I under-tipped or over-tipped. I actually prefer places where you order at a counter so no tipping. I do things ...
by Boglenaut
Fri Aug 22, 2014 6:30 pm
 
Forum: Personal Consumer Issues
Topic: Why do we tip restaurant servers?
Replies: 44
Views: 2362

Re: Dow Jones Index Fund?

I really wish they would quit reporting the Dow Jones completely... such an inferior index.
by Boglenaut
Tue Aug 19, 2014 8:06 pm
 
Forum: Investing - Theory, News & General
Topic: Dow Jones Index Fund?
Replies: 42
Views: 2676

Re: Defining "Stay the Course"

cfs, I like the idea "course correction."

nisiprius, I would be on the second line.
by Boglenaut
Tue Aug 19, 2014 3:07 pm
 
Forum: Investing - Theory, News & General
Topic: Defining "Stay the Course"
Replies: 41
Views: 3827

Re: US REITs already have international exposure

US REITs already have international exposure It works the other way around as well. When I researched the international REIT fund, one of the biggest holdings was Westfield, which is an Australian REIT that owned the mall down the street from me. Seemed silly to pay a premium to invest in a mall a ...
by Boglenaut
Tue Aug 19, 2014 3:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: US REITs already have international exposure
Replies: 14
Views: 1292

Defining "Stay the Course"

I am a pretty consistent Boglehead with a plan and am good at mainly sticking to it. But I just had a job-related life event that suddenly changed my risk profile. As a result, I moved my 4% allocation of High Yield bond fund to intermediate bonds. I know there has been a flow recently out of high y...
by Boglenaut
Tue Aug 19, 2014 9:13 am
 
Forum: Investing - Theory, News & General
Topic: Defining "Stay the Course"
Replies: 41
Views: 3827

Re: "Our life is frittered away with detail."

I have one credit card. I would rethink that one if I were you, Taylor. We used to have just one card. Then when hackers stole the number from a data center 3 times in 5 months, we got a second card. If you have one card, are you prepared to live on no card at all at a moment's notice? At least tha...
by Boglenaut
Tue Aug 19, 2014 8:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 123
Views: 76298

Re: Savings Percentage [rules of thumb]

My wife and I are subscribers to the bogleheads / LBYM philosophy, but as a metrics guy I'm interested to get a better understanding of the rule of thumb that I hear regarding what percentage of earnings we should be saving. NTIG Ignore rules of thumb about what percentage of pay you should be savi...
by Boglenaut
Sat Aug 16, 2014 5:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savings Percentage [rules of thumb]
Replies: 49
Views: 5752

Re: Telephone Calls! Help!

NOMOROBO. It works. You get one ring...if the caller is a robocaller or telemarketer, no more rings...but you can check it on caller ID. I eliminated at least 5 calls per day. Oh ---- and it is FREE. OK, I just set it up. I'll report back my results after some time. So far, I got about 4 junk calls...
by Boglenaut
Fri Aug 15, 2014 5:29 pm
 
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Stopping telemarketing calls]
Replies: 105
Views: 7904

Re: [Poll] How I Feel When I Think about Investing, etc.

Thanks for the responses. This is what I expected, but I wasn't sure since as far as I know no one asked this question before. :sharebeer
by Boglenaut
Fri Aug 15, 2014 5:25 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] How I Feel When I Think about Investing, etc.
Replies: 36
Views: 2467

Re: How to value house with unwanted tennis court

I bet this house won't sell for a while. I would be careful to not bid too high on it and be prepared to walk away.
by Boglenaut
Fri Aug 15, 2014 5:21 pm
 
Forum: Personal Consumer Issues
Topic: How to value house with unwanted tennis court
Replies: 24
Views: 2268

Re: Telephone Calls! Help!

NOMOROBO. It works. You get one ring...if the caller is a robocaller or telemarketer, no more rings...but you can check it on caller ID. I eliminated at least 5 calls per day. Oh ---- and it is FREE. OK, I just set it up. I'll report back my results after some time. So far, I got about 4 junk calls...
by Boglenaut
Wed Aug 13, 2014 11:28 am
 
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Stopping telemarketing calls]
Replies: 105
Views: 7904

[Poll] How I Feel When I Think about Investing, etc.

When I think about investing, retirement planning, personal finances, etc (the types of topics generally discussed on this board), I actually find it fun and interesting. It is a hobby that relaxes me and I like reading about it here or going to local chapter meetings to discuss it. I spend so much ...
by Boglenaut
Wed Aug 13, 2014 11:13 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] How I Feel When I Think about Investing, etc.
Replies: 36
Views: 2467

Re: Why is Germany such a small part of European Index Funds

I asked that same question a few years ago, but for some reason cannot find that thread. :confused :?: :confused
:?:
by Boglenaut
Mon Aug 11, 2014 6:27 am
 
Forum: Investing - Theory, News & General
Topic: Why is Germany such a small part of European Index Funds?
Replies: 6
Views: 942

Re: Going 60+% international? (US resident)

Cost is higher. Assuming

VTSAX .05%
VTIAX .14%

So if you invest 100K, your weighted average goes up from $95 to $104 per year.

{Darn it Vanguard! This used to be my best argument against over-weighting international! ;) )
by Boglenaut
Fri Aug 08, 2014 10:28 pm
 
Forum: Investing - Theory, News & General
Topic: Going 60+% international? (US resident)
Replies: 83
Views: 6257

Re: Timing Belt Change - Months or Miles if car is old?

Thanks for this thread. I reviewed my owners manual and saw I was 3 years overdue (but plenty of miles left). I plan to keep the car for 5 more years so got it done (friend had really good coupon too). $459 including water pump.. fluids, other belts, etc.
by Boglenaut
Fri Aug 08, 2014 8:38 pm
 
Forum: Personal Consumer Issues
Topic: Timing Belt Change - Months or Miles if car is old?
Replies: 81
Views: 8489

Re: Telephone Calls! Help! [Telemarketing phone calls]

Oddlot wrote:Why, in this age of caller ID, would anyone ever answer a phone call unless it is someone they know?



Job search. I kept hanging up on a legit caller once. Oops.
by Boglenaut
Fri Aug 08, 2014 8:35 pm
 
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Stopping telemarketing calls]
Replies: 105
Views: 7904

Re: Telephone Calls! Help!

Igglesman wrote:NOMOROBO. It works. You get one ring...if the caller is a robocaller or telemarketer, no more rings...but you can check it on caller ID.
I eliminated at least 5 calls per day.

Oh ---- and it is FREE.


OK, I just set it up. I'll report back my results after some time.
by Boglenaut
Fri Aug 08, 2014 8:33 pm
 
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Stopping telemarketing calls]
Replies: 105
Views: 7904

Re: How do you address your inlaws and being addressed?

My in-laws and I do not speak the same language and we never met (I can't go there and they cannot come here easily).

They are perfect and they think I am perfect. Life is good! :)
by Boglenaut
Fri Aug 08, 2014 8:01 pm
 
Forum: Personal Consumer Issues
Topic: How do you address your inlaws and being addressed?
Replies: 84
Views: 5007

Re: The Worst Investment You Can Make: Buying a Home

Buying a home is not an investment.
by Boglenaut
Fri Aug 08, 2014 7:58 pm
 
Forum: Investing - Theory, News & General
Topic: The Worst Investment You Can Make: Buying a Home
Replies: 135
Views: 16704

Re: Telephone Calls! Help!

Those auto-dialers with spoofed call ID are now common. They are destroying the phone system. Now they spoof your neighbors' numbers. I can block 30 numbers, but that's whack-a-mole.
by Boglenaut
Thu Aug 07, 2014 8:49 pm
 
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Stopping telemarketing calls]
Replies: 105
Views: 7904

Re: How Much Did You Lose Today?

1.1%. I had just done a minor rebalancing on Monday.
by Boglenaut
Fri Aug 01, 2014 7:34 am
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 15606

Re: Solar Farm, anybody buy in?

I work with buildings and Owners in many states, we are really lucky here. Its tough to get up it arms with energy cost when your property tax bill is 2x your energy cost :annoyed Breaks out calculator. 3x, do I hear more? Golly, at least 6 to 8 times. My electric bill last month was $54. My proper...
by Boglenaut
Fri Aug 01, 2014 6:31 am
 
Forum: Personal Consumer Issues
Topic: Solar Farm, anybody buy in?
Replies: 53
Views: 3957

Re: Solar Farm, anybody buy in?

joe8d wrote:We are going to be getting a Solar Farm here.



How will they get the snow off of the panels in the summer?


;)



Manufacturing the panels in Buffalo sure makes sense, but I don't know if it has ever been sunny in Buffalo when I've been there.
by Boglenaut
Fri Aug 01, 2014 6:28 am
 
Forum: Personal Consumer Issues
Topic: Solar Farm, anybody buy in?
Replies: 53
Views: 3957

Re: Predict: S&P Doubles or Halves First?

I noticed a similar topic today, so thought I'd update on this. S&P is at 1985.61 right now, so it has not yet doubled or halved.... but it is definitely closer to doubling.
by Boglenaut
Wed Jul 23, 2014 9:23 am
 
Forum: Investing - Theory, News & General
Topic: Predict: S&P Doubles or Halves First?
Replies: 36
Views: 2902

Re: Boglehead Rules Of Thumb To Investing?

Nerdicus wrote:2.) The three-fund portfolio


While Bogleheads generally seem to respect those who choose this path, I think they by would by no means considers it a Boglehead rule of thumb. It's part of keeping things simple, but 4 or 6 fund portfolios can also do this as well.
by Boglenaut
Sat Jul 12, 2014 1:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Boglehead Rules Of Thumb To Investing?
Replies: 23
Views: 3371

Re: It is time to retire when you .......

...when your spouse starts his/her career.

Well, maybe not right away, but as she gains experience and seniority it will definitely be a factor.
by Boglenaut
Fri Jun 20, 2014 8:49 am
 
Forum: Personal Finance (Not Investing)
Topic: It is time to retire when you .......
Replies: 104
Views: 10258

Re: Location does matter when measuring asset allocation

From a theoretical viewpoint it makes sense to account for location; from a practical viewpoint I found it is not so easy. I tried early on to weigh my allocations but in reality there are too many unknowns... what is my future tax rate, etc. So, I do not weigh them, but do mentally account that I k...
by Boglenaut
Fri Jun 20, 2014 8:31 am
 
Forum: Investing - Theory, News & General
Topic: Location does matter when measuring asset allocation
Replies: 45
Views: 3119

Re: Cutting the cable cord - how did you do it?

I cut it Halloween 3.5 or 4.5 years ago. At first we went just with Over the Air. it was a lot better that before the digital conversion... I got 4 to 8 PBS channels depending on conditions, plus other channels as well. The true High Def channels looked better than the cable channels as far as quali...
by Boglenaut
Sat Jun 14, 2014 9:18 am
 
Forum: Personal Consumer Issues
Topic: Cutting the cable cord - how did you do it?
Replies: 63
Views: 4834

Re: The Problem with Market Timing

See today's front page of the print edition of the WSJ:

"Big Investors Lose Even as Markets Rise"

I googled it and found this (not sure if locked to non-subscribers or not):

http://online.wsj.com/articles/hedge-fu ... 1402613770
by Boglenaut
Fri Jun 13, 2014 3:55 pm
 
Forum: Investing - Theory, News & General
Topic: The Problem with Market Timing
Replies: 19
Views: 1729

Re: engineers - please help with engineering school selectio

Check to make sure the program is ABET accredited. If so, it doesn't matter which one you chose.
by Boglenaut
Thu Jun 12, 2014 7:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: engineers - please help with engineering school selection
Replies: 119
Views: 5673

Re: Another two-comma club member

It does feel really good to have made this milestone, but to be honest I don't feel rich; this kind of money buys some peace of mind but it doesn't buy time or certainty. I'm also trying hard to not think of it as money in the bank because I know a bunch of it will be taken away sometime in the ran...
by Boglenaut
Tue Jun 10, 2014 7:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Another two-comma club member
Replies: 30
Views: 3442

Re: Bogleheads forum etiquette question

I've been reading some posts and it seems that some people have extremely insightful and educated responses to particular topics, i.e. HSA accounts. What's the etiquette on private messaging someone that you have no prior contact with on a forum page? Should I post in the forum and mention the pers...
by Boglenaut
Sun Jun 08, 2014 8:10 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads forum etiquette question
Replies: 9
Views: 1243

Re: What are you doing with the market at an all time high?

We just did a small rebalance from stock to bonds (about .62%) and may need to do another one soon. Most rebalancing is done with new pay checks though.

My spreadsheet tells me how much.
by Boglenaut
Sun Jun 08, 2014 8:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you doing with the market at an all time high?
Replies: 95
Views: 6754

Re: why isn't thisbetter than indexing.

It's just a equal-weight index in disguise, so it weighs smaller companies more but also has more risk. Nothing special here, move along.

Edit - I read this in the print copy when not on-line when I came to my conclusion. I see above other Bogleheads came to the same conclusion.
by Boglenaut
Sun Jun 08, 2014 8:28 am
 
Forum: Investing - Theory, News & General
Topic: WSJ - A Random Way To Get Rich
Replies: 22
Views: 3004

Re: I Learned a New Term Today: "Dominated Funds"

It kind of gives new meaning to "passive" investing as well. Oh well, as long as you don't try to beat the S&M 500 you should be OK.
by Boglenaut
Sun Jun 08, 2014 8:22 am
 
Forum: Investing - Theory, News & General
Topic: I Learned a New Term Today: "Dominated Funds"
Replies: 19
Views: 1343

Re: I Learned a New Term Today: "Dominated Funds"

VictoriaF wrote:Are the dominated funds in S&M 500?

Victoria



When I start a thread, I can never predict the direction it will take.

You have proven this true again. This was a turn that caught me by surprise.

Good one! :sharebeer
by Boglenaut
Sun Jun 08, 2014 8:20 am
 
Forum: Investing - Theory, News & General
Topic: I Learned a New Term Today: "Dominated Funds"
Replies: 19
Views: 1343

I Learned a New Term Today: "Dominated Funds"

I saw a reference today to "dominated funds" in a 401K and wondered what that meant. I quick search revealed something interesting that we see all the time when people list their funds in "Help me with my portfolio" posts. I think Boglehead investors can sniff out a dominated fun...
by Boglenaut
Sun Jun 08, 2014 6:27 am
 
Forum: Investing - Theory, News & General
Topic: I Learned a New Term Today: "Dominated Funds"
Replies: 19
Views: 1343

Re: mutual funds vs. etf`s

This is an endless debate on the board. It is a matter of personal preference. I strongly prefer mutual funds, especially if you get admiral shares.
by Boglenaut
Thu Jun 05, 2014 4:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: mutual funds vs. etf`s
Replies: 4
Views: 415

Re: BOGLEHEAD CONTEST -- S&P at record high.

I was just thinking how lucky we are my prediction is off.

My prediction was the market would dip and we would be lucky to close the year essentially unchanged. Do I lose my prediction certificate?
by Boglenaut
Fri May 30, 2014 8:27 pm
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- S&P at record high.
Replies: 26
Views: 3932

Re: Do you need international bonds?

Hedging cost are not included in the ER.
by Boglenaut
Thu May 29, 2014 9:47 pm
 
Forum: Investing - Theory, News & General
Topic: Do you need international bonds?
Replies: 29
Views: 2984

Re: Found Gift Card with $100 Bal; Any way to ID owner?

Turn it in to the local police station. Doesn't it work that if no way claims it in XX days, it is yours?
by Boglenaut
Sun May 25, 2014 1:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Found Gift Card with $100 Bal; Any way to ID owner?
Replies: 7
Views: 829

Re: Rate My Portfolio

VEMIX Vanguard Emerging Markets Stock Index Fund Institutional Shares 5% (0.12 ER) VWEHX Vanguard High-Yield Corporate Fund Investor Shares 5% (0.23 ER) VIPSX Vanguard Inflation-Protected Securities Fund Investor Shares 5% (0.20 ER) VGSIX Vanguard REIT Index Fund Investor Shares 5% (0.24 ER) VISVX ...
by Boglenaut
Sun May 25, 2014 10:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Rate My Portfolio
Replies: 118
Views: 6783

Re: Paying for a date

I should add it was a 4 hour round trip drive for me, so that's why she offered.
by Boglenaut
Mon May 19, 2014 8:58 pm
 
Forum: Personal Consumer Issues
Topic: Paying [on] a date
Replies: 73
Views: 3323
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