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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 10:23 am
 
Forum: Investing - Theory, News & General
Topic: Predict: S&P Doubles or Halves First?
Replies: 36
Views: 2617

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 2:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Boglehead Rules Of Thumb To Investing?
Replies: 23
Views: 3087

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 9:49 am
 
Forum: Personal Finance (Not Investing)
Topic: It is time to retire when you .......
Replies: 104
Views: 9627

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 9:31 am
 
Forum: Investing - Theory, News & General
Topic: Location does matter when measuring asset allocation
Replies: 45
Views: 2977

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 10:18 am
 
Forum: Personal Consumer Issues
Topic: Cutting the cable cord - how did you do it?
Replies: 63
Views: 4385

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 4:55 pm
 
Forum: Investing - Theory, News & General
Topic: The Problem with Market Timing
Replies: 19
Views: 1680

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 8:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: engineers - please help with engineering school selection
Replies: 119
Views: 5253

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 8:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Another two-comma club member
Replies: 30
Views: 3346

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 9:10 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads forum etiquette question
Replies: 9
Views: 1017

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 9:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you doing with the market at an all time high?
Replies: 95
Views: 6504

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 9:28 am
 
Forum: Investing - Theory, News & General
Topic: WSJ - A Random Way To Get Rich
Replies: 22
Views: 2928

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 9:22 am
 
Forum: Investing - Theory, News & General
Topic: I Learned a New Term Today: "Dominated Funds"
Replies: 19
Views: 1320

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 9:20 am
 
Forum: Investing - Theory, News & General
Topic: I Learned a New Term Today: "Dominated Funds"
Replies: 19
Views: 1320

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 7:27 am
 
Forum: Investing - Theory, News & General
Topic: I Learned a New Term Today: "Dominated Funds"
Replies: 19
Views: 1320

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 5:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: mutual funds vs. etf`s
Replies: 4
Views: 400

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 9:27 pm
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- S&P at record high.
Replies: 16
Views: 2825

Re: Do you need international bonds?

Hedging cost are not included in the ER.
by Boglenaut
Thu May 29, 2014 10:47 pm
 
Forum: Investing - Theory, News & General
Topic: Do you need international bonds?
Replies: 29
Views: 2740

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 2:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Found Gift Card with $100 Bal; Any way to ID owner?
Replies: 7
Views: 725

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 11:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Rate My Portfolio
Replies: 117
Views: 6151

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 9:58 pm
 
Forum: Personal Consumer Issues
Topic: Paying [on] a date
Replies: 73
Views: 3179

Re: Paying for a date

My wife paid for dinner on our first date. I married her. :)
by Boglenaut
Mon May 19, 2014 9:57 pm
 
Forum: Personal Consumer Issues
Topic: Paying [on] a date
Replies: 73
Views: 3179

Re: Inflation-Cable, and utilities

My telecom/TV costs have gone way down. 10+ years ago I routinely paid >$100/mo on phone and long distance. Now it's $10 as part of my cable package. I dropped TV from my cable package. Netflix is $8/mo. Combined with Over-The-Air TV now being High Def and 8 PBS channels now, I have more and better ...
by Boglenaut
Sat May 03, 2014 7:59 pm
 
Forum: Personal Consumer Issues
Topic: Inflation-Cable, and utilities
Replies: 7
Views: 1040

Re: An easy way to save money: Avoid the $300,000 car.

Taylor will be pleased to know we are still driving our 2004 Civic as our only car. http://www.bogleheads.org/forum/viewtopic.php?t=36680 My wife works now, but it is a short commute and she gets occassional tele-commute days. I may break down and buy a second car, but not just yet. It's good to sho...
by Boglenaut
Sat May 03, 2014 3:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: An easy way to save money: Avoid the $300,000 car.
Replies: 152
Views: 17171

Re: 401K Money gone!?!

Wow, talk about leaving the employees in the dark. hmmm,maybe they thought no one would notice or care!?
by Boglenaut
Fri May 02, 2014 7:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K Money gone!?!
Replies: 29
Views: 5813

Re: Aquarium Math Question

Let's assume it is a fresh water tank with plastic plants. Lets assume substrate is not counted as part of tank capacity. By the way, I am really pleased to see different answers in the poll. It shows my question was not obvious. Also, I really have one 20 gallon and one 30 gallon tank in real life....
by Boglenaut
Fri May 02, 2014 7:49 pm
 
Forum: Personal Consumer Issues
Topic: Aquarium Math Question
Replies: 12
Views: 1089

Re: Aquarium Math Question

My wife and I decided it is 25% (and she is good at math). But we are making the assumption the contaminants do not evaporate and only water evaporates. If that is not true, the answer is different. Here is our logic. We removed 25% (10/40) of the contaminants. Effectively, it makes no difference if...
by Boglenaut
Thu May 01, 2014 11:46 pm
 
Forum: Personal Consumer Issues
Topic: Aquarium Math Question
Replies: 12
Views: 1089

Re: Aquarium Math Question

Epsilon Delta wrote:

You need to ask the right question before you do the right math.


Precisely.. the question is ambiguous.
by Boglenaut
Thu May 01, 2014 11:05 pm
 
Forum: Personal Consumer Issues
Topic: Aquarium Math Question
Replies: 12
Views: 1089

Re: Aquarium Math Question

I thought 40% as well at first, but I found a flaw. Remember, the purpose of a water change is to reduce the concentration of contamination (ammonia). Lets say we have 2 molecules of ammonia per gallon to start. If 10 gallons evaporate and I take out 10, then replace 20 gallons, I have 75 molecules ...
by Boglenaut
Thu May 01, 2014 10:55 pm
 
Forum: Personal Consumer Issues
Topic: Aquarium Math Question
Replies: 12
Views: 1089

Aquarium Math Question

As a Boglehead, I want to follow the recommended water changes for my aquarium and buy the correct amount of chemicals (and stay topical). I am making the number easy to work with below... I know they are not realistic. Let's say I have an aquarium that holds 50 gallons when full, and 10 gallons eva...
by Boglenaut
Thu May 01, 2014 10:01 pm
 
Forum: Personal Consumer Issues
Topic: Aquarium Math Question
Replies: 12
Views: 1089

Re: Do you overweight International Small?

I actually underweight Intl Small by a small amount, but not by design. 89.6% of my intl is in VG Total Intl (VTIAX). I have a 5.9% overweight in EM (VEMAX), but unfortunately that does not have small cap. Also, we have 4.5% in 401K Collective trust for Intl, but they do not have small cap. Those ar...
by Boglenaut
Thu May 01, 2014 6:41 pm
 
Forum: Investing - Theory, News & General
Topic: Do you overweight International Small?
Replies: 32
Views: 1676

Re: What is "Vanguard Inflation-Protected Securities Portfol

Collective Trust, perhaps? Many 401K plans and TSP have them. No tickers.
by Boglenaut
Wed Apr 30, 2014 1:24 pm
 
Forum: Investing - Theory, News & General
Topic: What is "Vanguard Inflation-Protected Securities Portfolio"
Replies: 4
Views: 539

Re: Did you tell anyone you paid off your mortgage?

We paid cash. I mentioned it to Bogleheads, but generally only a few people know.
by Boglenaut
Wed Apr 30, 2014 1:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 158
Views: 12226

Re: Did (will) you pay off your mortgage by retirement?

None of the above - I never had a mortgage and don't plan to get one. House is paid for.
by Boglenaut
Tue Apr 29, 2014 10:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did (will) you pay off your mortgage by retirement?
Replies: 68
Views: 3412

Re: POLL: "Channel Trading", advanced concepts

...but why not use it if there's an algorithm that really works?... Why not make free energy for your home with an overunity engine if there's one that really works? It must exist because I found a whole lot of links to it on the internet: "It generates a greater output of energy than the ener...
by Boglenaut
Mon Apr 28, 2014 9:49 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: "Channel Trading", advanced concepts
Replies: 22
Views: 1962

Re: VTSAX er drops to 5 bps [Total Stk Mkt Index (Admiral)]

I logged on and see I get that message now as well. Perhaps they announced it a while back but it just now took effect?
by Boglenaut
Mon Apr 28, 2014 9:43 pm
 
Forum: Investing - Theory, News & General
Topic: VTSAX er drops to 5 bps [Total Stk Mkt Index (Admiral)]
Replies: 28
Views: 2930

Re: POLL: "Channel Trading", advanced concepts

For every pattern you find like the one shown, we could find one that does not "channel". This is the silliest idea ever and I'd avoid it. Rack up costs and taxes (if in taxable). In the long term, stocks have an upward bias...that is about the only real pattern there is. Channels like thi...
by Boglenaut
Mon Apr 28, 2014 9:36 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: "Channel Trading", advanced concepts
Replies: 22
Views: 1962

Re: VTSAX er drops to 5 bps

It's been there a while.

But I agree it is cheaper than S&P + the completion index fund. Plus, better tax efficiency and no stocks moving between indexes.
by Boglenaut
Mon Apr 28, 2014 9:29 pm
 
Forum: Investing - Theory, News & General
Topic: VTSAX er drops to 5 bps [Total Stk Mkt Index (Admiral)]
Replies: 28
Views: 2930

Re: Typical fees for an account with Morgan Stanley ?

This is a duplicate thread. We've all done it at least once. :)

viewtopic.php?f=1&t=137749&newpost=2035078
by Boglenaut
Sun Apr 20, 2014 5:26 pm
 
Forum: Investing - Theory, News & General
Topic: Typical fees for an account with Morgan Stanley ?
Replies: 3
Views: 558

Re: Typical fees for an account with Morgan Stanley ?

Just reading those links, and the links in those links, I could not figure it out. They are so open telling you everything, but at the same time so vague. MS "may" do this or that, with no real numbers.

I would not stay invested there.
by Boglenaut
Sun Apr 20, 2014 5:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Typical fees for an account with Morgan Stanley ?
Replies: 20
Views: 2091

Re: Part time work opportunity- opinions wanted

I don't make nearly what a physician makes, but if I could change my job to 80% pay for 80% work/stress, I'd take it in a minute. unfortunately, my job is all-or-none.
by Boglenaut
Sun Apr 20, 2014 4:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Part time work opportunity- opinions wanted
Replies: 5
Views: 607

Re: Vanguard IRA Insights

Many 401K plans do not have Roth options. So they are not looking at the entire picture. This is not a very useful analysis.
by Boglenaut
Thu Apr 17, 2014 10:14 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard IRA Insights
Replies: 7
Views: 937

Re: less you need social security, earlier you should claim

Social Security has in the past cut benefits to those already receiving benefits, so that is no guarantee.
by Boglenaut
Sun Apr 13, 2014 6:17 pm
 
Forum: Investing - Theory, News & General
Topic: less you need social security, earlier you should claim
Replies: 39
Views: 3373

Re: Bannability Index

Great, that's all I need... some other anonymous (well, maybe not in this case) entity keeping track of a secret score that'll impact my life. :wink:

http://money.cnn.com/2014/04/02/pf/cons ... index.html
by Boglenaut
Sat Apr 12, 2014 9:38 am
 
Forum: Forum Issues and Administration
Topic: Bannability Index
Replies: 10
Views: 1791

Re: Online Retirement Calculators

FIRECalc is probably the best.

Most are useless.

I find the best option is to make my own spreadsheet, except I cannot capture randomness well like FIRECalc. So I use multiple sources and remember the outputs are only as good as my assumptions. That's the hard part.
by Boglenaut
Sat Apr 12, 2014 9:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Online Retirement Calculators
Replies: 17
Views: 2029

Re: Vanguard VTI and VXUS: adding more small VSS and VB/VBR

Do you think adding few % of VSS and VB / VBR would do be a good option? It's fine to tilt, but suggest you do it as part of a long term strategy, not short term tactical. In other words, set your tilt and keep it there by re-balancing. Write it down. Don't just do it on a whim or market timing. I ...
by Boglenaut
Sat Apr 12, 2014 8:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard VTI and VXUS: adding more small VSS and VB/VBR
Replies: 15
Views: 1175

Re: Tax audit poll

Items 1 and 2 are not mutually exclusive, yet people responding can only select one of them. What if both are true?
by Boglenaut
Thu Apr 10, 2014 4:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax audit poll
Replies: 19
Views: 1369

Re: Was Wondering Why Windsor/Wellesley/Wellington?

RyeWhiskey replied wonderfully "Re: Was Wondering Why Windsor/Wellesley/Wellington?"
by Boglenaut
Thu Apr 10, 2014 2:55 pm
 
Forum: Investing - Theory, News & General
Topic: Was Wondering Why Windsor/Wellesley/Wellington?
Replies: 28
Views: 4367

Re: emerging markets should they be in your portfolio

It would not let me read past the first page unless I downloaded the iPad app. I don't like that at all so left the site. How obnoxious. I won't be going back there anytime soon. :thumbsdown
by Boglenaut
Thu Apr 10, 2014 8:46 am
 
Forum: Investing - Theory, News & General
Topic: emerging markets should they be in your portfolio
Replies: 14
Views: 1561
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