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Re: Is 1800s stock market data even relevant?

Nisi, Given that you are a fan of Mandelbrot - I am surprised you asked the question. The stock market seems to loosely obey power laws. Which means that it is self similar at all scales. You may be comparing a caterpillar to a jet fighter, but there are a number of scale invariant properties that a...
by Chan_va
Tue Apr 22, 2014 9:34 am
 
Forum: Investing - Theory, News & General
Topic: Is 1800s stock market data even relevant?
Replies: 60
Views: 2707

Re: Turbotax question

Thanks livesoft. I did review the links you posted, but they refer to unearned income > $2,000. I don't believe that I have to file form 8615 since the unearned income is less than $2,000. There seems to be a purgatory zone between not having to report income for less than 1,000 and filing form 8615...
by Chan_va
Wed Apr 09, 2014 5:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax question
Replies: 3
Views: 285

Turbotax question

Folks, Am in my annual last minute scramble to get my taxes done again. Quick (hopefully) turbotax question. - I have a minor child (3 year old) with $200 in dividend income and $1700 in Long term capital gains in a UTMA account. Questions 1. Since I have capital gains for the child, Turbo tax seems...
by Chan_va
Wed Apr 09, 2014 4:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax question
Replies: 3
Views: 285

Re: 1 Nice car vs 2 Decent cars (daily driver/weekend car)?

Did you just use the words 'car enthusiast' and 'Lexus' in the same post?
by Chan_va
Sun Apr 06, 2014 9:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: 1 Nice car vs 2 Decent cars (daily driver/weekend car)?
Replies: 34
Views: 2513

Re: Renal Property Math - Make Sense?

livesoft wrote:Hmmm, I thought this was going to be about an investment in DialySpa.


Or one of those stories where you wake up in a tub of ice with a kidney missing, and you want to know how to deduct it on your tax return
by Chan_va
Wed Mar 26, 2014 4:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renal Property Math - Make Sense?
Replies: 21
Views: 1823

Re: We Don't want to die with Money

Birdy, I guess you are asking 2 questions. 1. How much should we withdraw 2. Where should we withdraw from I will try and tackle #1. Looks like between the farm rental and SS, you will have a floor of income. Lets assume that the floor + your LTCI will cover any potential health emergencies. So, you...
by Chan_va
Wed Mar 26, 2014 4:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: We Don't want to die with Money
Replies: 45
Views: 3758

Re: Are Vanguard Index Funds pure ??? Not So

Cosmo wrote:If we are simply trying to replicate the market, should we really be concerned?


The central question is - Do the indexes replicate the market? I think we can safely apply the Pareto principle here. http://en.wikipedia.org/wiki/Pareto_principle
by Chan_va
Wed Mar 26, 2014 9:49 am
 
Forum: Investing - Theory, News & General
Topic: Are Vanguard Index Funds pure ??? Not So
Replies: 67
Views: 4286

Re: Waze founder starting financial-planning company

If you use vanguard's linked account service, you give the same power of attorney to cashedge(the aggregator vanguard uses) ----------------- From the vanguard cash edge terms of service. For as long as you are using the Service, you give to the Advisor a limited power of attorney and appoint Adviso...
by Chan_va
Tue Mar 25, 2014 9:20 pm
 
Forum: Investing - Theory, News & General
Topic: Waze founder starting financial-planning company
Replies: 14
Views: 1420

Re: What's your dream car?

I've dreamt about women. I've had the dream where you wake up and haven't studied all semester for your exam. I've had the one where you show up to grade school in your tighty-whities. I've dreamt that might current vehicle was wrecked and I had to get a new one (the worst of them all!) I've never ...
by Chan_va
Sun Mar 16, 2014 4:58 pm
 
Forum: Personal Consumer Issues
Topic: What's your dream car?
Replies: 177
Views: 8956

Re: Is Vanguard's portfolio watch tool broken?

Definitely broken. One additional thing that drives me up the wall. Every month or so it will recharacterize my outside investments as 'other' and I have to spend an hour putting in the details.
by Chan_va
Sun Mar 16, 2014 4:25 pm
 
Forum: Personal Consumer Issues
Topic: Is Vanguard's portfolio watch tool broken?
Replies: 23
Views: 1869

Re: Can I retire yet?

Are we seriously telling a 64 year old who has worked for 40+ years that a 3% withdrawal rate isn't safe enough? Why are we fixated on his expenses? As long as he can afford it, which he clearly can, the absolute value is irrelevant. What is the point of money if not to spend it? This constant one d...
by Chan_va
Sat Mar 08, 2014 4:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I retire yet?
Replies: 85
Views: 5810

Re: Portfolio planning, Dubai based Non-US citizen, Trading

If I may ask - why are you overweighting the us stock market? If I were not in the us, I would hold us-international at their market weights.

By overweighting vti, you are not only making a bet on the us economy outperforming, but you are also concentrating your currency risk.
by Chan_va
Sat Mar 08, 2014 8:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio planning, Dubai based Non-US citizen, Trading ETFs
Replies: 24
Views: 939

Re: No car, moving for a 3-mth assignment, cheapest car opti

Depends on how much time/effort you want to put into it. Financially speaking, buying a used car and selling it after 3 months will work best. This assumes that you work with private parties on both ends of the transaction, spend a bunch of time finding the right buyer and the right seller. And then...
by Chan_va
Wed Mar 05, 2014 4:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: No car, moving for a 3-mth assignment, cheapest car option?
Replies: 12
Views: 526

Re: What's your dream car?

Nice to see this thread back from the dead. I recently was in Las Vegas, and blew some money driving exotic cars here. http://www.exoticsracing.com/Exotic-Cars/drive-exotic-cars_las-vegas_6_1.htm. Highly recommend it if you are in Vegas.

The Porsche Turbo was unbelievable.
by Chan_va
Wed Mar 05, 2014 10:22 am
 
Forum: Personal Consumer Issues
Topic: What's your dream car?
Replies: 177
Views: 8956

Re: Making a case for bonds (All About Asset Allocation)

Aaronh, Implicit in your argument is the assumption that equities are safer the longer your time horizon. While that has been true in the past century, you need to ask yourself the fundamental question- why do equites have a higher expected return than bonds? The answer is simple and profound. It's ...
by Chan_va
Mon Feb 24, 2014 11:58 pm
 
Forum: Investing - Theory, News & General
Topic: Making a case for bonds (All About Asset Allocation)
Replies: 44
Views: 2590

Re: Should I rebalance this?

The 42% gain is irrelevant. What is relavent is what % of your portfolio reit's make up now and how that compares with your target. With a 2.5% allocation to an asset class, you are adding complexity without adding any significant diversification. I would either bump the allocation up to where it ma...
by Chan_va
Tue Feb 18, 2014 11:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I rebalance this?
Replies: 3
Views: 242

Re: Going all into Emerging Markets

As long as you understand the risk reward equation and can tolerate long periods of tracking error, go for it.
by Chan_va
Mon Feb 10, 2014 12:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Going all into Emerging Markets
Replies: 63
Views: 5826

Re: Net Worth Survey 2014 Interactive Dashboard

I have to admit that as a survey respondent, it's a bit disconcerting to see the data hosted on yet another public server. I know the data is anonymized and I know I gave up control the moment I took the survey, but it makes me queasy nonetheless.
by Chan_va
Mon Feb 10, 2014 12:24 am
 
Forum: Investing - Theory, News & General
Topic: Net Worth Survey 2014 Interactive Dashboard
Replies: 27
Views: 4156

Re: What's your dream car?

http://www.ultimatestreet.com/wp-content/uploads/2012/11/2011_ariel_atom_actf34_fd_1004102_717.jpg Ariel Atom. Yes that is street legal. Starting 50k-60k. Outperforms most 500k super cars. Downside... no air conditioning, upside... don't need it. I'm not thinking I'd like to be in it during a rain ...
by Chan_va
Sat Jan 25, 2014 1:18 pm
 
Forum: Personal Consumer Issues
Topic: What's your dream car?
Replies: 177
Views: 8956

Re: What's your dream car?

When I was 16: alfa romeo spider When i was 25: porsche 911 Now: a solid convertible on a nice summer day - boxster (mid end) or bentley or 911 turbo (high end) Of note: most convertibles, regardless of engine almost, are more fun in the summer than all sedans in my completely subjective opinion. I...
by Chan_va
Tue Jan 21, 2014 9:12 pm
 
Forum: Personal Consumer Issues
Topic: What's your dream car?
Replies: 177
Views: 8956

Re: What's your dream car?

Should have said "tainted by electric propulsion motors." There is nothing, nothing, like the sound of a high performance internal combustion engine. The sound of my Porsche under full throttle above 4000 rpm is nirvanna. If you can't appreciate it, you have no business commenting on the ...
by Chan_va
Tue Jan 21, 2014 8:56 pm
 
Forum: Personal Consumer Issues
Topic: What's your dream car?
Replies: 177
Views: 8956

Re: What's your dream car?

So far, Porsche is clearly leading the manufacturer's cup on this thread, with Nissan, Tesla and Audi bunched up in 2nd.

The VW group is doing quite well.
by Chan_va
Tue Jan 21, 2014 8:41 pm
 
Forum: Personal Consumer Issues
Topic: What's your dream car?
Replies: 177
Views: 8956

Re: What's your dream car?

Posted by Chan_va No "my dream car is my 15 year old corolla held together with duct tape" posts allowed. Ahh why not? What really turns me on is someone who keeps a car for over a decade and it still runs good. Not to hijack your thread, but as a Boglehead, I'm more turned on by Irv Gord...
by Chan_va
Tue Jan 21, 2014 4:34 pm
 
Forum: Personal Consumer Issues
Topic: What's your dream car?
Replies: 177
Views: 8956

Re: What's your dream car?

Nice responses so far. Victoria, I am pretty sure the Porsche 918 violates the 3x cost rule - unless you have a really expensive car right now.
by Chan_va
Tue Jan 21, 2014 1:56 pm
 
Forum: Personal Consumer Issues
Topic: What's your dream car?
Replies: 177
Views: 8956

What's your dream car?

Like a lot of you on the east coast, I am snowed in today. In the winter, a car nut's fancy lightly turns to thoughts of winding mountain roads and high powered automobiles. (Apologies to Tennyson) Cheer me up with your car fantasy. Your dream car and when/where you would want to be driving it. Rule...
by Chan_va
Tue Jan 21, 2014 11:21 am
 
Forum: Personal Consumer Issues
Topic: What's your dream car?
Replies: 177
Views: 8956

Re: 2014 Boglehead Predictions Thread

Glass half empty view

We will have a black swan event (is that a contradiction in terms?), with at least 3 daily swings of +- 5%.

TSM will end near flat on the year in real terms, with inflation rising.
by Chan_va
Tue Dec 24, 2013 10:31 am
 
Forum: Investing - Theory, News & General
Topic: 2014 Boglehead Predictions Thread
Replies: 53
Views: 4433

Re: Help examining a chart

[OT comment removed by admin LadyGeek]
by Chan_va
Fri Dec 20, 2013 10:06 pm
 
Forum: Investing - Theory, News & General
Topic: Help examining a chart
Replies: 16
Views: 752

Re: Kindle Paperwhite?

I have a paperwhite - I find that I cannot read on an LCD screen and much prefer the e-ink display. It's as close to paper as you are going to get. I loved my older kindle, but am not thrilled with the paperwhite - it has a back-lit screen, which is great for nighttime reading without any lights, bu...
by Chan_va
Wed Dec 11, 2013 4:00 pm
 
Forum: Personal Consumer Issues
Topic: Kindle Paperwhite?
Replies: 36
Views: 3259

Re: Only TIPs portfolio

At a 1% withdrawal rate, pretty much any portfolio will work. All tips seems unnecessarily risk averse. I would suggest that if they have been savvy enough to accumulate a portfolio where a 1% withdrawal rate will suffice, they know what they are doing. I wouldn't offer advice unless asked. Also 'pu...
by Chan_va
Sat Dec 07, 2013 7:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Only TIPs portfolio
Replies: 24
Views: 1207

Re: Confused about margin

Assuming I have $100 invested in marginable securities and I borrow $25 on margin and add to my $100 position, I'm now long $125. If the market falls 75% I will be left with $31.25 which is well above the $25 I borrowed so it won't trigger a margin call. I do understand that out of the $31.25 $25 b...
by Chan_va
Wed Nov 27, 2013 10:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Confused about margin
Replies: 23
Views: 1544

Re: BMW Shop/Mechanic in Washington D.C. Area?

I go to Grant at Alexandria Bavarian - http://www.alexandriabavarian.com/
BMW only shop - good guy and knows his stuff.
by Chan_va
Thu Oct 10, 2013 9:25 am
 
Forum: Personal Consumer Issues
Topic: BMW Shop/Mechanic in Washington D.C. Area?
Replies: 5
Views: 621

Re: Mid Cap- the sweet spot

There are 2 schools of thought

The Middle is the best because it combines the innovation of a small company with the resources and stability of a large one.
The Middle is the worst because it combines the bureaucracy and stagnation of a large company with the resources of a small one.
by Chan_va
Mon Sep 30, 2013 10:30 am
 
Forum: Investing - Theory, News & General
Topic: Mid Cap- the sweet spot
Replies: 13
Views: 1676

Re: Nanny Taxes

I do it all in Excel. It's not that hard. You have to pay state unemployment taxes, and employer taxes. Turbo tax handles all of it. You can generate a W2 from the SSA website for free.

http://www.ssa.gov/employer/
by Chan_va
Tue Sep 24, 2013 2:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Nanny Taxes
Replies: 11
Views: 758

Re: Rebalancing Bands - Inflation vs Nominal Bonds

There is a fundamental difference between rebalancing to maintain a AA from a stocks:bonds perspective, to rebalancing to maintain a real:nominal split. In the former case, you are rebalancing to reduce market risk, and there is such a thing as market momentum, and the rebalancing bonus is arguable....
by Chan_va
Mon Sep 23, 2013 10:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Bands - Inflation vs Nominal Bonds
Replies: 8
Views: 710

Re: Pay off our mortgage?

One consideration if you pay off your mortgage using bonds. If you think of your mortgage as a negative bond, you should think of it as a negative inflation protected bond. So, when you re balance back into bonds after payoff, you should re balance into inflation protected securities. Otherwise, yo...
by Chan_va
Mon Sep 23, 2013 9:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Pay off our mortgage?
Replies: 14
Views: 1692

Re: Pay off our mortgage?

One consideration if you pay off your mortgage using bonds. If you think of your mortgage as a negative bond, you should think of it as a negative inflation protected bond. So, when you re balance back into bonds after payoff, you should re balance into inflation protected securities. Otherwise, you...
by Chan_va
Mon Sep 23, 2013 9:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Pay off our mortgage?
Replies: 14
Views: 1692

Tax question - exchange rates

Folks, Quick question on how taxation on foreign income works. Say I deposit $100 in a foreign bank CD. After a year, I have accrued $4 in interest, but due to exchange rate fluctuations, my principal is now worth $90 when I withdraw it and bring it back to the US. On my tax return, I would claim $4...
by Chan_va
Fri Sep 20, 2013 10:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax question - exchange rates
Replies: 1
Views: 192

Re: Share Buybacks Vs. Dividends: Which Is More Beneficial?

Share buybacks are clearly better if management "knows" that they are undervalued. But if you believe in even a weak version of the EMH, then share buybacks and dividends (reinvested) should be neutral. But, if you don't reinvest dividends back into the company, then share buybacks concent...
by Chan_va
Thu Sep 19, 2013 10:53 am
 
Forum: Investing - Theory, News & General
Topic: Share Buybacks Vs. Dividends: Which Is More Beneficial?
Replies: 28
Views: 1682

Re: Trust and will for my mom

Make sure that your will specifies that the annuities should be purchased from 2-3 highly rated insurers, such that the amount with each is lower than your state's guaranteed limit.

http://directannuities.com/state-guaranteed-funds
by Chan_va
Tue Sep 17, 2013 11:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Trust and will for my mom
Replies: 16
Views: 1204

Re: More international in target funds generally

I don't agree that this is a fad. I think it's a reflection of the greater ease and lower cost of investing internationally. This should inch up to the market weight eventually, once the cost of investing anywhere is equal. For example, in 1940, if you had asked a financial adviser to construct a &q...
by Chan_va
Tue Sep 03, 2013 9:29 am
 
Forum: Investing - Theory, News & General
Topic: More international in target funds generally
Replies: 9
Views: 763

Re: India Crisis

Saw this morning that the Rupee is down 22% against the US Dollar in 4 months. I don't follow forex much - would that be considered a meltdown-size drop, or just a "significant" change? Forex volatility is somewhere between 4-10x S&P volatility. So, you could equate a 22% drop in fore...
by Chan_va
Wed Aug 28, 2013 10:30 am
 
Forum: Investing - Theory, News & General
Topic: India Crisis
Replies: 49
Views: 5411

Re: Poll: how much do you give to charity every year?

Some interesting numbers from this poll. According to this website - http://www.nptrust.org/philanthropic-resources/charitable-giving-statistics - The average annual household contribution for the US is $2,213 while the mean is $870.1 According to the poll - The average Boglehead charity contributio...
by Chan_va
Tue Aug 27, 2013 2:56 pm
 
Forum: Personal Consumer Issues
Topic: Poll: how much do you give to charity every year?
Replies: 25
Views: 2427

Re: Mvoing Emrging Markets to my Taxable Account

Why are you thinking about doing this? Do get holdings likely to produce long term capital gains into an account that would lower the rate they would be taxed. Good reason. If there is no cost in doing the change; then, go for it. Also, all other things being equal, you want the more volatile fund ...
by Chan_va
Tue Aug 27, 2013 2:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving Emrging Markets to my Taxable Account
Replies: 14
Views: 585

Re: Should I pay off zero percent car loan?

No it doesn't make sense to pay it off. But the more interesting question is, what should you do with the money that you could have paid it off with? You could take the "guaranteed" money by putting they amount toward paying off your mortgage. If you instead put it into equities, you have ...
by Chan_va
Tue Aug 27, 2013 2:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I pay off zero percent car loan?
Replies: 31
Views: 3866

Re: Mvoing Emrging Markets to my Taxable Account

Are you proposing changing your asset allocation? Or are you going to be selling some bonds from taxable and repurchasing in your IRA?

There is a small advantage to holding emerging markets in taxable due to the foreign tax credit.
by Chan_va
Tue Aug 27, 2013 1:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving Emrging Markets to my Taxable Account
Replies: 14
Views: 585

Re: Poll: how much do you give to charity every year?

Thanks for the responses all. For those who contribute their time, calculate what it would cost to hire an equivalent resource in the open market. And yes, for the purpose of this poll, count religious donations. I agree with nisiprius about trying to change how I give. I have tried some peer to pee...
by Chan_va
Mon Aug 26, 2013 9:55 pm
 
Forum: Personal Consumer Issues
Topic: Poll: how much do you give to charity every year?
Replies: 25
Views: 2427

Poll: how much do you give to charity every year?

Folks, I occasionally feel guilt that I don't do enough to help the less fortunate. I would like some sense of where I place among my peers (you all). Pleas vote as to how much you give to charitable causes annually. I considered structuring the poll as a % of income or net worth, but decided in the...
by Chan_va
Mon Aug 26, 2013 6:16 pm
 
Forum: Personal Consumer Issues
Topic: Poll: how much do you give to charity every year?
Replies: 25
Views: 2427

Re: When "getting back to even" isn't really even

Why are you (the OP) assuming that the holders of such a fund will sell it as soon as the duration is up (and/or, as soon as they are back to "nominally even" in the scenario you outline)? No, I'm not assuming that the holder will sell when duration is reached. I am simply saying that if ...
by Chan_va
Fri Aug 23, 2013 2:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: When "getting back to even" isn't really even
Replies: 19
Views: 1716

Re: Vanguard's Small-Cap Value Fund ER down to 0.1%

But what about the mid cap sector? Extended Market has ~ 3,000 stocks and Small Cap has about ~ 1,500. Why arn't mids consideread as imporatant as well? Because as in most things in life, a barbell works better. The middle usually inherits the worst of the top and bottom 1. Better to run fast for 1...
by Chan_va
Fri Aug 23, 2013 2:06 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's Small-Cap Value Fund ER down to 0.1%
Replies: 18
Views: 2011

Re: When "getting back to even" isn't really even

Rager1 wrote:
Chan_va wrote: (snip)...but unexpected inflation can ravage bonds...


And that is why TIPS are so important to bond investors.


Ed


Yes, and even better - iBonds - which protect you from inflation and deflation
by Chan_va
Fri Aug 23, 2013 1:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: When "getting back to even" isn't really even
Replies: 19
Views: 1716
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