Search found 208 matches

by CrossOverGuy
Fri Aug 28, 2015 12:44 am
Forum: Investing - Theory, News & General
Topic: Substitutes for WSJ Personal Finance and Investing Article
Replies: 16
Views: 2319

Jonathan Clements left WSJ again back in June

[Thread merged into here, see below. --admin LadyGeek] Apparently he stopped writing columns during his second time there again this past June. But his eponymous website still has links to other articles he has written and his books and other things he is working on. I've been reading his 2015 Mone...
by CrossOverGuy
Wed Aug 26, 2015 4:16 pm
Forum: Investing - Theory, News & General
Topic: More Proof: The 'Do Nothing' Strategy Works
Replies: 15
Views: 2760

Re: More Proof: The 'Do Nothing' Strategy Works

Isn't today one of those few days that they make tables and studies about over the years saying that if you missed being in the market on certain "up" days your total return would be much less? I'm not quite sure how that works if you are already in the market doing nothing (like I did) th...
by CrossOverGuy
Sun Aug 02, 2015 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard Funds Are Right For Me?
Replies: 12
Views: 947

Re: Which Vanguard Funds Are Right For Me?

I think you might want to own some bonds, since in case there is a stock market correction, you'll find that generally as stock funds go down, your bonds will either go up a bit or not go down as much, thus acting as a bit of an anchor in troubled waters. No, you won't earn as much in them in a risi...
by CrossOverGuy
Sat Aug 01, 2015 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard's "consider" tabs in "Portfolio Watch" re: international
Replies: 3
Views: 400

Re: Vanguard's "consider" tabs in "Portfolio Watch" re: international

Thanks for your reply. I guess they are trying to be helpful, but it is a bit weird to see such a high amount they are suggesting for foreign bonds especially. Perhaps if they said "we recommend a minimum of 20% in foreign bonds" rather than "20% to 50%", I wouldn't have objected...
by CrossOverGuy
Sat Aug 01, 2015 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard's "consider" tabs in "Portfolio Watch" re: international
Replies: 3
Views: 400

Vanguard's "consider" tabs in "Portfolio Watch" re: international

I think this is a cool feature on Vanguard's site, with the ability to some extent see the composition of one's holdings, as well as the average cost of funds held, if one's account is in tax-advantaged funds, using a core of index funds vs. active, etc. It usually gives you an "ok" or a &...
by CrossOverGuy
Thu Jul 23, 2015 7:35 pm
Forum: Personal Consumer Issues
Topic: Greatest money lesson movie
Replies: 71
Views: 7114

Re: Greatest money lesson movie

Erich von Stroheim's silent classic "Greed" especially in the restored 4 hour version sometimes shown on TCM hasn't been mentioned. The whole film deals with the corrupting force of gold and money with an unqualified, charlatan dentist and his relationship with his wife who turns into a mi...
by CrossOverGuy
Thu Jul 23, 2015 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: When and how is the expense ratio of mutual funds deducted?
Replies: 6
Views: 901

When and how is the expense ratio of mutual funds deducted?

Is it deducted daily after all trades are settled? Annually? When an investor sells their shares or reinvests and buys new ones? When we see the 1, 5, 10 year records of a fund, is this after the expense ratio has been deducted? I've never quite figured out how this important expense is actually ded...
by CrossOverGuy
Tue Jul 21, 2015 12:28 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle in this Month's Money Magazine
Replies: 79
Views: 8610

Re: Jack Bogle in this Month's Money Magazine

I'll reference a post I wrote several years ago to reply to why I think it's a good idea to have some international diversification. I think it still applies. "Andrew Tobias in his classic book "The Only Investment Guide You'll Ever Need" makes a really good point. Stock markets of di...
by CrossOverGuy
Thu Apr 30, 2015 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on trip to Vienna
Replies: 21
Views: 1914

Re: Advice on trip to Vienna

I haven't been for many years, but some of the best sightseeing in Vienna never changes. The Statsopera, the main opera and other opera houses like the Volksoper (for operetta and lighter works) are wonderful places to take in a performance. There are homes of composers who lived here: so many, in f...
by CrossOverGuy
Thu Apr 30, 2015 1:56 am
Forum: Personal Finance (Not Investing)
Topic: Spendy spouse
Replies: 110
Views: 11659

Re: Spendy spouse

Did you ever see the old film "Dodsworth"? It's a classic about a wealthy industrialist about to retire with a very high maintenance wife who take a trip to Europe. Based upon her conduct there, he starts to open his eyes to her behavior and his and her values. Perhaps you might want to wa...
by CrossOverGuy
Mon Jan 12, 2015 12:03 pm
Forum: Investing - Theory, News & General
Topic: Israel bonds [how to evaluate political risk?]
Replies: 17
Views: 1666

Re: Israel bonds [how to evaluate political risk?]

One point to keep in mind regarding Israeli bonds: how difficult it might be to redeem them. I was executor on a will and had to hire attorneys in Israel as well as my attorney in the U.S. because of all the paperwork needed to cash in these bonds. It got very expensive and took a long time. Maybe t...
by CrossOverGuy
Thu Dec 18, 2014 11:56 pm
Forum: Personal Consumer Issues
Topic: Vinyl (as in old records)
Replies: 10
Views: 1022

Re: Vinyl (as in old records)

To some extent, vinyl is coming back -- some current artists are actually releasing albums in that format again. The sound of records is warm and luscious, and there's room for wonderful cover art. Turntables are still for sale, including some which allow you to transfer them to your computer as MP3...
by CrossOverGuy
Sat Nov 08, 2014 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: What if I Never Buy a House?
Replies: 57
Views: 7928

Re: What if I Never Buy a House?

We're all really renting for the most part anyway in the larger scheme of things! Though, of course, you might want to pass ownership of a house on to another generation or a spouse. In a house ownership situation your payments are building up equity, whereas rent payments just go to your landlord a...
by CrossOverGuy
Fri Oct 17, 2014 9:54 pm
Forum: Personal Consumer Issues
Topic: Turning off automatic suggestions for websites in browser?
Replies: 2
Views: 460

Re: Turning off automatic suggestions for websites in browse

Thanks very much. It worked! Plus I can turn it on and off if I so desire. :D
by CrossOverGuy
Fri Oct 17, 2014 9:32 am
Forum: Personal Consumer Issues
Topic: Turning off automatic suggestions for websites in browser?
Replies: 2
Views: 460

Turning off automatic suggestions for websites in browser?

I would appreciate if someone could tell me how to turn off automatic suggestions for past websites in Firefox. While sometimes it is helpful to be reminded of past places one has visited, I'm finding it is really very distracting when I'm starting to type in a "c" and have listings for Cn...
by CrossOverGuy
Sun Aug 31, 2014 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: Value in Diversifying Across Investment Companies?
Replies: 9
Views: 869

Re: Value in Diversifying Across Investment Companies?

I think that in a worst case scenario, hearing that say, Vanguard has been hacked and/or you can't log into your account on their website for some reason, you will feel somewhat better if you can still access your Fidelity accounts. Or vice versa. Actually a worst case scenario would be if both were...
by CrossOverGuy
Thu Jul 31, 2014 2:46 pm
Forum: Investing - Theory, News & General
Topic: International investing. A good call by our mentor.
Replies: 150
Views: 16586

Re: International investing. A good call by our mentor.

Andrew Tobias in his classic book "The Only Investment Guide You'll Ever Need" makes a really good point. Stock markets of different countries move up and down somewhat independent of each other. A U.S. investor in 1929 who was wise enough to place 50% in foreign stocks would have needed o...
by CrossOverGuy
Sat Jul 19, 2014 5:59 pm
Forum: Personal Consumer Issues
Topic: Memory foam mattresses - any insight?
Replies: 67
Views: 8086

Re: Memory foam mattresses - any insight?

I bought on two different occasions foam memory pillows at a department store (Lord & Taylor, then Macy's); however, while I was getting used to the feel of them after a while, they had a terrible smell to them. The instructions told me to air them out for a while, and I did for at least a week,...
by CrossOverGuy
Sat Jul 12, 2014 10:39 am
Forum: Personal Finance (Not Investing)
Topic: bogleheads thoughts on renter's insurance?
Replies: 40
Views: 5095

Re: bogleheads thoughts on renter's insurance?

If you do get renter's insurance, pay a bit extra and get the replacement value option. Otherwise, the insurance company will only pay the depreciated value (or what they think it is) of your property. The replacement value option will pay for what it actually costs to replace your property at today...
by CrossOverGuy
Tue Jun 10, 2014 12:54 pm
Forum: Investing - Theory, News & General
Topic: At what point do munis make sense?
Replies: 65
Views: 7147

Re: At what point do munis make sense?

With what banks are paying (like almost nothing), traditionally folks in higher tax brackets have done well in municipal bonds. But there have been times (lately) when even folks in the lowest tax brackets would do better to have some municipal bonds; you could see this by comparing the taxable and ...
by CrossOverGuy
Sun Jun 08, 2014 1:36 pm
Forum: Personal Consumer Issues
Topic: Favorite guitarist...
Replies: 207
Views: 22179

Re: Favorite guitarist...

Don't forget this one lady: Charo (yes, she of the "cutchi cutchie" fame); she studied with Segovia, and is a very fine classical guitarist.

https://www.youtube.com/watch?v=XmNPXqG6ovg
by CrossOverGuy
Mon May 19, 2014 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Jonathan Clements and Jason Zweig tv interview on retirement
Replies: 1
Views: 496

Jonathan Clements and Jason Zweig tv interview on retirement

Here's a link to Mssrs. Clements and Zweig being interviewed by Consuelo Mack about retirement planning. Very interesting, especially since these are two of the best financial writers in the business, and they are quite in the Boglehead tradition. http://www.ritholtz.com/blog/2014/04/on-investing-jo...
by CrossOverGuy
Wed May 14, 2014 10:51 pm
Forum: Investing - Theory, News & General
Topic: Books for someone who is not that interested
Replies: 48
Views: 4411

Re: Books for someone who is not that interested

Jonathan Clements' "The Little Book of Main Street Money" - small book packed with great information on investing and other financial and life matters pertaining to personal finance Another nod to Andrew Tobias' "The Only Investment Guide You'll Ever Need" - very funny book as we...
by CrossOverGuy
Sun Apr 06, 2014 2:03 pm
Forum: Investing - Theory, News & General
Topic: Can too high a % of market indexing become a liability?
Replies: 9
Views: 1240

Can too high a % of market indexing become a liability?

I don't think it's ever going to reach anywhere near 100% of people investing in the stock market totally indexing their money because good ol' greed and fear moves the market while people buying and holding will tend to reap benefits for not panicking and holding on. But since there is a definite m...
by CrossOverGuy
Fri Apr 04, 2014 11:14 pm
Forum: Personal Consumer Issues
Topic: Preventing Office Theft of Food and Other Stuff
Replies: 78
Views: 8125

Re: Preventing Office Theft of Food and Other Stuff

I once worked for some place where I had brought in some food from a take-out place, ate some and found later in the evening that the remainder was missing from the refrigerator. I walked into a room where a number of people were and announced that it's a shame that someone might have finished my fo...
by CrossOverGuy
Fri Apr 04, 2014 2:35 pm
Forum: Personal Consumer Issues
Topic: Buying for someone who "has everything"
Replies: 43
Views: 2977

Re: Buying for someone who "has everything"

A number of books say that experiences (and memories of them) are many times more treasured than possessions. So, depending upon where you are located, I would suggest getting tickets to a great live show or musical performance and/or treat yourself to a great meal in a beautiful restaurant where yo...
by CrossOverGuy
Thu Mar 20, 2014 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Friend possibly victim of real estate dual agency
Replies: 27
Views: 2959

Re: Friend possibly victim of real estate dual agency

How much of a difference were there between offers?


I think it was about a $50,000 difference between the offers from what my friend says.
by CrossOverGuy
Thu Mar 20, 2014 12:40 am
Forum: Personal Finance (Not Investing)
Topic: Friend possibly victim of real estate dual agency
Replies: 27
Views: 2959

Friend possibly victim of real estate dual agency

My friend told me that she had recently agreed to sell her co-op in Manhattan for what sounded like a good sum, not long after an open house. However, she mentioned that her real estate broker had pressured her and her husband to accept this one person's offer. However, the agent also mentioned ther...
by CrossOverGuy
Wed Feb 26, 2014 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: How long to keep papers - conversion or contribut. Roth IRA?
Replies: 1
Views: 205

How long to keep papers - conversion or contribut. Roth IRA?

Just wondering for record-keeping purposes for IRS and for when I start actually making withdrawals from my various Roth IRA accounts, how long do I have to keep papers saying I partially converted such amount (or made contributions) to a Roth? I mean, my accounts at the financial institutions like ...
by CrossOverGuy
Tue Feb 25, 2014 12:12 pm
Forum: Personal Consumer Issues
Topic: Kiplinger's,Money or any other publication.....
Replies: 10
Views: 1196

Re: Kiplinger's,Money or any other publication.....

I've subscribed to "Money" for a number of years -- one thing I'm happy about is I believe that it led me to the Boglehead's site - first over at Morningstar and then here. You can sometimes get it by redeeming frequent flyer miles; although when my last subscription was expiring, they off...
by CrossOverGuy
Thu Jan 02, 2014 11:32 pm
Forum: Personal Consumer Issues
Topic: The Funniest Movie Ever
Replies: 227
Views: 17276

Re: The Funniest Movie Ever

I have a whole list of them that I made which I sent to cheer up a relative who was recovering from cancer surgery to watch (he survived). Here are some that haven't been mentioned: Ruthless People - Danny DeVito, Bette Midler The In-Laws (original) - Peter Falk, Alan Arkin Where’s Poppa w/George Se...
by CrossOverGuy
Wed Oct 23, 2013 1:54 pm
Forum: Investing - Theory, News & General
Topic: What to Read After the Bogleheads Guide to Investing?
Replies: 25
Views: 2640

Re: What to Read After the Bogleheads Guide to Investing?

Jonathan Clements' "The Little Book of Main Street Money: 21 Simple Truths that Help Real People Make Real Money" is a small book with lots of great ideas about investing, saving money and happiness. Mr. Clements was the personal finance columnist at the "Wall Street Journal" for...
by CrossOverGuy
Sun Aug 11, 2013 11:31 am
Forum: Personal Consumer Issues
Topic: Want to cut the cable cord
Replies: 67
Views: 7011

Re: Want to cut the cable cord

I'm in NYC. I'm thinking of cutting the cord from Time Warner Cable from their cable tv, but they have just announced that they are raising the rates for standard (highest level) stand-alone internet service to about $55/ month, almost doubling it from what I'm getting as part of my current cable/in...
by CrossOverGuy
Sun Jul 21, 2013 2:32 pm
Forum: Investing - Theory, News & General
Topic: vanguard total bond versus intermediate bond
Replies: 56
Views: 11345

Re: vanguard total bond versus intermediate bond

The negative convexity of Mortgage Backed Securities in TBM are part of it as well. More derivative than bond, they are a method mortgage bankers use to externalize losses onto investors. When interest rates go up, MBS prices drop like long-term bonds. Down, their prices rise slowly or not at all. ...
by CrossOverGuy
Fri Jul 19, 2013 1:27 pm
Forum: Personal Consumer Issues
Topic: Anybody here own an Endless Pool?
Replies: 12
Views: 4912

Re: Anybody here own an Endless Pool?

My gym has a fairly small pool; there is an elastic attachment which allows swimmers who want to swim laps continuously without having to keep turning around. You might want to experiment with that contraption at another pool to see if you would be ok or bored with swimming basically in place before...
by CrossOverGuy
Sat Jul 13, 2013 11:19 am
Forum: Personal Consumer Issues
Topic: [Can you recommend]A spectacular movie, and a terrible movie
Replies: 161
Views: 12096

Re: [Can you recommend]A spectacular movie, and a terrible m

One of the greatest of all musicals is an early film called "Love Me Tonight" starring Maurice Chevalier, Jeanette McDonald and Myrna Loy, with the first original score for the movies written by Richard Rodgers and Lorenz Hart, with classic songs like "Isn't It Romantic", "L...
by CrossOverGuy
Thu Jul 11, 2013 10:40 pm
Forum: Investing - Help with Personal Investments
Topic: Why does Vanguard show account #s on balance & holding page?
Replies: 8
Views: 788

Re: Why does Vanguard show account #s on balance & holding p

I don't trade very much, but I'll take your word for it if something needs to be done in that regard; I'm actually much more of a buy-and-holder, so my whines are more limited in scope. :) Relax, you sound like you could use a glass of wine yourself. It's not a big deal for Vanguard to hide the acco...
by CrossOverGuy
Thu Jul 11, 2013 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Why does Vanguard show account #s on balance & holding page?
Replies: 8
Views: 788

Why does Vanguard show account #s on balance & holding page?

I would rather that they express in percentages next to the amount of NAV in dollars and cents how much a fund went up or down that day. In other words, for instance, that Total Stock Index went up $0.20 (+0.10%), etc. rather than just the dollar (or cents) amount without the context of how much of ...
by CrossOverGuy
Wed Jul 03, 2013 4:56 pm
Forum: Investing - Theory, News & General
Topic: 1929 Crash being a Boglehead?
Replies: 74
Views: 6186

Re: 1929 Crash being a Boglehead?

I think most Bogleheads probably haven't signed up for margin accounts. I think what wiped out a lot of people were margin calls from their brokers telling them to ante up some more money into their accounts to get up to the level agreed upon; since most everything was going down, down, down, the br...
by CrossOverGuy
Sat Jun 29, 2013 4:19 pm
Forum: Investing - Theory, News & General
Topic: What do you wish you had learned sooner?
Replies: 104
Views: 14173

Re: What do you wish you had learned sooner?

"Wall Street" has a vested interest in making things sound very complicated so they can sell you their services and products at much higher rates than are necessary. You can tell your students that anything that they can't understand isn't worth investing in. They can, with a diversified p...
by CrossOverGuy
Sat Jun 29, 2013 3:06 pm
Forum: Investing - Theory, News & General
Topic: WSJ's Zweig: Saving Investors From Themselves
Replies: 23
Views: 3781

Re: WSJ's Zweig: Saving Investors From Themselves

Jason Zweig and Jonathan Clements are my two of my favorite personal finance writers. I have clipped (and now scanned) quite a few of their columns over the years, because they just make a lot of sense and more importantly, seem genuinely interested in helping individual investors. Clements especial...
by CrossOverGuy
Tue Jun 25, 2013 2:41 pm
Forum: Investing - Theory, News & General
Topic: Is George Zimmer firing = to John Bogle's from Vanguard?
Replies: 17
Views: 1678

Is George Zimmer firing = to John Bogle's from Vanguard?

Zimmer was fired the other day from Men's Wearhouse. I realize that Mr. Bogle wasn't quite fired, but he was pretty much ousted from the company he started. It just struck me as I was reading the news that Mr. Bogle came to mind as having gone down this road before.
by CrossOverGuy
Tue Jun 25, 2013 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Money Market Account
Replies: 3
Views: 524

Re: Money Market Account

At this point in time, I would mainly use a money market fund as a way-station for some cash at hand for when I wanted to purchase a stock or bond fund "on sale" (and/or as part of one's asset allocation plan). If you have Prime Money Market at Vanguard, for instance, if you placed your on...
by CrossOverGuy
Mon Jun 10, 2013 7:04 pm
Forum: Personal Consumer Issues
Topic: Visiting Costa Rica for a week in August
Replies: 14
Views: 2072

Re: Visiting Costa Rica for a week in August

Lots of wonderful places to visit in Costa Rica. I'd say near Manuel Antonio Park, the closest town being Quepos might be a possibility. It's very beautiful with lots monkeys, bird-watching, beaches, and there is sailing nearby, horseback riding; I think you can make arrangements for ziplines and ot...
by CrossOverGuy
Mon Jun 10, 2013 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: Wellington Fund or Total Stock Market Index Fund?
Replies: 19
Views: 3665

Re: Wellington Fund or Total Stock Market Index Fund?

Taylor, I wouldn't discourage this person with all those quotes. Yes, they are correct. But, it's not like he is seeing some fund with a 1, 2, or 5-year record only. Wellington was created right before the 1929 crash and has weathered bull and bear markets and other market crashes. It is indeed acti...
by CrossOverGuy
Fri May 17, 2013 12:50 pm
Forum: Investing - Theory, News & General
Topic: Another look at Jim Cramer's stock picks
Replies: 29
Views: 4168

Re: Another look at Jim Cramer's stock picks

Wasn't the character of Bulldog on the tv show "Frasier" based on Jim Cramer to some extent? Even though Bulldog was a sports radio announcer, his on-air tactics and over the top persona, including sound effects, were very similar to Cramer's.
by CrossOverGuy
Fri Apr 19, 2013 12:30 pm
Forum: Investing - Theory, News & General
Topic: Are bitcoins something like internet tulips?
Replies: 62
Views: 3893

Re: Are bitcoins something like internet tulips?

There are at least two previous threads on the topic you should be able to find with a forum search. It doesn't seem likely that a new thread would be useful. I read one of them, and it got a bit more complex than I want to read. I want a simplified version; someone once said something to the effec...
by CrossOverGuy
Fri Apr 19, 2013 12:09 pm
Forum: Investing - Theory, News & General
Topic: Are bitcoins something like internet tulips?
Replies: 62
Views: 3893

Are bitcoins something like internet tulips?

Could someone please explain what this so-called currency is? What can people supposedly buy with it? It sounds to me like some over-hyped sleight of hand, but it is being discussed more often on some sites. I could be wrong, but my gut feeling says avoid and run away.
by CrossOverGuy
Wed Mar 27, 2013 2:47 pm
Forum: Investing - Theory, News & General
Topic: [POLL] What would you like Vanguard to change or improve?
Replies: 92
Views: 7174

Re: [POLL] What would you like Vanguard to change or improve

How about Vanguard match our retirement contributions up to say, 6%? :-) Anything in the organizational structure for or against? :D
by CrossOverGuy
Thu Mar 21, 2013 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with inheritance money?
Replies: 4
Views: 706

Re: What to do with inheritance money?

Sorry for your loss. I'll only address the part about what to do with IRA money -- especially if it was from a regular IRA, you would want to put that into an Inheritance IRA. Make sure it is a direct transfer from its current place to the new one, and be sure it is titled as ["your name" ...

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