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Re: Anyone know anything about diamond rings?

From the Boglehead point of view. Diamonds are all priced in tiers. One of the biggest tiers is sizes. A hypothetical identical diamond that is .73 carats will be less expensive than a .76 carat even if everything else is the same and it is impossible to see the difference between the two. Brilliant...
by Crow Hunter
Mon Sep 22, 2014 11:40 am
 
Forum: Personal Consumer Issues
Topic: Anyone know anything about diamond rings?
Replies: 16
Views: 397

Re: House broken into--please help

Another thing to keep in mind is that they will likely strike again if they get away with it this time. They will return after they believe the stuff has been replaced by insurance, remember they aren't that bright. Several of the people that I work with have been hit 2 and 3 times. Eventually thei...
by Crow Hunter
Fri Sep 19, 2014 8:22 pm
 
Forum: Personal Consumer Issues
Topic: House broken into--please help
Replies: 16
Views: 2258

Re: AliBaba

I heard about the "corporate structure" on NPR the other morning on the way to work. If I am going to own individual shares, I want to own the actual individual shares. That is not what you are going to get with Alibaba. From what little I know about it, it sounds like a company with a ser...
by Crow Hunter
Fri Sep 19, 2014 10:32 am
 
Forum: Investing - Theory, News & General
Topic: AliBaba
Replies: 89
Views: 5301

Re: House broken into--please help

Another thing to keep in mind is that they will likely strike again if they get away with it this time. They will return after they believe the stuff has been replaced by insurance, remember they aren't that bright. Several of the people that I work with have been hit 2 and 3 times. Eventually their...
by Crow Hunter
Fri Sep 19, 2014 10:17 am
 
Forum: Personal Consumer Issues
Topic: House broken into--please help
Replies: 16
Views: 2258

Re: A safe full of cash

I can't actually fathom having that much net worth so I don't know what I would do or how to cope with it. But I do keep disaster cash on hand. It is literally labled that in a sealed envelope in the gun safe. I also have a "oh crap bag" that has a hand cranked radio/cell charger, some eme...
by Crow Hunter
Fri Sep 19, 2014 8:09 am
 
Forum: Investing - Help with Personal Investments
Topic: A safe full of cash
Replies: 22
Views: 3018

Re: Bond Index Conundrum

Thanks guys! That helps clarify it for me. Follow on question. Does the same logic apply to Total International Bond fund as well? The holdings are largely investment grade Bonds from international government, agency, and lesser from corporate securities (see Overview tab on link). Japan Bonds, for...
by Crow Hunter
Thu Sep 18, 2014 12:20 pm
 
Forum: Investing - Theory, News & General
Topic: Bond Index Conundrum
Replies: 9
Views: 695

Re: Bond Index Conundrum

Thanks guys! That helps clarify it for me.

Follow on question.

Does the same logic apply to Total International Bond fund as well?
by Crow Hunter
Thu Sep 18, 2014 11:46 am
 
Forum: Investing - Theory, News & General
Topic: Bond Index Conundrum
Replies: 9
Views: 695

Bond Index Conundrum

I have read several mentions of this issue on other posts but I haven't been able to find a specific discussion on this issue. But it may be just my inability to use the right search terms to find it. The way I understand it, stock index funds based on market cap give you the largest and what the ma...
by Crow Hunter
Thu Sep 18, 2014 8:28 am
 
Forum: Investing - Theory, News & General
Topic: Bond Index Conundrum
Replies: 9
Views: 695

Re: Most cost effective means of protecting physical assets

Back to your original question I have always been taught to look at it in layers. -Good lighting outside the home -Remove hiding places that allow easy access. -Keep your doors locked -Have doors with good 3 point locking hardware with security screws going through the jambs into the wall -Monitored...
by Crow Hunter
Tue Sep 16, 2014 10:02 pm
 
Forum: Personal Consumer Issues
Topic: Most cost effective means of protecting physical assets
Replies: 50
Views: 3956

Re: Any success stories of ppl who never made >$50,000?

I have no idea what my parents actually made per year during their working years. My Mother stopped working in the late 1990's and my Dad offcially retired in 2001. Both of them worked for AT&T for the vast majority of their working careers. He as a lineman and she as a customer service represen...
by Crow Hunter
Tue Sep 16, 2014 3:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any success stories of ppl who never made >$50,000?
Replies: 149
Views: 9853

Re: Good hobby for a bright/obsessive 9 year old?

You son sounds exactly like me at that age. I was all about video games, AD&D and reading fantasy/sci-fi books. The one thing that I really enjoyed was getting involved in the things and hobbies that my Dad had. Now that my Father is gone, I really relish the time spent with him fishing, hunting...
by Crow Hunter
Tue Sep 16, 2014 12:45 pm
 
Forum: Personal Consumer Issues
Topic: Good hobby for a bright/obsessive 9 year old?
Replies: 73
Views: 3024

Re: Most cost effective means of protecting physical assets

Assessment of risk is so irrational and so easily manipulated by others. People tend to go to extraordinary lengths and expense to protect themselves against extremely rare occurrences (like major theft) while accepting large risks in other aspects of their lives without concern. So for example, we...
by Crow Hunter
Tue Sep 16, 2014 12:31 pm
 
Forum: Personal Consumer Issues
Topic: Most cost effective means of protecting physical assets
Replies: 50
Views: 3956

Re: Most cost effective means of protecting physical assets

In my personal experience, dogs have been much more dangerous to me than firearms. Just as firearms require training, so do dogs. Fwiw, I had an anti pit bull bias until, long story, I rescued one. Sweet as she is, I hired a professional dog trainer to insure that nothing unfortunate would happen; ...
by Crow Hunter
Tue Sep 16, 2014 11:15 am
 
Forum: Personal Consumer Issues
Topic: Most cost effective means of protecting physical assets
Replies: 50
Views: 3956

Re: Most cost effective means of protecting physical assets

Interesting. In my personal experience, dogs have been much more dangerous to me than firearms. None of the firearms that I have ever owned have attacked me or harmed anyone else. 3 dogs have attacked me without provocation. I would much rather have properly secured firearms than a dog for self defe...
by Crow Hunter
Tue Sep 16, 2014 9:03 am
 
Forum: Personal Consumer Issues
Topic: Most cost effective means of protecting physical assets
Replies: 50
Views: 3956

Re: Recommend good fantasy (alternative history) book?

Alternative History favorite author of mine is Harry Turtledove. Particularly the Southern Victory series. In this series he proposes that the Confederacy succeeds during the Civil War and what that does to change world history. I really enjoyed the stories and the characters even though I was more ...
by Crow Hunter
Sat Sep 13, 2014 2:10 pm
 
Forum: Personal Consumer Issues
Topic: Recommend good fantasy (alternative history) book?
Replies: 4
Views: 297

Re: Feeling smug until 10 year ROR from Vanguard

I was 100% stocks with a 50% international until joining this forum. Then I went to a 80/20 50% until a couple of months ago and now I am a 70/30 40%. Any chance your move to overweigh domestic stocks was caused by domestic stocks' recent outperformance of International? If you were asking me, whic...
by Crow Hunter
Sat Sep 13, 2014 1:19 pm
 
Forum: Investing - Theory, News & General
Topic: Feeling smug until 10 year ROR from Vanguard
Replies: 78
Views: 7204

Re: Feeling smug until 10 year ROR from Vanguard

It seems the 10 year data is limited to computers. When I looked on my mobile devices, I could only access 5 year data. 10 year, 9.5% w/o cash, 8.3% including cash 5 year, 11.6 w/o cash, 10.4 including cash I hadn't seen this feature before. I was able to get my 10 year returns on my iPad. My retur...
by Crow Hunter
Sat Sep 13, 2014 12:47 pm
 
Forum: Investing - Theory, News & General
Topic: Feeling smug until 10 year ROR from Vanguard
Replies: 78
Views: 7204

Re: Feeling smug until 10 year ROR from Vanguard

It seems the 10 year data is limited to computers. When I looked on my mobile devices, I could only access 5 year data. 10 year, 9.5% w/o cash, 8.3% including cash 5 year, 11.6 w/o cash, 10.4 including cash Would you mind posting your AA during those periods? Me: 10 year, 5.5% w/o cash, 5.1% includ...
by Crow Hunter
Sat Sep 13, 2014 8:57 am
 
Forum: Investing - Theory, News & General
Topic: Feeling smug until 10 year ROR from Vanguard
Replies: 78
Views: 7204

Re: Feeling smug until 10 year ROR from Vanguard

Maybe this is only new to me, but just noticed that Vanguard now has personal 10 year Rate of Return. I've been feeling smug during the past couple years with 5 year personal ROR's in the 9-10 % range. Now I see 10 year personal ROR at 5.1%. From memory I will attempt to paraphrase an author (maybe...
by Crow Hunter
Fri Sep 12, 2014 10:47 pm
 
Forum: Investing - Theory, News & General
Topic: Feeling smug until 10 year ROR from Vanguard
Replies: 78
Views: 7204

Re: Inverse Convexity of TBM

To me inverse either means opposite (like concavity) or the literal inverse 1/x of something. So maybe it is just a terminology thing. FWIW: 1/x is the multiplicative inverse. -x is the additive inverse. Isn't that what I said? Opposite being the same as saying the opposite of X is -X. Me and termi...
by Crow Hunter
Thu Sep 04, 2014 12:57 pm
 
Forum: Investing - Theory, News & General
Topic: Inverse Convexity of TBM
Replies: 13
Views: 581

Re: Inverse Convexity of TBM

http://www.bogleheads.org/forum/viewtopic.php?f=1&t=146017&newpost=2178725 Re: Will Bill Gross beat the Total Bond Market Index? by tetractys » Wed Sep 03, 2014 7:34 pm I've held the fund for the last couple years because it's the only decent bond option in my deferred comp plan. It's done s...
by Crow Hunter
Thu Sep 04, 2014 10:27 am
 
Forum: Investing - Theory, News & General
Topic: Inverse Convexity of TBM
Replies: 13
Views: 581

Re: Inverse Convexity of TBM

Ah. Okay. I understand (sort of :D ) positive and negative convexity. It was inverse convexity that I didn't understand. To me inverse either means opposite (like concavity) or the literal inverse 1/x of something. So maybe it is just a terminology thing. But wouldn't the Vanguard Intermediate Bond ...
by Crow Hunter
Thu Sep 04, 2014 10:21 am
 
Forum: Investing - Theory, News & General
Topic: Inverse Convexity of TBM
Replies: 13
Views: 581

Inverse Convexity of TBM

I have seen this mentioned a couple of times. I don't have a clue what it means. To me, the inverse of convexity would be concavity. :D I don't know how Geometric Dimensioning and Tolerancing applies to bond funds though. :wink: Can anyone shed some light on what this means and why it is a potential...
by Crow Hunter
Thu Sep 04, 2014 9:21 am
 
Forum: Investing - Theory, News & General
Topic: Inverse Convexity of TBM
Replies: 13
Views: 581

Re: New 2% cash back Mastercard from Citi

I have tried to apply 2X online and when I click submit, nothing happens.

Has anyone else had this problem?
by Crow Hunter
Thu Sep 04, 2014 9:17 am
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 195
Views: 20206

Re: Does anyone have 'Lazy Portfolios'?

If I could, I would have it all in a Life Strategy or Target retirement and never look at it. But I can't because of where the accounts are. S&P 500 Index in my 401k, same in my wife's 401k. Then our Vanguard accounts have Total Bond, Total International Stock and Total Stock Market with some Ex...
by Crow Hunter
Thu Sep 04, 2014 9:13 am
 
Forum: Investing - Theory, News & General
Topic: Does anyone have 'Lazy Portfolios'?
Replies: 85
Views: 6546

Re: Will Bill Gross beat the Total Bond Market Index?

I think he will. Based on my personal investing performance, whenever I get out of something, it does better. I switched out of PTTRX in my 401k to all S&P500 index fund and increased my TBM in my Vanguard holdings. Therefore, it should do better than TBM. I am a negative contrarian leading indi...
by Crow Hunter
Wed Sep 03, 2014 4:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Will Bill Gross beat the Total Bond Market Index?
Replies: 38
Views: 3769

Re: Advice on buying a single gold bullion coin

That's interesting that this type of coin is available from the US Mint. Their description for the American Eagle coins says they are "legal tender" but what are they worth as "legal tender". Do they have a fixed price as "legal tender"? What is it? (I'm not a coin col...
by Crow Hunter
Wed Sep 03, 2014 10:29 am
 
Forum: Personal Consumer Issues
Topic: Advice on buying a single gold bullion coin
Replies: 15
Views: 1623

Re: Advice on buying a single gold bullion coin

Just went through this. :) My wife bought me a 1/2 oz for my birthday. From my research you will pay more for an American Gold Eagle but you will usually find them easier to sell as well. If he/she is going to want to handle it/play with it (like me) get something that is "crown gold" like...
by Crow Hunter
Wed Sep 03, 2014 9:08 am
 
Forum: Personal Consumer Issues
Topic: Advice on buying a single gold bullion coin
Replies: 15
Views: 1623

Re: Determining who makes it past age 90?

I agree with the "nobody knows nuthin." My Father died at 62 and my Mother at 68. The entire rest of the family is still alive and their parents lived into their 80's and they all died of "old age". My Dad died of colon cancer 10 years ago. First person in the family to get canc...
by Crow Hunter
Tue Sep 02, 2014 4:51 pm
 
Forum: Personal Consumer Issues
Topic: Determining who makes it past age 90?
Replies: 32
Views: 1909

Re: Determining who makes it past age 90?

I agree with the "nobody knows nuthin." My Father died at 62 and my Mother at 68. The entire rest of the family is still alive and their parents lived into their 80's and they all died of "old age". My Dad died of colon cancer 10 years ago. First person in the family to get canc...
by Crow Hunter
Tue Sep 02, 2014 4:46 pm
 
Forum: Personal Consumer Issues
Topic: Determining who makes it past age 90?
Replies: 32
Views: 1909

Re: Determining who makes it past age 90?

I agree with the "nobody knows nuthin." My Father died at 62 and my Mother at 68. The entire rest of the family is still alive and their parents lived into their 80's and they all died of "old age". My Dad died of colon cancer 10 years ago. First person in the family to get cance...
by Crow Hunter
Tue Sep 02, 2014 1:27 pm
 
Forum: Personal Consumer Issues
Topic: Determining who makes it past age 90?
Replies: 32
Views: 1909

Re: If you had an extra $100,000

This is pretty funny. I actually posted the same question on another discussion board (not financially related) that I am on a couple months ago just to see what answers I got. Surprisingly most answers were related to paying off debt. I would invest 100% into Vanguard Total International and rebala...
by Crow Hunter
Thu Aug 28, 2014 1:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you had an extra $100,000
Replies: 68
Views: 7201

Re: Tax loss harvesting

So what if a person TLH Total Stock Market in their taxable account and invested into Total International, then converted Total International held in IRA's to Total Stock Market to keep the same Asset Allocation? Would this trigger wash sale rules? If so, can people get into trouble if they have div...
by Crow Hunter
Thu Aug 28, 2014 11:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting
Replies: 32
Views: 1540

Re: How do you usually pay for something under $5?

I use my credit card for everything that doesn't charge me extra to use and I am 40. I have been doing this since the late 1990s. I usually have a few dollars ($20-40)in my wallet and I usually keep spare change at home to use in the machines here at work since they started charging $.10 extra to us...
by Crow Hunter
Wed Aug 27, 2014 4:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you usually pay for something under $5?
Replies: 28
Views: 1224

Re: Savers vs. Spenders: Default Mode

I think to a large degree that tendency - one way or the other - is innate. It has to be. My brother and I both grew up with the same parents only 4 years apart. Went to the same schools, same teachers in many cases. Our parents were both prodigious savers to the point my Father was nearly a hoarde...
by Crow Hunter
Wed Aug 27, 2014 3:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savers vs. Spenders: Default Mode
Replies: 34
Views: 2235

Re: Savers vs. Spenders: Default Mode

I think it's hard for most people to save because most people just don't make that much money. In my opinion, saving is more of a privilege than a norm. I somewhat disagree. Take my extended family for instance. My Dad's side: 5 kids. Only 2 graduated from high school. No college. 2 were very "...
by Crow Hunter
Wed Aug 27, 2014 1:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savers vs. Spenders: Default Mode
Replies: 34
Views: 2235

Re: Do you take all of your allowed paid vacation time?

I don't take all of mine but they roll forward up to 2x my yearly accrual. I can get up to 6 weeks this way. It came in very handy at the first of this year when my Mom was ill. I had 173 hours when she was diagnosed and I was down to 20 some odd when she passed away. That kept me from having to tak...
by Crow Hunter
Fri Aug 22, 2014 10:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you take all of your allowed paid vacation time?
Replies: 88
Views: 5725

Re: Gold, Silver, Copper

I always wanted some (depleted) uranium, but I guess they don't make coins out of it. L. They do make 30mm cannon rounds out of it. Maybe you could get a pulled projectile? :wink: I met a guy who was present during the original DU testing. They set up an armor plate target in front of a berm and fi...
by Crow Hunter
Thu Aug 21, 2014 4:09 pm
 
Forum: Investing - Theory, News & General
Topic: Gold, Silver, Copper
Replies: 113
Views: 7204

Re: Gold, Silver, Copper

My wife just recently gave me an early birthday present. 1/2 oz AGE and a Silver Eagle. It is SO COOL. I look at them every night before I go to bed. My wife asked me if I am going to start calling them "My precious". Now I want to buy more. :greedy I want a 1/10 oz, a 1/4 oz, a full oz, ...
by Crow Hunter
Thu Aug 21, 2014 4:02 pm
 
Forum: Investing - Theory, News & General
Topic: Gold, Silver, Copper
Replies: 113
Views: 7204

Re: Gold, Silver, Copper

I think gold and silver is actually physically addicting. Once you touch a gold coin, it makes you want to touch more. i don't have the same feeling when touching my ibonds :annoyed With a big enough stack, you might! I do with my stack currently valued at about $350,000 If I had a stack of Ibonds ...
by Crow Hunter
Thu Aug 21, 2014 10:43 am
 
Forum: Investing - Theory, News & General
Topic: Gold, Silver, Copper
Replies: 113
Views: 7204

Re: Gold, Silver, Copper

My wife just recently gave me an early birthday present. 1/2 oz AGE and a Silver Eagle. It is SO COOL. I look at them every night before I go to bed. My wife asked me if I am going to start calling them "My precious". Now I want to buy more. :greedy I want a 1/10 oz, a 1/4 oz, a full oz, a...
by Crow Hunter
Thu Aug 21, 2014 10:02 am
 
Forum: Investing - Theory, News & General
Topic: Gold, Silver, Copper
Replies: 113
Views: 7204

Re: Mississippi wins!

But how is the economy doing? The h.s. graduation rate is one of the lowest in the U.S. and I can't imagine that's a great economic indicator. http://www.higheredinfo.org/dbrowser/index.php?measure=23 It depends on where you are in MS. (Location, Location, Location) In the NE part of the state wher...
by Crow Hunter
Tue Aug 19, 2014 10:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Mississippi wins!
Replies: 14
Views: 1860

Re: Your biggest "Missed Money" event that still kills you?

#1 Not buying gold and silver coins back around 2003-04 time frame. I have always wanted some (from my D&D playing days) but I decided not to buy them because the price had gone up a little and I would just wait until the price went down some.... :oops: #2 Listening to Dave Ramsey in 2007-2008 a...
by Crow Hunter
Mon Aug 18, 2014 4:21 pm
 
Forum: Investing - Theory, News & General
Topic: Your biggest "Missed Money" event that still kills you?
Replies: 102
Views: 8089

Re: Vanguard Agent Authorization

I asked him what the suspicious activity was... "Both accounts were logged in from the same computer back to back." I hope this isn't a sign of things to come with Vanguard or anyone else. I must say that my accounts and my wife's accounts often are accessed from the same computer within ...
by Crow Hunter
Mon Aug 18, 2014 4:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Agent Authorization
Replies: 40
Views: 2671

Re: Huff Post: How Financially Literate Is the Investing Pub

Fallible wrote: 

Illiteracy is the first problem to tackle. If one doesn’t know what “fees” mean, let alone “compounding,” or if one doesn’t know what “math” means, let alone “reading,” if one can’t read math instructions...and on and on. I had read the excellent NYT article and this is what spoke...
by Crow Hunter
Mon Aug 18, 2014 4:05 pm
 
Forum: Investing - Theory, News & General
Topic: Huff Post: How Financially Literate Is the Investing Public?
Replies: 52
Views: 4678

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

I must be one of the few raised in the early 20th century. I like honorifics. How can you not be honored if someone includes you in their family and has their children call you Aunt or Uncle, even if you are not? What greater honor is there than to be called mom or dad by someone who is not your bi...
by Crow Hunter
Fri Aug 08, 2014 10:24 pm
 
Forum: Personal Consumer Issues
Topic: How do you address your inlaws and being addressed?
Replies: 84
Views: 4759

Re: Roof replacement

Make sure you hire a good quality roofer.

Not someone who just picks up people at Lowe/Home Depot parking lot every day because they can pick up a hammer.

Even high quality shingles will leak and/or blow off if they are "high nailed" or or otherwise incorrectly installed. :annoyed
by Crow Hunter
Fri Aug 08, 2014 9:31 pm
 
Forum: Personal Consumer Issues
Topic: Roof replacement
Replies: 13
Views: 1168

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

First names with in-law parents on both sides. Pet names for her and my Grand parents. I still call and refer to her Grandparents (still living) as Nanny and Paki and her other Grandmother (since passed) as Mammaw. She called my Grandmother Mama XXXXX which is what I called her even since she has pa...
by Crow Hunter
Fri Aug 08, 2014 2:56 pm
 
Forum: Personal Consumer Issues
Topic: How do you address your inlaws and being addressed?
Replies: 84
Views: 4759

Re: Public not saving for retirement

In most cases, I'm pretty sure lack of financial knowledge isn't the problem. Even the vast majority of people who invest poorly end up doing okay in the end. The real problem is that so many people just don't have any money left over to save. The financial literacy movement has been, I think, most...
by Crow Hunter
Fri Aug 08, 2014 12:44 pm
 
Forum: Investing - Theory, News & General
Topic: Public not saving for retirement
Replies: 24
Views: 3578

Re: How often do you replace bath towels?

An off topic suggestion which this subject brought to mind - Buy several cheap towels - beach towels on clearance at the end of the summer season are perfect - and keep them in your car. It's amazing how often they come in handy! If someone is cold, they can be a blanket. If someone is wet or dirty...
by Crow Hunter
Fri Aug 08, 2014 11:32 am
 
Forum: Personal Consumer Issues
Topic: How often do you replace bath towels?
Replies: 50
Views: 3980
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