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Re: The article on tax efficient placement needs to be rewri

rca1824, One of the defining characteristics of a wiki is that it is collaborative, rather than written by only one person. In fact, a wiki thrives when it has more contributions. So if you have an addition you think valuable, I invite you to please go ahead and just add it to the wiki. The wiki is ...
by CyberBob
Wed Jul 23, 2014 1:25 pm
 
Forum: Investing - Theory, News & General
Topic: The article on tax efficient placement needs to be rewri
Replies: 60
Views: 2937

Re: Do you own a DOW30 or NASDAQ100index fund?

I don't think that number of companies is necessarily the critical factor between these two indexes. If these were the only two options, I'd prefer the Dow because although it has fewer companies, it seems to be designed to be a more diverse index and more representative of the economy. The NASDAQ i...
by CyberBob
Wed Jul 23, 2014 11:48 am
 
Forum: Investing - Theory, News & General
Topic: Do you own a DOW30 or NASDAQ100 index fund?
Replies: 14
Views: 692

Re: Paperwhite for Cloudy-Day Reading

The Paperwhite is actually front lit, not back lit. That is, the light is in front of the e-ink screen, rather than behind and shining through it like an LCD screen. To me, that results in no added eyestrain. And yes, the brightness is adjustable. Although, while it certainly does light the screen, ...
by CyberBob
Sun Jul 13, 2014 7:59 pm
 
Forum: Personal Consumer Issues
Topic: Paperwhite for Cloudy-Day Reading
Replies: 21
Views: 1818

Re: Ditch car and commute to work in 250cc scooter in Raleig

tidalwave10 wrote:Considered a SmartCar for Two once.

If you're going to go that route, a Scion IQ (Toyota) is much nicer.

Bob
by CyberBob
Sat Jul 12, 2014 11:02 am
 
Forum: Personal Consumer Issues
Topic: Ditch car and commute to work in 250cc scooter in Raleigh?
Replies: 69
Views: 4637

Re: Diversify International Index Funds

You can cover international well with Vanguard Total International Stock Index (VGTSX/VTIAX/VXUS).

Bob
by CyberBob
Mon Jul 07, 2014 4:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Diversify International Index Funds
Replies: 5
Views: 579

Re: ~$200K short term loan for house?

I never thought about it before, but how about a margin loan? My parents just did one for a few months from their Fidelity account. It seemed like a win-win (as long as you're nowhere near margin call territory) since it didn't require any mortgage paperwork, no capital gains from selling investment...
by CyberBob
Mon Jul 07, 2014 4:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: ~$200K short term loan for house?
Replies: 10
Views: 781

Re: Do Wellesley's Equities Outperform?

In a recent interview, Jack Bogle seems to say that there is no out-performance with Wellington, and I would assume Wellesley is similar: In Wellington Fund's case, in the last decade 97% of its return has been determined by the return of the index I put together for them in 1978. http://news.invest...
by CyberBob
Sat Jul 05, 2014 10:04 pm
 
Forum: Investing - Theory, News & General
Topic: Do Wellesley's Equities Outperform?
Replies: 41
Views: 4784

Re: compare tablets with and without a stylus pen

I suppose personal preference comes into play, but unless you're an artist, and are going to use it for drawing, I feel that a stylus actually gets in the way of the design functionality. Keyboards are even worse. What you use the tablet for might matter as well, but I'm actually iPad-only for 100% ...
by CyberBob
Fri Jul 04, 2014 1:27 pm
 
Forum: Personal Consumer Issues
Topic: compare tablets with and without a stylus pen
Replies: 6
Views: 412

Re: What to do with old Macbook Pro?

I've always had great success using http://www.gazelle.com
It's quick, easy, and no hassle, which, to me, is a huge plus.

Bob
by CyberBob
Fri Jul 04, 2014 11:24 am
 
Forum: Personal Consumer Issues
Topic: What to do with old Macbook Pro?
Replies: 24
Views: 1777

Re: Couch Potato Index ETF portfolio ideas

Simple as 1-2-3-4...

10% Vanguard Total International Bond (BNDX)
20% Vanguard Total International Stock (VXUS)
30% Vanguard Total Bond Market (BND)
40% Vanguard Total Stock Market (VTI)

Bob
by CyberBob
Wed Jul 02, 2014 12:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Couch Potato Index ETF portfolio ideas
Replies: 4
Views: 363

Re: Preparing to shift from corporate bonds back to treasuri

In a thread discussing David Swensen's recommendation of treasuries over corporates, Larry Swedroe mentions that the default premium has been all of 30bp.

viewtopic.php?f=10&t=139310&p=2059862#p2059862

Bob
by CyberBob
Mon Jun 30, 2014 2:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Preparing to shift from corporate bonds back to treasuries
Replies: 2
Views: 367

Re: What emering Market Funds do you like?

Would this be considered a compatible 3 fund portfolio?... Vanguard Emerging Markets Stock Index Fund Investor Shares (VEIEX) $3000 /cost per share $27.29 Vanguard Total Stock Market Index Fund Investor Shares (VTSMX) $3000 /cost per share $49.48 Vanguard Total Bond Market Index Fund Investor Share...
by CyberBob
Sun Jun 29, 2014 11:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: What emering Market Funds do you like?
Replies: 25
Views: 2027

Re: Paperless Statements (bank checking acct)

Aren't all bank accounts paperless? That is, your bank doesn't have a ledger book with your account information in it. All they have are electronic records.

Bob
by CyberBob
Sun Jun 29, 2014 10:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Paperless Statements (bank checking acct)
Replies: 64
Views: 3043

Re: NE Ohio (Cleveland Area) Master Thread

Darn it, I missed the June meeting. Is the next meeting going to be the third Saturday in August? The 16th?

Bob
by CyberBob
Sat Jun 28, 2014 9:59 am
 
Forum: Local Chapters and Bogleheads Community
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 13
Views: 1817

Re: Anyone switch to non-branch banking?

I worry about being able to get out more than the max amount I can withdraw from an ATM in an emergency. I've been online banking only since 1997. Yep, an early adopter when I found a bank that let you use a money market fund as your primary checking account. That is, they accepted third-party chec...
by CyberBob
Mon Jun 23, 2014 11:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone switch to non-branch banking?
Replies: 54
Views: 4313

Re: First anniversary gift ideas

gte939h wrote:They don't have to be the traditional "paper" gifts but I am open for those too.

Not sure if it will help, but the modern version of the list for the first anniversary is "clocks".

Bob
by CyberBob
Sat Jun 21, 2014 11:36 pm
 
Forum: Personal Consumer Issues
Topic: First anniversary gift ideas
Replies: 21
Views: 1102

Re: Electronic person-to-person payments

Does your bank offer one? They don't always advertise it much, but many banks have free access to http://www.PopMoney.com which can send via text or email (Chase, Citibank, Bank of America, Wells Fargo, Ally, Suntrust, PNC, etc)

Bob
by CyberBob
Wed Jun 18, 2014 11:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Electronic person-to-person payments
Replies: 15
Views: 1166

Re: No bonds at all.

Professor Wade Pfau has suggested in his paper An Efficient Frontier for Retirement Income that there is no need for retirees to hold bonds because the efficient frontier for retirees consists of combinations of stocks and fixed single-premium immediate annuities. http://papers.ssrn.com/sol3/papers....
by CyberBob
Mon Jun 16, 2014 9:11 pm
 
Forum: Investing - Theory, News & General
Topic: No bonds at all.
Replies: 176
Views: 11795

Re: IMCA Capital Unsolicited Card Sent?

According to this, it's not a real card, but simply an invitation to do business with them, and no credit was checked. Sounds like run-of-the-mill deceptive advertising.
http://imcacapital.wordpress.com

Bob
by CyberBob
Fri Jun 13, 2014 11:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: IMCA Capital Unsolicited Card Sent?
Replies: 17
Views: 737

Re: Bernstein's 4 fund portfolio. Your thoughts?

How about 20% US TSM, 20% TISM, 20% TBM, 20% REITS, and 20% commodities?? Call it the Indifferent portfolio. Opt for TIPS instead of commodities and you've got the Nano portfolio, which also has a remarkable resemblance to David Swensen's portfolio: http://www.bloomberg.com/apps/news?pid=newsarchiv...
by CyberBob
Fri Jun 13, 2014 2:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: *Gibson's* 4-fund portfolio from book "Asset Allocation"
Replies: 47
Views: 2422

Re: Nasdaq 100 - Why not ?

Are you also considering the NYSE composite index, which measures the performance of only stocks listed on the New York Stock Exchange? If not, then forget the NASDAQ ETF. They're both kind of silly indexes since the common theme of both is stocks that trade on a particular exchange. Why does that m...
by CyberBob
Wed Jun 11, 2014 12:42 am
 
Forum: Investing - Theory, News & General
Topic: Nasdaq 100 - Why not ?
Replies: 9
Views: 499

Re: IUSB- new iShares domestic bond ETF

I believe that the modest exposure to high yield debt in a total bond market fund is more than adequate for most investors. The aggregate bond index followed by the total bond funds is investment grade bonds only, no junk (or munis). I think Bitzer is suggesting that the new ETF, if it includes jun...
by CyberBob
Tue Jun 10, 2014 6:15 pm
 
Forum: Investing - Theory, News & General
Topic: IUSB- new iShares domestic bond ETF
Replies: 6
Views: 588

Re: Why have more than 70% stocks?

...just about everybody's target fund contains too much stock. Bogle is actually thinking that the opposite is true: "So, I'd say, when you think about Social Security, an awful lot of people in this country using target-date funds are underinvested in equities." http://www.morningstar.co...
by CyberBob
Mon Jun 09, 2014 5:57 pm
 
Forum: Investing - Theory, News & General
Topic: Why have more than 70% stocks?
Replies: 12
Views: 1493

Re: New Amerivest "Managed Risk" portfolio

According to their pamphlet, the allocation is: ⋅ 12% stock ⋅ 42% bonds ⋅ 17% other ⋅ 29% cash So I guess they are defining risk as volatility, rather than inflation-bearing returns. But it doesn't seem like it would be too hard to limit volatility when you ar...
by CyberBob
Fri Jun 06, 2014 6:35 pm
 
Forum: Investing - Theory, News & General
Topic: New Amerivest "Managed Risk" portfolio
Replies: 10
Views: 760

Re: Rational Expectations Kindle

Woohoo! A Christmas present in June :D

One 'typo' appears to be at Amazon. The paper version doesn't show the Kindle version as an alternate format, and vice versa. Perhaps because one is by 'William Bernstein' and the other by 'William J. Bernstein'.

Bob
by CyberBob
Thu Jun 05, 2014 11:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rational Expectations Kindle
Replies: 10
Views: 1796

Re: Another Reason to Index

Would Ben Graham be the quintessential Boglesaur? Most assuredly not. Ben Graham was a value investor, who believed in active management. He seemed to being changing his mind late in his career. From a 1976 interview: Q: In selecting the common stock portfolio, do you advise careful study of and se...
by CyberBob
Wed Jun 04, 2014 9:22 pm
 
Forum: Investing - Theory, News & General
Topic: Another Reason to Index
Replies: 26
Views: 2601

Re: Using TurboTax on Apple Mac PCs

MikeDenver wrote:Also, does Apple have their own word processing software, i.e., instead of Microsoft Word?

Word processor: http://www.apple.com/mac/pages/
Spreadsheet: http://www.apple.com/mac/numbers/
Presentations: http://www.apple.com/mac/keynote/

Bob
by CyberBob
Tue Jun 03, 2014 8:20 pm
 
Forum: Personal Consumer Issues
Topic: Using TurboTax on Apple Mac PCs
Replies: 21
Views: 975

Re: You have WAY too much in U.S. stocks!

According to the article, "Market-cap weighted indexes are constructed using only one variable – size – which is determined by price." So if I'm invested in the Total World Stock Index that's bad because it's cap-weighted? An index like that isn't 'constructed', it simply reflects how the ...
by CyberBob
Tue Jun 03, 2014 4:05 pm
 
Forum: Investing - Theory, News & General
Topic: You have WAY too much in U.S. stocks!
Replies: 15
Views: 4343

Re: Teaching Personal Finance next year... what to include?

Continuously drive home the concept of "spend less than you earn". Assuming this is a basic course, if they remember a few simple concepts, then the class went well. Adding details will eventually be helpful, but on a macro level, all one really needs to know about personal finance can be...
by CyberBob
Tue Jun 03, 2014 3:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Teaching Personal Finance next year... what to include?
Replies: 51
Views: 2346

Re: William Bernstein's New Book Now On Sale

Bill Bernstein wrote:The Kindle version *should* be out in a week or so, might be longer.

Ack! The anticipation is killing me! It's like waiting for the next Harry Potter book for finance nerds :D

Bob
by CyberBob
Tue Jun 03, 2014 1:43 pm
 
Forum: Investing - Theory, News & General
Topic: William Bernstein's New Book Now On Sale
Replies: 7
Views: 1562

Re: Four Pillars Kindle Sale June 4/Rational Expectations

RunningRad wrote:...refresh Rational Expectations on Amazon every 4-6 hours until Kindle version is available.

I've been trying that strategy for three days now. No success yet :D
I guess I can reread "investing for adults" volumes 1-3 while i'm waiting.

Bob
by CyberBob
Tue Jun 03, 2014 1:32 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein's Four Pillars of Investing for $1.99 on June 4th!
Replies: 88
Views: 4643

Re: determining rental price for house?

Just happened upon this today, looks like it may be helpful: https://www.rentometer.com

Bob
by CyberBob
Fri May 30, 2014 1:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: determining rental price for house?
Replies: 11
Views: 1190

Re: Question for renters that are happily renting..

If you're one of the few Americans who could actually pay cash for a house... An interesting aside - 43% of 2014 home buyers paid all cash. http://www.marketwatch.com/story/43-of-2014-home-buyers-paid-all-cash-2014-05-08 As for the OP's question, I retired at 42 (now 50) and am firmly convinced tha...
by CyberBob
Tue May 27, 2014 4:02 pm
 
Forum: Personal Consumer Issues
Topic: Question for renters that are happily renting..
Replies: 44
Views: 6691

Re: Book recommendation for 25 y.o.-first job

A really easy starting point would be William Bernstein's booklet If You Can: How Millennials Can Get Rich Slowly.

Bob
by CyberBob
Sat May 17, 2014 1:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Book recommendation for 25 y.o.-first job
Replies: 12
Views: 829

Re: Anyone know how to post iphone pictures?

⋅ Copy photo from phone to computer. ⋅ Read tinypic.com Terms of Use and Privacy Policy . ⋅  :arrow: Upload photo to tinypic.com . ⋅ Copy resulting "IMG code for Forums". ⋅ Paste code into post. ⋅ Preview post. If you don't like ...
by CyberBob
Fri May 16, 2014 11:30 pm
 
Forum: Forum Issues and Administration
Topic: Anyone know how to post iphone pictures?
Replies: 6
Views: 940

Re: Books for someone who is not that interested

If You Can by William Bernstein, free and only 16 pages long so she can read it in an hour. Clear, to the point, and a quick read. Available free here: http://efficientfrontier.com/ef/0adhoc/2books.htm Bill Bernstein's book for millennials is an excellent and concise guide for someone without much ...
by CyberBob
Wed May 14, 2014 11:23 pm
 
Forum: Investing - Theory, News & General
Topic: Books for someone who is not that interested
Replies: 48
Views: 3247

Re: To: Taylor Larimore: Early Withdrawals

Taylor,

Love your common-sense withdrawal method.
I'm curious, though, when you retired, did you have a specific stock/bond allocation target? Or, did you just stay roughly balanced? Or something else?

Thanks,
Bob
by CyberBob
Wed May 14, 2014 6:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: To: Taylor Larimore: Early Withdrawals
Replies: 23
Views: 2819

Re: Emerging markets and intl bonds to diversify portfolio?

One guy I talked to suggested holding 50% emerging and 50% developed... Jack Bogle has suggested that too. http://assetbuilder.com/blogs/scott_burns/archive/2010/02/19/a-visit-with-john-bogle.aspx What's a good international bond fund to consider? https://personal.vanguard.com/us/funds/snapshot?Fun...
by CyberBob
Mon May 12, 2014 11:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Emerging markets and intl bonds to diversify portfolio?
Replies: 10
Views: 1026

Re: Stock valuations and portfolio withdrawals in retirement

Wouldn't normal rebalancing take care of this? That is, if equities are reaching, by any measure, a seemingly overvalued level, wouldn't it normally be due to a bull-market period? Meaning that your equities are now at a higher allocation percentage. So, sell high and take your withdrawal from equit...
by CyberBob
Mon May 12, 2014 12:16 am
 
Forum: Investing - Theory, News & General
Topic: Stock valuations and portfolio withdrawals in retirement
Replies: 5
Views: 648

Re: Squirrel Proofing a Bird Feeder

I put on one of the tube-baffles and it seems to have foiled everything from raccoons on down. It's the tan-colored part and is open at the bottom but closed at the top so anybody that climbs the pole just dead-ends inside the tube. For larger critters, the tube is too slippery to hang on to and too...
by CyberBob
Mon May 05, 2014 4:14 pm
 
Forum: Personal Consumer Issues
Topic: Squirrel Proofing a Bird Feeder
Replies: 43
Views: 3603

Re: Purchasing IPad and need advice

mbres60 wrote:will the iPad come with something to hook up to my Macbook Pro?

It comes with a Lightning to USB cable, which is used for charging and data sync.

Bob
by CyberBob
Sun May 04, 2014 5:57 pm
 
Forum: Personal Consumer Issues
Topic: Purchasing IPad and need advice
Replies: 25
Views: 1887

Re: Why Vanguard?

From a Bogle speech: Despite that gloomy start, a bright light quickly turned on: The name "Vanguard." Through another stroke of luck, in early September, as I was contemplating a name for our new enterprise, a dealer in antique prints happened by my office. I bought from him four prints s...
by CyberBob
Fri May 02, 2014 12:32 am
 
Forum: Investing - Theory, News & General
Topic: Why Vanguard?
Replies: 5
Views: 930

Re: New L Fund Components Being Considered for the TSP

They talk about the return potential of emerging markets stock. Okay, but if it's return you're looking for, I'd start with the glide-path of the L funds. They are 80% bonds at the retirement date (presumably age 65ish). That's quite conservative and has a noticeably lower chance of 30-year survival...
by CyberBob
Tue Apr 29, 2014 11:06 pm
 
Forum: Investing - Theory, News & General
Topic: New L Fund Components Being Considered for the TSP
Replies: 10
Views: 872

Re: SS - DW insists on starting at 62; what are my options?

I've always liked Bill Bernstein's story about the twins and taking social security at 62/70: There are two possible goals with SS: 1) buy the optimal amount of longevity insurance for a given input, or 2) optimize your total amount of SS benefits. Both are valid goals, but let's assume you want to ...
by CyberBob
Tue Apr 29, 2014 6:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: SS - DW insists on starting at 62; what are my options?
Replies: 27
Views: 2017

Re: For or Against: VG International Bond Index Fund?

Here's a link to Vanguard's research paper Global fixed income: considerations for U.S. Investors. https://personal.vanguard.com/pdf/icrifi_032012_high.pdf They basically conclude that there is a diversification benefit with regard to reduced volatility, as long as you are currency-hedged. But the d...
by CyberBob
Tue Apr 29, 2014 4:30 pm
 
Forum: Investing - Theory, News & General
Topic: For or Against: VG International Bond Index Fund?
Replies: 11
Views: 1093

Re: best cat litter and price

I stopped using conventional litter altogether with the Breeze system.
http://www.tidycats.com/products/breeze

Bob
by CyberBob
Tue Apr 29, 2014 4:18 pm
 
Forum: Personal Consumer Issues
Topic: best cat litter and price
Replies: 11
Views: 684

Re: Socially Responsible (Progressive) Fund Options

To add to berntson's ideas, you might also consider Motif Investing, which allows you to trade a basket of up to 30 stocks for just one $9.95 commission. https://www.motifinvesting.com. This is a great idea. Thanks CyberBob! Buy two or three equal-weighted Motifs with socially responsible companies...
by CyberBob
Tue Apr 29, 2014 12:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Socially Responsible (Progressive) Fund Options
Replies: 99
Views: 8808

Re: Socially Responsible (Progressive) Fund Options

wondergrape, I like the idea of buying individual ethical companies from the S&P 500. For every $500 you put in your wife's IRA, pick a new company to buy. You'll have 50 companies after five years of investing. You can use new money to rebalance. The fees would be reasonably low in the long ru...
by CyberBob
Mon Apr 28, 2014 8:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Socially Responsible (Progressive) Fund Options
Replies: 99
Views: 8808
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