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Re: Anyone know how to post iphone pictures?

Thanks all for the responses!
by DoWahDaddy
Sun May 18, 2014 6:31 pm
 
Forum: Forum Issues and Administration
Topic: Anyone know how to post iphone pictures?
Replies: 6
Views: 929

Anyone know how to post iphone pictures?

I have no further detail here. I think the subject covers it. I wanted to share a Vanguard story by way of photography. Maybe you can guess what it refers to without any further ado!
by DoWahDaddy
Fri May 16, 2014 1:40 pm
 
Forum: Forum Issues and Administration
Topic: Anyone know how to post iphone pictures?
Replies: 6
Views: 929

Re: Hedge fund fees

I know that Hedge Funds preach that they can outperform in down markets. But from what I saw in 2008, they all failed miserably. I expect that will continue in the next panic because every panic is a "Black Swan Event" excuse. I don't care for hedge funds, though as mentioned by others, t...
by DoWahDaddy
Mon Apr 21, 2014 6:10 pm
 
Forum: Investing - Theory, News & General
Topic: Hedge fund fees
Replies: 12
Views: 1055

Re: Short-term Bond Index Fund

FWIW, I have the Short Term Bond Fund as a piece of my overall bond portfolio, because I don't like any one-size-fits-all total bond market funds.
by DoWahDaddy
Thu Apr 17, 2014 7:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Short-term Bond Index Fund
Replies: 14
Views: 2108

Re: Best smartphone in 2014?

I was between the iPhone 5s and the Moto x. Like you I wanted a great camera for those candid shots of the kiddies. And one that could figure out what my fat fingers were typing. I went iPhone because the iPhone is considered superior on both counts. I concur on that note. However be aware that the ...
by DoWahDaddy
Wed Mar 19, 2014 5:52 pm
 
Forum: Personal Consumer Issues
Topic: Best smartphone in 2014?
Replies: 38
Views: 2697

Re: What's a reasonable composite expense ratio?

40bps for all vanguard means you're likely in mostly actively managed funds. There would very likely be a way to make this all vanguard portfolio invested in basically the same stuff with a much lower expense ratio. But does it matter? Most likely not. I will say that my portfolio is mostly vanguard...
by DoWahDaddy
Wed Mar 12, 2014 6:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: What's a reasonable composite expense ratio?
Replies: 62
Views: 3299

Re: What video games are you currently playing?

Grt2bOutdoors wrote:Bogleheads.org - it's packed with fun-filled adventure with the potential for surprises along the way including the dreaded "Lock". :D


We true gamerz know the real game is getting in before the lock!
by DoWahDaddy
Fri Mar 07, 2014 8:39 pm
 
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 99
Views: 4641

Re: What video games are you currently playing?

I've been playing Super Mario Bros. with my 5 year old on the Wii lately. I've never really been into video games, but my kids have a few and I play with them. Unbelievable, my 4 yr old and i play mario bros, mariokart and super mario 2 on the nintendo ds, and nothing else ever! How do kids get int...
by DoWahDaddy
Fri Mar 07, 2014 8:36 pm
 
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 99
Views: 4641

Re: Tipping for take out

This is interesting, and im glad its being discussed. Ive felt a little odd over my recent proclivity to tip for takeout Ive been tipping about 10% up to $5 for take out for dinner, from memory its been the chinese, indian, moroccan and italian places by me that are sit down places, but we just felt...
by DoWahDaddy
Fri Mar 07, 2014 8:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tipping for take out
Replies: 57
Views: 5256

Re: The President's New Budget Proposal

If it does, it probably only affects the average IPS of this community by adding more to munis in your taxable since you may have less tax advantaged space to allocate taxable bonds to. However, if there is anything i'm missing that warrants comment as it relates to our portfolios, it should stay op...
by DoWahDaddy
Tue Mar 04, 2014 4:21 pm
 
Forum: Investing - Theory, News & General
Topic: The President's New Budget Proposal
Replies: 17
Views: 1063

Re: Morningstar Premium Membership anyone?

Thanks for the replies. I don't think there would be much material benefit for me personally. And the lack of responses from the Bogleheads community I think speaks pretty loudly about that. : )

DWD
by DoWahDaddy
Tue Mar 04, 2014 3:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Morningstar Premium Membership anyone?
Replies: 3
Views: 512

Morningstar Premium Membership anyone?

Apparently 100k at t rowe price entitles you to premium morningstar membership. I currently use the free morningstar for portfolio tracking and basic x-ray. Anyone use premium at all and like the benefits? I tend to avoid signing up for "free" services as one day they will not be free and ...
by DoWahDaddy
Sat Mar 01, 2014 11:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Morningstar Premium Membership anyone?
Replies: 3
Views: 512

Re: Best place to put children's money

I just got my 4 yr old monopoly junior. He loves it. Start small.
by DoWahDaddy
Tue Feb 25, 2014 8:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best place to put children's money
Replies: 9
Views: 974

Re: the sky is about to fall!

According to the values on the chart, this predicts something like a 25% drop in the dow. So... uh... ok. Thanks.
by DoWahDaddy
Tue Feb 11, 2014 4:01 pm
 
Forum: Investing - Theory, News & General
Topic: [MarketWatch: Scary 1929 market chart gains traction]
Replies: 43
Views: 4625

Re: Any Hungarian, Polish, Argentinian, Portuguese Boglehea

I don't know, but if there are, and they decide to gather for a day around the grill, can I come?

I am from one of those countries, and thus am eligible to post the aforementioned.
by DoWahDaddy
Fri Feb 07, 2014 7:29 pm
 
Forum: Investing - Theory, News & General
Topic: Any Hungarian, Polish, Argentinian, Portuguese Bogleheads?
Replies: 15
Views: 1746

Re: Careers you've enjoyed

abuss368 wrote:Certified Public Accountant


Please stay on topic.
by DoWahDaddy
Fri Jan 24, 2014 5:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Careers you've enjoyed
Replies: 47
Views: 3822

Re: Net Worth Survey, 2014 Edition

Well that's depressing. I might as well just buy a smartphone and some fancy deodorant.
by DoWahDaddy
Wed Jan 08, 2014 9:49 am
 
Forum: Investing - Theory, News & General
Topic: Net Worth Survey, 2014 Edition
Replies: 149
Views: 21634

Re: How much a baby costs?

And 8 or 9 diapers a day sounds excessive to me. That's one every 2 to 3 hours. Diaper technology was much better than that 20 years ago. I've done 10 diaper changes in a day before, and just as often only 1 change. A baby's bowels know no schedule. Which is why I think when Sheldon and Amy finally...
by DoWahDaddy
Mon Jan 06, 2014 3:44 pm
 
Forum: Personal Consumer Issues
Topic: How much a baby costs?
Replies: 86
Views: 4689

Re: How much a baby costs?

A whole lot more emotional cost than financial. Comparatively, it's not even worth the time to budget dollars and cents.
by DoWahDaddy
Mon Jan 06, 2014 2:34 pm
 
Forum: Personal Consumer Issues
Topic: How much a baby costs?
Replies: 86
Views: 4689

Re: Why Include Bonds in a Portfolio?

Good that you recognize a 90% drop is possible. Now you just need to understand that losing 90% of your $10,000 portfolio would *feel* a lot different than losing 90% of your $100,000 portfolio, and would *feel* a whole HECK of a lot different than losing 90% of your $1,000,000 portfolio. Part of se...
by DoWahDaddy
Mon Jan 06, 2014 2:31 pm
 
Forum: Investing - Theory, News & General
Topic: Why Include Bonds in a Portfolio?
Replies: 74
Views: 3973

Re: Hedge fund titan to pocket $3B for 2013

Just fyi, HFs are not permitted to disclose gross returns, unless also showing net returns in the same disclosure. So if you see one return, you can assume it's net. Or that they are playing with fire. The SEC doesn't mess around with performance disclosures. Also, while it's as pointless as discuss...
by DoWahDaddy
Tue Dec 31, 2013 10:36 am
 
Forum: Investing - Theory, News & General
Topic: Hedge fund titan to pocket $3B for 2013
Replies: 16
Views: 1261

Re: What Was Your Best Portfolio move in 2013

Using available funds after the end of each month to invest in the "underperformingest" asset. 11 times it was a bond fund. Here comes #12. No REITs or Emerging Markets in your portfolio? Ah, I will resubmit: Using available funds after the end of each month to invest in the underperformi...
by DoWahDaddy
Tue Dec 31, 2013 10:26 am
 
Forum: Investing - Help with Personal Investments
Topic: What Was Your Best Portfolio move in 2013
Replies: 125
Views: 7567

Re: What Was Your Best Portfolio move in 2013

Using available funds after the end of each month to invest in the "underperformingest" asset. 11 times it was a bond fund. Here comes #12.
by DoWahDaddy
Fri Dec 27, 2013 10:31 am
 
Forum: Investing - Help with Personal Investments
Topic: What Was Your Best Portfolio move in 2013
Replies: 125
Views: 7567

Re: Where in New Jersey to buy home with NYC commute, childr

Some fantastic responses here -- thanks so much and I will follow up more. A couple of quick notes: 1) My bigger concern on the commute is not just the time it takes me, but my job is fairly variable and it isn't always (or even often) feasible to leave at a set time and catch "my train."...
by DoWahDaddy
Tue Dec 10, 2013 1:22 pm
 
Forum: Personal Consumer Issues
Topic: Where in New Jersey to buy home with NYC commute, children?
Replies: 66
Views: 4028

Re: Where in New Jersey to buy home with NYC commute, childr

PS I commuted into NYC for 20+ years, and you might be surprised what you can tolerate/not tolerate about the commute. I found that standing on the platform in the heat, cold, wet, etc., was much more bothersome than the duration of the commute. The trains are very comfortable and it can actually b...
by DoWahDaddy
Mon Dec 09, 2013 3:11 pm
 
Forum: Personal Consumer Issues
Topic: Where in New Jersey to buy home with NYC commute, children?
Replies: 66
Views: 4028

Re: Where in New Jersey to buy home with NYC commute, childr

Funny that family is in Somerville and Waldwick as those are two points to consider in the two overall regions you should look at (Bergen County and the Union/Somerset county areas). Most of the public schools over those entire areas are very good. Most of the housing also is painfully expensive. So...
by DoWahDaddy
Mon Dec 09, 2013 3:04 pm
 
Forum: Personal Consumer Issues
Topic: Where in New Jersey to buy home with NYC commute, children?
Replies: 66
Views: 4028

Re: It's a stock picker's year

Hmm.. if you think "stock picker's year" means "if you picked stocks, you won", then ok. But I don't think the phrase means what you think it means.
by DoWahDaddy
Fri Nov 15, 2013 6:09 pm
 
Forum: Investing - Theory, News & General
Topic: It's a stock picker's year
Replies: 20
Views: 1953

Re: A great job for Rodney Dangerfield

I didnt much like the lead in... Even as a child he had issues, “When I was a kid I got no respect. The time I was kidnapped, and the kidnappers sent my parents a note they said, ‘We want five thousand dollars or you’ll see your kid again.’” Too far fetched and clunky. Much prefer the punch of the f...
by DoWahDaddy
Thu Nov 14, 2013 8:20 pm
 
Forum: Investing - Theory, News & General
Topic: A great job for Rodney Dangerfield
Replies: 22
Views: 1625

Re: Best place for term life quotes?

Term4sale is what i used as well. Great site.

Just checked the rates. Premiums up 20% from two years ago!
by DoWahDaddy
Fri Sep 20, 2013 7:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best place for term life quotes?
Replies: 5
Views: 443

Re: Vanguard Reit

Man they sure did drop like a stone though mid-Aug! Imagine a livesoft style graph here. My version: \
by DoWahDaddy
Thu Sep 05, 2013 7:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Reit
Replies: 21
Views: 1986

Re: In Boston what to do?

agree with freedom trail, and just relax in the boston common and public garden. most pleasing parcel of land i know of.
by DoWahDaddy
Wed Aug 28, 2013 3:13 pm
 
Forum: Personal Consumer Issues
Topic: In Boston what to do?
Replies: 36
Views: 2744

Re: New job with new commute, worth it?

What % of your salary increase is that? If you make 60k now that's a big deal... if you make 250k... not so much. Ha! Please. I doubt you'll get many takers if you offer someone who's making 250k a 20 minute shorter commute in exchange for 190k. 60k is a big hunk of cheese for 99% of us. If you com...
by DoWahDaddy
Tue Aug 27, 2013 2:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: New job with new commute, worth it?
Replies: 31
Views: 1953

Re: [Eating] Fish

Tilapia is #1 for me, it's incredibly versatile, easy to work with, and rarely do you find a bad piece or foul odor (not that different from other fish, but consider how often shrimp just smells off). It's very firm, difficult to bruise or tear or smoosh if you cut it or marinate it or mix it with s...
by DoWahDaddy
Tue Aug 13, 2013 3:30 pm
 
Forum: Personal Consumer Issues
Topic: [Eating] Fish
Replies: 113
Views: 9305

Re: poll: What equity allocation strategy do you use?

I am a complex slice-and-dicer, with 11 asset classes. How has that been working out for you and how much time do you spend monitoring your portfolio? I selected Total Market + tilt even though I use various components to create the Total Market since TM indexes are not available in my retirement p...
by DoWahDaddy
Tue Aug 13, 2013 1:13 pm
 
Forum: Investing - Theory, News & General
Topic: poll: What equity allocation strategy do you use?
Replies: 30
Views: 2308

Re: In need of life insurance

I'm your age. I waited until we had kids, and got 20 yr term (hand's quote is a good barometer for what's out there). Reason being, of course I love my wife and wanted her to live as well as possible, but at our age at the time and being just the two of us, it's likely she would continue working and...
by DoWahDaddy
Fri Aug 09, 2013 2:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: In need of life insurance
Replies: 9
Views: 625

Re: In need of life insurance

forearmed, ha! great line.
by DoWahDaddy
Fri Aug 09, 2013 2:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: In need of life insurance
Replies: 9
Views: 625

Re: S & P 500 Index for US Stock Allocation?

Absolutely, you're likely getting >95% of the return profile, and likely paying less for it, while you are still able to add another index to capture the mid/small cap arena which may offer rebalancing benefits if that's your thing. To the OP - yes, if S&P 500 is what you have available, at tha...
by DoWahDaddy
Wed Aug 07, 2013 2:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: S & P 500 Index for US Stock Allocation?
Replies: 12
Views: 1071

Re: Fidelity Spartan bond FBIDX vs Total Bond FTBFX

Fbidx is basically The same as vanguard total bond market. I don't think they are even close except for both being intermediate term bond funds. Where this fund distinguishes itself is in its relatively wide-ranging mandate . O'Neil has the flexibility to invest up to 20% in the so-called "plu...
by DoWahDaddy
Wed Aug 07, 2013 1:56 pm
 
Forum: Investing - Theory, News & General
Topic: Fidelity Spartan bond FBIDX vs Total Bond FTBFX
Replies: 17
Views: 1730

Re: Worth it to take huge cap gains to rebalance?

Work out the effect on your net worth if you sold, you'll likely get a better perspective.

eg) you want to sell 150k which has a cost of 75k. if it's LT gain, you will pay 15k at the 20% rate. Your resulting NW is 135k. The effect of this is accepting, and paying for, a 10% market drop.
by DoWahDaddy
Wed Aug 07, 2013 10:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Worth it to take huge cap gains to rebalance?
Replies: 25
Views: 2026

Re: S & P 500 Index for US Stock Allocation?

Absolutely, you're likely getting >95% of the return profile, and likely paying less for it, while you are still able to add another index to capture the mid/small cap arena which may offer rebalancing benefits if that's your thing.
by DoWahDaddy
Wed Aug 07, 2013 9:11 am
 
Forum: Investing - Help with Personal Investments
Topic: S & P 500 Index for US Stock Allocation?
Replies: 12
Views: 1071

Re: Extreme Early Retirement

Again I can not speak for the others in this thread, but I think most the people that are saying go out there and get a job you enjoy, likely do not mean go out there and get another 40 hour a week job that you simply find more interesting ( but will likely find quite boring after a few more years)...
by DoWahDaddy
Tue Aug 06, 2013 10:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Extreme Early Retirement
Replies: 104
Views: 11777

Re: Munis vs. Nominals

thanks folks. Along the same lines of muni risk, i dont think historically theres been much default risk across the investment grade revenue bond spectrum. However im not blind to the in herent risks therein. Have revenue bonds always been there? I dont recall noticing that they were such a substant...
by DoWahDaddy
Tue Aug 06, 2013 7:49 pm
 
Forum: Investing - Theory, News & General
Topic: Munis vs. Nominals
Replies: 5
Views: 427

Re: Fidelity Spartan bond FBIDX vs Total Bond FTBFX

Both are "total bond market" funds. Fbidx is basically The same as vanguard total bond market. Now if you take that and add a little emerging market debt and high yield debt and make it an actively managed fund, thats ftbfx. Considering how all inclusive it is, it's still a reasonably chea...
by DoWahDaddy
Tue Aug 06, 2013 7:28 pm
 
Forum: Investing - Theory, News & General
Topic: Fidelity Spartan bond FBIDX vs Total Bond FTBFX
Replies: 17
Views: 1730

Re: Munis vs. Nominals

Thanks, amendment made.
by DoWahDaddy
Tue Aug 06, 2013 5:31 pm
 
Forum: Investing - Theory, News & General
Topic: Munis vs. Nominals
Replies: 5
Views: 427

Munis vs. Nominals

If Munis are yielding more than Govt/Corps (before any tax equivalent calc), even if a little bit less, then over time it seems you do better with Munis in a taxable account than with Govt/Corps in a tax-advantaged account after paying taxes on withdrawals. Given that some Muni yields are indeed lar...
by DoWahDaddy
Tue Aug 06, 2013 4:49 pm
 
Forum: Investing - Theory, News & General
Topic: Munis vs. Nominals
Replies: 5
Views: 427

Re: Extreme Early Retirement

scrabbler1 wrote:Are you saying if someone works for 25 years but is retired for 26 years before dying he led a fundamentally unsound life?


Yep.
by DoWahDaddy
Tue Aug 06, 2013 1:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Extreme Early Retirement
Replies: 104
Views: 11777

Re: Extreme Early Retirement

John3754 wrote:Do you really believe that ultimately your working life is what will bring you "long term satisfaction", and not the time spent with your loved ones?


Both.
by DoWahDaddy
Tue Aug 06, 2013 1:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Extreme Early Retirement
Replies: 104
Views: 11777

Re: Extreme Early Retirement

To put this simply, you are looking to be retired for a significantly longer period than you were working. Heck you are looking to have more time from retirement to death, than you had from birth to retirement. This is a recipe for a fundamentally unsound life. Consider how the mental aspect would a...
by DoWahDaddy
Mon Aug 05, 2013 10:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Extreme Early Retirement
Replies: 104
Views: 11777

Re: What is the Role of TIPS in Your Portfolio?

5% of portfolio. It's a strong diversifier. Period. I don't advocate large allocations to a single issuer, U.S. govt importantly included.
by DoWahDaddy
Mon Aug 05, 2013 10:26 pm
 
Forum: Investing - Theory, News & General
Topic: What is the Role of TIPS in Your Portfolio?
Replies: 71
Views: 4287
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