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Starting A Travel Photography Website

Hi everyone, as many of you here, I have an itch for travel photography. A friend of mine has launched a website for discovering travel photography from around the world, and I wanted to share it here:

http://www.fotons.com/
by DualCitizen
Thu May 05, 2011 6:32 pm
 
Forum: Personal Consumer Issues
Topic: Starting A Travel Photography Website
Replies: 2
Views: 629

Too late to buy gold? Considering 5% allocation.

I've been 50% bonds, 50% stocks for a long time, but I'm considering moving to 45% stocks, 5% gold, 50% bonds. I would be purchasing and storing physical gold in a bank vault. Although I'm certainly not denying doing some market timing here (out of fear that the dollar will experience runaway inflat...
by DualCitizen
Mon Jan 31, 2011 3:30 am
 
Forum: Investing - Theory, News & General
Topic: Too late to buy gold? Considering 5% allocation.
Replies: 32
Views: 2984

What people are missing in the gold vs tips debate is the following: Tips will not protect you against very large inflation scenarios. If real inflation were to be 20%, do you really believe the official CPI will reflect that? Gold protects you against the outlier scenarios. The fat tails or black s...
by DualCitizen
Sat Jan 29, 2011 8:26 pm
 
Forum: Investing - Theory, News & General
Topic: Grok's tip 5:To keep real wealth skip Gold, buy TIPs
Replies: 103
Views: 18999

P/E ratio of current stock market

What is the P/E ratio of all stocks in the US stock market currently? How does this ratio compare with historical P/E ratio levels? In other words, is the market currently over or undervalued compared to historical long-term P/E ratios? What are good sources for finding the current P/E as well as hi...
by DualCitizen
Sun May 23, 2010 4:45 pm
 
Forum: Investing - Theory, News & General
Topic: P/E ratio of current stock market
Replies: 61
Views: 8545

cell phone in Middle East

I live in the US and have an iPhone with AT&T service. I'm traveling for two weeks to the Middle East and would like to know if anyone here has ideas on how I can use my cell phone there. AT&T has an international plan that I can add to my existing plan but it's still very, very expensive. W...
by DualCitizen
Sun Mar 28, 2010 7:40 pm
 
Forum: Personal Consumer Issues
Topic: cell phone in Middle East
Replies: 4
Views: 832

I came across this travel guide company: www.AbercrombieKent.com

Has anyone had experience with them?
by DualCitizen
Mon Mar 22, 2010 12:51 am
 
Forum: Personal Consumer Issues
Topic: Traveling to Egypt
Replies: 36
Views: 3942

Traveling to Egypt

I would like to travel to Egypt and am looking for a good tour package. Does anyone here recommend a certain tour or a travel guide company, i.e. someone who knows all of the things to see and the local customs etc?
by DualCitizen
Sun Mar 21, 2010 11:00 pm
 
Forum: Personal Consumer Issues
Topic: Traveling to Egypt
Replies: 36
Views: 3942

A Great Depression could (and will eventually) happen again

A great depression happened once. That means it can happen. Which means it can happen again. Which means it WILL happen again, it's just a matter of time. The longer time goes on, the higher the probability that it will happen again. Given that, won't everyone's approach to investing change fundamen...
by DualCitizen
Tue Mar 16, 2010 10:03 pm
 
Forum: Investing - Theory, News & General
Topic: A Great Depression could (and will eventually) happen again
Replies: 57
Views: 6078

Health insurance when self-employed?

I'm going to quit my job in a few days. I was working in academia, and had very good coverage from the University. I plan on being self-employed for a while (investing in and advising startup companies). I think I can get COBRA for a short while, but what about the longer term? What kind of health i...
by DualCitizen
Thu Mar 11, 2010 5:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Health insurance when self-employed?
Replies: 12
Views: 1260

Euro fiasco impact on BWX / BWZ

I have significant holdings in BWX and BWZ, as I recently diversified my bond holdings because I was concerned about a devaluation of the US dollar. Talk about bad market timing. It looks like the Euro might go through a difficult period: http://www.marketwatch.com/story/euros-travails-have-only-jus...
by DualCitizen
Thu Feb 18, 2010 1:39 pm
 
Forum: Investing - Theory, News & General
Topic: Euro fiasco impact on BWX / BWZ
Replies: 0
Views: 507

How much do Vanguard executives make?

Since Vanguard is owned by its investors (i.e., us) does that mean that we can vote on what the salaries of Vanguard employees should be? I'm guessing this means lower salaries than what the Vanguard executives could get if they worked elsewhere, for example at Schwab or DFA, which are owned by a fe...
by DualCitizen
Wed Jan 20, 2010 8:19 pm
 
Forum: Investing - Theory, News & General
Topic: How much do Vanguard executives make?
Replies: 30
Views: 7965

never had one problem with VG in 15 years. lowest cost, best service. what more can i ask for? Been with Vanguard for 5 years. I did have one financial advisor there (with Vanguard Asset Management Services) who I thought was too cavalier and not diligent enough. I requested another more experience...
by DualCitizen
Thu Jan 14, 2010 12:32 am
 
Forum: Investing - Theory, News & General
Topic: Any problems recently at Vanguard?
Replies: 47
Views: 10038

Economists are very good at forecasting the past.
by DualCitizen
Sat Dec 12, 2009 12:18 am
 
Forum: Investing - Theory, News & General
Topic: What will the market do now? The experts are fairly sure
Replies: 22
Views: 3257

Norris wrote:I don't wear underwear, sleep in a dog bed and don't use a towel after showering; instead I run around naked as a jay bird and dry off that way :)


I wear my used underwear inside out to double the time between laundry.
by DualCitizen
Sat Dec 12, 2009 12:11 am
 
Forum: Personal Finance (Not Investing)
Topic: My cheapness knows no bounds!
Replies: 99
Views: 11691

I buy used underwear at garage sales. I bet you can't beat that. I would hate to spend $7.99 for a 6-pack of Hanes Men's briefs at Target. What a waste.
by DualCitizen
Fri Dec 11, 2009 2:28 am
 
Forum: Personal Finance (Not Investing)
Topic: My cheapness knows no bounds!
Replies: 99
Views: 11691

Harvard to Halt Construction of Science Center

http://online.wsj.com/article/SB126048291918686361.html

This seems really short-sighted. They should have simply had a lower spending level, and kept that constant through booms and busts. Instead they are increasing spending during booms and lowering it during busts. Exactly the wrong reaction.
by DualCitizen
Fri Dec 11, 2009 2:25 am
 
Forum: Investing - Theory, News & General
Topic: Harvard to Halt Construction of Science Center
Replies: 11
Views: 1685

bluto wrote:It could happen, but its very unlikely.


Sounds familiar... ;)
by DualCitizen
Tue Dec 08, 2009 1:47 am
 
Forum: Investing - Theory, News & General
Topic: Japan, 1989
Replies: 118
Views: 26539

One of the most important books I've ever read: The Divided Mind: The Epidemic of Mindbody Disorders by John Sarno http://www.amazon.com/Divided-Mind-Epidemic-Mindbody-Disorders/dp/0061174300/ref=sr_1_2?ie=UTF8&s=books&qid=1260242080&sr=8-2 If you've ever suffered from unexplainable back...
by DualCitizen
Mon Dec 07, 2009 10:16 pm
 
Forum: Personal Consumer Issues
Topic: Life changeing books recommendations for twenty-somethings.
Replies: 114
Views: 16008

Is nobody here worried about the dollar's decline?

(with respect to other currencies)

Even if you only earn and spend your money within the US, like most people on the forum, are you not concerned at all about the dollar's trend? I ask because very few people here advocate currency diversification (outside of international stock diversification).
by DualCitizen
Sat Nov 28, 2009 10:12 pm
 
Forum: Investing - Theory, News & General
Topic: Is nobody here worried about the dollar's decline?
Replies: 44
Views: 5808

But probably not William Bernstein ;)
by DualCitizen
Thu Nov 19, 2009 4:22 am
 
Forum: Investing - Theory, News & General
Topic: Doctors are most susceptible to investment swindling
Replies: 42
Views: 6566

The only thing these studies can say is how well the 4% withdrawal rate worked in the past. Nobody knows anything about how well it will work in the future. It might work extremely well, not at all, or somewhere in between.
by DualCitizen
Thu Nov 19, 2009 12:19 am
 
Forum: Investing - Theory, News & General
Topic: Why the 4% retirement withdrawal rule is a myth - NOT!
Replies: 58
Views: 8186

Re: That's what I do....

spinkter wrote:$15,000 in cash in a safe at the house


What is your address?
by DualCitizen
Wed Nov 18, 2009 2:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: where are you hiding your emergency cash?
Replies: 75
Views: 13194

Why would anyone use American Express?

I never understood why so many people use American Express cards. American Express is accepted less often than Visa and Mastercard. And you have to pay an annual fee for most American Express cards. So why the heck would I use that? My Visa/Mastercard works just fine, it has no fees, and it's accept...
by DualCitizen
Wed Nov 18, 2009 2:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why would anyone use American Express?
Replies: 56
Views: 12144

Special Situation

Over the last few months I have increasingly come across the buzz word "Special Situation" in investor circles, especially among people involved in hedge funds and private equity. When I point out the ridiculousness of the term, the person will invariable explain how the things they invest...
by DualCitizen
Tue Nov 17, 2009 2:05 am
 
Forum: Investing - Theory, News & General
Topic: Special Situation
Replies: 6
Views: 1243

Which bank do you use?

It looks like a lot of people use one service for investing, and another service for basic banking. I think this is a good security precaution, too. You don't want any details (or even the identity) of your brokerage service exposed when you're paying basic bills. Personally I've always liked to use...
by DualCitizen
Sat Nov 14, 2009 12:36 pm
 
Forum: Investing - Theory, News & General
Topic: Which bank do you use?
Replies: 71
Views: 8984

The joys of used cars

I recently traded in my 2003 BMW 330ci (which I had bought new) for a used 2006 Accura TL. It's hard to describe how much better of a car the Accura is than the BMW. Much higher quality, reliability, more comfort, and much more bang for the buck. The Accura was in perfect condition (only one owner, ...
by DualCitizen
Fri Nov 13, 2009 3:08 am
 
Forum: Personal Finance (Not Investing)
Topic: The joys of used cars
Replies: 13
Views: 2935

Why use Schwab or Fidelity if you can use Vanguard?

I've used Vanguard forever, so I might be biased, but it seems like due to their more traditional corporate structures, Schwab and Fidelity are bound to have higher costs and more conflicts of interest than Vanguard.

So why would anyone ever use Schwab or Fidelity?
by DualCitizen
Fri Nov 13, 2009 1:02 am
 
Forum: Investing - Theory, News & General
Topic: Why use Schwab or Fidelity if you can use Vanguard?
Replies: 51
Views: 7748

Declining Dollar

I recently made a one-way bet (despite calling myself a Boglehead) by increasing my foreign currency exposure in my portfolio. For those of you who are remaining set with your current USD exposure, do you believe that in the long run the currencies will even out? In other words, do you believe very ...
by DualCitizen
Mon Nov 09, 2009 7:58 pm
 
Forum: Investing - Theory, News & General
Topic: Declining Dollar
Replies: 0
Views: 726

Onion article relevant to Bogleheads ;)

http://www.theonion.com/content/node/43212

More Americans Falling For 'Get Rich Slowly Over A Lifetime Of Hard Work' Schemes
by DualCitizen
Sat Oct 24, 2009 1:34 am
 
Forum: Personal Consumer Issues
Topic: Onion article relevant to Bogleheads ;)
Replies: 4
Views: 1776

Still seems to me that when folks like David Swensen and Bill Bernstein advocate hedging currency concerns by buying foreign equities (not foreign bonds), that might be where the focus should be. I, for one, think they know more than I know. I use the same technique. I don't understand lots of stuf...
by DualCitizen
Wed Oct 21, 2009 11:37 am
 
Forum: Investing - Theory, News & General
Topic: I increased my international bond allocation
Replies: 22
Views: 2853

Airliners.net?

by DualCitizen
Tue Oct 20, 2009 9:36 pm
 
Forum: Personal Consumer Issues
Topic: Airliners.net?
Replies: 3
Views: 890

I increased my international bond allocation

I used to be: 50% stocks (of which 40% is international) 50% bonds (all domestic bonds) Now I'm: 50% stocks (no change here) 40% domestic bonds 10% international bonds (BWX and BWZ) I know this makes me look like a market timer, but I intend to stay at this allocation permanently. A lot of people ke...
by DualCitizen
Tue Oct 20, 2009 9:30 pm
 
Forum: Investing - Theory, News & General
Topic: I increased my international bond allocation
Replies: 22
Views: 2853

"The new normal"

Excuse my rant here, but the phrase "the new normal" annoys me to no end. Whenever I come across it in the news media, it strikes me as almost insultingly stupid. Everything that has happened, is happening, or will happen, is normal. That's the definition of normal. The Great Depression wa...
by DualCitizen
Mon Oct 19, 2009 11:51 pm
 
Forum: Investing - Theory, News & General
Topic: "The new normal"
Replies: 32
Views: 4962

Vanguard Smartphone app

It looks like Vanguard has an iPhone app that you can use to log into your account from your iPhone. There's no way I'd want to do that. I only log into Vanguard from home, and only on one of my computers that has anti-spyware and anti-virus software installed. Besides, there is really no point to l...
by DualCitizen
Mon Oct 19, 2009 1:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Smartphone app
Replies: 20
Views: 6021

Would you invest in a blend of Harvard/Yale endowment?

If you could, would you swap your Boglehead investments of mostly stocks and bonds, and put your money into a mix of the Harvard/Yale/Stanford endowments instead?
by DualCitizen
Sat Oct 17, 2009 1:27 am
 
Forum: Investing - Theory, News & General
Topic: Would you invest in a blend of Harvard/Yale endowment?
Replies: 15
Views: 2005

One quick way to get rich is to write books and host seminars on how to get rich.
by DualCitizen
Tue Oct 13, 2009 3:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Stop Acting Rich: And Start Living Like A Real Millionaire
Replies: 39
Views: 10976

I figured I can't be safe enough -- I have a $10 million umbrella policy. It's quite cheap though.
by DualCitizen
Tue Oct 13, 2009 3:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Umbrella Insurance, when and how much?
Replies: 62
Views: 16414

I find the title "The New Normal" almost insultingly stupid. Whatever happened is normal. That's what normal means. It includes everything that can happen. Everything under the normal distribution of the bell curve of all possible events. What happened was always normal, even before it hap...
by DualCitizen
Mon Sep 28, 2009 9:18 pm
 
Forum: Investing - Theory, News & General
Topic: The New Normal [Business Week]
Replies: 27
Views: 4336

The most disappointing thing to me about the effect of the downturn on university endowments was that it was, like, "OMG! Down 25%, stop work on all the buildings TODAY! Start the layoffs TOMORROW!" I had the idealistic hope, now thoroughly shattered, that the university point of view wou...
by DualCitizen
Fri Sep 25, 2009 2:59 am
 
Forum: Investing - Theory, News & General
Topic: Yale endowment down 25 percent.
Replies: 21
Views: 3774

Which charities do you like?

I like this charity very much:

http://www.innocenceproject.org/

They've freed hundreds of innocent people from prison by providing them with legal services and DNA testing. Many of these people served dozens of years in prison. [inflammatory remarks removed]
by DualCitizen
Tue Sep 15, 2009 1:50 am
 
Forum: Personal Consumer Issues
Topic: Which charities do you like?
Replies: 104
Views: 13067

NYT: Wall Street's Math Wizards Forgot a Few Variables

http://finance.yahoo.com/banking-budgeting/article/107722/wall-street-math-wizards-forgot-a-few-variables.html I find this article silly, if not laughable. Mr. Lo is confident that his adaptive-markets approach can help model and quantify liquidity crises in a way traditional models, with their narr...
by DualCitizen
Mon Sep 14, 2009 10:58 pm
 
Forum: Investing - Theory, News & General
Topic: NYT: Wall Street's Math Wizards Forgot a Few Variables
Replies: 1
Views: 616

Bring it to a local UPS Store. They will package it with plenty of bubble wrap. I've shipped lots of sensitive items cross country with the UPS store.
by DualCitizen
Mon Sep 07, 2009 12:40 am
 
Forum: Personal Consumer Issues
Topic: Shipping fragile items???
Replies: 12
Views: 2374

Yes the commercials cost money, but couldn't the net effect of commercials be higher investment in-flows, resulting in net lower fees for every investor in the Vanguard system?
by DualCitizen
Sat Sep 05, 2009 11:35 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Commercials and costs
Replies: 27
Views: 3629

Excel.

I don't understand how people can stand those programs like Mint or Quicken.
by DualCitizen
Tue Sep 01, 2009 10:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: What program to use for personal finance?
Replies: 37
Views: 5445

Rick,

Great presentation. How do your services differ from Vanguard Asset Management Services, which I'm currently using? (The fee is similar to yours)
by DualCitizen
Mon Aug 31, 2009 9:39 pm
 
Forum: Investing - Theory, News & General
Topic: New Boglehead type slide show by Rick Ferri
Replies: 71
Views: 11762

WSJ: Playing it Safe Can Hurt Returns

http://online.wsj.com/article/SB125158451447069379.html Did this article strike anyone else as not very useful journalism? Sure, playing it safe <i>could</i> hurt returns, i.e. if we assume stocks will go up before these people referenced hit retirement. But the author could also have written an equ...
by DualCitizen
Sun Aug 30, 2009 12:29 pm
 
Forum: Investing - Theory, News & General
Topic: WSJ: Playing it Safe Can Hurt Returns
Replies: 1
Views: 1187

I always build my own PCs, mostly as a hobby; it's fun to be able to select all of the individual components. I order components from the site newegg.com, whose primary benefit is the extensive reviews on all of the components. If you build your PC out of those components that are popular and receiv...
by DualCitizen
Sun Aug 30, 2009 11:43 am
 
Forum: Personal Consumer Issues
Topic: Building my own computer
Replies: 39
Views: 4931

Hi, Couldn't anyone come up with a timing strategy to allow them, or anyone else for that matter, to avoid losses in hindsight? Am I missing something? Yes, you are missing that the author published this strategy in a finance paper and on his blog several years ago, and has been tracking it since. ...
by DualCitizen
Sat Aug 29, 2009 1:39 pm
 
Forum: Investing - Theory, News & General
Topic: The Ivy Portfolio: How to Invest Like the Top Endowments
Replies: 23
Views: 5128

Re: you guys don't get it

If you guys would take time to read the book, you would learn that the title is perfectly apt. The book describes the general success of the Ivy Endowments through the years, then acknowledges that many of them blew up in 2008. As a solution to events like 2008, the book proffers a timing strategy ...
by DualCitizen
Sat Aug 29, 2009 1:36 pm
 
Forum: Investing - Theory, News & General
Topic: The Ivy Portfolio: How to Invest Like the Top Endowments
Replies: 23
Views: 5128
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