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Re: Poll: How important is rebalancing?

Depends what you mean by rebalancing and where you are in your life cycle.

Early on it's not important. You can just adjust your cash flow to push your investments towards your target asset allocation.

Later on it's important to rebalance out of stocks into bonds to control risk.
by Ged
Mon Dec 22, 2014 2:06 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: How important is rebalancing?
Replies: 21
Views: 752

Re: Snow blower maintenance and repair

Your mechanic gave you the straight truth. Carb jets plug easily with old gas turning to varnish. Draining the gas out is basic maintenance. You really need to do that. Adding STA-BIL: http://www.amazon.com/dp/B001CAW2DK/ to your gas will also help a lot. If I told my father that I hadn't been drain...
by Ged
Mon Dec 22, 2014 12:14 pm
 
Forum: Personal Consumer Issues
Topic: Snow blower maintenance and repair
Replies: 11
Views: 293

Re: Index vs Hedge: Mr Bogle Low fee but Highly Risky manage

None of these arguments don't address what counts - RESULTS.
by Ged
Mon Dec 22, 2014 12:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Index vs Hedge: Mr Bogle Low fee but Highly Risky manager ?
Replies: 5
Views: 293

Re: Should my work associates be worried?

am very happy with how MetLife provides monthly updates, 1099's, etc then to hear from a fellow work associate who (recently retired less than 90 days ago)now states his deposits are administered by State Street Bank completely threw me for a loop. My immediate thoughts were...... if I among many o...
by Ged
Sun Dec 21, 2014 8:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should my work associates be worried? [Pension plan]
Replies: 14
Views: 2766

Re: How to make a long bet on Crude Oil

Almost everybody and their brother who participate in this market has a similar idea and have placed bets to that effect. Thus futures or any other mechanism for making a bet on oil prices already have an upward bias.

Your chance of outguessing this are small.
by Ged
Sun Dec 21, 2014 8:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to make a long bet on Crude Oil
Replies: 26
Views: 1877

Re: Laptop as a hard drive [Laptop as a desktop]

I honestly don't know why anyone who doesn't have a specific need for a high-powered specific desktop function (like hi-end video/graphics or similar), would buy a desktop any more when laptops are so inexpensive and so good nowadays Lifecycle cost is the big one. - While laptops have come down in ...
by Ged
Sun Dec 21, 2014 6:49 pm
 
Forum: Personal Consumer Issues
Topic: Laptop as a hard drive [Laptop as a desktop]
Replies: 28
Views: 1123

Re: Should my work associates be worried?

I've been receiving payments from a former employer as I selected an annuity on separation in 1992. During that time my employer has used several different organizations to process the payments, including Fidelity and now Wells Fargo. These processors have nothing to do with the security of the annu...
by Ged
Sun Dec 21, 2014 5:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should my work associates be worried? [Pension plan]
Replies: 14
Views: 2766

Re: Where is the Munchkin Man?

Wherever you are MM, don't let the flying monkeys get you.
by Ged
Sun Dec 21, 2014 2:13 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Where is the Munchkin Man?
Replies: 19
Views: 4912

Re: What to do if someone is using your home address?

Recently I received a conference advertisement addressed to my father. He has been deceased 5 years and has never lived at my address. I get that sort of thing too - when I was the executor of my father's estate I had his mail forwarded to me. Evidently that forwarding instruction propagated throug...
by Ged
Sun Dec 21, 2014 1:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to do if someone is using your home address?
Replies: 25
Views: 2650

Re: Laptop as a hard drive

I have done this, and the only real disadvantage that I wasn't able to find a work-around for was that laptops tend to have limited video options compared to desktops. If you want a machine that will do a great job driving multiple large monitors or provides top performance for games you are likely ...
by Ged
Sun Dec 21, 2014 1:28 pm
 
Forum: Personal Consumer Issues
Topic: Laptop as a hard drive [Laptop as a desktop]
Replies: 28
Views: 1123

Re: Gas Prices ($1.99) in North Texas

2.09 here in central NJ. Below 1.99 if you are a BJ's member.
by Ged
Sun Dec 21, 2014 12:04 am
 
Forum: Personal Consumer Issues
Topic: Gas Prices ($1.99) in North Texas
Replies: 45
Views: 2810

Re: How do you define "being rich"?

Now I'd say it is 2x my income. I'd say most people have a multiplier they apply to their own income, and the magnitude of that multiplier declines as income rises, but it approaches 1 only at very high levels of income. Since time is the most precious thing of all I think if you don't have to deal...
by Ged
Sat Dec 20, 2014 11:22 pm
 
Forum: Personal Consumer Issues
Topic: How do you define "being rich"?
Replies: 119
Views: 6923

Re: What to do if someone is using your home address?

This could even be a deceased person.

You could complain to the post office. Giving a false address like this might actually be some sort of postal crime.

Lifehacker has an article on this:

http://lifehacker.com/how-can-i-stop-ge ... 1444875925
by Ged
Sat Dec 20, 2014 9:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to do if someone is using your home address?
Replies: 25
Views: 2650

Re: 1-day-old Bogleheader seeking portfolio review

Yikes. How do you understand that collection? First you want to take little time to understand the reasons behind the methods this site recommends. You may want to start with some reading suggestions from the wiki: http://www.bogleheads.org/wiki/Three-fund_portfolio https://www.bogleheads.org/wiki/B...
by Ged
Sat Dec 20, 2014 9:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: 1-day-old Bogleheader seeking portfolio review
Replies: 19
Views: 1964

Re: Why did FSTVX drop in value Friday?

nedsaid wrote:As Benjamin Franklin might have said, there are only three sure things in life: death, taxes, and "Why did my fund drop in Value?" threads during distribution season.


Maybe there should be a question on this that has to be answered before you can start a thread.
by Ged
Fri Dec 19, 2014 11:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why did FSTVX drop in value Friday?
Replies: 5
Views: 718

Re: Don't be tempted to buy your teen a cheap (old) car, par

It's a simple equation - if one feels safer, they make take risks that they wouldn't otherwise. There have been a fair number of studies on this. The conclusion seems to be that while people do behave this way the improved safety technology still results in lower fatal accident rates. That is the r...
by Ged
Fri Dec 19, 2014 11:45 pm
 
Forum: Personal Consumer Issues
Topic: Don't be tempted to buy your teen a cheap (old) car, parents
Replies: 82
Views: 5560

Re: "Misfortune cookie" home router vulnerability

just installed a Zyxel I had laying around after my Netgear started getting finicky. One annoyance I noticed immediately was that it didn't have the option to hide the SSID. Guess it's time to buy a new one. Hiding the SSID is nearly useless for protecting the router and at least theoretically can ...
by Ged
Fri Dec 19, 2014 2:45 pm
 
Forum: Personal Consumer Issues
Topic: "Misfortune cookie" home router vulnerability
Replies: 8
Views: 1568

Re: "Misfortune cookie" home router vulnerability

WPS = WiFi Protected Setup. It's a mechanism that can be used to add a device to your network.

https://en.wikipedia.org/wiki/Wi-Fi_Protected_Setup
by Ged
Fri Dec 19, 2014 2:35 pm
 
Forum: Personal Consumer Issues
Topic: "Misfortune cookie" home router vulnerability
Replies: 8
Views: 1568

Re: "Misfortune cookie" home router vulnerability

Most cheap home routers have security flaws. This particular one has been around since 2002 and was patched in 2005 by the developer. Unfortunately many vendors are poor about updating their products, and users are even worse about updating their router software. http://news.techworld.com/security/3...
by Ged
Thu Dec 18, 2014 11:05 pm
 
Forum: Personal Consumer Issues
Topic: "Misfortune cookie" home router vulnerability
Replies: 8
Views: 1568

Re: Tax Loss Carryover Schedule D

jebmke wrote:My software has a worksheet (I checked both 2012 and 2013) that calculates the carryover for the next tax year. Maybe it isn't included in all software packages.


Mine does also. It was quite handy this year when I wanted to figure out the tax consequences of doing a Roth conversion.
by Ged
Thu Dec 18, 2014 10:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Loss Carryover Schedule D
Replies: 8
Views: 703

Re: Comcast Performance 25 Mbps vs Blast 105 MBps

If the Blast package includes a higher upload speed and you're doing backups to a cloud service, you might see some benefit from that. That's a good point. I am on Cablevision and pay for their upgraded service largely because the upload speed is typically 30-40 Mbps while the base service is 5 Mbp...
by Ged
Thu Dec 18, 2014 10:02 pm
 
Forum: Personal Consumer Issues
Topic: Comcast Performance 25 Mbps vs Blast 105 MBps
Replies: 17
Views: 1989

Re: Looking to move inheritance from high-fee advisor

The prior owner worked with an advisor that we decided to continue working with. It may have been inherited long enough ago to have significant capital gains. Sure but the OP is also complaining that the account has not done well compared to various benchmarks. I would not assume cap gains are a fa...
by Ged
Thu Dec 18, 2014 2:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Looking to move inheritance from high-fee advisor
Replies: 30
Views: 2730

Re: Google Drive, DropBox, etal. - Anonymity

If I was doing this sort of thing I'd use an account on a place like GitHub. The addition file change tracking features are extremely valuable if you are sharing a software product.
by Ged
Thu Dec 18, 2014 12:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Google Drive, DropBox, etal. - Anonymity
Replies: 14
Views: 1261

Re: Effect of 0.79 correlation: fantasy vs. reality

Thought provoking post, thanks Nisiprius. Actually I think this analysis is overly optimistic wrt the value of the efficient frontier analysis as we have observed correlations of assets (esp equities) tend to increase during sharp market downturns, just when we wish that they would be at their lowes...
by Ged
Thu Dec 18, 2014 11:08 am
 
Forum: Investing - Theory, News & General
Topic: Effect of 0.79 correlation: fantasy vs. reality
Replies: 52
Views: 3720

Re: Buying "timing" question

This is why I think you should have a complete AA in each account that you would hypothetically be comfortable with for the entire portfolio. I tried that for a while. I think it's too fiddly plus it's tax inefficient and results in a lot of trading. Now I prefer to have the minimum number of asset...
by Ged
Thu Dec 18, 2014 10:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Buying "timing" question
Replies: 13
Views: 1285

Re: How do you factor entitlements into your investing plan?

I suppose, theoretically they could shut the whole thing down and walk away. That could happen. It would be really radical. To give a idea how radical, consider that all other developed nations have a socialized retirement system of some sort. This happens, as it happened in the US because of popul...
by Ged
Wed Dec 17, 2014 10:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you factor entitlements into your investing plan?
Replies: 52
Views: 4479

Re: On average, how often do you check your investment balan

A few times a week. I have a cash management account that I put some of spending money through, and on days like today I like to peek to see what happened with the other balances.
by Ged
Wed Dec 17, 2014 10:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: On average, how often do you check your investment balances?
Replies: 53
Views: 3311

Re: Looking to move inheritance from high-fee advisor

Be sure to know the tax impact of selling any of the investments before you sell them. Sometimes it is better to stay with a less than ideal investment, even if you move them to a better place, just because of the tax costs. It's unlikely that taxes would be much of a factor with a recent inheritan...
by Ged
Wed Dec 17, 2014 8:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Looking to move inheritance from high-fee advisor
Replies: 30
Views: 2730

Re: Why a Boglehead doesn't invest in individual companies?

Is there any real reason to invest in individual companies? Have you ever invested in individual stocks? If so, why did you sell? What did you buy instead? There is no fundamental reason to invest in individual companies unless you have inside information and can do investing based on this informat...
by Ged
Wed Dec 17, 2014 1:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why a Boglehead doesn't invest in individual companies?
Replies: 57
Views: 5255

Re: With this uncertainty, where to put $200k plus....

My timing did suck, I sold out on Monday during a small dip. I wanted to get this done before the end of the year when I would have owed my fin adviser another fee, hindsight maybe I should have waited. With my luck the Santa Clause uptick will kick in right when my funds do get transferred! LOL He...
by Ged
Tue Dec 16, 2014 11:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: With this uncertainty, where to put $200k plus....
Replies: 26
Views: 2514

Re: With this uncertainty, where to put $200k plus....

I have appreciated everyones advice, I used it to work my plan out, then while waiting for my money to be transferred in all this turmoil has occurred plus Jack Bogle made his thoughts known - making me wonder if I should plow on with my original plans or maybe sit back a little. So basically you a...
by Ged
Tue Dec 16, 2014 10:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: With this uncertainty, where to put $200k plus....
Replies: 26
Views: 2514

Re: Any negative outlooks on healthcare industry's future

This article in the NYT describes some of the aspects of the medical care industry that should give pause to somebody considering a sector concentration for 30 years: http://www.nytimes.com/2014/12/16/health/the-odd-math-of-medical-tests-one-echocardiogram-two-prices-both-high.html?_r=0 It's clear t...
by Ged
Tue Dec 16, 2014 8:57 pm
 
Forum: Investing - Theory, News & General
Topic: Any negative outlooks on healthcare industry's future
Replies: 49
Views: 2950

Re: Why would you invest in a bond fund?

I get index investing, but I don't get the point of investing a set portion of your income into a bond fund. Especially now with interest rates low, and set to increase at some point. What am I missing? Maybe you are missing that as you get close to retirement you don't want to lose 50% or more of ...
by Ged
Tue Dec 16, 2014 8:37 pm
 
Forum: Investing - Theory, News & General
Topic: Why would you invest in a bond fund?
Replies: 25
Views: 1968

Re: Gift to Yourself

Drelk3 wrote:Gave myself the best gift ever today. My wife and I walked into a Toys R Us today and paid off the layaway accounts of 6 people


Super idea.
by Ged
Tue Dec 16, 2014 6:39 pm
 
Forum: Personal Consumer Issues
Topic: Gift to Yourself
Replies: 36
Views: 4374

Re: Would you invest $2500 or ?

Caduceus wrote:Why not just buy him the tools instead of giving him the money?


Tools are easy to sell.
by Ged
Tue Dec 16, 2014 4:57 pm
 
Forum: Personal Consumer Issues
Topic: Would you invest $2500 or ?
Replies: 21
Views: 1647

Re: Any negative outlooks on healthcare industry's future

I have a negative outlook in the sense that I think the current situation is wasteful and inefficient, leading to a great deal of instability and opportunity to improve.

The idea that it will be stable in it's current form for the next 30 years is I think unrealistic.
by Ged
Tue Dec 16, 2014 3:11 pm
 
Forum: Investing - Theory, News & General
Topic: Any negative outlooks on healthcare industry's future
Replies: 49
Views: 2950

Re: Camcorder vs. iPhone vs. DSLR Camera

DSLRs in the right hands can crush a smartphone camera or inexpensive camcorder for image quality. Many DSLRs take stunning High Def video and record audio as well. However it does take some work to understand photography at the level needed to take full advantage of a DSLR. If you become proficient...
by Ged
Tue Dec 16, 2014 1:31 pm
 
Forum: Personal Consumer Issues
Topic: Camcorder vs. iPhone vs. DSLR Camera
Replies: 39
Views: 2126

Re: WHY is retirement enjoyable / something to look forward

Freedom.

Just think about it. 0-6 years your will is controlled by parents. At 6 you become a thrall to school. From graduation to retirement it's dominated by your work. Only in retirement is your time your own to do what you will.

Well except maybe for what your spouse wants...
by Ged
Tue Dec 16, 2014 11:32 am
 
Forum: Personal Consumer Issues
Topic: WHY is retirement enjoyable / something to look forward to?
Replies: 145
Views: 9012

Re: Oil's future...

From Wikipedia, "Tight Oil" Following are estimates of technically recoverable volumes of tight oil associated with shale formations, made by the US Energy Information Administration in 2013. Not all oil which is technically recoverable may be economically recoverable at current or anticip...
by Ged
Mon Dec 15, 2014 10:28 pm
 
Forum: Investing - Theory, News & General
Topic: Oil's future...
Replies: 56
Views: 6074

Re: Odds of portfolio survival = 90%; odds of my survival =

We Boomers, I'm willing to bet, will surpass their longevity handily, on average. Even if we don't, I can't know how long I will live, and if this tail risk shows up and I am unprepared, there will be dire consequences. I would not take that bet. Longevity is increasing at a rate of about 3 months ...
by Ged
Mon Dec 15, 2014 8:58 pm
 
Forum: Investing - Theory, News & General
Topic: Odds of portfolio survival = 90%; odds of my survival = 0.1%
Replies: 167
Views: 9722

Re: What are your 2015 Financial Goals?

What Victoria said.
by Ged
Mon Dec 15, 2014 4:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: What are your 2015 Financial Goals?
Replies: 96
Views: 6728

Re: Volvo vs. Mercedes

Mercedes and BWM have fairly poor reliability and are expensive to fix. If you are looking 10 years out I would pass on them. Volvo is somewhat better but no star. Honda and Toyota are really top notch and have been for decades. If it was my money I'd be focusing on the Japanese producers.
by Ged
Mon Dec 15, 2014 4:32 pm
 
Forum: Personal Consumer Issues
Topic: Volvo vs. Mercedes
Replies: 52
Views: 4700

Re: Most/Least Boglehead 2014 Activity?

Most: Told my Fidelity broker that I am not buying any of his adviser funds. Hugely enjoyed my first full year of retirement. Spent a lot of time on this site. Made some small adjustments to my asset allocation because I'm getting out of tilting for now.

Least: Overspent on some landscaping.
by Ged
Mon Dec 15, 2014 4:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Most/Least Boglehead 2014 Activity?
Replies: 86
Views: 7805

Re: Odds of portfolio survival = 90%; odds of my survival =

That's statistically true, however on the news this morning there was a clip of a guy 104 years old running a 100 meter dash in under 20 seconds. I'm pretty sure he knows the difference between cat food and Amaretti del Chiostro. Not sure I want to spend 20 years of my life in the cat food aisle, an...
by Ged
Mon Dec 15, 2014 12:15 pm
 
Forum: Investing - Theory, News & General
Topic: Odds of portfolio survival = 90%; odds of my survival = 0.1%
Replies: 167
Views: 9722

Re: RBD in Emerging Markets Brewing

If I was accumulating assets I'd be DCA'ing into it.
by Ged
Mon Dec 15, 2014 12:06 pm
 
Forum: Investing - Theory, News & General
Topic: RBD in Emerging Markets Brewing
Replies: 37
Views: 3457

Re: Childrens watch

by Ged
Mon Dec 15, 2014 11:54 am
 
Forum: Personal Consumer Issues
Topic: Childrens watch
Replies: 5
Views: 393

Re: Ex-manager(s), and you?

Yes. You definitely want to maintain a good relationship with ex-managers unless they are just intolerable jerks. The networking aspects are very positive. I've had several job offers from ex-managers. Not to mention that some of them are quite good friends now.
by Ged
Sun Dec 14, 2014 10:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Ex-manager(s), and you?
Replies: 12
Views: 1780

Re: What Book Are You Currently Reading? Part VI

Well, I finally finished Windup Girl by Paolo Bacigalupi. It is a very creative work based on a dystopic future where large multinationals companies have taken over a post-oil world through genetic control of the food supply. I think perhaps I had some difficulty accepting the premise; from what I k...
by Ged
Sun Dec 14, 2014 8:23 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 258
Views: 31471

Re: Does your work define you?

Yes, and it's bad. If your job changes radically, or you get laid off you will go through a pretty rough time if you identify yourself with your job this much. I know people who likewise have a tough time transitioning into retirement because of this. They identify with their position and when it's ...
by Ged
Sun Dec 14, 2014 12:30 am
 
Forum: Personal Consumer Issues
Topic: Does your work define you?
Replies: 30
Views: 2728

Re: How do you factor entitlements into your investing plan?

The US would have to be a pretty grim place to have no retirement social programs. It would seem to me that investment planning for such a set of circumstances would require some radical thinking. Likely it would mean investing in land and similar physical assets instead of financial instruments. No...
by Ged
Sun Dec 14, 2014 12:02 am
 
Forum: Personal Finance (Not Investing)
Topic: How do you factor entitlements into your investing plan?
Replies: 52
Views: 4479
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