Search found 292 matches

Return to advanced search

Re: Bogleheads.org Home Page Updated

This is looking better, or at least more familiar. I'd like to thank Lady Geek for her patience and lack of hitting people.
I'd like to see what it looks like centered sometime.
by JimInIllinois
Mon Mar 03, 2014 10:27 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads.org Home Page Updated
Replies: 230
Views: 9069

Re: Bogleheads.org Home Page Updated

I don't know what people are talking about when they say there is white space on the right side. I don't see any on my iPod touch. Do you really see a lot of white space on your smart phones? When I turn my touch from portrait to landscape, the font size increases so that it looks as if the proport...
by JimInIllinois
Mon Mar 03, 2014 2:25 am
 
Forum: Forum Issues and Administration
Topic: Bogleheads.org Home Page Updated
Replies: 230
Views: 9069

Re: Bogleheads.org Home Page Updated

tfb wrote:It's better than before. I'm afraid new visitors still can't figure out what's going on. Compare with the home page of Financial Wisdom Forum:

http://www.financialwisdomforum.org/

Mission statement, 2 major components: wiki + forum

Very clear and clean.


And, please note, centered.
by JimInIllinois
Mon Mar 03, 2014 1:57 am
 
Forum: Forum Issues and Administration
Topic: Bogleheads.org Home Page Updated
Replies: 230
Views: 9069

Re: Bogleheads.org Home Page Updated

Layout thoughts... For those that run at a higher-res the home page has always been shoved to the left. However this is more extreme. Pulling up the old site in the wayback machine and comparing I notice that the new layout is, aside from the header, roughly an inch skinnier (will differ on differe...
by JimInIllinois
Mon Mar 03, 2014 1:56 am
 
Forum: Forum Issues and Administration
Topic: Bogleheads.org Home Page Updated
Replies: 230
Views: 9069

Re: Hypothetical Reallocation Strategy

It is important to know what her capital gain would be if she sold the VGHAX.
by JimInIllinois
Thu Jan 23, 2014 9:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Hypothetical Reallocation Strategy
Replies: 4
Views: 339

Re: Free Food

I just printed a coupon for a FREE burger at Ruby Tuesday - says up to $9 value. I did that a few years ago - no catch. I did leave a cash tip, though. Here's the catch: http://eatthis.menshealth.com/content/20-worst-foods?article=4&page=1 http://eatthis.menshealth.com/content/20-worst-foods-wo...
by JimInIllinois
Wed Jan 22, 2014 12:33 am
 
Forum: Personal Consumer Issues
Topic: Free Food
Replies: 21
Views: 2432

Re: Pay capital gains to lower fund costs?

This is what I would suggest for your taxable accounts: 1) Set all dividends and capital gains to be distributed to you rather than reinvested. 2) Delay taking social security until age 69 to maximize your guaranteed income for life and minimize taxable income while you... 3) Sell enough of your mos...
by JimInIllinois
Thu Jan 16, 2014 10:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pay capital gains to lower fund costs?
Replies: 9
Views: 575

Re: Bond allocation rebalancing

My real question is “does the bond portion of my portfolio need to be more diversified? If so, how do I go about it without overly increasing the proportion of bonds? No. The purpose of diversification is to reduce risk and your portfolio has zero risk. You are earning what is currently an above ma...
by JimInIllinois
Sat Jan 11, 2014 11:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond allocation rebalancing
Replies: 14
Views: 1094

Re: Is a 457b a good option after maxed out 403b and Roth IR

I just saw that your 457 choices are TIAA-CREF or Fidelity. The Fidelity "Spartan" index funds are OK, almost as good as Vanguard in most cases. TIAA-CREF is well regarded as an institution, and you may have access to two unique vehicles: the Traditional Account, which is currently paying ...
by JimInIllinois
Sun Jan 05, 2014 3:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is a 457b a good option after maxed out 403b and Roth IRA?
Replies: 26
Views: 1337

Re: Is a 457b a good option after maxed out 403b and Roth IR

It depends on the investment choices and your chances of needing to access the money before age 59 1/2 due to job loss or retirement. I use the stable value fund in my 457 plan as for my "emergency fund" in case of unemployment (and have other liquid funds for other emergencies).
by JimInIllinois
Sun Jan 05, 2014 3:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is a 457b a good option after maxed out 403b and Roth IRA?
Replies: 26
Views: 1337

Re: Bed sheets like they used to be?

The weave and quality of cotton are more important than thread count. Percale weave is more durable than sateen. Long-staple cotton is more durable than short staple. Many of the reported counts are multiplied by the number of plies in each thread, so a 300-thread-count x 4-ply becomes "1200 co...
by JimInIllinois
Tue Dec 31, 2013 12:54 am
 
Forum: Personal Consumer Issues
Topic: Bed sheets like they used to be?
Replies: 41
Views: 3647

Re: New Poster. Talk me out of 100%stock allocation

The fact that stocks have outperformed bonds in the past is no guarantee that they will in the future. The risk is real, and while you can afford to take it you have no need to. Also, you don't give up that much by having a diversified and rebalanced portfolio. See, e.g., http://www.cbsnews.com/8301...
by JimInIllinois
Fri Sep 27, 2013 2:51 am
 
Forum: Investing - Help with Personal Investments
Topic: New Poster. Talk me out of 100%stock allocation
Replies: 50
Views: 5059

Re: Training & Education path to becoming a Sys Admin?

I'd recommend starting with slashdot.org. You could actually ask this question there (or check if someone has already asked something similar already).
Another good site is theregister.com.
by JimInIllinois
Sat Sep 21, 2013 5:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Training & Education path to becoming a Sys Admin?
Replies: 7
Views: 825

Re: Reverse Logic: Bonds in Taxable, Stocks in Tax-Sheltered

Also remember that not all investment income is taxed the same. Interest from bonds and withdrawals from retirement accounts are both taxed at ordinary income rates, so a bond is always more tax efficient in a retirement account than not. Dividends and capital gains from stocks in a taxable account ...
by JimInIllinois
Wed Sep 11, 2013 12:45 am
 
Forum: Investing - Theory, News & General
Topic: Reverse Logic: Bonds in Taxable, Stocks in Tax-Sheltered
Replies: 25
Views: 1974

Re: Reverse Logic: Bonds in Taxable, Stocks in Tax-Sheltered

The standard advice is that tax-advantaged space should be filled before (retirement) investing in taxable accounts. It is only once tax-advantaged space is full that the question arises of which assets in the target asset allocation should be placed in the taxable account. Certain assets, like TIPS...
by JimInIllinois
Wed Sep 11, 2013 12:31 am
 
Forum: Investing - Theory, News & General
Topic: Reverse Logic: Bonds in Taxable, Stocks in Tax-Sheltered
Replies: 25
Views: 1974

Re: Joining a religious order with a poverty vow

Legitimate religious orders have a multi-year contemplation period before final vows.
by JimInIllinois
Fri Jul 05, 2013 1:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Joining a religious order with a poverty vow
Replies: 62
Views: 3135

Re: Time to rethink placing bonds in tax advantaged?

There seems to be a life-cycle component to asset location that I do not recall seeing discussed. When I retire I would prefer to have stocks in my taxable account for the usual reasons. In my peak earning years immediately prior to retirement I will be shifting my asset allocation to be more conser...
by JimInIllinois
Sat May 11, 2013 3:25 am
 
Forum: Investing - Theory, News & General
Topic: Time to rethink placing bonds in tax advantaged?
Replies: 15
Views: 1832

Re: wedding gift - tacky or not ....

Um, no. You can figure out pretty closely what was paid for the gold coin on the day it was purchased. It's as if you wrote a check to the couple on that day. It's that impersonal. It's a far cry from making an effort to search for a unique, special gift that would be particularly liked or needed b...
by JimInIllinois
Wed May 01, 2013 7:37 am
 
Forum: Personal Consumer Issues
Topic: wedding gift - tacky or not ....
Replies: 57
Views: 3126

Re: What Type Of Wallet Do You Prefer?

Second http://www.all-ett.com/original-wallet/ I've had the original nylon for years. I actually bought a replacement when it developed some holes in the corners, but the "rip-stop" nylon is true to its name and they haven't gotten any bigger so the replacement is still sitting on the shel...
by JimInIllinois
Tue Mar 12, 2013 11:18 pm
 
Forum: Personal Consumer Issues
Topic: What Type Of Wallet?
Replies: 90
Views: 7600

Re: How much to spend on a new washer & dryer

Based on a Consumer Reports review I bought their top recommendation: a Maytag HE washer for over $900. Two years later the control panel and a sensor broke. Replacement cost was $400. The repairman said there was no way of knowing if these replacement parts would last any longer than the originals...
by JimInIllinois
Mon Feb 18, 2013 3:11 pm
 
Forum: Personal Consumer Issues
Topic: How much to spend on a new washer & dryer
Replies: 66
Views: 7627

Re: Fund placement to hedge risk rather than reduce taxes

The problem is you don't know the answer so you have to decide on your allocation and location before you know the fact. The more volatile the asset the more important it is to know how much of it you own precisely. If, through progressive taxation, the fraction of an asset that I own decreases as ...
by JimInIllinois
Mon Feb 11, 2013 8:45 pm
 
Forum: Investing - Theory, News & General
Topic: Fund placement to hedge risk rather than reduce taxes
Replies: 8
Views: 360

Re: Fund placement to hedge risk rather than reduce taxes

You can rebalance between accounts at any time. Seems like you are looking at each account individually, which is not optimal. Unless I'm missing something, this doesn't offer any real benefits over more traditional tax-efficient investing. Sorry for not being clear. Within an overall asset allocat...
by JimInIllinois
Mon Feb 11, 2013 8:17 pm
 
Forum: Investing - Theory, News & General
Topic: Fund placement to hedge risk rather than reduce taxes
Replies: 8
Views: 360

Re: Fund placement to hedge risk rather than reduce taxes

Also with tax DEFERRED accounts you don't own the whole account, the government owns a portion. It's not they hedge the risks, it's that you don't own 100% of the asset in the first place and that should be accounted for in your investment plan, something many if not most investors fail to do. Larr...
by JimInIllinois
Mon Feb 11, 2013 7:43 pm
 
Forum: Investing - Theory, News & General
Topic: Fund placement to hedge risk rather than reduce taxes
Replies: 8
Views: 360

Fund placement to hedge risk rather than reduce taxes

Looking at Principles of Tax-Efficient Fund Placement I am wondering if the recommendation would be different if the risks of different asset classes were considered. Let us say I want to maximize my after-tax income in retirement if my investments do poorly, and that if my investments do well I wil...
by JimInIllinois
Mon Feb 11, 2013 1:59 pm
 
Forum: Investing - Theory, News & General
Topic: Fund placement to hedge risk rather than reduce taxes
Replies: 8
Views: 360

Re: Mean Reversion of Equity Prices: Less than Meets the Ey

tadamsmar wrote:Should their be a role for projected earnings and risks in stock price setting?

Of course. The only role that past earnings play is to help predict future earnings.
by JimInIllinois
Mon Feb 11, 2013 11:59 am
 
Forum: Investing - Theory, News & General
Topic: Mean Reversion of Equity Prices: Less than Meets the Eye?
Replies: 38
Views: 2425

Re: Mean Reversion of Equity Prices: Less than Meets the Ey

The good and bad performers of the past all revert to the average future performance of their peers. This is not based on using some past mean as a predictor. It say forget about the past relative means as a tool to predict the future relative means. Random walks evidence this type of RTM. Exactly....
by JimInIllinois
Mon Feb 11, 2013 11:55 am
 
Forum: Investing - Theory, News & General
Topic: Mean Reversion of Equity Prices: Less than Meets the Eye?
Replies: 38
Views: 2425

Re: Retire earlier or wealthier?

If you were 55 and your savings increased 50% overnight, would you... It surely depends. ⋅ Does 50% increase in savings mean that much because you were close to target/goal to begin with?... or it doesn't. ⋅ Unfortunately, many 55yo are not that close to meeting savings goals/ob...
by JimInIllinois
Sun Feb 10, 2013 3:06 pm
 
Forum: Investing - Theory, News & General
Topic: Retire earlier or wealthier?
Replies: 25
Views: 2940

Re: Retire earlier or wealthier?

If you were 55 and your savings increased 50% overnight, would you... It surely depends. ⋅ Does 50% increase in savings mean that much because you were close to target/goal to begin with?... or it doesn't. ⋅ Unfortunately, many 55yo are not that close to meeting savings goals/ob...
by JimInIllinois
Sun Feb 10, 2013 1:13 pm
 
Forum: Investing - Theory, News & General
Topic: Retire earlier or wealthier?
Replies: 25
Views: 2940

Retire earlier or wealthier?

I'm wondering if people save more so they can be retire earlier or have a higher standard of living in retirement.
by JimInIllinois
Sat Feb 09, 2013 7:34 pm
 
Forum: Investing - Theory, News & General
Topic: Retire earlier or wealthier?
Replies: 25
Views: 2940

Re: investing with style

Jim The data holds up all over the world and for periods lot longer than that. MOM and carry trade have been well known phenomenons for many decades. The profitability factor is the only new one, with Novy-Marx "discovering" it. MOM also exists not only all around the globe (with if memor...
by JimInIllinois
Sat Feb 09, 2013 6:54 pm
 
Forum: Investing - Theory, News & General
Topic: investing with style
Replies: 18
Views: 1866

Re: Basic bond question ...

Ugh. There sure are a lot of interest rate timers on this forum. It would be timing if bonds were yielding 5% and you were sure rates were heading up to 7% so you bought a CD yielding 4%. Nobody is doing that. For stocks, future value is harder to predict the further out you go. It's basically a ra...
by JimInIllinois
Sat Feb 09, 2013 5:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Basic bond question ...
Replies: 10
Views: 1250

Re: investing with style

Antti Ilmanen, Ronen Israel and Tobias J. Moskowitz of AQR Capital Management studied the period 1990-2011 and found... Whatever theoretical explanation is offered, this is an analysis of what strategies paid off over the last two decades. I have great respect for Larry, but this seems more like &q...
by JimInIllinois
Sat Feb 09, 2013 5:15 pm
 
Forum: Investing - Theory, News & General
Topic: investing with style
Replies: 18
Views: 1866

Re: Breaking the "slice and dice" habit

Technically speaking there is a downside. By slicing and dicing you could create returns that lag the total market. Obviously someone could counter with "well I could exceed the total market return", but I think underperforming is more heavily weighted than outperforming. By investing in ...
by JimInIllinois
Fri Feb 08, 2013 12:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Breaking the "slice and dice" habit
Replies: 40
Views: 4110

Re: What to do? Never had money to worry about before.

If I pick their target 2035 fund for now, is .91 expense ratio bad? I mean compared to Vanguard everything seems bad. They have other funds with expense ratios in the low 20s too. Or should I pick something like 60-70% this http://www.icmarc.org/prebuilt/static/funds/profile/WH9800.html and the res...
by JimInIllinois
Thu Feb 07, 2013 12:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do? Never had money to worry about before.
Replies: 15
Views: 2621

Re: What to do? Never had money to worry about before.

Very sorry about your wife. You may feel old right now, but you are still young with much ahead of you. Regarding the Roth IRA, you can save $275 per year in IL taxes by contributing to a traditional IRA and immediately converting to a Roth since your income allows you to deduct the IRA contribution...
by JimInIllinois
Wed Feb 06, 2013 10:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do? Never had money to worry about before.
Replies: 15
Views: 2621

Re: 30 years old - Should I invest my Roth401k Option?

Tax Rate: 28% Federal, 3% IL The Illinois tax rate is currently 5%. If your plan allows in-service rollovers you can avoid that 5% (although you would be paying tax on appreciated assets) by contributing to traditional and rolling some over to a Roth every year. The Roth allows you to effectively s...
by JimInIllinois
Mon Feb 04, 2013 11:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: 30 years old - Should I invest my Roth401k Option?
Replies: 17
Views: 1220

Re: How much in Emergency Fund if carrying a lot of debt?

If the student loan interest is deductible then it's effectively pretty close to the credit card rate. I think you'd enjoy the experience of paying off the "bad" credit card debt completely, which could inspire you to make the sacrifices needed to prepay the student loan.
by JimInIllinois
Mon Feb 04, 2013 10:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much in Emergency Fund if carrying a lot of debt?
Replies: 18
Views: 1506

Re: Handling a large I-Bond Position

Making an extra 3.6% per year for three years (or 2% for five years) covers the difference between a 15% and 25% tax bracket, so redeeming your bonds more than 3-5 years early to save taxes would never make sense until interest rates are much higher than today, and even then if you can only re-inves...
by JimInIllinois
Sun Feb 03, 2013 6:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Handling a large I-Bond Position
Replies: 19
Views: 1259

Re: Merriman - Retirees should be in Low-Risk Investment

And here's an article from January 2013 from the very same author suggesting the opposite. http://www.marketwatch.com/story/turbo-charge-your-retirement-portfolio-2013-01-16 Sounds like this guy can't make up his mind. I know, right? First he tells you to own some safe bonds, then he says half your...
by JimInIllinois
Thu Jan 31, 2013 10:39 am
 
Forum: Investing - Theory, News & General
Topic: Merriman - Retirees should be in Low-Risk Investment
Replies: 43
Views: 3982

Re: Merriman - Retirees should be in Low-Risk Investment

I used to be a Merriman fan and listen to his podcasts. Lately I find him annoying. He comes across as being full of himself. He uses the same stale jokes over and over like calling SS Social Insecurity. He does portfolio reviews where he is critical of them because of lack of commodities and gold....
by JimInIllinois
Thu Jan 31, 2013 10:32 am
 
Forum: Investing - Theory, News & General
Topic: Merriman - Retirees should be in Low-Risk Investment
Replies: 43
Views: 3982

Re: Merriman - Retirees should be in Low-Risk Investment

Take everything Paul Merriman says with a grain of salt, since his portfolios are all over the place, mostly whatever is hot, and cherry-picked to impress his clients (as are the promises of a 6-8% withdrawal rate. I include him in the Ray Lucia/Ben Stein area of entertaining hucksters, promising e...
by JimInIllinois
Thu Jan 31, 2013 2:36 am
 
Forum: Investing - Theory, News & General
Topic: Merriman - Retirees should be in Low-Risk Investment
Replies: 43
Views: 3982

Re: I-Bond Purchase Over the Limit was Allowed ?

§363.29 May Treasury close an account, suspend transactions in an account, or refuse to open an account? We reserve the right to take any of the following actions if, in our sole discretion, we deem the action to be in the best interests of the United States: (a) Refuse to open an account for any p...
by JimInIllinois
Mon Jan 28, 2013 10:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: I-Bond Purchase Over the Limit was Allowed ?
Replies: 47
Views: 4494

Re: TIAA-CREF Real Estate acceptable REIT substitute?

If you can live with the liquidity characteristics, then I would hold your Commercial RE allocation in this, over a REIT fund. The latter will be more volatile and will not 'track' Commercial RE characteristics (income the major factor in returns, lower volatility than stocks, lower returns, higher...
by JimInIllinois
Sun Jan 27, 2013 12:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIAA-CREF Real Estate acceptable REIT substitute?
Replies: 14
Views: 1509

Re: How Bogleheads made me a worse Investor

Chan_va wrote:But the whole point of coming to Bogleheads is take the path less taken by the average investor.


Ironically, the Bogleheads philosophy is to use index funds to follow exactly the path taken by the average investor, only with lower expenses, risk, and effort.
by JimInIllinois
Fri Jan 25, 2013 1:40 am
 
Forum: Investing - Theory, News & General
Topic: How Bogleheads made me a worse Investor
Replies: 76
Views: 7389

Re: Buy I-bonds this week or six months from now?

You can't sell for a year, so you'll get the next inflation bump either way. The fixed rate will be at zero until TIPS real rates are at least 1% (they are currently negative). Unless you have something better than the current I-bond yield to do with your money while you wait you're likely better of...
by JimInIllinois
Fri Jan 25, 2013 12:06 am
 
Forum: Investing - Theory, News & General
Topic: Buy I-bonds this week or six months from now?
Replies: 15
Views: 1438

Re: How Bogleheads made me a worse Investor

When you first discovered Bogleheads you learned that investing was simple. Now you're learning that simple is not the same thing as easy.
by JimInIllinois
Wed Jan 23, 2013 10:55 pm
 
Forum: Investing - Theory, News & General
Topic: How Bogleheads made me a worse Investor
Replies: 76
Views: 7389

Re: DCA vs. Lump Sum: Horse of a different color or not?

"Single Event Risk" is not a real thing. Every moment you own the market, you are re-buying the market because you always have the option to sell. It seems to me that the misunderstanding about DCA is basically a misunderstanding about buying vs holding-- they are equivalent. The one &quo...
by JimInIllinois
Sun Jan 20, 2013 7:32 pm
 
Forum: Investing - Theory, News & General
Topic: DCA vs. Lump Sum: Horse of a different color or not?
Replies: 56
Views: 1607

Re: DCA vs. Lump Sum: Horse of a different color or not?

"Single Event Risk" is not a real thing. Every moment you own the market, you are re-buying the market because you always have the option to sell. It seems to me that the misunderstanding about DCA is basically a misunderstanding about buying vs holding-- they are equivalent. The one &quo...
by JimInIllinois
Sun Jan 20, 2013 6:06 pm
 
Forum: Investing - Theory, News & General
Topic: DCA vs. Lump Sum: Horse of a different color or not?
Replies: 56
Views: 1607

Re: Holding off 2013 I-Bond Purchase

jeffyscott wrote:I think it would be a "lose" if the next fixed rate is greater than 0.


Good point, but that would require a 1% increase in real long-term interest rates before November to happen.
by JimInIllinois
Sat Jan 19, 2013 2:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Holding off 2013 I-Bond Purchase
Replies: 31
Views: 4027

Re: AA- How to balance stocks without using bonds?

If you buy I-bonds today they pay zero interest. Their only return is the inflation adjustment, which makes them a very price-stable version of a commodity like gold. If you have access to it, the TIAA Real Estate Account is also price-stable (short-term). It holds some bonds (less than 20%) for liq...
by JimInIllinois
Sat Jan 19, 2013 11:05 am
 
Forum: Investing - Help with Personal Investments
Topic: AA- How to balance stocks without using bonds?
Replies: 2
Views: 328
Next

Return to advanced search