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Re: Domestic vs. International Stock Allocation ?

I settled on a 65% domestic/35% international stock allocation many years ago and I have found no reason to change. We settled on something pretty close. 66.6% domestic/33.3% international. Easy to check if domestic is roughly double international to make sure things are balanced. I do 62% domestic...
by LazyNihilist
Fri Mar 28, 2014 10:05 pm
 
Forum: Investing - Theory, News & General
Topic: Domestic vs. International Stock Allocation
Replies: 37
Views: 2929

Re: How much internet speed is enough?

I wish Google Fiber comes to my place ASAP.
The other ISP's are really gouging their customers. :annoyed
by LazyNihilist
Thu Mar 20, 2014 8:42 pm
 
Forum: Personal Consumer Issues
Topic: How much internet speed is enough?
Replies: 21
Views: 1522

Re: Replacement for Windows XP Computer

If possible get a Ubuntu or Linux Mint Live CD and try it out. You might like it.
by LazyNihilist
Wed Mar 19, 2014 7:37 pm
 
Forum: Personal Consumer Issues
Topic: Replacement for Windows XP Computer
Replies: 72
Views: 4153

Re: ANY secure Internet access while traveling?

The answer is probably no, but I'll ask anyways... If I have Hamachi Logmein installed on a PC acting as the server, can a Nexus 7 tablet running OpenVPN connect to the VPN network I setup on the Hamachi based PC? Not sure how logmein works. But I have an OpenVPN server setup @ home and can connect...
by LazyNihilist
Wed Mar 19, 2014 7:16 pm
 
Forum: Personal Consumer Issues
Topic: ANY secure Internet access while traveling?
Replies: 54
Views: 3343

Re: ANY secure Internet access while traveling?

I'd recommend looking for established OpenVPN providers within US. Once you connect your computer to the provider using OpenVPN, the network should be pretty secure. The danger is using untrusted devices (computer/smartphone) to login to your accounts. In that case an OpenVPN is not of much help if ...
by LazyNihilist
Wed Mar 19, 2014 12:41 am
 
Forum: Personal Consumer Issues
Topic: ANY secure Internet access while traveling?
Replies: 54
Views: 3343

Re: Confession: I bought a stock. What is wrong with me?

As long as the 'fun' money doesn't exceed 5% of the Total Portfolio, i'd say go for it. If there are any gains, it's good. If the stock drops, it's a good lesson to stick to index funds. :happy
by LazyNihilist
Sun Mar 16, 2014 8:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Confession: I bought a stock. What is wrong with me?
Replies: 25
Views: 2138

Re: Bogle & [NY] Subway [Train]

Actions speak louder than words. These are the things that make me trust Bogle and Vanguard. I hope Vanguard always has good leaders.
by LazyNihilist
Sat Mar 15, 2014 5:18 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Bogle & [NY] Subway [Train]
Replies: 31
Views: 3247

Re: Cruel math [x% loss requires x+% gain to get even]

To make up an x% loss requires a gain of x/(1-(x/100)) % Making use of that formula, making up for a 200% loss requires a further loss of 200% :mrgreen: I should've put "where x < 100". For making up for a 200% loss I have a "special" formula given to me by a Nigerian Prince. I ...
by LazyNihilist
Wed Feb 26, 2014 10:32 pm
 
Forum: Investing - Theory, News & General
Topic: Cruel math [x% loss requires x+% gain to get even]
Replies: 35
Views: 2803

Re: Cruel math [x% loss requires x+% gain to get even]

To make up an x% loss requires a gain of
Code: Select all
x/(1-(x/100)) %
by LazyNihilist
Wed Feb 26, 2014 8:37 pm
 
Forum: Investing - Theory, News & General
Topic: Cruel math [x% loss requires x+% gain to get even]
Replies: 35
Views: 2803

Re: Is my return correct?

Thanks #Cruncher. Your detailed explanation and calculations are very helpful as always.
by LazyNihilist
Sat Jan 18, 2014 5:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is my return correct?
Replies: 6
Views: 798

Re: Is my return correct?

I like XIRR. I think it gives a good number to compare against other fund returns or interest rates.
by LazyNihilist
Sat Jan 18, 2014 2:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Is my return correct?
Replies: 6
Views: 798

Re: Why Vanguard is a Role Model for the Fund Industry

I hope another Mutual Fund company with Vanguard's ownership structure becomes popular. That way Vanguard has good competition.
Right now Vanguard is great and I have 'almost nothing' to complain about. But having another Mutual Fund company wouldn't hurt. :happy
by LazyNihilist
Tue Jan 14, 2014 8:44 pm
 
Forum: Investing - Theory, News & General
Topic: Why Vanguard is a Role Model for the Fund Industry
Replies: 10
Views: 1393

Re: Should my son pay me rent, utilities, etc...?

Don't charge him anything. In fact if it was me, I would give my kids some extra money to stay with me. Always nice to have kids stay with parents if they are happy. Is your son happy with his job? If he is happy, then he can continue working there, if not, community college is a good idea. I don't ...
by LazyNihilist
Tue Jan 14, 2014 8:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should my son pay me rent, utilities, etc...?
Replies: 124
Views: 10012

Re: What Book Are You Currently Reading? Part V

“When I look at myself, yeah, I am driven by money,” he said. “I like many creature comforts. I want to make sure I take care of my kids well and so on and so forth. And when I live in this society you do get fairly materiliastic, so I look at that. I am disappointed.I am probably more materialisti...
by LazyNihilist
Tue Jan 07, 2014 12:30 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 2626
Views: 597600

Re: free annual credit report

I applied for the Walmart Credit Card. You get your Credit Score for free with this. I think someone mentioned this on a different thread :beer
by LazyNihilist
Wed Jan 01, 2014 8:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: free annual credit report
Replies: 8
Views: 824

Re: Help with selecting from the following funds in HSA

Did you want to try this yourself using M*'s instant X-ray with some guidance in the wiki? See: How to build a lazy portfolio Thanks LadyGeek. M* is constantly prompting me to sign up if I need to use anything a little advanced. I will consider this as part of my bond holding and hope it keeps clos...
by LazyNihilist
Fri Dec 20, 2013 1:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with selecting from the following funds in HSA
Replies: 6
Views: 306

Re: Help with selecting from the following funds in HSA

stlutz wrote:Yes, use short-term investment grade and count that as part of your overall bond allocation.


Thanks stlutz. I will do that.
by LazyNihilist
Fri Dec 20, 2013 1:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with selecting from the following funds in HSA
Replies: 6
Views: 306

Re: Help with selecting from the following funds in HSA

mhc wrote:Obviously, the Vanguard fund is the lowest cost. In general, HSA accounts don't have that much money, so it's not a big deal.


That's true. Not too much money in HSA. So not too worried about trying to get exactly what I want.
My 401k has very good options so am happy there.
by LazyNihilist
Fri Dec 20, 2013 1:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with selecting from the following funds in HSA
Replies: 6
Views: 306

Help with selecting from the following funds in HSA

I invest in a typical Bogleheads fashion with 4 funds in my portfolio of VTSMX/VGTSX/VBMFX/VIPSX. And I like to keep it simple. I now have the following fund options in my HSA. Please help selecting from the below mutual funds. VFSTX 0.20% Vanguard Short Term Investment Grade HABDX 0.55% Harbor Bond...
by LazyNihilist
Thu Dec 19, 2013 11:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with selecting from the following funds in HSA
Replies: 6
Views: 306

Re: Mega Millions jackpot to $636 million

And here's the token downer post! Odds of winning Mega Millions: 1 in 259 million. You have a better chance of: Getting canonized: 1 in 20 million Becoming an astronaut: 1 in 13 million Dying from parts falling off an airplane: 1 in 10 million Getting a royal flush in the first hand: 1 in 649,740 G...
by LazyNihilist
Wed Dec 18, 2013 8:54 pm
 
Forum: Personal Consumer Issues
Topic: Mega Millions jackpot to $636 million
Replies: 82
Views: 3943

Re: Correlation Between Work, Happiness, and Investing

Coincidentally I ran across this video yesterday about happiness research. He figured out the four best factors to concentrate on while building a happiness portfolio. :happy http://www.youtube.com/watch?v=sDH4mzsQP0w Looks more like a propaganda video. Very unconvinced and I strongly disagree with...
by LazyNihilist
Wed Dec 18, 2013 8:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Correlation Between Work, Happiness, and Investing
Replies: 25
Views: 2494

Re: Correlation Between Work, Happiness, and Investing

The key to happiness is low expectations. :happy
by LazyNihilist
Wed Dec 18, 2013 8:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Correlation Between Work, Happiness, and Investing
Replies: 25
Views: 2494

Re: Any bogleheads work "for the dark side"?

I worked for Burger King. I knew the food I was making was not healthy. Do I qualify as working "for the dark side"? :wink:
by LazyNihilist
Sun Dec 15, 2013 10:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Any bogleheads work "for the dark side"?
Replies: 36
Views: 4019

Re: Beating the S&P with minimal taxes

Hi Ken, Here is a related thread I created earlier. The aim was to see if there was a way to beat an Index fund. http://www.bogleheads.org/forum/viewtopic.php?f=10&t=117601 And here is grabiner's great post that sort of states what you are currently doing and how it is possible to beat any index...
by LazyNihilist
Mon Dec 09, 2013 9:59 pm
 
Forum: Investing - Theory, News & General
Topic: Beating the S&P with minimal taxes
Replies: 46
Views: 2683

Re: Best overall fund (Vanguard) for savings

Put it in Vanguard LifeStrategy Moderate Growth Fund (VSMGX). If you want a "single" fund, this is the best fund out there.
If you want be a little more hands on, then you can actually split the money into Total US Stocks/Total Int Stocks/US Bonds.
by LazyNihilist
Sun Dec 08, 2013 12:34 am
 
Forum: Investing - Theory, News & General
Topic: Best overall fund (Vanguard) for savings
Replies: 7
Views: 1205

Re: Bogle's basics: 12 letter strategy

Needs international. Somewhere between 30 to 50% of Stocks. The rest looks good.
by LazyNihilist
Wed Dec 04, 2013 12:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Bogle's basics: 12 letter strategy
Replies: 8
Views: 1824

Re: Tax advantage accounts maximum contribution

It gets you tax deferral of earnings. A little confused by this. So I can contribute $x of after-tax money to a 401k and I can 'trade' on that money without needing to pay any taxes until I start withdrawing from it? If that is the case, how do I keep this after-tax contribution 'separate' from the...
by LazyNihilist
Wed Nov 27, 2013 9:48 pm
 
Forum: Investing - Theory, News & General
Topic: Tax advantage accounts maximum contribution
Replies: 35
Views: 1538

Re: Vanguard to receive International WIre Xfers?

Last time I did an international wire transfer, the fees was $45. :annoyed
by LazyNihilist
Wed Nov 27, 2013 6:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard to receive International WIre Xfers?
Replies: 13
Views: 795

Re: VTSMX or what

Hey guys, I am retired and want to try a little investing on my own, thinking of VTSMX about $7000.00 also another fund that will offset and not overlap the VTSMX not sure which one(s) Should a retired person 73 years old be investing in this fund, or should I be looking elsewhere ? Please let me k...
by LazyNihilist
Wed Nov 27, 2013 6:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: VTSAX VS. VTSMX [Investor vs. Admiral, Portfolio Help]
Replies: 10
Views: 1017

Re: Tax advantage accounts maximum contribution

Don't forget that in many 401K plans you can contribute after tax contributions up to the 51K limit. I do. There are a few good reasons to do this. What reasons would you have to contribute 'after-tax' to a 401k plan? Is it better fund choices in 401k? Would you do that if you have Roth IRA space l...
by LazyNihilist
Wed Nov 27, 2013 5:53 pm
 
Forum: Investing - Theory, News & General
Topic: Tax advantage accounts maximum contribution
Replies: 35
Views: 1538

Re: Tax advantage accounts maximum contribution

Thanks for the replies.
by LazyNihilist
Wed Nov 27, 2013 5:50 pm
 
Forum: Investing - Theory, News & General
Topic: Tax advantage accounts maximum contribution
Replies: 35
Views: 1538

Re: Tax advantage accounts maximum contribution

If a person can contribute max. of $17,500 and if the total of employer contribution should not exceed $51,000. Are there instances where employers contribute $33,500?
by LazyNihilist
Tue Nov 26, 2013 10:03 pm
 
Forum: Investing - Theory, News & General
Topic: Tax advantage accounts maximum contribution
Replies: 35
Views: 1538

Re: Cheap 9-10 inch tablets / Black Friday deals

Toons wrote:You said "cheap"
Get 2 :sharebeer
Tis the season
No like? Return to Walmart :happy

http://www.walmart.com/ip/XELIO-9-Table ... y/23709348


That's a crazy cheap price. Thanks for the link. :sharebeer
by LazyNihilist
Mon Nov 25, 2013 1:51 pm
 
Forum: Personal Consumer Issues
Topic: Cheap 9-10 inch tablets / Black Friday deals
Replies: 49
Views: 3806

Re: Advice on how to get a good car lease deal needed

runner9 wrote:Why have you decided on a lease as opposed to buying with a low interest car loan, such as from PenFed?

I was thinking along the lines of leasing with an option to buy at the end of the lease term if I like it.
Never heard of PenFed before. Let me look into it.
by LazyNihilist
Sun Nov 10, 2013 11:09 am
 
Forum: Personal Consumer Issues
Topic: Advice on how to get a good car lease deal needed
Replies: 13
Views: 940

Re: Advice on how to get a good car lease deal needed

Check manufacturers' websites for lease deals. If the car you want is listed, you may have found the good deal. (Some of these deals are very good, some are bad.) You've already done this, so compare the deals to similar cars. Various car websites can give you a ballpark figure. (Edmunds, TrueCar, ...
by LazyNihilist
Sun Nov 10, 2013 11:06 am
 
Forum: Personal Consumer Issues
Topic: Advice on how to get a good car lease deal needed
Replies: 13
Views: 940

Re: Are you an Iphone or Android guy?

Android.

But I wish Nokia continued N900 series. That was a great smartphone with Maemo Linux OS. You could control it more than almost any other smartphone out there. Sadly got discontinued once Elop became CEO of Nokia. (That's another tragedy.)
by LazyNihilist
Sun Nov 10, 2013 4:03 am
 
Forum: Personal Consumer Issues
Topic: Are you an Iphone or Android guy?
Replies: 112
Views: 6589

Advice on how to get a good car lease deal needed

Greetings Bogleheads: The LazyNihilist would like to receive advice from Bogleheads on how to get a good car lease deal. The LazyNihilist had a used car for the past 5 years. And a different used car for 3 years before that. The used car required major maintenance work recently. The LazyNihilist had...
by LazyNihilist
Sun Nov 10, 2013 3:17 am
 
Forum: Personal Consumer Issues
Topic: Advice on how to get a good car lease deal needed
Replies: 13
Views: 940

Re: The bank took my $50 counterfeit money and gave me nothi

Grt2bOutdoors wrote:Glad it worked out for you! :sharebeer


Thanks Grt2bOutdoors.
by LazyNihilist
Thu Oct 31, 2013 10:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: The bank took my $50 counterfeit money and gave me nothing
Replies: 90
Views: 7867

Re: The bank took my $50 counterfeit money and gave me nothi

Got a call from the bank today. The secret service (or some govt. dept.) returned the $50 note back to the bank saying it was a genuine note. :happy I requested if I could get the note back, to keep as a souvenir, but the bank said they need to keep it for their records and deposited it into my acco...
by LazyNihilist
Thu Oct 31, 2013 10:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: The bank took my $50 counterfeit money and gave me nothing
Replies: 90
Views: 7867

Re: Advisor Unhappiness...it seems easy but...

You can do it regularly at every quarter or once a year. But set it out in your plan and stick to it.
You can also set "bands" (5% or 10%) around your target allocation. Once the allocation exceeds the 5% or 10% you can rebalance it back to your target allocation.
by LazyNihilist
Sat Oct 26, 2013 12:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Advisor Unhappiness...it seems easy but...
Replies: 64
Views: 6072

Re: Baidu spider crawling this site?

Users browsing this forum: Baidu [Spider], GTi, MSN [Bot], sscritic, Taylor Larimore and 38 guests There I am, immortalized right next to Taylor. I think I will print a t-shirt. P.S. Which do you fear more, a spider or a bot? Users browsing this forum: Baidu [Spider], LazyNihilist, Streetsnake and ...
by LazyNihilist
Fri Oct 25, 2013 11:54 pm
 
Forum: Forum Issues and Administration
Topic: Baidu spider crawling this site?
Replies: 19
Views: 3123

Re: How to prosyletize to a lazy friend

There is no better friend to "Lazy" investors than Bogleheads. :P
by LazyNihilist
Fri Oct 25, 2013 11:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to prosyletize to a lazy friend
Replies: 27
Views: 2363

Re: Baidu spider crawling this site?

Peculiar_Investor wrote:Even the spiders and bots that visit Bogleheads are indexers. 8-)

Brilliant. :sharebeer
by LazyNihilist
Fri Oct 25, 2013 11:43 pm
 
Forum: Forum Issues and Administration
Topic: Baidu spider crawling this site?
Replies: 19
Views: 3123

Re: Advisor Unhappiness...it seems easy but...

If you are investing in a tax-deferred account (IRA/401k), then don't hold back anything. Put all of the money into the funds according to the percentages you allocated. If the markets do pull back or rise sharply, and the current allocation deviates from your set target percentages, then you can re...
by LazyNihilist
Fri Oct 25, 2013 11:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advisor Unhappiness...it seems easy but...
Replies: 64
Views: 6072

Re: Elope to Save Money?

The wedding industry in the US has persuaded people that weddings are some kind of important rite of passage when they are just the most egregious example of wasteful, conspicuous consumption. It's a global phenomenon. Also, there is the peer pressure of having a wedding at least as good as your fr...
by LazyNihilist
Fri Oct 25, 2013 10:21 pm
 
Forum: Personal Consumer Issues
Topic: Elope to Save Money?
Replies: 79
Views: 5202

Re: The bank took my $50 counterfeit money and gave me nothi

WendyW wrote:
LazyNihilist wrote:I tried to get back the counterfeit $50, planning to exchange it at a grocery or retail store.

I'm glad the bank didn't give you the bill back.


Hypothetical question, what would you advice someone who just realized that all their life savings were counterfeit notes?
by LazyNihilist
Fri Oct 18, 2013 7:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: The bank took my $50 counterfeit money and gave me nothing
Replies: 90
Views: 7867

Re: The bank took my $50 counterfeit money and gave me nothi

I tried to get back the counterfeit $50, planning to exchange it at a grocery or retail store. But they wouldn't give it back to me. So your plan was to commit a felony to save $50 and rip off a merchant? Why not just shoplift? Don't do this! I think in a lot of retails, the cashiers are the one ha...
by LazyNihilist
Fri Oct 18, 2013 7:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: The bank took my $50 counterfeit money and gave me nothing
Replies: 90
Views: 7867

Re: The bank took my $50 counterfeit money and gave me nothi

placeholder wrote:
LazyNihilist wrote:I tried to get back the counterfeit $50, planning to exchange it at a grocery or retail store. But they wouldn't give it back to me.

So your plan was to commit a felony to save $50 and rip off a merchant? Why not just shoplift?


Risk/Reward is not right. :greedy
by LazyNihilist
Fri Oct 18, 2013 7:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: The bank took my $50 counterfeit money and gave me nothing
Replies: 90
Views: 7867

Re: The bank took my $50 counterfeit money and gave me nothi

I went to the bank for some quarters and they just took my $50 and said they have to send it to the Secret Service and I won't get it back if it is a counterfeit. I tried asking them to deposit it into my account, but they said there is nothing that can be done. I don't even remember where I got th...
by LazyNihilist
Fri Oct 18, 2013 7:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: The bank took my $50 counterfeit money and gave me nothing
Replies: 90
Views: 7867
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