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Re: Relatives Who Really Need Money Advice But Don't Get It.

I don't read diet/exercise forums, but I wonder if they have threads just like this one only about relatives with self-destructive eating habits.
by Mark13
Mon Oct 28, 2013 5:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Relatives Who Really Need Money Advice But Don't Get It.
Replies: 56
Views: 7045

Re: Domain names as part of investment strategy/AA?

I would put those in the same category as penny stocks, collectibles, and lottery tickets -- your "investment" fun money.
by Mark13
Mon Oct 28, 2013 4:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Domain names as part of investment strategy/AA?
Replies: 10
Views: 521

Re: Brothers response to index investing

The wise do not argue with fools. I hate to be so judgmental, but there it is. If you take him on you'll likely get sucked into a dizzying rhetorical vortex of half-baked talking points. If you somehow manage to convincingly refute him point by point, he may simply resent you.
by Mark13
Mon Oct 28, 2013 4:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Brothers response to index investing
Replies: 52
Views: 3825

Re: Bucket list - what's done, what's meh and what's left to

Does anyone know where this concept of the bucket list originated? It sounds like something dreamed up by publishers and travel agencies. Certainly it is important to have goals--that is nothing new. But why the impulse to make life into a to-do list? Must we structure our lives as a series of tasks?
by Mark13
Tue Oct 22, 2013 11:21 am
 
Forum: Personal Consumer Issues
Topic: Bucket list - what's done, what's meh and what's left to do?
Replies: 46
Views: 4032

Re: What George Constanza has to teach us about investing

I believe George once won a contest by "staying the course" longer than his peers. :wink:
by Mark13
Mon Jul 15, 2013 1:19 pm
 
Forum: Investing - Theory, News & General
Topic: What George Constanza has to teach us about investing
Replies: 28
Views: 4346

Re: Premium Products That Are Worth It To You

My Rossignol S3 Freeride skis.
by Mark13
Fri Jul 12, 2013 3:40 pm
 
Forum: Personal Consumer Issues
Topic: Premium Products That Are Worth It To You
Replies: 361
Views: 38543

Re: A spectacular movie, and a terrible movie

Great movie: The Lives of Others. It stuck with me for days after seeing it. Bad movie: Pan's Labyrinth. I know people who rave about how great this is, but I just thought it was kinda lame. Sorry, just my opinion. Also, +1 on Grizzly Man being a better documentary than Man on Wire (which was still ...
by Mark13
Fri Jul 12, 2013 10:54 am
 
Forum: Personal Consumer Issues
Topic: [Can you recommend]A spectacular movie, and a terrible movie
Replies: 161
Views: 10243

Re: New home build...anything youd want/change/splurge on...

Somebody already mentioned soundproofing. +1 for that, not only in the floors, but also in the walls. Not hearing every step someone else takes makes a house feel bigger.

Also we have a deck with a large retractable awning. We love it.
by Mark13
Tue Feb 12, 2013 10:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: New home build...anything youd want/change/splurge on...
Replies: 95
Views: 10939

Re: I'm playing an investment game. How do i make $50k from

"Investment game" is an oxymoron. Games should be fun. Investing should be dull.
by Mark13
Tue Feb 12, 2013 10:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: I'm playing an investment game. How do i make $50k from $1 m
Replies: 49
Views: 3573

Re: The Perils of financial modeling with Excel

I work in the commercial software industry, though not in the financial domain. I find it perplexing and even a little shocking that people would use Excel to develop complex statistical models with millions of dollars at stake. Excel is great for data entry, simple data analysis, and making charts ...
by Mark13
Tue Feb 12, 2013 7:35 pm
 
Forum: Investing - Theory, News & General
Topic: The Perils of financial modeling with Excel
Replies: 42
Views: 3069

Re: Fee-adjusted benchmarks in VA 529?

Thank you. That makes sense. Although now I do not see how the "adjustment reflecting the inVEST administrative fee for the Portfolio" is incorporated into the benchmark. I suppose the most literal reading would be that they simply lower their benchmarks by the amount of the administrative...
by Mark13
Thu Jan 03, 2013 12:26 pm
 
Forum: Investing - Theory, News & General
Topic: Fee-adjusted benchmarks in VA 529?
Replies: 2
Views: 244

Re: 529s: Do you include in AA? Rationale?

I have two young children. I treat their 529s as a single pot, separate from the rest of our allocation. I understand the rationale for including it in the overall allocation. If I had limited tax-advantaged space I might include it in the overall allocation so as to put tax-inefficient assets there.
by Mark13
Wed Jan 02, 2013 1:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529s: Do you include in AA? Rationale?
Replies: 27
Views: 1139

Fee-adjusted benchmarks in VA 529?

The benchmarks for the VA 529 evolving portfolios all include the phrase "+ 100 basis points". From the documentation: "The Portfolio Benchmark is a blended composite benchmark that reflects the asset allocation of the Portfolio over time, appropriate strategic benchmark index compone...
by Mark13
Sun Dec 30, 2012 9:57 pm
 
Forum: Investing - Theory, News & General
Topic: Fee-adjusted benchmarks in VA 529?
Replies: 2
Views: 244

Re: Thoughts on Target-Date Funds...

I think some target funds are great. For example, I have Blackrock target fund in 401k and its expense ratio is 0.12%. You can't really beat that, so I put 100% in the fund and just forget about it. Sorry for topic drift, but on that Blackrock fund, are you sure that 0.12% is the total expense rati...
by Mark13
Mon Oct 22, 2012 10:37 am
 
Forum: Investing - Theory, News & General
Topic: Thoughts on Target-Date Funds...
Replies: 45
Views: 3257

Re: Investing After My Lawsuit - REALLY LOST!!!!

Without knowing more about your total financial situation, it's impossible to say whether you should be thinking about investing at all. For some people, "keeping their head above water" could mean having a small emergency fund but no long-term investments. For others, it could mean no sav...
by Mark13
Wed Oct 17, 2012 9:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing After My Lawsuit - Really Lost!!!!
Replies: 29
Views: 3278

Re: Buying a Condo/Townhouse in DC (and lost!)

I live in the DC area and second (third?) the advice to rent if you're only going to be there a couple years. The only way that buying is viable is if you are sure you'll be coming back later, you're sure you won't need more space when you do (e.g. spouse), and you're sure you can find reliable rent...
by Mark13
Mon Oct 15, 2012 9:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying a Condo/Townhouse in DC (and lost!)
Replies: 23
Views: 2428

Re: I finally peeked at part of my account

A coworker of mine who is generally in tune with politics and current events recently referred to the poor returns of the market in recent years. When I showed him the actual market data he almost couldn't believe it. I guess it depends on what you term as recent. I started investing over 30 years ...
by Mark13
Fri Oct 12, 2012 9:21 am
 
Forum: Personal Finance (Not Investing)
Topic: I finally peeked at part of my account
Replies: 33
Views: 2959

Re: I finally peeked at part of my account

A coworker of mine who is generally in tune with politics and current events recently referred to the poor returns of the market in recent years. When I showed him the actual market data he almost couldn't believe it. I guess it depends on what you term as recent. I started investing over 30 years ...
by Mark13
Fri Oct 12, 2012 9:09 am
 
Forum: Personal Finance (Not Investing)
Topic: I finally peeked at part of my account
Replies: 33
Views: 2959

Re: I finally peeked at part of my account

A coworker of mine who is generally in tune with politics and current events recently referred to the poor returns of the market in recent years. When I showed him the actual market data he almost couldn't believe it.
by Mark13
Fri Oct 12, 2012 9:01 am
 
Forum: Personal Finance (Not Investing)
Topic: I finally peeked at part of my account
Replies: 33
Views: 2959

Re: Financial Advisors add 1.8% 'value'

A good advisor could add enormous value by helping prevent someone from selling during panics, buying during runups, chasing performance, etc. The trouble is finding a good advisor (preferably fee-based as mentioned above). Unfortunately, the people who need this help the most are probably the ones ...
by Mark13
Fri Sep 28, 2012 10:58 am
 
Forum: Investing - Theory, News & General
Topic: Financial Advisors add 1.8% 'value'
Replies: 32
Views: 2275

Re: Best way to stay connected while traveling overseas?

My wife and I have iPhones (through Verizon). When traveling in Europe recently for a conference, I would put my phone in airplane mode then enable the wifi. With free wifi at my hotel and at the conference, I could make free video calls home using the FaceTime app.
by Mark13
Wed Sep 19, 2012 2:01 pm
 
Forum: Personal Consumer Issues
Topic: Best way to stay connected while traveling overseas?
Replies: 10
Views: 911

Re: Active vs Index

Unless you have superior manager-selection skills, that would be the idea.
by Mark13
Thu Sep 13, 2012 2:49 pm
 
Forum: Investing - Theory, News & General
Topic: Active vs Index
Replies: 26
Views: 1638

Re: Active vs Index

I was going to say that I've heard this from Vanguard before, but then I noticed that the article is from May 2011, so I probably read it over a year ago. Although I have no evidence for this supposition, I imagine that the good folks at Vanguard know in their heart of hearts that index-based invest...
by Mark13
Thu Sep 13, 2012 8:51 am
 
Forum: Investing - Theory, News & General
Topic: Active vs Index
Replies: 26
Views: 1638

Re: Help with my cash and investments ~ Please =)

Congratulations on doing all that traveling. Lots of people wish they had the guts to pack up and go see the world. The first thing I would do is figure out how much of your money you need to keep in cash for near-term needs versus how much you want to invest for the long haul. In other words, how m...
by Mark13
Fri Sep 07, 2012 3:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with my cash and investments ~ Please =)
Replies: 11
Views: 779

Re: What is your rebalancing policy?

I rebalance twice a year, on my birthday and 6 months after, which happens to be spring and fall. I don't do trigger rebalancing because I'd rather be spending time living my life rather than tracking my investments. I'm afraid that tracking my investments weekly or monthly (or maybe even daily when...
by Mark13
Fri Sep 07, 2012 12:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is your rebalancing policy?
Replies: 56
Views: 5319

Re: 21 ways rich people think

From the book description on Amazon.com: "The strategy is simple: learn how rich people think, copy them, take action and get rich." I'm amazed people take these sorts of books seriously. If you ever find yourself starting to be seduced by this sort of thinking, please go read Black Swan f...
by Mark13
Fri Sep 07, 2012 9:40 am
 
Forum: Personal Finance (Not Investing)
Topic: 21 ways rich people think
Replies: 84
Views: 8729

Re: thoughts on the 50-30-20 budget?

So if you make 200K you *need* 4 times as much as someone making 50K? I don't understand how you can define need as a percentage of income.
by Mark13
Thu Apr 12, 2012 11:53 am
 
Forum: Personal Finance (Not Investing)
Topic: thoughts on the 50-30-20 budget?
Replies: 19
Views: 2655

Re: Additions to Core Four

Also junk bonds, which aren't in total bond market index. But I would quit while ahead.
by Mark13
Thu Mar 08, 2012 4:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Additions to Core Four
Replies: 6
Views: 761

Re: Dating and Personal Finances... How important to you?

I would recommend the book "Smart Couples Finish Rich". The saving and investment advice is rather entry-level, but the book does a good job of showing how conflicts over money ultimately stem from personality and values conflicts. It can help you figure out your level of compatibility wit...
by Mark13
Thu Mar 08, 2012 3:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dating and Personal Finances... How important to you?
Replies: 57
Views: 3258

Here's another option to kill some time: http://www.csmonitor.com/World/Middle-East/2011/0901/American-college-kid-joins-Libya-rebels-for-vacation

It would look pretty interesting on a resume.
by Mark13
Fri Sep 02, 2011 10:45 am
 
Forum: Personal Consumer Issues
Topic: College grads waiting out the job market
Replies: 69
Views: 7563

CaliJim, Thanks for the info. After reading the thread you linked, I looked for "ticker describe" in the Firefox add-ons repository and in the Chrome web store and couldn't find it. I couldn't tell from the thread whether it actually works in Chrome. I was curious to see another implementa...
by Mark13
Mon Aug 22, 2011 3:36 pm
 
Forum: Personal Consumer Issues
Topic: Chrome browser extension: mutual fund symbols
Replies: 8
Views: 1584

Don't rule out skiing. My wife and I have taken our toddler twice to this very family-friendly resort in Montana: http://skiwhitefish.com. They have an excellent daycare facility.
by Mark13
Mon Aug 22, 2011 2:38 pm
 
Forum: Personal Consumer Issues
Topic: Ideas for vacation [with 1-year old]
Replies: 67
Views: 6089

I've updated my browser extension so that it now displays the fund family and category in addition to the name. You can see what it looks like and download it from here: https://chrome.google.com/webstore/detail/oaioococfgnikdjhcjkoiealnikffcgg?hl=en-US If you've already installed the extension, it ...
by Mark13
Mon Aug 22, 2011 2:30 pm
 
Forum: Personal Consumer Issues
Topic: Chrome browser extension: mutual fund symbols
Replies: 8
Views: 1584

Cloud Atlas by David Mitchell. Wonderful book.
by Mark13
Mon Aug 22, 2011 10:24 am
 
Forum: Personal Consumer Issues
Topic: What Book Are YOU Currently Reading? Part IV. (07/04/2010)
Replies: 1507
Views: 345740

Thanks, everyone, for all the thoughtful answers. This forum is great.
by Mark13
Mon Aug 22, 2011 8:39 am
 
Forum: Investing - Theory, News & General
Topic: Why are market declines referred to as "sell-offs"
Replies: 18
Views: 2400

Why are market declines referred to as "sell-offs"

Since the sale of something by definition requires a buyer, why are market declines referred to as "sell-offs"? Couldn't they just as well be called "buy-offs"? I'm not being obtuse or snarky. I'm genuinely curious about the rationale behind this common usage.
by Mark13
Thu Aug 18, 2011 12:33 pm
 
Forum: Investing - Theory, News & General
Topic: Why are market declines referred to as "sell-offs"
Replies: 18
Views: 2400

Thanks for the feedback. I increased the fade-out delay a little to make it easier to move the cursor over the link.
by Mark13
Mon Aug 08, 2011 10:52 am
 
Forum: Personal Consumer Issues
Topic: Chrome browser extension: mutual fund symbols
Replies: 8
Views: 1584

Chrome browser extension: mutual fund symbols

Hi all, I'm a long-time reader and admirer of the forum. This is my first post. I wrote a simple extension for the Chrome browser. It puts dotted lines below mutual fund symbols, and if you hover your mouse over one, a tooltip appears with the full name of the fund and a link to the fund's Morningst...
by Mark13
Fri Aug 05, 2011 9:36 pm
 
Forum: Personal Consumer Issues
Topic: Chrome browser extension: mutual fund symbols
Replies: 8
Views: 1584

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