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Re: Bogleheads Stance on Home Buying

Mingus wrote:
Professor Emeritus wrote:
A house you live in is ALWAYS an investment. It may be a good or bad investment but it's an investment


Some houses precipitate an investment in lots of tools, time, and labor.

Then perhaps it was a bad investment. However, it was still an investment.
by MindBogler
Tue Mar 18, 2014 3:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bogleheads Stance on Home Buying
Replies: 61
Views: 4572

Re: Bogleheads Stance on Home Buying

Once you establish that, you can then get into whether it's a "good" investment or a "bad" investment. Personally, I agree with those who draw parallels to expenses for mutual funds. It usually requires a "commission" to purchase (title insurance & other stuff, loa...
by MindBogler
Tue Mar 18, 2014 3:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bogleheads Stance on Home Buying
Replies: 61
Views: 4572

Re: Bogleheads Stance on Home Buying

I am one who holds that a house is not an investment. Even if it is, it is too speculative to include in planning . I.e. I would do the planning as if we planned to live in the house indefinitely, and not take any guesses about resale value into account.. This is the kind of statement I honestly fi...
by MindBogler
Mon Mar 17, 2014 5:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bogleheads Stance on Home Buying
Replies: 61
Views: 4572

Re: The dealership wants my 2 year old car back?

They want you to trade in your Prius so that they can sell you another car. I can guarantee you there won't be anything free about it!

:sharebeer
by MindBogler
Thu Mar 06, 2014 4:22 pm
 
Forum: Personal Consumer Issues
Topic: The dealership wants my 2 year old car back?
Replies: 46
Views: 4271

Re: stayed out of the market, what to do now?

ERMD wrote:get back in the market and stay there for the next 30 years.

They say there is no time like the present...
by MindBogler
Tue Mar 04, 2014 9:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: stayed out of the market, what to do now?
Replies: 64
Views: 7364

Re: Planning first trip to Oregon and Seattle - advice sough

You can't go to Portland without staying 1 night at McMenamins Edgefield IMO. They brew beer, ferment wine and distill spirits right there on site. And you can taste all of the above. Very interesting place with great food, drinks and a hotel on site for when you have to much of the previous two. It...
by MindBogler
Tue Mar 04, 2014 9:28 pm
 
Forum: Personal Consumer Issues
Topic: Planning first trip to Oregon and Seattle - advice sought!
Replies: 40
Views: 1691

Re: "150 Portfolios Better Than Yours"

Note that I'm talking about TSM weighting for domestic stocks, I probably didn't make that clear enough in my original post. Obviously we might underweight foreign stocks, and low risk bonds won't benefit from diversification. But these are separate concepts. Why might we "obviously...underwei...
by MindBogler
Fri Jan 24, 2014 10:10 pm
 
Forum: Investing - Theory, News & General
Topic: "150 Portfolios Better Than Yours"
Replies: 52
Views: 4424

Re: Mortgage payoff sent to wrong account

The conversation with Wells Fargo would have been recorded. In the event that the recipient believes this is a fortuitous windfall, and spends it , Wells Fargo will be on the hook for it.
by MindBogler
Wed Jan 22, 2014 3:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage payoff sent to wrong account
Replies: 25
Views: 2071

Re: Help me understand why tax-advantaged is a lot better

Run your analysis over a period of 30 years (or 40, whatever you'd like). Just make the analysis over a longer period. And then for a cherry on top assume that you have a 25% marginal rate during accumulation and a 15% rate in retirement.
by MindBogler
Wed Jan 15, 2014 10:37 pm
 
Forum: Investing - Theory, News & General
Topic: Help me understand why tax-advantaged is a lot better
Replies: 63
Views: 5040

Re: "What Five Days of Trading Tell Us About 2014"

sschullo wrote:My 365-day "rule" is never read predictions.

So what happens on a leap year? :D
by MindBogler
Wed Jan 15, 2014 12:30 pm
 
Forum: Investing - Theory, News & General
Topic: "What Five Days of Trading Tell Us About 2014"
Replies: 18
Views: 1767

Re: "Gold to tank in 2014: Goldman Sachs"

Their crystal ball was working as intended during the run up to 2008. I'd trust them again.

:sharebeer
by MindBogler
Tue Jan 14, 2014 12:30 pm
 
Forum: Investing - Theory, News & General
Topic: "Gold to tank in 2014: Goldman Sachs"
Replies: 94
Views: 6820

Re: Microsoft Office 2013 problems

Office 2013 is sort of unique in that it can co-exist with Office 2007 and 2010 (haven't tested earlier versions) so an uninstall of these previous versions isn't necessary. It sounds like something went wrong with your 2013 install. Reinstall and everything should be OK.
by MindBogler
Sat Jan 11, 2014 5:46 pm
 
Forum: Personal Consumer Issues
Topic: Microsoft Office 2013 problems
Replies: 10
Views: 612

Re: Trouble trusting US healthcare

This is exactly how I approach it now - everything must be questioned. I do not have the training a physician does but I can question them and force them to think about it rather than making a decision that is good enough. I've repeatedly asked physicians not to be subject to unnecessary chest x-ra...
by MindBogler
Fri Jan 10, 2014 2:35 pm
 
Forum: Personal Consumer Issues
Topic: Trouble trusting US healthcare
Replies: 70
Views: 3262

Re: Given High PE10, How about this AA?

My equities are allocated almost exactly in this manner with a 75/25 equity/FI split. I don't think it is out of line all. Emerging market valuations are quite low and tilting to them isn't any crazier than being overweight in SCV all else being equal. They are both taking on more potential equity r...
by MindBogler
Fri Jan 10, 2014 1:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Given High PE10, How about this AA?
Replies: 13
Views: 623

Re: Financial Threat?

Get your credit report by following the link on this page:

http://www.consumer.ftc.gov/articles/01 ... it-reports
by MindBogler
Thu Jan 09, 2014 10:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financial Threat?
Replies: 10
Views: 2231

Re: Mortgage Question

You had a short sale and then you bought another house? $4000 per year for PMI is crazy. PMI is usually waived when you have 20% equity not 80%. I thought PMI was at least deductible. I would sell the house and rent. FHA MIP may be removed when the home reaches 78% LTV which means you have 22% equi...
by MindBogler
Thu Jan 09, 2014 1:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Mortgage Question
Replies: 3
Views: 391

Re: How much should a good dentist make yearly?

I'm absolutely speechless. You should be thankful that your wife has a stable career she enjoys which, barring physical illness or injury, will likely never leave her out in the cold.
by MindBogler
Thu Jan 09, 2014 12:53 am
 
Forum: Personal Consumer Issues
Topic: How much should a good dentist make yearly?
Replies: 78
Views: 15250

Re: Am I blowing an opportunity? [To buy a home]

I tend to advocate buying but in the case of military personnel I have to pause (I am former military fwiw). There is significant friction in home sales due to closing costs, commission, sales contingencies, etc. and I don't think that 3 years is enough to recoup those costs consistently. I also don...
by MindBogler
Tue Jan 07, 2014 10:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I blowing an opportunity? [To buy a home]
Replies: 11
Views: 1747

Re: Is there a 2013 asset class chart?

The Callan table doesn't appear to be updated for 2013 yet. When it is, you'll be able to find it here:

http://www.callan.com/research/periodic/
by MindBogler
Tue Jan 07, 2014 10:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is there a 2013 asset class chart?
Replies: 12
Views: 1041

Re: How safe is my investment in a Leverage ETF?

Leveraged ETFs and moving average market timing. For when the risk of 100% equities just isn't enough...

:sharebeer
by MindBogler
Tue Jan 07, 2014 12:47 am
 
Forum: Investing - Help with Personal Investments
Topic: How safe is my investment in a Leverage ETF?
Replies: 17
Views: 930

Re: Dogs of the Dow instead of S&P 500?

I don't think there is anything wrong with going overweight a bit on asset classes with attractive valuations. That is hardly a sector bet, I consider it a strategy when there is a commitment to buy and hold asset classes that are out of favor. I am overweight EM and international because I believe ...
by MindBogler
Tue Jan 07, 2014 12:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Dogs of the Dow instead of S&P 500?
Replies: 27
Views: 2202

Re: Why Include Bonds in a Portfolio?

I think people forget when you are young you don't really have anything to lose. You are pumping in so much new money a huge crash ends up being a blessing later. Morningstar, T. Rowe Price, and Vanguard put's 90+% in equity in their glide path until about 40. Currently bond outlooks are bleak. You...
by MindBogler
Mon Jan 06, 2014 11:00 pm
 
Forum: Investing - Theory, News & General
Topic: Why Include Bonds in a Portfolio?
Replies: 74
Views: 3840

Re: Net Worth Survey, 2014 Edition

If we were supposed to do all that calculatin' I had no idea, and I can't imagine there's any consistency in the answers. I did what I assumed was the only reasonable thing to expect, which was paste in what my SS report says I'll get when I reach age 70 (the age I intend to start taking SS). If ma...
by MindBogler
Mon Jan 06, 2014 7:36 pm
 
Forum: Investing - Theory, News & General
Topic: Net Worth Survey, 2014 Edition
Replies: 141
Views: 17020

Re: King sized mattress recommendation?

I also sleep hot and we went with a latex foam mattress and we both love it. Our's is the rare two sided mattress, so can be flipped over. Ours is also all latex, some are a few inches of latex over cheaper foam. To some extent a hump in the middle, due to body impressions, is normal. Of course the...
by MindBogler
Mon Jan 06, 2014 6:49 pm
 
Forum: Personal Consumer Issues
Topic: King sized mattress recommendation?
Replies: 47
Views: 4048

Re: Taking that leap from mattress to markets

I think most posters here would recommend diversifying out of the company stock asap. You have 9% of your assets in a single stock. If it is taxable, now is the best time to change it over while you have no W2 income. I suggest to start by choosing a reasonable asset allocation for your age, like 60...
by MindBogler
Mon Jan 06, 2014 6:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taking that leap from mattress to markets
Replies: 12
Views: 1392

Re: What is Coke stock beta?

Unfortunately, you're mistaken: my example is correct. Beta is the slope of a (least-squares, best fit) regression line: the horizontal axis represents the market return; the vertical axis represents the security's return. When the market's return changes from 2% to 3%, that's a 1% change; the abso...
by MindBogler
Mon Jan 06, 2014 4:47 pm
 
Forum: Investing - Theory, News & General
Topic: What is Coke stock beta?
Replies: 8
Views: 684

Re: What is Coke stock beta?

That's not what it indicates: you're talking about prices; beta talks about returns. A beta of 0.25 indicates that when the index's return rose by 1%, Coke's return rose by ¼%. But if the market's return changed from +2% to +3% (an increase of 1%), the market rose, while if Coke's return changed fr...
by MindBogler
Mon Jan 06, 2014 4:09 pm
 
Forum: Investing - Theory, News & General
Topic: What is Coke stock beta?
Replies: 8
Views: 684

Re: What is Coke stock beta?

A positive beta means the stock, on average, moved in the same direction as the market index. A beta of .25 indicates that when the index gained 1 point, Coke gained .25 on average. Conversely, when the index lost 1 point, Coke lost 1/4. You are correct that this is a measure of past volatility and ...
by MindBogler
Mon Jan 06, 2014 2:04 pm
 
Forum: Investing - Theory, News & General
Topic: What is Coke stock beta?
Replies: 8
Views: 684

Re: Net Worth Survey, 2014 Edition

I have to admit I don't understand how others are getting such high SS benefits. I have been working and contributing to SS and maxed out at the highest level for most of those years. My SS calculator only comes up with about $2300 yet others achieve $5000+/month. How is that? Marriage or other co-...
by MindBogler
Mon Jan 06, 2014 2:04 pm
 
Forum: Investing - Theory, News & General
Topic: Net Worth Survey, 2014 Edition
Replies: 141
Views: 17020

Re: Net Worth Survey, 2014 Edition

That Social Security monthly benefit has to be in today's dollars or the formula/field isn't correct. It has a maximum value of 7000 which our family would exceed in retirement dollars.
by MindBogler
Mon Jan 06, 2014 1:48 pm
 
Forum: Investing - Theory, News & General
Topic: Net Worth Survey, 2014 Edition
Replies: 141
Views: 17020

Re: 3 year expense rule

It wasn't meant to be insulting... From one relatively anonymous person on the Internet to another, I'm just asking if you can back up your bold statements with anything more persuasive than your anonymous opinion. You're not the only one making these claims. Just asking for something more substant...
by MindBogler
Sun Jan 05, 2014 2:14 am
 
Forum: Investing - Theory, News & General
Topic: 3 year expense rule
Replies: 28
Views: 2309

Re: 3 year expense rule

...These kinds of statements, like the sudden increasing preoccupation with 100% stock portfolios, are omens; they tend to happen when people are getting greedy, the market is overvalued and we're headed towards another crash.... Do you have any kind of data other than your personal feelings that s...
by MindBogler
Sun Jan 05, 2014 12:38 am
 
Forum: Investing - Theory, News & General
Topic: 3 year expense rule
Replies: 28
Views: 2309

Re: 3 year expense rule

I think the Great Depression should not count because it involved the total collapse of the financial system which I think has a very small probability of happening again. Based upon my reading of the times, there were alot of banks shutting down and people losing there savings on a permanent basis...
by MindBogler
Sat Jan 04, 2014 11:47 pm
 
Forum: Investing - Theory, News & General
Topic: 3 year expense rule
Replies: 28
Views: 2309

Re: Sector investing

When I first started investing, I was 100% stocks in the tech sector in 1998 on the "advice" of an adviser. I lost 80% of that money and the fund was subsequently closed so my answer would be c) none of the above.
by MindBogler
Fri Jan 03, 2014 9:51 pm
 
Forum: Investing - Theory, News & General
Topic: Sector investing
Replies: 7
Views: 348

Re: Critique of an actively managed fund

One of the funds top 5 holdings is a long position in US treasuries. It looks like that position has worked out well so far but I shouldn't have to explain the risk involved. If you want to compare returns, look at Wellington which has a similar return profile with substantially less risk. How are ...
by MindBogler
Fri Jan 03, 2014 9:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Critique of an actively managed fund
Replies: 17
Views: 1038

Re: To payoff mortgage or not

True... and I didn't meant to totally minimize the mortgage interest deduction. I, like the OP, don't quite meet the standard deduction with the interest I pay on my primary mortgage. I do still itemize, because like you say, once I add property tax, sales tax, and all I do still get over teh stand...
by MindBogler
Fri Jan 03, 2014 9:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: To payoff mortgage or not
Replies: 59
Views: 2798

Re: To payoff mortgage or not

Point taken. Just looked at my interest paid in 2013, and it was $8500. Assuming you file married and jointly, your interest paid per year does not even get to the standard deduction. If you itemize, you guys may still get over the standard deduction. But, many will say you only get the "tax b...
by MindBogler
Fri Jan 03, 2014 8:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: To payoff mortgage or not
Replies: 59
Views: 2798

Re: Critique of an actively managed fund

One of the funds top 5 holdings is a long position in US treasuries. It looks like that position has worked out well so far but I shouldn't have to explain the risk involved. If you want to compare returns, look at Wellington which has a similar return profile with substantially less risk.
by MindBogler
Fri Jan 03, 2014 7:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Critique of an actively managed fund
Replies: 17
Views: 1038

Re: How much TIPS during accumulation phase?

Maybe I'm the anomaly but I think intermediate bonds are "safe enough" for the FI portion of a portfolio during accumulation. Equities will provide the real return in the long term (even if they fail to keep up with rapid inflation in the short term).

Just my .02 YMMV.
by MindBogler
Thu Jan 02, 2014 10:23 pm
 
Forum: Investing - Theory, News & General
Topic: How much TIPS during accumulation phase?
Replies: 74
Views: 4480

Re: RBD in emerging markets?

I believe it was down almost 3.6% briefly during the day. I think I purchased at -3.55%. It was a rebalance from bonds because my EM band was crossed.
by MindBogler
Thu Jan 02, 2014 10:16 pm
 
Forum: Investing - Theory, News & General
Topic: RBD in emerging markets?
Replies: 18
Views: 1455

Re: VWO seems cheap right now

I bought some at 39.68. :D
by MindBogler
Thu Jan 02, 2014 4:12 pm
 
Forum: Investing - Theory, News & General
Topic: VWO seems cheap right now
Replies: 125
Views: 13157

Re: Pull-ups and Push-ups

I concur, as the links I mentioned above are for "basic" training. Other specialties are on that website, like Army Ranger PFT . The army ranger certification does seem more intense, I would dislike hiking 16 miles with a 65 pound vest. The rest of their criteria still seems weak to me bu...
by MindBogler
Mon Dec 30, 2013 3:06 pm
 
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 260
Views: 23867

Re: Hedge fund titan to pocket $3B for 2013

http://nypost.com/2013/12/29/hedge-fund-titan-to-pocket-3b-for-2013/ The important phrase here is: "Tepper’s Palomino fund was up 38 percent, after fees , as of Nov. 30, according to an investor, making the 56-year-old one of the few in his business to post a return higher than the 29.1 percen...
by MindBogler
Mon Dec 30, 2013 12:47 pm
 
Forum: Investing - Theory, News & General
Topic: Hedge fund titan to pocket $3B for 2013
Replies: 16
Views: 1205

Re: Best investment for money I will want in five years?

Jfet wrote:Because I could sell short 10 year treasuries at 3% and use the money to buy the shorter term CDs at 3+% (if the transaction costs were not excessive).

Let us know how that works out!
by MindBogler
Sun Dec 29, 2013 3:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best investment for money I will want in five years?
Replies: 19
Views: 1721

Re: Thoughts on mortgage as a negative bond

my rent versus buy decision was easy because my mortgage payment is lower or equal to rent. [...] I do not think about my mortgage at all because I consider it as housing cost since rent = mortgage payment. This appears to be a common misconception. You should never be comparing mortgage and rent. ...
by MindBogler
Sun Dec 29, 2013 3:09 pm
 
Forum: Investing - Theory, News & General
Topic: Thoughts on mortgage as a negative bond
Replies: 53
Views: 3565

Re: Preemptive water heater replacement: worth it?

We replaced one this year that was almost 16 years old, I forget the brand but it came installed when the house was built. It actually didn't fail catastrophically, it was just not heating like it used to. Knock on wood, but that is the only appliance that has been replaced in this house and we don'...
by MindBogler
Sat Dec 28, 2013 9:10 pm
 
Forum: Personal Consumer Issues
Topic: Preemptive water heater replacement: worth it?
Replies: 59
Views: 3558

Re: Why Do New Operating Systems So Often Disappoint?

Why not give users a 'Browse Programs' button on the Search for those who want to use the mouse and/or don't know exactly what they are searching for? Oh, but there is a button that does exactly that... Time and again the people who complain the loudest seem to be the ones who have little to no fir...
by MindBogler
Sat Dec 28, 2013 4:19 pm
 
Forum: Personal Consumer Issues
Topic: Why Do New Operating Systems So Often Disappoint?
Replies: 96
Views: 6736

Re: Why Do New Operating Systems So Often Disappoint?

Anyway, searching is fine. Any computer system should offer top-notch searching. HOWEVER it should NOT dictate to the user that he MUST use searching to access whatever. This is the trap. You find yourself telling the user that he must use method x when he really doesn't want to. Maybe his eyesight...
by MindBogler
Sat Dec 28, 2013 2:53 pm
 
Forum: Personal Consumer Issues
Topic: Why Do New Operating Systems So Often Disappoint?
Replies: 96
Views: 6736

Re: SP500 Sigma Events

I read the whole thread and I didn't miss anything. You seem to be claiming that if there is a RBD in Emerging Markets that all other asset classes will also have one. Why wouldn't you take some out of bonds and place it into EM? How about if EAFE is up 1% and EM is down 3%? Or how about harvesting ...
by MindBogler
Sat Dec 28, 2013 1:05 pm
 
Forum: Investing - Theory, News & General
Topic: SP500 Sigma Events
Replies: 101
Views: 3590

Re: Just returned new laptop with Window 8.1

Windows 8 is a complete POS. Try to handle picture files on an attached flash drive. Piece of cake in 7 POS in 8 I had my windows 8 laptop stolen and it felt so goooood.. The problem is that, by default, the Photos app opens pictures. That makes sense on a phone or tablet but, if you're in a more t...
by MindBogler
Sat Dec 28, 2013 1:00 pm
 
Forum: Personal Consumer Issues
Topic: Just returned new laptop with Window 8.1
Replies: 104
Views: 7806
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