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Re: 30% In International Stocks?

I split my stocks 50/50 US and International. It is close to cap weighted but I don't think it really matters in the end. Country risk is the best argument to hold international stocks in such proportions, with Japan as exhibit A. As a side benefit, it is very easy to maintain.
by MindBogler
Sun Nov 23, 2014 4:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: 30% In International Stocks?
Replies: 59
Views: 5688

Re: GAO Concerned your IRA may be too big!

Because he started in 1750 and the investor had over 200 years? I'm guessing that's a typo and he started in 1950. Let's also set aside that someone who was 20 in 1950 is 81 in 2011 and for some reason still not retired despite a theoretical $5M IRA. According to Wikipedia and other sources, IRAs d...
by MindBogler
Fri Nov 21, 2014 3:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: GAO Concerned your IRA may be too big!
Replies: 25
Views: 2764

Re: GAO Concerned your IRA may be too big!

Hold the press, I better get my eyes re-examined. I'm off by an order of magnitude: decimals don't equal commas...
by MindBogler
Fri Nov 21, 2014 2:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: GAO Concerned your IRA may be too big!
Replies: 25
Views: 2764

Re: GAO Concerned your IRA may be too big!

There is too much snarky political comments and opinion in this thread, if that is all you have to add then don't bother. Now, I checked the dubious claim that: Large individual and employer contributions sustained over decades and rolled over from an employer plan would be necessary to accumulate a...
by MindBogler
Fri Nov 21, 2014 1:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: GAO Concerned your IRA may be too big!
Replies: 25
Views: 2764

Re: Waitress giving me discount - ethical question

I wouldn't worry about it at all. Unless this is a perm and paper establishment, the house knows about it. On another note, I always give at least a 20 dollar tip per person for home deliveries. Think about it, you're letting a stranger into your home who can case the whole joint. Is rather they lea...
by MindBogler
Sat Nov 15, 2014 7:43 pm
 
Forum: Personal Consumer Issues
Topic: Waitress giving me discount - ethical question
Replies: 62
Views: 6650

Re: Father of eight hasn’t saved a penny for college

I paid for my own college. It builds character.
by MindBogler
Fri Nov 14, 2014 9:52 am
 
Forum: Personal Consumer Issues
Topic: Father of eight hasn’t saved a penny for college
Replies: 47
Views: 2703

Re: TWO home internet connections with two ISPs

DSL is carried on the phone line and Comcast is cable so they will not interfere with one another. You're not going to be able to load share or balance the connections. Set each up with a separate wireless network and swap back and forth as needed. Comcast is hit or miss and I think it just depends ...
by MindBogler
Wed Nov 12, 2014 9:48 am
 
Forum: Personal Consumer Issues
Topic: TWO home internet connections with two ISPs
Replies: 19
Views: 1142

Re: Trying to add Vanguard index funds to government 457b pl

They didn't charge any extra for the Vanguard funds but the majority of the active funds had an additional amount for Mass Mutual, often around .2%. There were only 2, maybe 3 Vanguard choices (500 index and SC index for sure).
by MindBogler
Tue Nov 04, 2014 11:48 am
 
Forum: Investing - Theory, News & General
Topic: Trying to add Vanguard index funds to government 457b plan.
Replies: 11
Views: 872

Re: Trying to add Vanguard index funds to government 457b pl

For what it is worth, I have at one time or another been covered by a Mass Mutual 457b that contained several Vanguard index funds at the institutional ER%.
by MindBogler
Tue Nov 04, 2014 11:38 am
 
Forum: Investing - Theory, News & General
Topic: Trying to add Vanguard index funds to government 457b plan.
Replies: 11
Views: 872

Re: A Backtest of the Dividend Growth Model, 1871-2010

TJSI you need to go back and review your notes from algebra and calculus. The Gordon model incorporates dividend yield and you can determine that by looking up its derivation: One of the terms: dividend yield = earnings yield * dividend payout ratio = (EPS / Price per share) * (Dividends / net incom...
by MindBogler
Wed Oct 29, 2014 9:39 pm
 
Forum: Investing - Theory, News & General
Topic: A Backtest of the Dividend Growth Model, 1871-2010
Replies: 70
Views: 4459

Re: Marginal Tax Rate on Dual Income Couple

I think the distinction between these two lines of thought falls under the "agree to disagree" column. They're both valid ways of observing the same painting. The glass is half full and empty at the same time.
by MindBogler
Fri Oct 24, 2014 6:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Marginal Tax Rate on Dual Income Couple
Replies: 13
Views: 1203

Re: Which 4 door with 250+ hp

The g35x or the newer g37s are a safe bet. I've had one for 8 years that I purchased 1 year old/slightly used and haven't had a single mechanical problem. Sure I've changed brakes and changed fluids but nothing unexpected has cropped up. It's comfortable and probably too fast but it is very surefoot...
by MindBogler
Sat Aug 09, 2014 11:48 am
 
Forum: Personal Consumer Issues
Topic: Which 4 door with 250+ hp
Replies: 104
Views: 8479

Re: Is 30% SCV/ 70% Bonds really a good idea?

I'm still looking for the answer to the question.
by MindBogler
Wed Aug 06, 2014 1:24 pm
 
Forum: Investing - Theory, News & General
Topic: Is 30% SCV/ 70% Bonds really a good idea?
Replies: 21
Views: 1875

Re: Can we afford a home (little more than $500K)

And estimate how much the interest and property taxes will reduce your taxable earnings each year. If your rent is $1600/mo and the PIT mortgage is $2700 the paper difference is $1100/mo. First month: PI = 1906.66/mo I = 1333/mo So at $2700/mo your property taxes are 2700-1906 = $794/mo You will be ...
by MindBogler
Thu Jul 31, 2014 9:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Can we afford a home (little more than $500K)
Replies: 28
Views: 4459

Re: Stocks: losing money for 20-30 years not uncommon

Obvious answer: don't invest in a single country's stock -- diversify globally.
by MindBogler
Tue Jul 29, 2014 6:40 pm
 
Forum: Investing - Theory, News & General
Topic: Stocks: losing money for 20-30 years not uncommon
Replies: 43
Views: 4448

Re: SEC Adopts Money Market Fund Reform Rules

So they're going to let the NAV float and providing a mechanism to trap people who are invested there. Sounds fun!
by MindBogler
Wed Jul 23, 2014 2:23 pm
 
Forum: Investing - Theory, News & General
Topic: SEC Adopts Money Market Fund Reform Rules
Replies: 52
Views: 3190

Re: Is Market on "Wrong Side of History"?

Browser wrote:It's hard to figure out which side of history is "wrong". Is it a moral issue?

Best quote of the day, I think. This subject of the OP is a meaningless expression, nothing more than a rhetorical hammer used to abuse those with opposing viewpoints.
by MindBogler
Fri Jul 11, 2014 9:30 am
 
Forum: Investing - Theory, News & General
Topic: Is Market on "Wrong Side of History"?
Replies: 22
Views: 2771

Re: burning 1 lb is how many calories?

The 1st Law of Thermodynamics is quite clear. No personal variables change this simple mathematical proof.

/thread
by MindBogler
Tue Jul 01, 2014 1:24 pm
 
Forum: Personal Consumer Issues
Topic: burning 1 lb is how many calories?
Replies: 69
Views: 6093

Re: What is the risk of having too much house

At first glance that seems like a lot of house. Out of curiosity, have you calculated what your cash flow looks like by including mortgage interest and property tax deductions? On a $7500/mo mortgage, this will be substantial. I didnt calculate the mortgage interest and property tax deductions, the...
by MindBogler
Wed Jun 25, 2014 6:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is the risk of having too much house
Replies: 51
Views: 4608

Re: What is the risk of having too much house

At first glance that seems like a lot of house. Out of curiosity, have you calculated what your cash flow looks like by including mortgage interest and property tax deductions? On a $7500/mo mortgage, this will be substantial.
by MindBogler
Wed Jun 25, 2014 2:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is the risk of having too much house
Replies: 51
Views: 4608

Re: Help devising winning roulette system

The only way to consistently win at roulette is not to play. If you accept that it is a losing proposition and for entertainment only, then go ahead and bet a few spins. I like going to the casino for fun. Blackjack and the poker room are the only places where the odds can be remotely in your favor.
by MindBogler
Tue Jun 24, 2014 9:12 am
 
Forum: Personal Consumer Issues
Topic: Help devising winning roulette system
Replies: 72
Views: 3450

Re: investing international, why & how much

I'm split 50/50 us/int because its close to actual market capitalization and its just simple to keep track of IMO. My international is also split 50/50 EAFE/EM for the same reason. The US is split 50/50 between S&P500 and Small Cap. The enemy of a good plan is a perfect one, as the saying goes. ...
by MindBogler
Wed Jun 11, 2014 9:52 pm
 
Forum: Investing - Theory, News & General
Topic: investing international, why & how much
Replies: 51
Views: 4729

Re: Counterfit Bitcoins

How does a researcher (mis)using an NSF supercomputer to mine bitcoins have anything to do with counterfeiting?
by MindBogler
Fri Jun 06, 2014 1:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Counterfit Bitcoins
Replies: 4
Views: 381

Re: Bad credit, to average income, to $200k a year...

I'd argue at that income that one should max tax deferred before Roth. Aside from that I agree with other posters, mainly that if you are prone to making irrational decisions the best plan for you is one of simplicity. Just pick a one size all fund or 3-4 funds that you will rebalance at some regula...
by MindBogler
Tue May 27, 2014 5:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bad credit, to average income, to $200k a year...
Replies: 16
Views: 1843

Re: 2600 days of every dollar tracked

The OP has been very forthcoming with spending habits. I find his willingness to share results of this personal experiment and the condescending nature of some of our members both to be quite enlightening. No where in the OP did I see a request to fix his budget or cast judgement on life choices. Un...
by MindBogler
Mon May 19, 2014 12:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: 2600 days of every dollar tracked
Replies: 68
Views: 6193

Re: 80/20 stocks/gold portfolio

hiddensee wrote:Governments can plummet and stay down forever.

Well said.
by MindBogler
Fri May 02, 2014 9:07 am
 
Forum: Investing - Help with Personal Investments
Topic: 80/20 stocks/gold portfolio
Replies: 32
Views: 2879

Re: "At Vanguard my voice is my password"

"Hi, my name is Werner Brandes. My voice is my passport. Verify Me."
by MindBogler
Fri Apr 18, 2014 4:56 pm
 
Forum: Personal Consumer Issues
Topic: "At Vanguard my voice is my password"
Replies: 24
Views: 2923

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 2:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bogleheads Stance on Home Buying
Replies: 61
Views: 5723

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 2:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bogleheads Stance on Home Buying
Replies: 61
Views: 5723

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 4:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bogleheads Stance on Home Buying
Replies: 61
Views: 5723

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 3:22 pm
 
Forum: Personal Consumer Issues
Topic: The dealership wants my 2 year old car back?
Replies: 46
Views: 6095

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 8:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: stayed out of the market, what to do now?
Replies: 64
Views: 8572

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 8:28 pm
 
Forum: Personal Consumer Issues
Topic: Planning first trip to Oregon and Seattle - advice sought!
Replies: 43
Views: 2668

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 9:10 pm
 
Forum: Investing - Theory, News & General
Topic: "150 Portfolios Better Than Yours"
Replies: 52
Views: 5429

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 2:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage payoff sent to wrong account
Replies: 25
Views: 2267

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 9:37 pm
 
Forum: Investing - Theory, News & General
Topic: Help me understand why tax-advantaged is a lot better
Replies: 63
Views: 5221

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 11:30 am
 
Forum: Investing - Theory, News & General
Topic: "What Five Days of Trading Tell Us About 2014"
Replies: 18
Views: 1796

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 11:30 am
 
Forum: Investing - Theory, News & General
Topic: "Gold to tank in 2014: Goldman Sachs"
Replies: 100
Views: 8452

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 4:46 pm
 
Forum: Personal Consumer Issues
Topic: Microsoft Office 2013 problems
Replies: 10
Views: 724

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 1:35 pm
 
Forum: Personal Consumer Issues
Topic: Trouble trusting US healthcare
Replies: 70
Views: 3418

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 12:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Given High PE10, How about this AA?
Replies: 13
Views: 690

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 9:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financial Threat?
Replies: 10
Views: 4102

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 12:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Mortgage Question
Replies: 3
Views: 397

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
Wed Jan 08, 2014 11:53 pm
 
Forum: Personal Consumer Issues
Topic: How much should a good dentist make yearly?
Replies: 78
Views: 16101

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 9:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I blowing an opportunity? [To buy a home]
Replies: 11
Views: 1778

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 9:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is there a 2013 asset class chart?
Replies: 12
Views: 1119

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
Mon Jan 06, 2014 11:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: How safe is my investment in a Leverage ETF?
Replies: 17
Views: 987

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
Mon Jan 06, 2014 11:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dogs of the Dow instead of S&P 500?
Replies: 27
Views: 2438

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 10:00 pm
 
Forum: Investing - Theory, News & General
Topic: Why Include Bonds in a Portfolio?
Replies: 74
Views: 4226
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