Search found 2277 matches

Return to advanced search

Re: Bogle on CNBC 12-16-2014: 100% USA squity

I prefer holding the current floating market cap between US and international. If you choose a fixed percentage, and say the US market cap grows for decades versus rest of world or rest of world grows for decades versus US, you will be always re-balancing away from what is the current US/internation...
by MnD
Wed Dec 17, 2014 9:08 am
 
Forum: Investing - Theory, News & General
Topic: Bogle on CNBC 12-16-2014: 100% USA squity
Replies: 35
Views: 3567

Re: Hawaii inter island flights and condos

95%+ of decent VRBO properties for christmas break were booked many months ago. Tourism is way up in Hawaii due to the strong economic recovery for higher income households. Maybe look for a cancellation. Any week of the year it's tough to find good homes or condos fairly priced unless you book mont...
by MnD
Tue Dec 16, 2014 8:41 am
 
Forum: Personal Consumer Issues
Topic: Hawaii inter island flights and condos
Replies: 7
Views: 950

Re: Help planning a Hawaii trip

I would go to Kauai and given that it's March and the kids are fairly young, stay on the southside. It could easily rain every day on the north shore. The kiahuna-plantation is excellent for kids if you are looking for a condo. That assumes they like the beach/ocean - the pool is across the road and...
by MnD
Mon Dec 15, 2014 9:16 am
 
Forum: Personal Consumer Issues
Topic: Help planning a Hawaii trip
Replies: 16
Views: 1576

Re: Bumped out of first class at boarding - compensation?

I found some exact matches doing flyertalk searches including tables of compensation provided for people bumped from first class on miles for a couple of major airlines. I tailored my compensation request based on those tables, to all miles refunded and a $1000 certificate per passenger for a 3000+ ...
by MnD
Sat Dec 13, 2014 3:40 pm
 
Forum: Personal Consumer Issues
Topic: Bumped out of first class at boarding - compensation?
Replies: 52
Views: 6316

Re: Very strange burglary

They usually just want the cash. A card or use of a card number is a trail from you to them. I had my wallet stolen at a gym and wallet dumped and recovered with just cash gone. Cops said do what you want, but chances are cards are OK - which was the case. Also criminals are often really dumb. My br...
by MnD
Sat Dec 13, 2014 12:43 am
 
Forum: Personal Consumer Issues
Topic: Very strange burglary
Replies: 41
Views: 4667

Re: Bumped out of first class at boarding - compensation?

It's a real mess with USAir merging with AA, especially because of the alliance issue. I'll echo what the others have said and pen a letter to US Airways customer service. Typically if they still get you there, they're not required to give you a voucher for another flight. They won't be able to giv...
by MnD
Fri Dec 12, 2014 11:52 pm
 
Forum: Personal Consumer Issues
Topic: Bumped out of first class at boarding - compensation?
Replies: 52
Views: 6316

Re: Bumped out of first class at boarding - compensation?

About what I expected despite US Airways checkin, boarding passes, equipment and flight ticket receipt. Now i expect United will claim US Airways was the one providing the flight and hence the lapse in customer service. I figure six months till resolution on this project....... Dear Mr. ---------- T...
by MnD
Fri Dec 12, 2014 9:37 pm
 
Forum: Personal Consumer Issues
Topic: Bumped out of first class at boarding - compensation?
Replies: 52
Views: 6316

Re: Bogle Advises Investing No More Than 20% Outside U.S.

I've opted to mirror the allocation in VG Total world and let it drift as opposed to a fixed percentage. Whatever your allocation to international, one might consider a relative allocation like that versus a fixed one. With a fixed percentage you are always going to be doing a lot of trading to hold...
by MnD
Mon Dec 08, 2014 8:20 am
 
Forum: Investing - Theory, News & General
Topic: Bogle Advises Investing No More Than 20% Outside U.S.
Replies: 106
Views: 11147

Re: Long-Lasting Incandescents + LED Question

The Crees are looking good. FYI, Cree just came out with their next generation of LED bulbs, the 4Flow. http://www.extremetech.com/extreme/193023-cree-launches-new-cheaper-plastic-4flow-60w-and-40w-equivalent-led-bulbs It appears that this convection design relies on airflow inside the bulb cover. ...
by MnD
Wed Dec 03, 2014 8:55 am
 
Forum: Personal Consumer Issues
Topic: Long-Lasting Incandescents + LED Question
Replies: 64
Views: 4858

Re: What % of your fixed-income is TIPs?

Ijim wrote:
MnD wrote:0%.
Not interested in "risk-proofing" everything in life as that tends to get expensive.
I find that things over the years sort of balance out. You get dinged on some things worse than you thought and other things pan out better than expected.


are you 100% equities?


No
by MnD
Tue Dec 02, 2014 11:30 pm
 
Forum: Investing - Theory, News & General
Topic: What % of your fixed-income is TIPs?
Replies: 71
Views: 3495

Re: Why is Dave Ramsey wrong?

Obvious wrong answers I've heard recently are..... Never ever borrow money for education Primary breadwinner should also do moonlighting work like delivering pizzas in evening to boost income Don't look into affordable care act insurance subsidies - contact insurance companies directly to get a &quo...
by MnD
Tue Dec 02, 2014 11:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why is Dave Ramsey wrong?
Replies: 73
Views: 9965

Re: What % of your fixed-income is TIPs?

0%.
Not interested in "risk-proofing" everything in life as that tends to get expensive.
I find that things over the years sort of balance out. You get dinged on some things worse than you thought and other things pan out better than expected.
by MnD
Tue Dec 02, 2014 8:48 pm
 
Forum: Investing - Theory, News & General
Topic: What % of your fixed-income is TIPs?
Replies: 71
Views: 3495

Re: How to you assess your rate of return?

I compare my portfolio to the simplest all-index fund portfolio with the same asset class and category percentages. My benchmark is 40% VG Total international stock, 35% VG Total stock market, 20% VG total bond market and 5% VG Money market. It's actionable because if I found I was consistently lagg...
by MnD
Tue Dec 02, 2014 12:19 pm
 
Forum: Investing - Theory, News & General
Topic: How to you assess your rate of return?
Replies: 12
Views: 792

Re: Fidelity's retirement savings guideline-Only need 8x sal

TomatoTomahto wrote: :oops: oh no, I was ready to retire, but I got a big raise, now I can't retire for another 5 years :twisted:


When my wife went back to work we went overnight from "completely on track" in retirement calculators to "woefully behind". :mrgreen:
by MnD
Sun Nov 30, 2014 12:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity's retirement savings guideline-Only need 8x salary?
Replies: 45
Views: 5092

Re: Fidelity's retirement savings guideline-Only need 8x sal

I strongly doubt, though, that most of the people reading this chart are spending only 1/3 of their salary. Our current world for our income is 1/3 taxes, 1/3 savings and college costs and 1/3 everything else. Our numbers show us retiring early on 60% of income in 4 years and having 133% of discret...
by MnD
Sun Nov 30, 2014 10:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity's retirement savings guideline-Only need 8x salary?
Replies: 45
Views: 5092

Re: Get up to $30 back per Amex card (Small Business Sat, 11

All registered, clicking on the Amex small-biz map and........................ We are down for maintenance. Sorry for the inconvenience. We'll be back shortly. Powered by force.com :( When the map was up it was a disaster. Depending on where you click it might show 30 businesses or zero even if the ...
by MnD
Sat Nov 29, 2014 12:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Get up to $30 back per Amex card (Small Business Sat, 11/29)
Replies: 76
Views: 7106

Re: Attic fiberglass insulation - energy efficiency

About 20% of our 2500 sq foot house attic has plywood decking on top of the joists and filled with fiberglass bats underneath. The rest of the attic had bats or blown-in to the height of the joists. During an energy audit the inspector recommended adding a whole bunch additional of blown-in insulati...
by MnD
Fri Nov 28, 2014 11:37 am
 
Forum: Personal Consumer Issues
Topic: Plywood R value attic - energy efficiency
Replies: 29
Views: 1681

Re: Safe Withdrawal Rates - Is the 4% rule still good?

I grimace when I see posts suggesting that the current environment is different so that you should go with a 3.5% or even 3% withdrawal rate. If your investments just keep up with inflation then for a 30 year retirement a 3.33% (1/30) withdraw rate would work. In a retirement account where taxes ar...
by MnD
Wed Nov 26, 2014 9:37 am
 
Forum: Investing - Theory, News & General
Topic: Safe Withdrawal Rates - Is the 4% rule still good?
Replies: 84
Views: 7954

Re: How did you handle the 2008 bear market ?

Kept regular contributions and stock/bond purchases going.
Maintained AA.
Rebalanced twice to my AA, once in 2008 and once in early 2009.
Significantly increased consumer spending - the deals were just too good to be true on goods and especially services such as travel, remodeling etc.
by MnD
Tue Nov 25, 2014 5:39 pm
 
Forum: Investing - Theory, News & General
Topic: How did you handle the 2008 bear market ?
Replies: 79
Views: 6233

Re: Bumped out of first class at boarding - compensation?

- I purchased the first class seats over 11 months ago through United Airlines web site using United frequent flyer miles (80,000 miles total for two "saver" first-class one-way awards). Ah, so you were "non-revenue" passengers. There are rules about that on the FF program site ...
by MnD
Mon Nov 24, 2014 4:20 pm
 
Forum: Personal Consumer Issues
Topic: Bumped out of first class at boarding - compensation?
Replies: 52
Views: 6316

Re: Bumped out of first class at boarding - compensation?

I think a key point here is 'deadheading ' -- The airline is moving their own personnel for operational reasons. They should compensate/refund miles, etc, but airlines often have to bring additional crew members in to be able to keep their schedule. Apparently the pilot's contract states they can f...
by MnD
Sun Nov 23, 2014 11:14 pm
 
Forum: Personal Consumer Issues
Topic: Bumped out of first class at boarding - compensation?
Replies: 52
Views: 6316

Re: Bumped out of first class at boarding - compensation?

The airline probably doesn't want *everyone* (including other first class passengers-to-be) realizing their precious seats are at risk AT THE VERY LAST MINUTE, at the instant of boarding :annoyed That's really the damage here. I will never _ever_ again assume that I'm going to be flying in any prem...
by MnD
Sun Nov 23, 2014 12:58 pm
 
Forum: Personal Consumer Issues
Topic: Bumped out of first class at boarding - compensation?
Replies: 52
Views: 6316

Re: Bumped out of first class at boarding - compensation?

Also contact Chris Elliott, and see this (albeit from 2009): http://elliott.org/blog/kicked-out-of-my-first-class-seat-to-make-room-for-a-crewmember/ This apparently involves mileage-based travel, also. The bumped passengers (who chose to fly a different airline instead) took the airline to small c...
by MnD
Sun Nov 23, 2014 12:42 pm
 
Forum: Personal Consumer Issues
Topic: Bumped out of first class at boarding - compensation?
Replies: 52
Views: 6316

Re: Bumped out of first class at boarding - compensation?

Did you fly first class on your return trip? If so it might be a stretch to go for a payment of 160K miles. Please let us know how this all settles out. I suspect there is something in their frequent flyer agreement that allows them to bump you back to economy and that any compensation is defined t...
by MnD
Sun Nov 23, 2014 11:34 am
 
Forum: Personal Consumer Issues
Topic: Bumped out of first class at boarding - compensation?
Replies: 52
Views: 6316

Re: Bumped out of first class at boarding - compensation?

I would ask over at flyertalk-- they are very knowledgeable about all the rules/practices. Look for either the USAir or the United FF forum. Absolutely post at flyertalk, probably in the USAir section but could spill to UA: http://www.flyertalk.com/forum/us-airways-dividend-miles-pre-merger-612/ Th...
by MnD
Sun Nov 23, 2014 11:31 am
 
Forum: Personal Consumer Issues
Topic: Bumped out of first class at boarding - compensation?
Replies: 52
Views: 6316

Bumped out of first class at boarding - compensation?

Three questions: (1) I was wondering what Bogleheads think is appropriate compensation to request in this situation? (2) Should I start with USAir or United customer service? (3) I feel a refund of "double miles" (160,000 miles) and two $500 certificates for future travel would be appropri...
by MnD
Sun Nov 23, 2014 10:56 am
 
Forum: Personal Consumer Issues
Topic: Bumped out of first class at boarding - compensation?
Replies: 52
Views: 6316

Re: Checking monthly - may not even notice the October "cras

Nothing even approached my re-balancing bands or tax loss territory. out of curiosity what are you rules for tax loss harvesting? i was following the news much closer than usual doing this "crash" and i had a 1 day opportunity to tax loss harvest about $1000. of course, the next day price...
by MnD
Thu Oct 30, 2014 6:03 am
 
Forum: Investing - Theory, News & General
Topic: Checking monthly - may not even notice the October "crash"
Replies: 51
Views: 4443

Re: AA canceled flight: premium seat fee not refunded

Lately I've been offered some really good deals (in my opinion) on first class upgrades but only when I check in at the airport kiosk fairly close to flight time. Tried checking in on-line even same day and didn't get those offers so I cancelled check-in till I got to the airport. Both were morning ...
by MnD
Wed Oct 29, 2014 12:42 pm
 
Forum: Personal Consumer Issues
Topic: canceled flight on AA: premium seat fee not refunded
Replies: 30
Views: 2344

Re: Checking monthly - may not even notice the October "cras

Nothing even approached my re-balancing bands or tax loss territory. Folks seems to do an awful lot of "doing something" on even minor moves in the market. I've only rebalanced four times in the past 7 years and that's a lot compared to my long-term average. And only two rounds of tax-loss...
by MnD
Wed Oct 29, 2014 7:19 am
 
Forum: Investing - Theory, News & General
Topic: Checking monthly - may not even notice the October "crash"
Replies: 51
Views: 4443

Re: So you think you're a Risk-taker?

Passed all the questions and bought more stock in 1987, 2000 and 2008/9.
In 2008-10 period we also increased spending on durable big-ticket items significantly - the deals were just too good to pass up.
Contractors and retailers were desperate.
by MnD
Sun Oct 26, 2014 7:18 am
 
Forum: Investing - Theory, News & General
Topic: So you think you're a Risk-taker?
Replies: 36
Views: 4459

Re: Home Depot Warranty not honored

HD's best conventional hot water heater has a "lifetime" parts and labor warranty when they do the install. Mine started leaking on a Friday morning (at only 4 years old) before a three-day weekend and after calling the warranty center (in India) they indicated the first appointment availa...
by MnD
Sun Oct 19, 2014 6:56 am
 
Forum: Personal Consumer Issues
Topic: Home Depot Warranty not honored
Replies: 27
Views: 3406

Re: AA: 50/50 Domestic and International Stock IPS

To all those souls with a roughly 50/50 domestic vs International Stock AA in your IPS, Are you rebalancing into VEU/VSS (ETF) or their Mutual fund equivalent (FTSE large cap/small cap ex US)? No because rebalancing thresholds have not been exceeded. For me it's not an optional or emotional thing -...
by MnD
Sat Oct 18, 2014 10:48 am
 
Forum: Investing - Theory, News & General
Topic: AA: 50/50 Domestic and International Stock IPS
Replies: 18
Views: 1663

Re: Putting Active Management to the Test

While I find this thread interesting, I’m not sure it’ll show anything useful. Had you limited yourself to choosing only a handful of funds—say, no more than five—then it might be a reasonably compelling test of your ability to pick funds that outperform. In 2001 I set up my entire inherited IRA wi...
by MnD
Sat Oct 18, 2014 8:21 am
 
Forum: Investing - Theory, News & General
Topic: Putting Active Management to the Test
Replies: 108
Views: 13231

Re: Putting Active Management to the Test

Okay, I changed the benchmark for DODFX to ACWX, the iShares MSCI ACWI ex US Index. DODFX is ex-US large cap blend. With $62 billion in assets spread across just 79 stocks, any mid-cap or small-cap position (if they even have any) would be difficult to initiate and meaningless as far as fund perfor...
by MnD
Sat Oct 18, 2014 8:01 am
 
Forum: Investing - Theory, News & General
Topic: Putting Active Management to the Test
Replies: 108
Views: 13231

Re: What is common for a severance package?

Your wife's company should have an established policy document available to employees that states what the severance package is based on length of employment time, job level, etc. Have her check the company's intranet page for the document to get the official answer. That's increasingly rare now un...
by MnD
Wed Oct 15, 2014 11:37 am
 
Forum: Personal Finance (Not Investing)
Topic: What is common for a severance package?
Replies: 25
Views: 1895

Re: Relatively new here. What did you do in 2008/09

Rebalanced twice into equities, once in late 2008 and once again in early 2009 when re-balancing points were exceeded again. Tax loss harvesting. Increased 401-K contributions to both maxed out. We also increased spending and consumption - we happened to have a lot of funds in "spending" a...
by MnD
Tue Oct 14, 2014 2:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Relatively new here. What did you do in 2008/09
Replies: 130
Views: 10166

Re: Avoid logging into brokerage account

I log in every week and using some aggregation tools total up my overall AA and investment net worth. Fear of reality implies to me that someone has a higher risk in their portfolio than they might tolerate. The move in the market YTD is essentially nothing and you're already afraid to look at your ...
by MnD
Mon Oct 13, 2014 7:38 am
 
Forum: Investing - Theory, News & General
Topic: Avoid logging into brokerage account
Replies: 17
Views: 1814

Re: "Vanguard converting mutual fund accounts to brokerage?

I don't understand why this change isn't viewed more positively. The change is allowing you to hold stock, bonds, etfs, and mutual funds all in the same account without having to keep it separate. There won't be any need for separate mutual fund and brokerage accounts. If all you want to buy is mut...
by MnD
Sun Oct 12, 2014 7:24 am
 
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 246
Views: 15558

Re: What's Your up to the minute AA?

(XX.X) = target AA

US Large 22.90% (22.5)
US Small 12.60% (12.5)
Ex-US developed large 23.35% (25.0)
Ex-US developed small 4.70% (5.0)
Emerging markets 9.60% (10.0)
Bonds+cash 26.90% (25.0)
by MnD
Sat Oct 11, 2014 5:54 pm
 
Forum: Investing - Theory, News & General
Topic: What's Your up to the minute AA?
Replies: 110
Views: 9758

Re: Market corrections and rebalancing band

i rebalance at the 10% threshold and whenever I have to make trades or exchanges for other reasons (such as tax loss harvesting, 401-K-IRA rollover, better funds come out with lower ER's and better diversification). Since I'm going to be moving significant sums around anyways so might as well move t...
by MnD
Sat Oct 11, 2014 1:28 pm
 
Forum: Investing - Theory, News & General
Topic: Market corrections and rebalancing band
Replies: 71
Views: 4289

Re: How Close AMEX SPG without hurting credit score

Is your credit score "borderline" for getting the best rates on any loans you might want or need in the near term or for insurance underwriting purposes? If not, I wouldn't worry about it. I always close whatever cards accounts etc. I don't need or want anymore and the impact on credit sco...
by MnD
Sat Oct 11, 2014 9:00 am
 
Forum: Personal Finance (Not Investing)
Topic: How Close AMEX SPG without hurting credit score
Replies: 11
Views: 1269

Re: What was your initial AA and how has that worked out?

1986, age 24, AA=50/50 Gradually increased to 75/25 in more or less a straight line between then and early-mid 2000's. Wish I had selected a higher allocation to equity way back then. But at the time it seemed bold. I'm retiring in a few years at age 56 with an nice income so I guess it worked out OK.
by MnD
Sun Oct 05, 2014 11:01 pm
 
Forum: Investing - Theory, News & General
Topic: What was your initial AA and how has that worked out?
Replies: 32
Views: 2595

Re: TSP [CNN Money: Fed Workers... low cost retirement plans

The G fund allows a retiree to effectively hold large amounts of cash and spend from it in the event of a market downturn while earning around an average fixed income return. So no need for X years of cash binned away as some people believe prudent to hold in retirement with the near-zero or negativ...
by MnD
Sat Oct 04, 2014 12:36 pm
 
Forum: Investing - Theory, News & General
Topic: TSP [CNN Money: Fed Workers... low cost retirement plans]
Replies: 25
Views: 2744

Re: What will you do during the next crash?

Same as 1987, 2000 and 2008. Rebalance to my AA once or twice depending on how many times my bands are exceeded. If it's after retirement, total income will take a small hit per my dynamic SWR formula. Unlike 2000 and 2008 I won't be ticked off at myself for not taking some money off the table prior...
by MnD
Sat Oct 04, 2014 9:53 am
 
Forum: Investing - Theory, News & General
Topic: What will you do during the next crash?
Replies: 63
Views: 4594

Re: rebalancing conundrum/paradox/irony

Are you done adjusting/timing your portfolio on the basis of Shiller PE? That was your big concern and actions a few months ago - I think you were moving to international equity at least. I would suggest buying every two weeks or whatever in proportion to the asset allocation specified in your IPS. ...
by MnD
Tue Sep 30, 2014 12:02 pm
 
Forum: Investing - Theory, News & General
Topic: rebalancing conundrum/paradox/irony
Replies: 83
Views: 5530

Re: Time to go back to cash and ditch the Credit Card?

There are several studies that show that people using credit cards spend much more than those using cash. Target's RedCard led to a big increase in store spending (I've overspent there because of the card), and McDonalds customers spent much more per visit when they put in credit card machines. The...
by MnD
Sun Sep 28, 2014 10:35 am
 
Forum: Personal Consumer Issues
Topic: Time to go back to cash and ditch the Credit Card?
Replies: 39
Views: 3387

Re: Any disadvantages of filing for unemployment?

We experienced a few. The system in out state (Colorado) seems designed to prevent people from collecting. Vary complex and convoluted and behind the scenes consists of multiple software systems that are over 20 years old cobbled together. DW had some complexities with severance and after having no ...
by MnD
Sat Sep 27, 2014 8:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Any disadvantages of filing for unemployment?
Replies: 22
Views: 2332

Re: Bill Gross moving from PIMCO to Janus, Monday

We bailed from PIMCO TR this summer when Dodge and Cox Global Bond came out. I thought BG's monthly commentaries, while always a little different, were really going off the deep end the past couple of years. Glad we made the move to Dodge and Cox with active management, relatively low costs and comm...
by MnD
Fri Sep 26, 2014 10:59 am
 
Forum: Investing - Theory, News & General
Topic: Bill Gross moving from PIMCO to Janus, Monday
Replies: 119
Views: 11498

Re: Lack of liquidity in corporate bonds hits index funds

Reading both the OP's article and OGD's article I have to ask if the problem is actually with bond index funds and not instead with bond ETFs? I think every example cited in the OP's article was an ETF and not a fund. And if I recall correctly both Bernstein and Ferri recommend against using ETFs f...
by MnD
Wed Sep 24, 2014 10:30 am
 
Forum: Investing - Theory, News & General
Topic: Lack of liquidity in corporate bonds hits index funds
Replies: 12
Views: 2140

Re: Lack of liquidity in corporate bonds hits index funds

MnD: while I share some of your misigivings about bond indexing being useful, it should be noted that said muni ETFs were decidedly not index funds. In fact, I am not aware of any muni index ETFs at all. I must be missing some subtlety here. The big daddy of all muni ETF's (MUB) and the vast majori...
by MnD
Wed Sep 24, 2014 10:21 am
 
Forum: Investing - Theory, News & General
Topic: Lack of liquidity in corporate bonds hits index funds
Replies: 12
Views: 2140
Next

Return to advanced search