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Re: Put down that smart phone; Log off!!

It is ironic that this advice is posted in a forum where people spend countless hours of their lives.

We should probably shut down our computers too.
by Petrocelli
Thu May 08, 2014 1:51 pm
 
Forum: Personal Consumer Issues
Topic: Put down that smart phone; Log off!!
Replies: 25
Views: 4236

Re: International Bond Allocation?

House Blend wrote:
Petrocelli wrote:Does that sound about right?

Define what you mean by "right".

Once you've controlled for costs (ER), average duration, and credit quality, I don't think it matters what you do for fixed income.


"Right" means "reasonable".
by Petrocelli
Fri Apr 04, 2014 3:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: International Bond Allocation?
Replies: 24
Views: 1971

Re: International Bond Allocation?

abuss368 wrote:You could buy a new watch with the dividends form these bond funds!


I could buy more than one, but I choose not to do so.
by Petrocelli
Fri Apr 04, 2014 3:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: International Bond Allocation?
Replies: 24
Views: 1971

Re: International Bond Allocation?

I think it would provide a smidgen of diversification.
by Petrocelli
Sat Mar 29, 2014 11:16 am
 
Forum: Investing - Help with Personal Investments
Topic: International Bond Allocation?
Replies: 24
Views: 1971

International Bond Allocation?

I just added the International Bond Index Fund to my company's 401(k).

I am going to allocation my bonds like this: 60% Total Bond, 20% International Bond, and 20% TIPS.

Does that sound about right?

Thanks in advance.
by Petrocelli
Sat Mar 29, 2014 11:07 am
 
Forum: Investing - Help with Personal Investments
Topic: International Bond Allocation?
Replies: 24
Views: 1971

Re: The Boglehead Car -- What is It?

Mercedes C250. You can lease one for three years and 15,000 miles a year for about $600 a month with no money down, including maintenance.
by Petrocelli
Fri Mar 28, 2014 12:37 pm
 
Forum: Personal Consumer Issues
Topic: The Boglehead Car -- What is It?
Replies: 150
Views: 11683

Re: What age did you reach 100K networth?

27, but that was in the 1980s when that was a lot more money than it is today.
by Petrocelli
Fri Mar 28, 2014 11:58 am
 
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 264
Views: 35139

Re: Movie night in recommendations

Nebraska is the best movie in the past year. Highly recommended.
by Petrocelli
Fri Mar 28, 2014 11:55 am
 
Forum: Personal Consumer Issues
Topic: Movie night in recommendations
Replies: 269
Views: 20131

Re: Should you discuss your wages with your peers?

Only if you make more money than they do.
by Petrocelli
Thu Mar 27, 2014 8:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should you discuss your wages with your peers?
Replies: 82
Views: 6997

Re: I bought a rosé this week...

I did get a new 2014 C250 Mercedes this week, however. My 2012 C300 was getting old. mistake...it doesn't have a 2 inch hitch receiver http://i59.tinypic.com/2u7x1y0.jpg I didn't see that on the list of options. BTW, this is my 5th Mercedes, and it's my favorite. Good mileage, smooth transmission, ...
by Petrocelli
Thu Mar 27, 2014 6:25 pm
 
Forum: Personal Consumer Issues
Topic: I bought a rosé this week...
Replies: 35
Views: 3863

Re: I bought a rosé this week...

I bought an $80 pillow. Paging Mr. Petrocelli...... RM Yes? I think you are being called into give some perspective on market timer's $80 pillow purchase based upon your purchase of a multi-thousand dollar watch. Or something... I wear an $89 watch. I did get a new 2014 C250 Mercedes this week, how...
by Petrocelli
Tue Mar 25, 2014 11:22 pm
 
Forum: Personal Consumer Issues
Topic: I bought a rosé this week...
Replies: 35
Views: 3863

Re: I bought a rosé this week...

Random Musings wrote:
market timer wrote:I bought an $80 pillow.


Paging Mr. Petrocelli......

RM


Yes?
by Petrocelli
Tue Mar 25, 2014 3:40 pm
 
Forum: Personal Consumer Issues
Topic: I bought a rosé this week...
Replies: 35
Views: 3863

Re: [Can you recommend]A spectacular movie, and a terrible m

Spectacular movie followed by a bad sequel? That's easy: Godfather I and Godfather II, followed by Godfather III.
by Petrocelli
Sat Jul 13, 2013 1:57 pm
 
Forum: Personal Consumer Issues
Topic: [Can you recommend]A spectacular movie, and a terrible movie
Replies: 161
Views: 10810

Re: [Can you recommend]A spectacular movie, and a terrible m

Two movies that are so bad, that they are good:

1. The Room
2. Glen or Glenda.

The Room now has a cult following among college kids. The guy who made it (Tommy Wiseau) is getting rich for making a horrible movie. It's hard to figure out if he's an idiot or a genius.
by Petrocelli
Sat Jul 13, 2013 1:56 pm
 
Forum: Personal Consumer Issues
Topic: [Can you recommend]A spectacular movie, and a terrible movie
Replies: 161
Views: 10810

Re: Active beats passive in 7 year "bet" (again)

As for the bet, let's get two things straight. First, I recommend to pretty much everyone who asks to buy a Target Fund. Since I oversee a 401(k) plan, I am pimping index funds like Super Fly. Second, if any adviser I hired put Windsor II in my portfolio, I'd fire them. I can screw around with money...
by Petrocelli
Mon Jul 01, 2013 9:08 pm
 
Forum: Investing - Theory, News & General
Topic: Active beats passive in 7 year "bet" (again)
Replies: 51
Views: 3772

Re: Active beats passive in 7 year "bet" (again)

SVariance1 wrote:Columbia
Harvard
Wharton


I went to one of these three schools so I am probably smarter than most people. At a minimum, for three hours on a Saturday morning in 1976, I was better at filling in circles with a no. 2 pencil than 99 out of 100 high school seniors. I rule.
by Petrocelli
Mon Jul 01, 2013 9:01 pm
 
Forum: Investing - Theory, News & General
Topic: Active beats passive in 7 year "bet" (again)
Replies: 51
Views: 3772

Re: Active beats passive in 7 year "bet" (again)

Are you just reporting the details of your bet? Or are you implying that active is a "better" approach than passive ? I believe low cost actively managed funds are pretty darn good. If anyone asks me how to invest, I tell them to buy a Target fund, so I think most people should buy index ...
by Petrocelli
Mon Jul 01, 2013 10:28 am
 
Forum: Investing - Theory, News & General
Topic: Active beats passive in 7 year "bet" (again)
Replies: 51
Views: 3772

Re: Active beats passive in 7 year "bet" (again)

Just for the record,dumb old Total Stock Market Index beat both of 'em. Funny you should mention that. On March 4, 2004, I made a bet on the old Diehards forum where I took Primecap and someone else took TSM. Primecap won the 5 year bet. I continue to track the portfolio. As of today, Primecap has ...
by Petrocelli
Mon Jul 01, 2013 10:17 am
 
Forum: Investing - Theory, News & General
Topic: Active beats passive in 7 year "bet" (again)
Replies: 51
Views: 3772

Re: Active beats passive in 7 year "bet" (again)

Rick Ferri wrote:Russell 1000 isn't a large value Index. It's a large cap blend index. Do you mean another ETF that tracks a value index?


You are correct. I left out the word "Value" -- which is pretty important here I guess. I have edited the OP and added the ticker symbols.
by Petrocelli
Mon Jul 01, 2013 10:15 am
 
Forum: Investing - Theory, News & General
Topic: Active beats passive in 7 year "bet" (again)
Replies: 51
Views: 3772

Re: Active beats passive in 7 year "bet" (again)

$10,000 grew to $14,781,77 in iShares Russell 1000, only $14,183.19 in Windsor II, that's 0.59% less, annualized, for the active fund. Start with these figures: On June 30, 2006 we bought: 309.598 shares of Windsor II at $32.20 and 136.761 shares of the Russell 1000 Index ETF at $73.12. All dividen...
by Petrocelli
Mon Jul 01, 2013 10:13 am
 
Forum: Investing - Theory, News & General
Topic: Active beats passive in 7 year "bet" (again)
Replies: 51
Views: 3772

Active beats passive in 7 year "bet" (again)

Seven years ago, andy (Wagner) made a bet with me in which he picked a large value index fund and I picked a large value actively managed funds. Ithnk we both doubted we would still be posting seven years later. Andy picked the ishares Russell 1000 Index ETF (and I spotted him the cost of trhe broke...
by Petrocelli
Mon Jul 01, 2013 9:35 am
 
Forum: Investing - Theory, News & General
Topic: Active beats passive in 7 year "bet" (again)
Replies: 51
Views: 3772

Re: Why Shouldn't I Buy McDonalds Or Coke?

investor wrote:just buy BRK.b Berkshire Hathaway

investor


I wouldn't buy just one stock. Twenty feels about right.
by Petrocelli
Fri Jun 28, 2013 9:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why Shouldn't I Buy McDonalds Or Coke?
Replies: 31
Views: 2574

Re: Why Shouldn't I Buy McDonalds Or Coke?

bottlecap wrote:Why shouldn't everyone buy McDonald's and Coke? Why hasn't everyone already bought them all up?


Are you asking this of me?
by Petrocelli
Fri Jun 28, 2013 9:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why Shouldn't I Buy McDonalds Or Coke?
Replies: 31
Views: 2574

Re: Why Shouldn't I Buy McDonalds Or Coke?

The difference between Coke and McDonald's, on the one hand, and stocks like Apple, Enron and others mentioned above, is that Coke and McDonald's have a beta less than 1. Thus, if you assemble a portfolio of stocks like those, you will get a portfolio that pays nice dividends, and don't have huge pr...
by Petrocelli
Fri Jun 28, 2013 8:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why Shouldn't I Buy McDonalds Or Coke?
Replies: 31
Views: 2574

Re: Live next to gas station?

NEVER!

Location, location, location.
by Petrocelli
Fri Jun 21, 2013 11:22 am
 
Forum: Personal Consumer Issues
Topic: Live next to gas station?
Replies: 44
Views: 3760

Re: Rules of thumb for buying a first house?

Buy the smallest house in the best area you can afford. Remember, land appreciates and houses depreciate. Buy land, not houses.
by Petrocelli
Fri Jun 21, 2013 11:18 am
 
Forum: Personal Consumer Issues
Topic: Rules of thumb for buying a first house?
Replies: 50
Views: 5704

Re: Premium Products That Are Worth It To You

Suits.

A really nice suit (around $1,000) will last a long time and look great even after a decade of use.
by Petrocelli
Wed Jun 19, 2013 2:20 pm
 
Forum: Personal Consumer Issues
Topic: Premium Products That Are Worth It To You
Replies: 361
Views: 40157

Re: Poll: How much cash do you carry?

Like Ryewhiskey above, I always keep a $100 bill tucked away in my wallet, just in case.

I like to pay cash for things, so I usually carry another $100 or so. Yesterday, however, I had over $1,000 in cash in my wallet because I bought a new suit.
by Petrocelli
Wed Jun 19, 2013 2:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: How much cash do you carry?
Replies: 103
Views: 5775

Re: Why buy expensive cars

But then a new E-class costs about 3 times as much as a Sentra new- is it 3x as nice? - probably not, 3x as useful? - no-way, 3x as safe? not - depreciate 3x more $$$ per year - yes. I agree that Mercedes are very nice cars to drive though and well worth it if the $$ are insignificant to you. Actua...
by Petrocelli
Wed Jun 19, 2013 2:11 pm
 
Forum: Personal Consumer Issues
Topic: Why buy expensive cars
Replies: 271
Views: 26215

Re: Why buy expensive cars

I lease a Mercedes because I am a lawyer and, in my experience, no one wants to hire a lawyer driving a Sentra. True story. I drive home a couple nights ago, and guess what car is sitting in the driveway? A Nissan Sentra! Apparently, with the kids home for the summer, my wife needed a 4th car. She ...
by Petrocelli
Wed Jun 19, 2013 11:34 am
 
Forum: Personal Consumer Issues
Topic: Why buy expensive cars
Replies: 271
Views: 26215

Re: What age did you reach 100K networth?

25- Based solely on an investment in one stock.
by Petrocelli
Fri Jun 14, 2013 4:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 264
Views: 35139

Re: Why buy expensive cars

Also, I do disagree with the proposition that a cheaper car is the equivalent of a luxury car. My son drives a Honda CR-V. I drove that car to Texas and it is a truly fine vehicle. However, it does not ride as smoothly and is not as quiet as my Mercedes. I drive an expensive (if $36,000 is expensive...
by Petrocelli
Wed Jun 12, 2013 4:52 pm
 
Forum: Personal Consumer Issues
Topic: Why buy expensive cars
Replies: 271
Views: 26215

Re: Why buy expensive cars

I lease a Mercedes because I am a lawyer and, in my experience, no one wants to hire a lawyer driving a Sentra. How do your clients know what car you drive? A framed picture on your desk? I've dealt with a lot of lawyers but never had one offer to chauffeur me around. I have no idea what car they d...
by Petrocelli
Wed Jun 12, 2013 4:44 pm
 
Forum: Personal Consumer Issues
Topic: Why buy expensive cars
Replies: 271
Views: 26215

Re: How Much Did You Spend on Your Engagement Ring??

I think I spent around $3,000 in 1986. At that time, it was about a month's salary.
by Petrocelli
Wed Jun 12, 2013 12:45 pm
 
Forum: Personal Consumer Issues
Topic: How Much Did You Spend on Your Engagement Ring??
Replies: 289
Views: 21290

Re: Why buy expensive cars

I lease a Mercedes because I am a lawyer and, in my experience, no one wants to hire a lawyer driving a Sentra.
by Petrocelli
Tue Jun 11, 2013 6:05 pm
 
Forum: Personal Consumer Issues
Topic: Why buy expensive cars
Replies: 271
Views: 26215

Re: Whart smartphone should I get?

FYI, I got the Galaxy S3 and love it. The price dropped to $99 a few weeks before the S$ came out. I love it. Also, I got a great case from Urban Armor Gear. Like you, Petro, I've been a BB user for many years, but I'm now looking at the Samsung Galaxy line. Would appreciate it if you'd drop by and...
by Petrocelli
Mon Jun 10, 2013 5:42 pm
 
Forum: Personal Consumer Issues
Topic: Whart smartphone should I get?
Replies: 110
Views: 22683

Re: A Passive vs Active bet for Bogleheads.

I have made two "bets" with Bogleheads in which I selected an actively managed fund, and they selected an index fund. The first bet started on March 4, 2004. I took Primecap, and the indexer selected TSM. Since then, Primecap has returned 105.1%. TSM has returned 77.37%. Winner: active. Th...
by Petrocelli
Fri Jun 07, 2013 10:24 am
 
Forum: Investing - Theory, News & General
Topic: A Passive vs Active bet for Bogleheads.
Replies: 23
Views: 2333

Re: Spotify Mobile: A great deal!

I guess whether you think Spotify is worth $10 depends on how much you like listening to entire albums. I have been subscribing for a week and have found some great new albums: (Steve Earle's Low Highway , Pattui Griffin's American Kid , Dawes' Stories Don't End, and Jake Bugg's Jake Bugg .) I also ...
by Petrocelli
Sat May 18, 2013 8:42 pm
 
Forum: Personal Consumer Issues
Topic: Spotify Mobile: A great deal!
Replies: 18
Views: 1982

Spotify Mobile: A great deal!

I recently got my first smartphone. I decide to try the Spotify Mobile app. After 2 days, I am hooked. For $10 a month you get access to millions of songs. I highly recommend it for music lovers.
by Petrocelli
Fri May 17, 2013 11:20 pm
 
Forum: Personal Consumer Issues
Topic: Spotify Mobile: A great deal!
Replies: 18
Views: 1982

Re: Whart smartphone should I get?

FYI, I got the Galaxy S3 and love it. The price dropped to $99 a few weeks before the S$ came out. I love it.

Also, I got a great case from Urban Armor Gear.
by Petrocelli
Fri May 17, 2013 11:18 pm
 
Forum: Personal Consumer Issues
Topic: Whart smartphone should I get?
Replies: 110
Views: 22683

Re: I need help with CAP rates

Thanks for the replies. After reading them, I realized I know nothing about this area, and it would take too long to learn. I decided to hire an appraiser.
by Petrocelli
Fri May 17, 2013 11:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: I need help with CAP rates
Replies: 11
Views: 944

I need help with CAP rates

I own an interest in a piece of real property with other people. The property has a factory on one part of it, and 16 small commercial units on another part. It has no liens against it and generates approximately $250,000 a year in income. One of the other owners is interested in buying my interest....
by Petrocelli
Fri May 03, 2013 10:00 am
 
Forum: Investing - Help with Personal Investments
Topic: I need help with CAP rates
Replies: 11
Views: 944

Re: Whart smartphone should I get?

Given that I have 3 weeks until I can upgrade, the amount of research I have conducted is staggering. In manpower hours (including the hours of those who respond to my posts), the effort put into this phone choice will probably exceed the Manhattan Project. Today's opinion: I may have dismissed the ...
by Petrocelli
Fri Mar 29, 2013 9:11 pm
 
Forum: Personal Consumer Issues
Topic: Whart smartphone should I get?
Replies: 110
Views: 22683

Re: Whart smartphone should I get?

Have you looked at Pandora, Petro? Their free service is great and allows you to create your own "stations", based on your likes and dislikes. I have used both Pandora and Spotify, and prefer Spotify because Spotify allows you to play entire albums, unlike Pandora. However, I have to deci...
by Petrocelli
Wed Mar 27, 2013 4:30 pm
 
Forum: Personal Consumer Issues
Topic: Whart smartphone should I get?
Replies: 110
Views: 22683

Re: Whart smartphone should I get?

. . . and the battery life on the Androids really suck. Up until the day I bought my iPhone 5 I was a die hard Android boy and told everything my next phone was NOT going to be an iPhone. That is until I actually held the iPhone 5 and fell in love. I've held all the other smartphones and they just ...
by Petrocelli
Sun Mar 24, 2013 5:25 pm
 
Forum: Personal Consumer Issues
Topic: Whart smartphone should I get?
Replies: 110
Views: 22683

Re: Whart smartphone should I get?

LifeIsGood wrote:I'm not sure if this matters, but won't you be out of pocket each month with only a $50 allowance? A Verizon or AT&T contract usually ends up being in the high $70's for voice & data.


Yes. But I am already paying for a cellphone, so i figure I will net about $30 a month.
by Petrocelli
Sun Mar 24, 2013 5:15 pm
 
Forum: Personal Consumer Issues
Topic: Whart smartphone should I get?
Replies: 110
Views: 22683

Re: Whart smartphone should I get?

Thanks for all your responses. I spent about an hour today playing with phones. Here's what I think. You get a lot less phone for your money with an iphone. The Samsung S3 and Motorola Razr Maxx HD have better screens, better batteries, and are just faster. Assuming those are the two choices, does a...
by Petrocelli
Sat Mar 23, 2013 4:55 pm
 
Forum: Personal Consumer Issues
Topic: Whart smartphone should I get?
Replies: 110
Views: 22683

Re: Whart smartphone should I get?

harikaried wrote:What carrier? Are you okay signing a 2-year contract where I'm guessing your employer will reimburse up to $300 for the phone + plan? How soon do you need to pick a phone?


I am with Verizon and will renew my contract in April. As stated above, I get $50 a month for phone charges.
by Petrocelli
Thu Mar 21, 2013 10:39 am
 
Forum: Personal Consumer Issues
Topic: Whart smartphone should I get?
Replies: 110
Views: 22683
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