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Re: What evidence would prove the Boglehead mentality wrong?

On the off chance any of this is serious (not the thread, just this little sub-exchange): Misapplying verb tenses can be hazardous to one's wealth. A publicly traded corporation is not Schrodinger's cat. Another analogy. I agree corporations and quantum fields share few characteristics. What of it? ...
by Phineas J. Whoopee
Thu Sep 18, 2014 8:01 pm
 
Forum: Investing - Theory, News & General
Topic: What evidence would prove the Boglehead mentality wrong?
Replies: 77
Views: 4601

Re: What are the components of inflation?

... Supply shocks are not inflation. If there is no change in the money supply, and no change in the amount of goods available for purchase, then if the price of one good goes up, the price of other goods must go down. This is just arithmetic . ... Do I understand you to claim that the velocity of ...
by Phineas J. Whoopee
Thu Sep 18, 2014 7:00 pm
 
Forum: Investing - Theory, News & General
Topic: What are the components of inflation?
Replies: 16
Views: 537

Re: What are the components of inflation?

The conventional definition is a pervasive and sustained increase in prices for goods and services across the economy. The Austrian school definition is any increase in the supply of money. I believe they've settled on M2, except when they mean M0 or M1, or complain the Fed no longer publishes M3. I...
by Phineas J. Whoopee
Thu Sep 18, 2014 5:46 pm
 
Forum: Investing - Theory, News & General
Topic: What are the components of inflation?
Replies: 16
Views: 537

Re: What evidence would prove the Boglehead mentality wrong?

Doing nothing is not always cheaper than doing something. If you have a leaky roof, and don't fix it to save money, eventually you will have a rotted frame. The analogy you make is true, in that I would never suggest it's better not to fix a leaky roof on a building one wishes to preserve, but I'm ...
by Phineas J. Whoopee
Thu Sep 18, 2014 5:27 pm
 
Forum: Investing - Theory, News & General
Topic: What evidence would prove the Boglehead mentality wrong?
Replies: 77
Views: 4601

Re: Invest in Betterment or Bank for 4 years.

What funds at Vanguard require $10,000? Other than a fund in Admiral Shares when there is an Investor Share fund available.... If there are any, they must not be the stuff we ordinarily discuss. Vanguard's list shows exclusively Admiral shares of funds for precisely a $10,000 minimum investment. PJW
by Phineas J. Whoopee
Thu Sep 18, 2014 5:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Invest in Betterment or Bank for 4 years.
Replies: 9
Views: 514

Re: Bonds in portfolios ??

I remember a quote, verbatim, and even what the interviewee looked like (fit male in later middle age with a well-trimmed white beard and wearing a light blue button-up shirt), on some channel, maybe CNBC, maybe PBS, that part I don't remember, in what had to be early 2000 because of the previous th...
by Phineas J. Whoopee
Thu Sep 18, 2014 5:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bonds in portfolios ??
Replies: 10
Views: 448

Re: FREE isn't so free. Explanation of the market

... Can it actually go to $0.00? Yes. Does this meant the company went out of business? Well, not entirely necessarily. In the US a business could apply for bankruptcy protection, be granted it, negotiate a restructuring plan, give equity to the former creditors, wipe out all former shareholder val...
by Phineas J. Whoopee
Thu Sep 18, 2014 4:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: FREE isn't so free. Explanation of the market
Replies: 4
Views: 399

Re: Inflation Bonds - Staying the Course?

I am a 26 y.o, with no plans of retiring anytime soon, and I hold 6% of my ~80/20 portfolio in TIPS in my rIRA (VIPSX fund). Is this reasonable of me? Thank you for the advice. With 80% in stocks those will dominate the portfolio. Only 6% in TIPS won't provide meaningful protection against unexpect...
by Phineas J. Whoopee
Thu Sep 18, 2014 3:51 pm
 
Forum: Investing - Theory, News & General
Topic: Inflation Bonds - Staying the Course?
Replies: 42
Views: 2510

Re: Invest in Betterment or Bank for 4 years.

I would like to invest in vanguard but they require a min of 10,000 for the fund I wish to select, So i can put money aside over the course of 4 years, but am not sure if i should put it in betterment so it can grow a little. i have ally bank earning .9% savings account, so its tempting just to lea...
by Phineas J. Whoopee
Thu Sep 18, 2014 3:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Invest in Betterment or Bank for 4 years.
Replies: 9
Views: 514

Re: What evidence would prove the Boglehead mentality wrong?

... Alex, I guess I just get tired of the one-liner posts that say "Stay the course" or "Tune out the news". Those kind of posts tend to overshadow the more thoughtful posts that do point to more variety in Boglehead investing. So I guess I was just railing against the stereotyp...
by Phineas J. Whoopee
Wed Sep 17, 2014 8:53 pm
 
Forum: Investing - Theory, News & General
Topic: What evidence would prove the Boglehead mentality wrong?
Replies: 77
Views: 4601

Re: Tour travelling by bus

VictoriaF wrote:...
Now, I recognize you!

Victoria

Can it really be you, Soo-kyi? You said you were from Seoul, in the US on a grad student visa. What's with all the Cyrillic?
PJW
by Phineas J. Whoopee
Wed Sep 17, 2014 8:41 pm
 
Forum: Personal Consumer Issues
Topic: Tour travelling by bus
Replies: 36
Views: 1856

Re: Tour travelling by bus

... Do you use your repulsiveness skills with Green Tortoise? Victoria At first they weren't fully developed, so I ended up hanging out with a female person traveling alone, with whom my life goals were so thoroughly incompatible the hanging-out-ed-ness only extended to an email or two after we par...
by Phineas J. Whoopee
Wed Sep 17, 2014 7:59 pm
 
Forum: Personal Consumer Issues
Topic: Tour travelling by bus
Replies: 36
Views: 1856

Re: Tour travelling by bus

I recommend Green Tortoise . I'm not associated with them in any way other than as a satisfied customer. It isn't for everyone, but it's just about the best available for those whom it is for. PJW I REALLY like this concept of a sleeper coach - but the vegetarian diet would be a bit tricky for me. ...
by Phineas J. Whoopee
Wed Sep 17, 2014 7:35 pm
 
Forum: Personal Consumer Issues
Topic: Tour travelling by bus
Replies: 36
Views: 1856

Re: "Password Therapy"

Has anyone heard of this and use it? Basically, it's where one creates computer passwords that serve as prompts for self-improvement such lose10pounds, quitsmoking, getmoresleep, etc. It sounds like a great way to make one's passwords more predictable, thereby relegating oneself to low-hanging-frui...
by Phineas J. Whoopee
Wed Sep 17, 2014 5:13 pm
 
Forum: Personal Consumer Issues
Topic: "Password Therapy"
Replies: 3
Views: 321

Re: Which debt to tackle first?

ryman554 wrote:...
3. If you do drop 100k, you can ask your lender to reamortize the loan. I forget the correct term ("restate"?), but some will do that for you instead of costing out the refi. So you can "get credit". Just don't try this every month.

Recast.
PJW
by Phineas J. Whoopee
Wed Sep 17, 2014 4:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which debt to tackle first?
Replies: 21
Views: 1159

Re: Inflation Bonds - Staying the Course?

My own personal analysis of my own personal situation is presently I'm highly exposed to inflation risk. That is to say, should inflation go up a lot it would hurt me badly. Accordingly I have a large chunk of inflation-linked investments. Their purpose isn't to maximize return, but rather to reduce...
by Phineas J. Whoopee
Wed Sep 17, 2014 3:18 pm
 
Forum: Investing - Theory, News & General
Topic: Inflation Bonds - Staying the Course?
Replies: 42
Views: 2510

Re: Which debt to tackle first?

... ... Lastly, I am not sure what you mean when you say "aren't given credit for paying ahead" on the mortgage. Like with a car loan (or cc payment), any overpayment is applied to future payments. In other words, you pay enough over time and your monthly payment would be reduced to 0 for...
by Phineas J. Whoopee
Wed Sep 17, 2014 2:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which debt to tackle first?
Replies: 21
Views: 1159

Re: Stable value funds with tickers?

OK, thanks for the inputs. Still, these (and many other retirement account investments) could use more transparency. Agreed. I'm having a hard time understanding how a fund that includes many different financial instruments, at least some of which are priced daily by the market, could result in a f...
by Phineas J. Whoopee
Wed Sep 17, 2014 12:52 am
 
Forum: Investing - Theory, News & General
Topic: Stable value funds with tickers?
Replies: 8
Views: 695

Re: Impulse Buy vs. Investment Strategy

Hi FJoeC, and welcome to the forum! You're absolutely right. You should not make investing decisions on impulse. With a three-to-five year investment horizon neither long-term bonds nor stocks are appropriate at all. CDs are probably a good choice, especially if you can narrow down the time frame. S...
by Phineas J. Whoopee
Tue Sep 16, 2014 9:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Impulse Buy vs. Investment Strategy
Replies: 5
Views: 488

Re: Vanguard's Website - Bad, or just me?

Investors here who like Vanguard mostly like them for their low-cost offerings. Not everybody agrees about sticking with broad-market index funds. The box they come in is less important.

The map is not the territory.

PJW
by Phineas J. Whoopee
Tue Sep 16, 2014 9:20 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard's Website - Bad, or just me?
Replies: 36
Views: 2240

Re: What evidence would prove the Boglehead mentality wrong?

I'm 26 and hopefully should have a long time of investing ahead of me. The benefits of holding a mix of stocks and bonds index funds in a passive investing style is relatively new relative to the length of developed human history. While unlikely, it's entirely possible that at some point during my ...
by Phineas J. Whoopee
Tue Sep 16, 2014 6:12 pm
 
Forum: Investing - Theory, News & General
Topic: What evidence would prove the Boglehead mentality wrong?
Replies: 77
Views: 4601

Re: Bond Fund Duration ?

Given that a bond funds duration is perpetual , and there is no maturity date where one can expect to receive their principal back, if someone was relying/expecting to be able to spend their bond fund dividends and then sell their fund at a future date to receive their principal back, they may be u...
by Phineas J. Whoopee
Tue Sep 16, 2014 5:22 pm
 
Forum: Investing - Theory, News & General
Topic: Bond Fund Duration ?
Replies: 13
Views: 841

Re: Tour travelling by bus

Most mainstream domestic and European structured travel bus tours tend to have more women then men as participants. While some women travel with spouses quite a few travel with a sister or other female friend. If you're a guy traveling by yourself you'll likely become the center of someone's attent...
by Phineas J. Whoopee
Tue Sep 16, 2014 4:50 pm
 
Forum: Personal Consumer Issues
Topic: Tour travelling by bus
Replies: 36
Views: 1856

Re: More Bond Questions?

Okay, so bottom line, things can correct themselves over time, but it might take time, thus the reason bonds are not a sure-deal, though, your market value should drop less with bonds than stocks, so they do serve their purpose. The only question is whether to play the bond game at all, nowadays, a...
by Phineas J. Whoopee
Tue Sep 16, 2014 4:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: More Bond Questions?
Replies: 9
Views: 621

Re: Index Funds Add to demand or follows ?

Do You think that Index Funds Add to Demand or Follows Demand Pricing? There's a Market out there. The market has participants. It also has components, which in this case, are stocks. If there's more investor demand for stocks, the aggregate value of the market will rise, even before taking IPOs in...
by Phineas J. Whoopee
Tue Sep 16, 2014 4:07 pm
 
Forum: Investing - Theory, News & General
Topic: Index Funds Add to demand or follows ?
Replies: 4
Views: 576

Re: Reconstructing Vanguard's International Fund in 401k

... So TSM has ~3700 and S&P 500 is the 500 Largest while Russel 2000 is about the 1000th-3000th largest. So presumably we are missing 500 mid-large cap companies and 700 way small ones then. That's a bit more balanced I guess. ... For the record, the S&P 500 is not the 500 largest-cap stoc...
by Phineas J. Whoopee
Tue Sep 16, 2014 4:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reconstructing Vanguard's International Fund in 401k
Replies: 12
Views: 684

Re: Stable value funds with tickers?

Inherent in all stable value funds is an insurance component. Insurers pool risk. No individual can pool their own risk with h/er/imself. It's hard to say what a SVF ticker might look like. The funds, when they're working properly (which is at least almost always), maintain a stable $1.00 NAV, and y...
by Phineas J. Whoopee
Tue Sep 16, 2014 3:51 pm
 
Forum: Investing - Theory, News & General
Topic: Stable value funds with tickers?
Replies: 8
Views: 695

Re: how to use I-Bonds as an Emergency Fund?

... Just keep in mind cashing out the I-Bonds will be taxable. The same goes for using your traditional IRA. ... To help clarify, it's only the interest, including the inflation adjustments, which will be taxed for I Bond sales. The entire amount of an IRA distribution is taxable income. That's fai...
by Phineas J. Whoopee
Tue Sep 16, 2014 3:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: how to use I-Bonds as an Emergency Fund?
Replies: 9
Views: 1169

Re: EmergencyFund Analogy.Avoiding risk completely unreasona

The most recent discussion (on another site) I happened upon threw multiple red flags personally and hammered home why I am considering all ibonds instead of the many other approaches (e.g. stock/bond allocation, tiered approach, minis, intermediate bonds, etc.) for my emergency fund. The general s...
by Phineas J. Whoopee
Tue Sep 16, 2014 3:19 pm
 
Forum: Investing - Theory, News & General
Topic: EmergencyFund Analogy.Avoiding risk completely unreasonable?
Replies: 4
Views: 619

Re: More Bond Questions?

... At the same time, do we expect that the nav eventually rises back to its previous level ? (I believe it has after last year's big drop.) No, that's not a realistic expectation , even though it can happen of course. Or do you just have to hang on to the fund long enough for the increased interes...
by Phineas J. Whoopee
Tue Sep 16, 2014 3:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: More Bond Questions?
Replies: 9
Views: 621

Re: Tour travelling by bus

I recommend Green Tortoise. I'm not associated with them in any way other than as a satisfied customer. It isn't for everyone, but it's just about the best available for those whom it is for.
PJW
by Phineas J. Whoopee
Tue Sep 16, 2014 2:07 pm
 
Forum: Personal Consumer Issues
Topic: Tour travelling by bus
Replies: 36
Views: 1856

Re: Interest rates

... So yes there are people like my mother who have a substantial survivor's pension, CDs, stocks and a house. But most Americans probably have SS, a small private pension (or government one) , and their home equity. Maybe $20k in CDs. ... Just to correct a common misperception, the vast majority o...
by Phineas J. Whoopee
Sun Sep 14, 2014 4:55 pm
 
Forum: Investing - Theory, News & General
Topic: Interest rates
Replies: 12
Views: 1394

Re: Invest Through Public Employer Investment Portfolio?

Hi palarry, and welcome to the forum! ... My questions are: Would using this fund as my stock fund be wise or is this akin to an Enron employee having invested in Enron stock ? No. Not by any means. When Enron employees lost their jobs because of their employer's collapse all their company stock wen...
by Phineas J. Whoopee
Sun Sep 14, 2014 3:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Invest Through Public Employer Investment Portfolio?
Replies: 2
Views: 238

Re: Glitchy Web-Browsing

Hi retiredjg, Don't worry - in today's complex world everybody has areas of ignorance. I try to carefully cultivate mine. :happy Just to chime in, my ISP has DNS problems sometimes, and they're usually clustered over a day or two. I did, initially, try resetting my modem, which seemed to help, but w...
by Phineas J. Whoopee
Sat Sep 13, 2014 12:42 pm
 
Forum: Personal Consumer Issues
Topic: Glitchy Web-Browsing
Replies: 21
Views: 907

Re: Interest rates

With lower interest rates there should be more economic activity than if they were higher. That's why the Fed is keeping short-term rates low right now. Except of course, as you noted, it reduces the income of savers and many Seniors. So at least 13% of the population is probably spending considera...
by Phineas J. Whoopee
Thu Sep 11, 2014 5:31 pm
 
Forum: Investing - Theory, News & General
Topic: Interest rates
Replies: 12
Views: 1394

Re: Interest rates

... Are their other benefits and drawbacks to raising interest rates? The topic of raising interest rates seems to be in my paper every day. Yet, a complete description of why, when and what happens after is woefully lacking in their reporting. So, I turn to the forum... I cannot possibly provide t...
by Phineas J. Whoopee
Thu Sep 11, 2014 5:05 pm
 
Forum: Investing - Theory, News & General
Topic: Interest rates
Replies: 12
Views: 1394

Re: What type of Gov bonds ETF should I own

Short vs. long isn't immediately clear, given what you've told us. For US treasuries that will hold up well during most interest rate increases, which you asked for, it's short-term; and for the same that will do well during equity bear markets, which you also asked for, it's most likely intermediat...
by Phineas J. Whoopee
Thu Sep 11, 2014 3:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: What type of Gov bonds ETF should I own
Replies: 4
Views: 533

Re: Beginner questions, don't shoot

I still lack understanding about dividends in ETF... They're not actually paid out to my taxable broker account in cash, are they? again my previous two questions. Sorry, for asking obvious things. ;) :shock: ... If you, as Valuethinker recommended against, use a US-listed ETF, yes, it will pay out...
by Phineas J. Whoopee
Thu Sep 11, 2014 1:31 pm
 
Forum: Investing - Theory, News & General
Topic: Beginner questions, don't shoot
Replies: 10
Views: 1472

Re: Bond Allocation

... Pertaining to what I want my bond allocation to do: added diversification What you have now and your proposed 1/3 x 3 FI allocation both look good to me. decreased volatility Can be achieved by shortening duration, and by increasing quality but you're already heavily into treasury securities so...
by Phineas J. Whoopee
Thu Sep 11, 2014 1:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond Allocation
Replies: 10
Views: 1640

Re: Future direction of U.S. stock market

MossySF wrote:I will make this prediction -- the graph will go from left to right. I have yet to see anybody make a time-value graph go right->left.

May I introduce you to some of my middle-eastern friends? :happy
PJW
by Phineas J. Whoopee
Wed Sep 10, 2014 10:15 pm
 
Forum: Investing - Theory, News & General
Topic: Future direction of U.S. stock market
Replies: 23
Views: 2083

Re: Why did REITs drop today?

... I'm trying to figure out why REITs fell 1.58% today, even though the rest of the stock market did okay. ... I don't know, but let me ask you, are you an investor who weights REITs above their market cap for diversification? If so, you should be happy they and the total stock market don't track ...
by Phineas J. Whoopee
Wed Sep 10, 2014 10:12 pm
 
Forum: Investing - Theory, News & General
Topic: Why did REITs drop today?
Replies: 26
Views: 3970

Re: What type of assets can a lawyer see that you have?

As implied above, it has nothing to do with whether the person having a look is a lawyer. Anybody with the determination and reason to spend time and money can find out a lot. Actually, in today's information age, it doesn't even take much of either to get a good idea. If there's a lawsuit the judge...
by Phineas J. Whoopee
Wed Sep 10, 2014 9:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: What type of assets can a lawyer see that you have?
Replies: 32
Views: 3947

Re: It appears that Ally Bank just increased their Savings R

Cut-Throat wrote:...
Some people disagree with you.
...

ack
PJW
by Phineas J. Whoopee
Wed Sep 10, 2014 9:39 pm
 
Forum: Investing - Theory, News & General
Topic: It appears that Ally Bank just increased their Savings Rate.
Replies: 11
Views: 2402

Re: It appears that Ally Bank just increased their Savings R

It's like getting a 3.5% raise... sorta. Better, I would say, because we get it without payroll taxes. :happy PJW Still gotta pay income taxes. State and Federal. Sure, but those aren't payroll taxes , which means Social Security and Medicare tax. Of course, it also implies the interest won't quali...
by Phineas J. Whoopee
Wed Sep 10, 2014 8:40 pm
 
Forum: Investing - Theory, News & General
Topic: It appears that Ally Bank just increased their Savings Rate.
Replies: 11
Views: 2402

Re: Vangaurd STAR

Hmm, let's say "hypothetically" I made a big mistake and already invested in the STAR fund. Can I transfer the money to the target retirement fund if I "hypothetically" put money in the Star Fund a few days ago. Hypothetically. If it was a mistake, it wasn't a big one. On 4 Sept...
by Phineas J. Whoopee
Wed Sep 10, 2014 8:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vangaurd STAR
Replies: 31
Views: 1915

Re: Beginner questions, don't shoot

Hello everyone, Hi mro02rz2qz, and welcome to the forum. I'm a well-traveled but thoroughly US-based investor. I'll do my best to answer what I can, and identify what I can't. I'm a 29M that is considering his retirement options and living in EU, I have several questions about ETFs. 1) I'm consider...
by Phineas J. Whoopee
Wed Sep 10, 2014 8:06 pm
 
Forum: Investing - Theory, News & General
Topic: Beginner questions, don't shoot
Replies: 10
Views: 1472

Re: Fixed income placement

In your situation I would carefully consider leaving the bond allocation in tax-advantaged as it is, and if you've more to invest buying Vanguard's Total Stock Market Index Fund , VTSMX, and/or Total International , VGTSX, in taxable, at much lower expense ratios than the JP Morgan fund, 0.17% and 0...
by Phineas J. Whoopee
Wed Sep 10, 2014 7:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fixed income placement
Replies: 7
Views: 868

Re: It appears that Ally Bank just increased their Savings R

jstrazzere wrote:It's like getting a 3.5% raise... sorta.

Better, I would say, because we get it without payroll taxes. :happy
PJW
by Phineas J. Whoopee
Wed Sep 10, 2014 7:16 pm
 
Forum: Investing - Theory, News & General
Topic: It appears that Ally Bank just increased their Savings Rate.
Replies: 11
Views: 2402

Re: What are the benefits of a good credit score?

Pay your bills on time, use relatively little of your revolving credit lines, and live your life as a responsible person and your credit score should take care of itself. A few points one way or another are unlikely to make a difference in anything that matters. It's gas stations and department stor...
by Phineas J. Whoopee
Wed Sep 10, 2014 6:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: What are the benefits of a good credit score?
Replies: 16
Views: 1226
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