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Re: Boglehead used car problem. Run It or ditch it?

Typically, I am in the drive it into the ground person when it comes to cars. You put almost $5k in the car about 15,000 miles ago and it runs great. Plus you say that the trade in will only be a little bit more. Keep an eye on the tranny fluid and drive it into the ground. Even if you have to spend...
by Random Musings
Thu Apr 17, 2014 10:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Boglehead used car problem. Run It or ditch it?
Replies: 15
Views: 925

Re: Let's say we live for 150 years...

That would certainly throw a wrench in the works with SS and pension plans. The NIH has a paper that currently caps in at 125 years using a modified stretched exponential function for human survival curves. There is also caps on life based on the Hayflick limit, which is based upon how many times ce...
by Random Musings
Thu Apr 17, 2014 1:24 pm
 
Forum: Investing - Theory, News & General
Topic: Let's say we live for 150 years...
Replies: 12
Views: 1593

Re: Blog:Frank Armstrong Ideal Index portfolio

Ignoring the REIT's and bonds, he's basically 50/50 US/Int'l on the equity side.

Following in_reality, why no breakout in REIT's? Vanguard's int'l REIT fund is relatively low cost.

So many ways to Dublin.

RM
by Random Musings
Thu Apr 17, 2014 11:21 am
 
Forum: Investing - Theory, News & General
Topic: Blog:Frank Armstrong Ideal Index portfolio
Replies: 2
Views: 439

Re: Baby Boomers: Top 10 Movies

What the world really needs is another movie list. Saying that, one of my favorite movie lists is the all time domestic box office inflation adjusted list - adjusted by ticket pricing. My oldest daughter was upset that Frozen isn't in the top 100 (yet). But this does give a flavor of what movies wer...
by Random Musings
Wed Apr 16, 2014 2:32 pm
 
Forum: Personal Consumer Issues
Topic: Baby Boomers: Top 10 Movies
Replies: 33
Views: 1967

Re: Stocks: How Bad It Can Get

Let's see how it looks after the Yellowstone eruption crisis. Perhaps not, we'll most likely be all be ash (or bones) before getting dumped on by fresh ash. Then a new bull market will start. :D

RM
by Random Musings
Wed Apr 16, 2014 1:17 pm
 
Forum: Investing - Theory, News & General
Topic: Stocks: How Bad It Can Get
Replies: 72
Views: 5311

Re: What is your net worth

Another big swinging wallets thread......

RM
by Random Musings
Wed Apr 16, 2014 1:12 pm
 
Forum: Investing - Theory, News & General
Topic: What is your net worth
Replies: 37
Views: 5319

Re: You don't want to be member of the hedge fund club

But I think it would be excellent to be part of the hedge fund club.

Oh, wait a second, you are talking about the customer.........

RM
by Random Musings
Wed Apr 16, 2014 11:40 am
 
Forum: Investing - Theory, News & General
Topic: You don't want to be member of the hedge fund club
Replies: 12
Views: 1862

Re: GMO Forecasts now include Value and Growth

Should we really pay attention to GMO's forecasts, let alone anyone's? I think not... There has been an analysis that showed that GMO's forecasts are pretty decent in terms of "ranking" forward returns of the various asset classes. Of course, past history does not guarantee...... But it l...
by Random Musings
Wed Apr 16, 2014 11:39 am
 
Forum: Investing - Theory, News & General
Topic: GMO Forecasts now include Value and Growth
Replies: 17
Views: 1069

Re: Looking at top 1% for actionable insight

Wealth Tier----------------------------------------Count---------Mean Net Worth Under $2 million in gross assets---------------449,000--------$1,046,619 $2 million to $3.5 million in gross assets----1,008,000------$2,593,065 $3.5 million to $5 million in gross asset------364,000--------$4,151,220 $...
by Random Musings
Tue Apr 15, 2014 11:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking at top 1% for actionable insight
Replies: 62
Views: 5675

Re: GMO Forecasts now include Value and Growth

They did do this in the past for a little bit, but discontinued for a while. Interesting that domestic equities are favoring the growth component, while intl favors value.

RM
by Random Musings
Tue Apr 15, 2014 10:49 pm
 
Forum: Investing - Theory, News & General
Topic: GMO Forecasts now include Value and Growth
Replies: 17
Views: 1069

Re: Proper Money management and itinerary for Europe trip

Perhaps your lodging/travel is already locked in, but I would spend more time in Venice. 2 1/2 days does not do it justice.

RM
by Random Musings
Mon Apr 14, 2014 4:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Proper Money management and itinerary for Europe trip
Replies: 36
Views: 1726

Re: Stock AA

There are a lot of people who consider themselves to be very successful investors. Most of them, most likely are not when risk adjusted. First question to ask: Does the allocation (equity/bond) he recommends match your need of risk as stated in your IPS Second question to ask: Does the allocation of...
by Random Musings
Mon Apr 14, 2014 4:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stock AA [Asset Allocation]
Replies: 11
Views: 673

Re: Whats with the internet cap-100GB/ month?

As a benchmark, I get 200 GB for $45/month. However, only 15/3 speed. If I want to get 30/3, that's $60/month. That's the best available for my area, and I don't need that speed.

RM
by Random Musings
Mon Apr 14, 2014 3:20 pm
 
Forum: Personal Consumer Issues
Topic: Whats with the internet cap-100GB/ month?
Replies: 11
Views: 1163

Re: Source of the value premium, review of some of the resea

http://www.etf.com/sections/index-investor-corner/21796-swedroe-a-closer-look-at-value-premiums.html thought this would be of interested given the many discussions on the topic Larry These days, the postings tend to strongly favor "where's the beef" when it comes to value premiums. For th...
by Random Musings
Mon Apr 14, 2014 11:33 am
 
Forum: Investing - Theory, News & General
Topic: Source of the value premium, review of some of the research
Replies: 1
Views: 268

Re: What % of stock market "drive" is gambling?

I believe that all investments, including treasuries have a 100% gambling component, no different than playing the slots. The difference is that the calculated risk is far more palatable for most investments we discuss about on this board. Expected returns on our bets are usually favorable over long...
by Random Musings
Sun Apr 13, 2014 9:07 pm
 
Forum: Investing - Theory, News & General
Topic: What % of stock market "drive" is gambling?
Replies: 36
Views: 3338

Re: My financial advisor doubt

First question is what types of services is this advisor providing you? If it is only to manage the $2MM in assets and deploy into DFA funds, I would attempt to negotiate lower and see what their counter is.

But it sounds like you already have a bad taste in your mouth.

RM
by Random Musings
Sun Apr 13, 2014 8:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: My financial advisor doubt
Replies: 28
Views: 3145

Re: Howard Marks latest memo

But are you going to count on cap gains for long-term returns for bonds? No. I am going to exchange all my bonds to Total US stock market index for the rest of the year, so that I will beat by 4% the 2014 return of TSM without even trying. Market timing at it's finest. Come to think of it, a great ...
by Random Musings
Sat Apr 12, 2014 9:44 pm
 
Forum: Investing - Theory, News & General
Topic: Howard Marks latest memo
Replies: 12
Views: 1283

Re: Do target retirement accounts rebalance for you?

First time poster. I recently opened an employee retirement account and selected the Vansgaurd 2050 target retirement account. Does this account automatically rebalance it's asset classes? If so, does it do so based on a target percentage or based on a specific amount of time elapsed? Yes and yes. ...
by Random Musings
Sat Apr 12, 2014 9:37 pm
 
Forum: Investing - Theory, News & General
Topic: Do target retirement accounts rebalance for you?
Replies: 3
Views: 424

Re: Stock markets in free fall?

tainted-meat wrote:Bonds are still a waste of time for young investors (<40yrs) who plan on retiring at 55 or later, even if the market drops another 30-40%. The market has risen well over that in the last few years and bonds would have been a major drag on returns.


Triumph of the optimists.

RM
by Random Musings
Sat Apr 12, 2014 7:44 am
 
Forum: Investing - Theory, News & General
Topic: Stock markets in free fall?
Replies: 92
Views: 6501

Re: gold , silver and copper

It's a wonderful half-life. Paging Munchkin Man......

RM
by Random Musings
Fri Apr 11, 2014 10:01 pm
 
Forum: Investing - Theory, News & General
Topic: gold , silver, copper and uranium only
Replies: 46
Views: 2226

Re: heartbleed - widespread internet security problem

A couple of notes about what Vanguard (or anyone else) is or is not saying: 1. There were only certain versions of OpenSSL that contained the bug. If Vanguard was using one of the earlier versions that did not contain the TLS/SSL heartbeat code, they were not vulnerable. 2. If they did not use or a...
by Random Musings
Fri Apr 11, 2014 9:49 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 15886

Re: Mr. Money Mustache: Hero or Foolish?

Thank you for your kind comment Wildebeest. I'm kind of new here and still trying to figure out what I have to offer the Bogleheads. All I got is what I have. Mr. MM's promise is more than just that he will tell you a story. He says, "You poor sap. Why dwell in the gloom of ordinariness any lo...
by Random Musings
Fri Apr 11, 2014 1:28 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 225
Views: 23817

Re: Reflections on RYOCX

However, M* strangely gives RYOCX a 4 star rating (versus QQQ's 5 star rating).

Another data point that proves that M* ratings can mean very little. Unless 100 bps in expense ratio's cost you a star. :oops:

RM
by Random Musings
Fri Apr 11, 2014 12:30 pm
 
Forum: Investing - Theory, News & General
Topic: Reflections on RYOCX [Rydex Series Trust Nasdaq-100 Index]
Replies: 2
Views: 247

Re: Brown bagging in a more formal office

Corporate office - small group with mostly key executives. I bring my lunch in insulated tote. Others bring in paper or plastic bags and some drive out to pick up food and bring it back to office. Or go to the dreaded vending machine which I avoid. We get catered lunches about twice a month. Nothin'...
by Random Musings
Fri Apr 11, 2014 12:19 pm
 
Forum: Personal Consumer Issues
Topic: Brown bagging in a more formal office
Replies: 43
Views: 2959

Re: Some websites are.......

pennstater2005 wrote:I'm still in the accumulation phase and hope for a correction. I'm tired of buying in at new highs.


Then you would have not wanted to been an investor from the period from 1974-2000. Lots of new highs them. You would have been exhausted. :)

RM
by Random Musings
Fri Apr 11, 2014 11:03 am
 
Forum: Investing - Theory, News & General
Topic: Some websites are.......[predicting stock market correction]
Replies: 14
Views: 1228

Re: BH Greatest Hits: PE10 predicitive power

Of course, even if today's Oldsmobiles 25 is yesterdays 20, there still should be times in history when it moves below the average for a reasonable period of time. Historically, that is when stocks are truly despised and these PE 10 troughs last for a few years. If we use Larry's metrics, the only t...
by Random Musings
Fri Apr 11, 2014 11:01 am
 
Forum: Investing - Theory, News & General
Topic: BH Greatest Hits: PE10 predictive power
Replies: 39
Views: 2856

Re: 5 yr TIPs auction announced 4/10- any takers?

rate as of 4/10 is -0.10.

Doc, any reason you are buying a large amount of these, or just part of your IPS?

RM
by Random Musings
Fri Apr 11, 2014 5:58 am
 
Forum: Investing - Theory, News & General
Topic: 5 yr TIPs auction announced 4/10- any takers?
Replies: 36
Views: 2938

Re: REITS up (Still impossible to time the mkt)

Alright, I did a bit of research. REITs are often valued using their NAV. Basically, investors look to see if it costs more to buy a REIT than it would cost to directly buy the property that the REIT owns. Here is what the current NAV looks like for domestic REITs . http://www.snl.com/Images/RealEs...
by Random Musings
Thu Apr 10, 2014 11:05 pm
 
Forum: Investing - Theory, News & General
Topic: REITS up (Still impossible to time the mkt)
Replies: 13
Views: 1915

Re: Is there an alternative view ? [Alternatives to index fu

Perhaps I should make it a little clearer. Has anyone read a body of evidence that says this is *not* the right approach - apart from marketing departments of active fund managers... Thanks Richard Not ones I would trust. Index/passive is the way to go. Spend your time improving your human capital ...
by Random Musings
Thu Apr 10, 2014 10:05 pm
 
Forum: Investing - Theory, News & General
Topic: Is there an alternative view ? [Alternatives to index funds]
Replies: 14
Views: 1303

Re: 20+ Year Treasury Bond

Speaking of the PP, it's been relatively quiet with respect to postings recently.

RM
by Random Musings
Thu Apr 10, 2014 9:59 pm
 
Forum: Investing - Theory, News & General
Topic: 20+ Year Treasury Bond
Replies: 6
Views: 656

Re: BH Greatest Hits: PE10 predicitive power

The most recent Hussman article has a chart that illustrates that market capitalization to GDP has the best predictive power of all.

Of course, there are no guarantees that this will work in the future.

RM
by Random Musings
Wed Apr 09, 2014 12:55 pm
 
Forum: Investing - Theory, News & General
Topic: BH Greatest Hits: PE10 predictive power
Replies: 39
Views: 2856

Re: Netflix & Red Box

Redbox works. Depending on location, may have to time your purchases if you want to get the hot releases and not wait a few weeks. I'm enjoying House of Cards, but never put it up on the pedestal to begin with. Weeds was good, but that series degraded over time. Only in the second year of Dexter, bu...
by Random Musings
Wed Apr 09, 2014 12:52 pm
 
Forum: Personal Consumer Issues
Topic: Netflix & Red Box
Replies: 26
Views: 1469

Re: Expensive med. test not covered by insurance

I think every patient should ask for pricing before proceding with various medical cares (except for dire emergencies, where time is of the essence). They also should check to see if they have insurance coverage. However, I find it lacking if a doctor doesn't convey to their patients an idea of what...
by Random Musings
Wed Apr 09, 2014 12:46 pm
 
Forum: Personal Consumer Issues
Topic: Expensive med. test not covered by insurance
Replies: 74
Views: 3512

Re: Why shouldn't i invest mostly in value funds?

If you are going to be a value tilter, you will have to stay the course no different than one who doesn't tilt. Buyers regret can come in many forms.

RM
by Random Musings
Tue Apr 08, 2014 9:33 pm
 
Forum: Investing - Theory, News & General
Topic: Why shouldn't i invest mostly in value funds?
Replies: 22
Views: 1414

Re: How do you walk away from a good job?

You have to decide what are the most important things in life to you. All work? All play? Something in between? Think about it. In your situation, you have the flexibility to make the choice on what direction you want to go. Many people do not have this level of flexibility. In your case, it is not ...
by Random Musings
Tue Apr 08, 2014 4:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you walk away from a good job?
Replies: 29
Views: 3309

Re: Market falling emotions

So far (at least) the move down has been 3-7% for most indices. A little bounce back today.

Wake me up if the markets move enough where I have to rebalance.

Remember the fun during the last bear when the REIT index was moving 5-10% a day. Now, that's volatility.

RM
by Random Musings
Tue Apr 08, 2014 4:09 pm
 
Forum: Investing - Theory, News & General
Topic: Market falling emotions
Replies: 31
Views: 2097

Re: Which parts of the financial industry are improving?

Epsilon Delta wrote:What is not improving is that deception and even outright lying are still the principle sales tools of most of the industry.


I disagree with that. They are always working on improving their techniques to deceive the public.

RM
by Random Musings
Tue Apr 08, 2014 12:17 pm
 
Forum: Investing - Theory, News & General
Topic: Which parts of the financial industry are improving?
Replies: 10
Views: 818

Re: What next after you have enough sort of.

Of course, you can save more to retire earlier. OTOH, you can spend a little more now in your youth doing things you may or may not be able to do 10 years plus from now.

RM
by Random Musings
Tue Apr 08, 2014 12:05 pm
 
Forum: Investing - Theory, News & General
Topic: What next after you have enough sort of.
Replies: 31
Views: 3318

Re: Is Alpha Dead?

To paraphrase Frank Zappa:

"Alpha isn't dead. It just smells funny"

RM
by Random Musings
Tue Apr 08, 2014 9:14 am
 
Forum: Investing - Theory, News & General
Topic: Is Alpha Dead?
Replies: 38
Views: 2082

Re: Do I take the separation package offer?

April 1st was almost a week ago.

RM
by Random Musings
Mon Apr 07, 2014 10:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I take the separation package offer?
Replies: 50
Views: 4430

Re: Anyone else very reluctant to buy right now?

I just bought some more Total International Stock Market. Please stay out, so when you come rushing back in, my share prices will rise even more dramatically. In the meantime, I'll continue to reinvest those 3% current yields. Uh-oh. Now that Grt2bOutdoors has bought, I want to cancel my exchange n...
by Random Musings
Mon Apr 07, 2014 2:02 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone else very reluctant to buy right now?
Replies: 124
Views: 11607

Re: Delaying Social Security - best long-term investment?

Hmmmm. For people who are very well off, this type of decision is not huge as estate at TOD won't be materially significant on what choice is made. For people who are struggling or with minimal retirement savings, they most likely will need the SS now. That's a reasonable portion of retirees. Throw ...
by Random Musings
Mon Apr 07, 2014 11:29 am
 
Forum: Investing - Theory, News & General
Topic: Delaying Social Security - best long-term investment?
Replies: 78
Views: 3607

Re: Do Advisors Help or Hinder?

There are advisors that help and others that hinder. The problem is that, generally speaking, people on this board can discern the difference, but for many out there in the non-Boglehead world, choosing an advisor is like throwing darts because a good number of people out there just can't handle bas...
by Random Musings
Sun Apr 06, 2014 3:39 pm
 
Forum: Investing - Theory, News & General
Topic: Do Advisors Help or Hinder?
Replies: 7
Views: 587

Re: How are you preparing for the coming bear market

Put a Post-It on the fridge to remind myself that I'll have to rebalance back into stocks, not into bonds if the market goes down a bit.

RM
by Random Musings
Sun Apr 06, 2014 3:32 pm
 
Forum: Investing - Theory, News & General
Topic: How are you preparing for the coming bear market
Replies: 104
Views: 7777

Re: Potential Move - NYC to Charleston SC

My wife and I are looking to move to a lower cost of living area with better weather. We currently make $250k - $350k per year in NYC. This doesn't go very far and we live in a 1200 SqFt apartment for $4k per month. We are looking to move south for a better quality of life. Our income would only go...
by Random Musings
Sat Apr 05, 2014 8:17 am
 
Forum: Personal Consumer Issues
Topic: Potential Move - NYC to Charleston SC
Replies: 16
Views: 1506

Re: 15 year vs 30 year fixed

The spread between the 15 and 30 seems a little high from the lender.

RM
by Random Musings
Sat Apr 05, 2014 8:07 am
 
Forum: Personal Finance (Not Investing)
Topic: 15 year vs 30 year fixed
Replies: 62
Views: 5539

Re: Buying for someone who "has everything"

Some wine, handcrafted beers, speciality foods and perhaps an unusual gift (or even a gag gift) if you know these people very well.

The reality is, the best gift is spending time with your friends.

RM
by Random Musings
Fri Apr 04, 2014 11:13 pm
 
Forum: Personal Consumer Issues
Topic: Buying for someone who "has everything"
Replies: 43
Views: 2289

Re: I accidentally discovered a coworkers salary... now what

With respect to finding the file ..... Do nothing.

With respect to your dismay about the salary situation...... That is an opportunity to be able to do something.

RM
by Random Musings
Fri Apr 04, 2014 10:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: I accidentally discovered a coworkers salary... now what?
Replies: 59
Views: 5430

Re: TMobile $30 plan...

We checked out coverage before we made the T-Mobile commitment. Basically, taking into consideration costs of phones, get unlimited minutes, unlimited texting and web for one (I don't need it) for the same yearly cost. Our reception is very good at the places we use it most, only a couple of drops o...
by Random Musings
Fri Apr 04, 2014 3:05 pm
 
Forum: Personal Consumer Issues
Topic: TMobile $30 plan...
Replies: 46
Views: 2506
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