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Re: Who's going to Disney this summer?

Going to bite the bullet and go in the fall. Two days, one at Magic Kingdom and one at Epcot. Hit the Clearwater area for beaches and check out FL's two national parks as well, albeit not the right season. Perhaps some other stuff. FL will be off my travel list, just AK and ND to go. When I was a ki...
by Random Musings
Thu Mar 05, 2015 10:10 pm
 
Forum: Personal Consumer Issues
Topic: Who's going to Disney this summer?
Replies: 66
Views: 3775

Re: Dave Ramsey says you shouldn't own bonds?

If Dave Ramsey told everyone to jump off a bridge, I would not follow his advise.

Same with bonds.

RM
by Random Musings
Sat Feb 07, 2015 10:31 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says you shouldn't own bonds?
Replies: 64
Views: 8811

Re: Shiller: "Become a smart beta person"

Shiller was speaking at a media seminar at Barclays Plc to promote asset-management firm Ossiam’s new exchange traded fund, which will invest in Europe using Shiller’s CAPE model for identifying long-term under and over valuations of equities.


'Nuff said.

RM
by Random Musings
Mon Feb 02, 2015 12:06 pm
 
Forum: Investing - Theory, News & General
Topic: Shiller: "Become a smart beta person"
Replies: 20
Views: 2578

Re: iphone upgrade dilemma

I'm waiting for the iPhone 7, or maybe the 8 or 9. Honestly, I'm in the camp of getting, as mentioned before, a gently used 5. Unless you have to keep us with the Jones's, most of who are not in the best financial situation. Not saying that you shouldn't buy the latest and greatest, but you have to ...
by Random Musings
Sun Feb 01, 2015 7:04 pm
 
Forum: Personal Consumer Issues
Topic: iphone upgrade dilemma
Replies: 19
Views: 2266

Re: "Planet Money" is shorting SPY

Hopefully, they will realize to double down on their short once SPY is cut in half.

And repeat the process. :oops:

RM
by Random Musings
Fri Jan 30, 2015 10:04 pm
 
Forum: Investing - Theory, News & General
Topic: "Planet Money" is shorting SPY
Replies: 26
Views: 3100

Re: Wiki comments requested: The importance of asset allocat

https://advisors.vanguard.com/iwe/pdf/S ... rtPerf.pdf

Seems to have a variety of different sources in paper. Illustrates how active/passive portfolio management can affect the percentage.

RM
by Random Musings
Thu Jan 29, 2015 9:52 pm
 
Forum: Investing - Theory, News & General
Topic: Wiki comments requested: The importance of asset allocation
Replies: 208
Views: 10320

Re: High Expense Funds vs Vanguard: No Difference?

Longer time frames, large sample size - active management fails in the aggreagate when compared to appropriate benchmarks.

For the second, one sample comparison and 6 years doesn't mean anything except for in your case.

RM
by Random Musings
Wed Jan 28, 2015 3:20 pm
 
Forum: Investing - Theory, News & General
Topic: High Expense Funds vs Vanguard: No Difference?
Replies: 37
Views: 2746

Re: Wealthfront automated investment service

For a lot of people, having these low cost providers handle their money so they stay the course is probably a good idea.

IMHO, I think the key is for the "automated" services to work with clients with respect to their risk needs. And to revisit those needs when applicable.

RM
by Random Musings
Wed Jan 28, 2015 3:13 pm
 
Forum: Investing - Theory, News & General
Topic: Wealthfront automated investment service
Replies: 19
Views: 1679

Re: Seeking a financial adviser

At any time, there are always good coin flippers to be had out there. However, they don't even know if heads or tails will pop up the next time. A good, ethical, low cost advisor with a CFP most likely is not going to put in trailing stops and buy back stock the market bottom using their crystal bal...
by Random Musings
Mon Jan 26, 2015 10:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Seeking a financial adviser
Replies: 9
Views: 920

Re: Is it time to buy the Greek Index or Euro?

livesoft wrote:You are kinda mistaken about the Euro and European stocks. Something else happened recently in Europe. Do you know what it was?



Indeed. Mötley Crüe has announced their European tour dates for their final concert tour. Not sure if they are going to Switzerland, however.

RM
by Random Musings
Mon Jan 26, 2015 10:36 pm
 
Forum: Investing - Theory, News & General
Topic: Is it time to buy the Greek Index or Euro?
Replies: 8
Views: 1711

Re: What's wrong with volatility if buy&hold

Volatility can be tough on a buy and holder if it shakes the mettle of one and causes them not to stay the course.

The last bear was probably a good example.

RM
by Random Musings
Mon Jan 26, 2015 9:28 pm
 
Forum: Investing - Theory, News & General
Topic: What's wrong with volatility if buy&hold
Replies: 52
Views: 3499

Re: Asness - The Small-Firm Effect Is Real, and It’s Spectac

Terri Hatcher said this year's ago. Still holds true.

RM
by Random Musings
Sun Jan 25, 2015 8:47 pm
 
Forum: Investing - Theory, News & General
Topic: Asness - The Small-Firm Effect Is Real, and It’s Spectacular
Replies: 62
Views: 6653

Re: What Experts Say About Market-Timing

Market Timing - it works until is doesn't.

RM
by Random Musings
Sun Jan 25, 2015 8:43 pm
 
Forum: Investing - Theory, News & General
Topic: What Experts Say About Market-Timing
Replies: 26
Views: 4883

Re: Help with Merrill Edge Roth Account

4% back end load is 220 bucks. I'd call it a sunk cost, leave ML, and start fresh. In the long run, this event won't even be a pimple on the ......... There will be far more expensive financial mistakes that you will want to avoid/mitigate over your investing career. Stay educated and stay the cours...
by Random Musings
Sun Jan 25, 2015 12:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Help with Merrill Edge Roth Account
Replies: 10
Views: 946

Re: Where do you think the stock market heading this year?

Perhaps I am stepping out on a limb here, but I think almost all markets around the world, be it equities or bonds,will change from their 2014 year end close. I also expect the media to follow this volatility in great detail; and I will ignore their noise as well and stick to my written investment p...
by Random Musings
Sat Jan 24, 2015 11:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where do you think the stock market heading this year?
Replies: 20
Views: 1583

Re: negotiating vacation days

If you are an experienced worker and the right fit for them, I doubt that they would balk if you asked for the 21 day vacation package.

RM
by Random Musings
Fri Jan 23, 2015 10:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: negotiating vacation days
Replies: 37
Views: 2729

Re: Pick Your Poison [Vanguard vs. American Funds]

The AF choice holds some cash as well as intl equities. For a large cap blend fund like this I would compare to Primecap Core that also has some intl exposure. However, fund is closed.

Primecap mgmt team vs AF - who would you bet on?

RM
by Random Musings
Wed Jan 21, 2015 11:03 pm
 
Forum: Investing - Theory, News & General
Topic: Pick Your Poison [Vanguard vs. American Funds]
Replies: 24
Views: 3548

Re: $7 gas - what would you do?

Grumble like everyone else who is pumping gas at the time.

Either that, or buy a sturdy siphon hose.

RM
by Random Musings
Wed Jan 21, 2015 10:50 pm
 
Forum: Personal Consumer Issues
Topic: $7 gas - what would you do?
Replies: 125
Views: 18881

Re: Hedge fund loses 99.8% of all funds, $100m down to $200k

As Bluto would say to those investors:

"My advise to you is to start drinking heavily".

RM
by Random Musings
Wed Jan 21, 2015 10:34 pm
 
Forum: Investing - Theory, News & General
Topic: Hedge fund loses 99.8% of all funds, $100m down to $200k.
Replies: 59
Views: 6874

Re: “How Does Aging Affect Financial Decision Making?”

I think that keeping your brain active as you get older is important in order to mitigate the decline. Hopefully, the study that claims a 1% average decline in aptitude (starting at age 60) will only be related to active investing thoughts. I'll just have to come back to this board to be straightene...
by Random Musings
Tue Jan 20, 2015 10:24 pm
 
Forum: Investing - Theory, News & General
Topic: “How Does Aging Affect Financial Decision Making?”
Replies: 54
Views: 2830

Re: Birthday gift ideas for a 7 year old chess player

The Chessbase web site, besides covering major tournaments, occasionally has articles with tactics that the reader can attempt to solve.

RM
by Random Musings
Tue Jan 20, 2015 9:58 pm
 
Forum: Personal Consumer Issues
Topic: Birthday gift ideas for a 7 year old chess player
Replies: 19
Views: 1527

Re: "When you've won the game, stop playing"

When I look at the chart for the "six" periods of sustained growth, the fifth one looks a little weak on the logarithmic scale and that perhaps the current leg up is really the 5th period. Of course, if another bear hits, perhaps we are still waiting for #5. Too early to tell in my book. B...
by Random Musings
Tue Jan 20, 2015 9:36 pm
 
Forum: Investing - Theory, News & General
Topic: "When you've won the game, stop playing"
Replies: 83
Views: 8624

Re: The "Less Than" a Million $ Club

IMHO, monthly pensions and SS have portfolio value. I would value those as if one spent $x to purchase a FA that provides the same cash flow stream. Otherwise, comparing apples and potatoes. At least you get to compare between apples and oranges as there are liquidity issues with respect to pensions...
by Random Musings
Mon Jan 19, 2015 11:13 pm
 
Forum: Personal Consumer Issues
Topic: The "Less Than" a Million $ Club
Replies: 73
Views: 11595

Re: Traditional or Roth IRA

Also posted in investing - help with personal investment.

RM
by Random Musings
Mon Jan 19, 2015 10:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Traditional or Roth IRA
Replies: 6
Views: 504

Re: How to AA Risk Portfolio

Since the RP can be used for personal use or bequests (or both), I would partition the two groups into starting balances and invest the bequest portion at their need of risk. That parts done. The remainder (for my use) would be invested taking into consideration the timeframe I plan to utilize those...
by Random Musings
Mon Jan 19, 2015 9:57 pm
 
Forum: Investing - Theory, News & General
Topic: How to AA Risk Portfolio
Replies: 4
Views: 428

Re: Poll: Your Max. REIT Allocation

Ignoring the bond portion of my portfolio, 12%.

RM
by Random Musings
Mon Jan 19, 2015 8:58 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Your Max. REIT Allocation
Replies: 54
Views: 4208

Re: BlackRock aims to beat active and passive funds

Aiming is one thing. Hitting the target is another.

Not with my money.

RM
by Random Musings
Mon Jan 19, 2015 8:54 pm
 
Forum: Investing - Theory, News & General
Topic: BlackRock aims to beat active and passive funds
Replies: 9
Views: 1264

Re: Suze Orman: $100 into $860k, and cfiresi

JamesSFO wrote:So Suze is now saying 11%?!? Shame on her, usually she's less crazy than Ramsey.


Anecdotal evidence points to her being about 8% less crazy.

RM
by Random Musings
Mon Jan 19, 2015 7:40 pm
 
Forum: Investing - Theory, News & General
Topic: Suze Orman: $100 into $860k, and cfiresim
Replies: 47
Views: 5201

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

MnD wrote:Yay - United
Booooo - US Airways/American

Pretty good loyalty garnering move by United IMO.


I expect nothing more from US Airways, formally known as Agony Airlines.

RM
by Random Musings
Mon Jan 19, 2015 7:27 pm
 
Forum: Personal Consumer Issues
Topic: Bumped out of first class at boarding - compensation?
Replies: 61
Views: 8862

Re: garbage disposals - are these still used?

For garbage disposal maintenance issues, don't forget that Mr. Obvious is the first one to contact.

RM
by Random Musings
Sun Jan 18, 2015 7:52 pm
 
Forum: Personal Consumer Issues
Topic: garbage disposals - are these still used?
Replies: 52
Views: 3737

Re: Can't purchase Index funds at Ameriprise?

With their fees and loads, their customers can't purchase too much of anything anyway.

You can't fault them for consistency of services rendered.

RM
by Random Musings
Sat Jan 17, 2015 11:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can't purchase Index funds at Ameriprise?
Replies: 11
Views: 980

Re: Why no cult/theory/strategy of US regional stock investi

I wouldn't NASH my teeth over this topic.

RM
by Random Musings
Sat Jan 17, 2015 11:16 pm
 
Forum: Investing - Theory, News & General
Topic: Why no cult/theory/strategy of US regional stock investing?
Replies: 21
Views: 1624

Re: When your spouse isn't quite as frugal as you

If everything else about your spouse is good, and he has actually changed his financial habits at least 80/20, consider it a victory won.

RM
by Random Musings
Fri Jan 16, 2015 11:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: When your spouse isn't quite as frugal as you
Replies: 94
Views: 8780

Re: "Gold to tank in 2014: Goldman Sachs"

Never trust a word that Goldman Sachs ever says.

They are in it only for the money. Their money.

RM
by Random Musings
Thu Jan 15, 2015 11:16 pm
 
Forum: Investing - Theory, News & General
Topic: "Gold to tank in 2014: Goldman Sachs"
Replies: 112
Views: 10798

Re: Am I making a mistake being too conservative?

If you can reach your goals with a 40/60 portfolio, you are being prudent, not conservative. Being aggressive can bring upside more often than not, but the fat tail is what you are avoiding by sticking to your need of risk.

RM
by Random Musings
Thu Jan 15, 2015 11:03 pm
 
Forum: Investing - Theory, News & General
Topic: Am I making a mistake being too conservative?
Replies: 58
Views: 7639

Re: U.S. stocks in freefall

bonds are at new historic lows, notably including the 30 year. oil is down 60%. commodities are down, some at multi-year lows. Does this stuff happen without a deflationary recession soon to follow? Deflation would not be good. But does that not fly in the face of all the stimulus the Fed supplied?...
by Random Musings
Thu Jan 15, 2015 10:48 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1195
Views: 222712

Re: Swiss franc jumps as SNB abandons ceiling versus euro

Wonder who will fire the next salvo in the central bank currency war?

RM
by Random Musings
Thu Jan 15, 2015 10:38 pm
 
Forum: Investing - Theory, News & General
Topic: Swiss franc jumps as SNB abandons ceiling versus euro
Replies: 25
Views: 2294

Re: Bogleheads 2015 Hedge Fund Contest

4nursebee wrote:The shorts really ought to "freeze" things right now!


Yes, for some reason, certain longs and shorts are recorded at $0 today.

RM
by Random Musings
Mon Jan 12, 2015 9:32 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2015 Hedge Fund Contest
Replies: 126
Views: 11444

Re: What is the international portion of your portfolio and

Thanks for the replies so far. It is interesting to see how many people have between 20-40% international and how few who responded have no international equity like Mr Bogle. any and all, Keep em coming! I am actually surprised that Jack Bogle doesn't have any international. I do realize he's got ...
by Random Musings
Mon Jan 12, 2015 9:26 pm
 
Forum: Investing - Theory, News & General
Topic: What is the international portion of your portfolio and why?
Replies: 140
Views: 11994

Re: Opinions on my 4-fund 401(k)

NotRetiredYet wrote:36 years old. No other components to my portfolio at this time. This is a Roth 401(k) as well. I contribute 6% and employer matches with 7%.


Do you have an emergency fund?

RM
by Random Musings
Sun Jan 11, 2015 10:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Opinions on my 4-fund 401(k)
Replies: 10
Views: 1277

Re: What is the international portion of your portfolio and

40% of my equity holdings as per my ISP. Staying the course.

RM
by Random Musings
Sat Jan 10, 2015 11:05 pm
 
Forum: Investing - Theory, News & General
Topic: What is the international portion of your portfolio and why?
Replies: 140
Views: 11994

Re: Opinions on my 4-fund 401(k)

NotRetiredYet wrote:Readjusted to:

56% S&P 500 Index
7% S&P 400 Mid-Cap Index
5% Russell 2000 Index
22% Global Equity Fund ex-US
10% US Bond Index


For a 90/10, that will work. However, are there any more components to your portfolio (IRA's, taxable)?

RM
by Random Musings
Sat Jan 10, 2015 10:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Opinions on my 4-fund 401(k)
Replies: 10
Views: 1277

Re: Opinions on my 4-fund 401(k)

What is the entire list of palatable offerings?

Me being me, I would also max out at 80/20.

RM
by Random Musings
Fri Jan 09, 2015 10:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Opinions on my 4-fund 401(k)
Replies: 10
Views: 1277

Re: Help clarify "expected future return"

You can further compound this issue by looking at expected real returns, which are the ones you can eat.

With TIPs, there is some degree of known there, but what you actually buy from the CPI basket may differ from the composite.

RM
by Random Musings
Fri Jan 09, 2015 9:57 pm
 
Forum: Investing - Theory, News & General
Topic: Help clarify "expected future return"
Replies: 12
Views: 742

Re: Any art "investors" here?

We have purchased some originals (oils, acrylics and pastels) but only for our personal pleasure. Never have looked at them as an investment.

RM
by Random Musings
Thu Jan 08, 2015 5:51 pm
 
Forum: Personal Consumer Issues
Topic: Any art "investors" here?
Replies: 69
Views: 6032

Re: Bogleheads 2015 Hedge Fund Contest

Just curious if the automation of posting of results will still be at the link from the former contests? Thanks for organizing this again - it should be very interesting! Although that link shows certain equities on the short side going to zero - were there any ticker changes or that is just an err...
by Random Musings
Thu Jan 08, 2015 5:27 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2015 Hedge Fund Contest
Replies: 126
Views: 11444

Re: West Coast Road Trip Advice

Been to a good number of these national parks. While in Utah, may want to visit Arches NP if you have the time.

RM
by Random Musings
Mon Jan 05, 2015 11:23 pm
 
Forum: Personal Consumer Issues
Topic: West Coast Road Trip Advice
Replies: 17
Views: 2052

Re: Bogleheads 2015 Hedge Fund Contest

Head for Them Hills Fund

Long

HL
NEM
GORO

RM
by Random Musings
Mon Jan 05, 2015 9:40 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2015 Hedge Fund Contest
Replies: 126
Views: 11444

Re: 2015 Predictions: Most Popular Topics

Is this a good time to put money in the marker?

RM
by Random Musings
Mon Jan 05, 2015 9:12 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 Predictions: Most Popular Topics
Replies: 38
Views: 2435

Re: U.S. stocks in freefall

Well, looking at the past year or so, this feels like a freefall. Unless the S&P rallies hard to go positive at the close, this will be the fourth consecutive down day for the S&P 500. 264 trading days has passed since the last 4 down day streak occured (none occured in 2014). Longest streak...
by Random Musings
Mon Jan 05, 2015 3:09 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1195
Views: 222712
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