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Re: What would be considered the best Boglehead car?

A free car. No different than the best beer.

RM
by Random Musings
Sun May 25, 2014 10:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: What would be considered the best Boglehead car?
Replies: 43
Views: 4265

Re: declining job due to travel

If your wife and kids come before everything, the decision has already been made.

RM
by Random Musings
Thu May 22, 2014 10:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: declining job due to travel
Replies: 92
Views: 12254

Re: More evidence of the predicted bond apocalypse

Bonds yields are at a permanently low plateau.

RM
by Random Musings
Sat May 17, 2014 9:34 pm
 
Forum: Investing - Theory, News & General
Topic: More evidence of the predicted bond apocalypse
Replies: 38
Views: 4076

Re: Hotel suggestions Washington,DC

We typically stay in Alexandria.

RM
by Random Musings
Sat May 17, 2014 9:10 pm
 
Forum: Personal Consumer Issues
Topic: Hotel suggestions Washington,DC
Replies: 32
Views: 2206

Re: Interesting new Motif Investing product

Instead of performance chasing, perhaps one can indulge in motif chasing.

The index motif, referencing Bogle's name, has about 10% gold.

I'll pass.

RM
by Random Musings
Sat May 17, 2014 7:30 am
 
Forum: Investing - Theory, News & General
Topic: Interesting new Motif Investing product
Replies: 10
Views: 1267

Re: High Net Worth Investing

High net worth investing, IMHO, should still be Boglehead investing. However, care should be taken into taxation and insurance issues, such as estate planning and umbrella coverage.

RM
by Random Musings
Fri May 16, 2014 8:44 pm
 
Forum: Investing - Theory, News & General
Topic: High Net Worth Investing
Replies: 68
Views: 7532

Re: Ideas for our cross country Road Trip

The biggest layover is in Atlantic City? Unless this is a must , I would utilize those days, the buffer day and the second day in Dover seeing the Northeast in a little more detail. For example Acadia NP and other parts of coastal MN, Portsmouth NH, Boston and somewhere in Vermont. Other ideas may b...
by Random Musings
Fri May 16, 2014 11:14 am
 
Forum: Personal Consumer Issues
Topic: Ideas for our cross country Road Trip
Replies: 22
Views: 1573

Re: Visiting Minnesota Suggestions?

Another option for something to see if you are in Duluth is to travel over to the Apostle Islands - by car a little under 2 hours. If you like to kayak, great opportunity to enjoy all the sea caves (I was told by locals that in the winter you can hike out there and the ice is spectacular). Plus ther...
by Random Musings
Fri May 16, 2014 10:04 am
 
Forum: Personal Consumer Issues
Topic: Visiting Minnesota Suggestions?
Replies: 36
Views: 2235

Re: Northern Shenandoah Valley

Consider some time in the Northern Shenandoah Valley. Staunton, Va. is a lovely place. It is a mixture of quaint Southern Railway town and artsy college town. There are some great attractions there, including the renowned American Shakespeare Center at an outdoor Elizabethan theatre. http://www.ame...
by Random Musings
Thu May 15, 2014 1:04 pm
 
Forum: Personal Consumer Issues
Topic: North Carolina/Virginia vacation
Replies: 24
Views: 1907

Re: North Carolina/Virginia vacation

Thanks to all for the info. Looking into Boone area and Raleigh/Durham now - areas I have not been to (well briefly in Raleigh). Scratching Northern Georgia now since it would ramp up the hours spent on the road. I just realized yesterday :oops: that I have never been to Fredricksburg, which we alwa...
by Random Musings
Thu May 15, 2014 12:18 pm
 
Forum: Personal Consumer Issues
Topic: North Carolina/Virginia vacation
Replies: 24
Views: 1907

Re: Grand Canyon

Also, if you have the opportunity, go to Bryce Canyon NP and Zion NP - both parks are not too far from the North Rim. If heights don't bother you, recommend the Angel's Landing trail. You won't forget it. Start that hike early in the day. Doing that in July. Hope I don't chicken out, I hear the las...
by Random Musings
Thu May 15, 2014 12:02 pm
 
Forum: Personal Consumer Issues
Topic: Grand Canyon
Replies: 59
Views: 4800

Re: Grand Canyon

I have been to the North Rim twice, both experiences enjoyable. Took a mule down the canyon one time, that was a lot of fun. Both times I visited in the summer, it was pretty hot. Also, if you have the opportunity, go to Bryce Canyon NP and Zion NP - both parks are not too far from the North Rim. If...
by Random Musings
Wed May 14, 2014 12:20 pm
 
Forum: Personal Consumer Issues
Topic: Grand Canyon
Replies: 59
Views: 4800

Re: Newest, hottest investment fad....

I don't know how the "market" can be a fad. It's been there since the beginning, that more people are buying the "market" is simple rationalization. Yes, there will be times when the actives will outperform passive/index is various style boxes, but the long-term trend is never yo...
by Random Musings
Wed May 14, 2014 12:03 pm
 
Forum: Investing - Theory, News & General
Topic: Newest, hottest investment fad....
Replies: 31
Views: 4784

Re: North Carolina/Virginia vacation

All, Thanks for the responses so far. I will respond in detail later, but am aware of the heat, we do this jaunt down to Lake Norman every year for boating/jet skiing/ tubing/jumping off the dock so that keeps us cool for 2 or 3 days. That is more or less our annual beach trip (plus, we belong to a ...
by Random Musings
Tue May 13, 2014 3:09 pm
 
Forum: Personal Consumer Issues
Topic: North Carolina/Virginia vacation
Replies: 24
Views: 1907

North Carolina/Virginia vacation

All, Taking a vacation to N.C and Virginia in the summer. Essentially, the weekends are going to be around Charlotte (Lake Norman) first weekend and D.C coming back to Western PA. However, that leave the weekdays pretty much open for other sightseeing. We have been to most of the standard vacation s...
by Random Musings
Mon May 12, 2014 3:40 pm
 
Forum: Personal Consumer Issues
Topic: North Carolina/Virginia vacation
Replies: 24
Views: 1907

Re: 2.5 mil to 10 mil - are we on track

Do you need $10MM to achieve your financial goal at age 59 or is it more of a hitting the 8 digit club?

Since you are saving 125K for retirement and you won't need that during the withdrawal phase, I would think your actual net worth needs are a bit lower unless you have a target 2.8% SWR.

RM
by Random Musings
Sat May 10, 2014 11:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: 2.5 mil to 10 mil - are we on track
Replies: 91
Views: 9704

Re: heirs and bequest motivation

With respect to giving, it is truly on a case by case basis. Some children are more financially mature in their 20's than people who are much older. Some people are never financially mature.

RM
by Random Musings
Sat May 10, 2014 7:03 am
 
Forum: Personal Finance (Not Investing)
Topic: heirs and bequest motivation
Replies: 52
Views: 3912

Re: what happened when sterling lost its reserve status?

At 84 years, the US dollar is getting a little long in the tooth.

Edit : 94 years as correctly pointed out by someone who can subtract properly.

RM
by Random Musings
Sat May 10, 2014 6:48 am
 
Forum: Investing - Theory, News & General
Topic: what happened when sterling lost its reserve status?
Replies: 7
Views: 1330

Re: Cars for tall people

Perhaps find a used Popemobile?

Interesting fact I didn't know about one model they use, the Mercedes version, can top out at 160 mph. Try that ride standing up.

Official Vatacan state vehicle registration plates also always start with the letters SCV.......

RM
by Random Musings
Fri May 09, 2014 10:19 pm
 
Forum: Personal Consumer Issues
Topic: Cars for tall people
Replies: 35
Views: 2834

Re: Mom's Bond/Cash Portfolio

$12-$18K incremental per year, plus some inflation, means most likely that some of her assets can be invested at a slightly higher level of risk (that may include pushing out durations a little bit, not necessarily equity risk) if so desired and approved by Mom. Current health and family history mus...
by Random Musings
Fri May 09, 2014 9:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mom's Bond/Cash Portfolio
Replies: 8
Views: 1225

Re: Are Tornado Shelters Worth the Cost?

Aircraft 1.9 RM I think this is the number per flight hour Commercial aviation, which is defined here as scheduled service provided in a U.S. registered aircraft of more than 10 seats in domestic and international service (“Part 121 scheduled service”) was the safest mode of travel at 0.07 fataliti...
by Random Musings
Fri May 09, 2014 3:54 pm
 
Forum: Personal Consumer Issues
Topic: Are Tornado Shelters Worth the Cost?
Replies: 52
Views: 3910

Re: Are Tornado Shelters Worth the Cost?

http://imgs.xkcd.com/comics/math.png If you want to know if benefits of a shelter are worth the cost you need to quantify the benefits. This is hard, and you will find different estimates. Many estimates give the chance of a storm shelter saving your life somewhere between 1E-5 and 1E-6. If these a...
by Random Musings
Fri May 09, 2014 3:05 pm
 
Forum: Personal Consumer Issues
Topic: Are Tornado Shelters Worth the Cost?
Replies: 52
Views: 3910

Re: CNBC - 4% doctors are millionaires!!

Doing a bit of investigating, there are 9.63 millionaire households in the US, so 4% of that would mean that there are about 380,000 millionaire doctor households. In 2012 there were 878,194 licensed physicians . Bumping that number up to a million (just as a guess) to account to retired physicians...
by Random Musings
Fri May 09, 2014 2:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: CNBC - [Among millionaires, 4% are doctors]
Replies: 100
Views: 11319

Re: the mutual fund graveyard is getting overcrowded

Monty Python understood this many years ago with respect to fund underperformance.

Bring out your dead

RM
by Random Musings
Fri May 09, 2014 2:02 pm
 
Forum: Investing - Theory, News & General
Topic: the mutual fund graveyard is getting overcrowded
Replies: 8
Views: 1788

Re: contrasting articles, one great, one porn

One needs to have an assortment of expert predictions so that one can always find confirmation bias of one's own ideas, whatever they might be. And CNBC always has something for everyone: "We’re only in the bull market's 4th inning: Siegel" "It could get there by the year-end, it cou...
by Random Musings
Fri May 09, 2014 1:46 pm
 
Forum: Investing - Theory, News & General
Topic: contrasting articles, one great, one porn
Replies: 10
Views: 1938

Re: Is it okay to keep all your assets with one fund company

People have said that Vanguard's assets are safe because they are in the hands of JP Morgan. So let's look at the record of JP Morgan's fines and penalties just for the last couple of years. The total is $25 billion just for 2013. 1. $2.6 billion for violations of the Secrecy Act for failing to rep...
by Random Musings
Thu May 08, 2014 10:38 pm
 
Forum: Investing - Theory, News & General
Topic: Is it okay to keep all your assets with one fund company?
Replies: 48
Views: 6069

Re: Article on Pricey Wedding Attendance

I know many 20-30 somethings who take a vacation each year because they know it will stop when the kids arrive. Seriously? Having kids has not reduced our number of big vacations, but it has reduced weekend jaunts due to other activities. There are plenty of great places to go to with children on v...
by Random Musings
Wed May 07, 2014 10:24 pm
 
Forum: Personal Consumer Issues
Topic: Article on Pricey Wedding Attendance
Replies: 15
Views: 2203

Re: Computer security -- a paradigm shift?

Dutch wrote:Do people still use the term paradigm shift? :D


I also think the phrase "it is what it is" is losing steam. At least at the corporate executive level at our firm. I think they are still searching for a new phrase to replace.

Paradigm shift? That's back in the day.

RM
by Random Musings
Wed May 07, 2014 11:58 am
 
Forum: Personal Consumer Issues
Topic: Computer security -- a paradigm shift?
Replies: 51
Views: 4850

Re: Jeremy Grantham article [Bull market will "end badly"]

On the other hand, bear markets can end up good or just end. On the bad side - Russia 1917, Eastern European countries post WWII and certain bonds from various countries. Cyprus equities have the potential to have a bad ending, but right now one has the opportunity to buy on the dip. In the immortal...
by Random Musings
Tue May 06, 2014 10:29 pm
 
Forum: Investing - Theory, News & General
Topic: Jeremy Grantham article [Bull market will "end badly"]
Replies: 22
Views: 3976

Re: Free Dinner Binge?

I got one offer for listening to ways to reduce your utility bills.

Wonder if this increase across various businesses is due to the fact it is more difficult to cold call?

RM
by Random Musings
Tue May 06, 2014 9:53 pm
 
Forum: Personal Consumer Issues
Topic: Free Dinner Binge?
Replies: 23
Views: 2525

Re: Philly/Boston in May: Recommendations Please

I lived in Philly for four years and have visited Boston. Boston is one of my favorite cities, hands down (plus, it is a good city to take kids). However, one of my neighbors who originally lived in Boston has told me (more that once) that being in Boston when colleges are in session is not as pleas...
by Random Musings
Tue May 06, 2014 3:38 pm
 
Forum: Personal Consumer Issues
Topic: Philly/Boston in May: Recommendations Please
Replies: 26
Views: 1619

Re: What it’s like be 100 years old

The centarians remember their youth most fondly.

Which makes complete sense, at that point of time in our lives, one still feels immortal. And typically, the burdens of life are less.

RM
by Random Musings
Tue May 06, 2014 3:17 pm
 
Forum: Personal Consumer Issues
Topic: What it’s like be 100 years old
Replies: 50
Views: 6166

Re: Generali Vision

I was hopeful when I found a Vanguard Germany site - but that appears to be institutional only at this time.

RM
by Random Musings
Tue May 06, 2014 12:27 pm
 
Forum: Investing - Theory, News & General
Topic: Generali Vision
Replies: 4
Views: 488

Re: If You Can [free Bill Bernstein booklet for millennials]

Just finished rereading "The Four Pillars Of Investing" today.

Appreciate your work.

RM
by Random Musings
Sun May 04, 2014 7:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: If You Can [free Bill Bernstein booklet for millennials]
Replies: 28
Views: 5345

Re: "Warren Buffett: Small investors have one big advantage"

Is it me, or has Warren Buffett been in the news a lot recently? IMHO, even though he tries, I don't buy the story that he is a champion of the little guy. Yeah, he says that the rich should pay more taxes, but I'm sure he is very confident that it really won't happen (and he does not lead by exampl...
by Random Musings
Sat May 03, 2014 9:59 pm
 
Forum: Investing - Theory, News & General
Topic: "Warren Buffett: Small investors have one big advantage"
Replies: 12
Views: 3271

Re: What do you do after maxing out your tax deferred?

Of course taxable. But what to invest in taxable should be based on your ISP.

RM
by Random Musings
Sat May 03, 2014 9:34 pm
 
Forum: Investing - Theory, News & General
Topic: What do you do after maxing out your tax deferred?
Replies: 22
Views: 2714

Re: Bogle's view on international investing?

[But they still preach the sermon that if you combine them together it reduces risk, and yet history has shown that any really tangible reduction in volatility seems to disappear when investors need it the most. IMHO, it's not the correlation that is the issue for diversification, but I still give ...
by Random Musings
Sat May 03, 2014 6:27 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle's view on international investing?
Replies: 56
Views: 5257

Re: Bogle's view on international investing?

Regardless of home country where one invests, investing only in domestic equities works until it doesn't.

RM
by Random Musings
Fri May 02, 2014 10:23 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle's view on international investing?
Replies: 56
Views: 5257

Re: Trying to pick the lesser of two evils (ETN vs Active fu

If those are your only two viable options, I would screen the active funds looking at these criteria:

- low ER's
- low turnover rates
- long-term management team (like Dodge & Cox, Wellington)

RM
by Random Musings
Fri May 02, 2014 9:38 am
 
Forum: Investing - Theory, News & General
Topic: Trying to pick the lesser of two evils (ETN vs Active funds)
Replies: 10
Views: 807

Re: An easy way to save money: Avoid the $300,000 car.

For many products, this analogy can be used. To a point, I think it is a function of price versus your human capital and current net worth. One can buy what they want to as long as all their other goals are met. However, I have to say that Lexus rolls off the tongue better anyway. Our executive secr...
by Random Musings
Thu May 01, 2014 10:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: An easy way to save money: Avoid the $300,000 car.
Replies: 152
Views: 18760

Re: Can you raise kids in a townhouse?

I guess the key questions are: With 3 people in your home there, how many bedrooms do you currently have and how many do you want? Are you planning to have more children? Do you want to tie up more money in real estate? Regardless, unless there are some special circumstances, I've seen many a family...
by Random Musings
Thu May 01, 2014 3:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can you raise kids in a townhouse?
Replies: 35
Views: 3559

Re: Vanguard's Small Cap Value Fund Expense Ratio Goes Up

Although the long-term trend has been our friend with respect to ER costs at Vanguard, and even though I try to get worked up about these 0.01-0.02% fluctuations, I just can't.

The low hanging fruit is gone, we are in the 8th inning of ER's.

RM
by Random Musings
Thu May 01, 2014 3:42 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's Small Cap Value Fund Expense Ratio Goes Up
Replies: 41
Views: 7530

Re: $22 million reason for umbrella?

Not being a lawyer, if the 15 year old is being tried as an adult (not sure if that is the case), does the school have a viable case in suing the parents just because of residence? Most likely, they wouldn't sue if the 18 year old lived on his own.

RM
by Random Musings
Thu May 01, 2014 1:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: $22 million reason for umbrella?
Replies: 42
Views: 3957

Re: Does everyone have an Emergency Fund

In the Boglehead world, emergency funds come in different forms, it's just a matter of placement (Roth, equities/ST bonds in taxable or whatever).

When one has no liquid assets (which typically isn't the case on this board), then one truly doesn't have an emergency fund.

RM
by Random Musings
Thu May 01, 2014 12:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does everyone have an Emergency Fund
Replies: 51
Views: 4763

Re: Tell Me I'm Stupid To Consider Quitting My Job and Movin

I don't think you can live a year round simple enjoyable lifestyle when there is 6 months of winter. I live in Fargo, ND. We have closer to 7 months of near winter. In reality we have 2 months of summer (July, August), 1 month of fall (October) 6 months of winter (November, December, January, Febru...
by Random Musings
Wed Apr 30, 2014 10:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tell Me I'm Stupid To Consider Quitting My Job and Moving
Replies: 123
Views: 28610

Re: Did you tell anyone you paid off your mortgage?

Just a few people who I knew would not take it the wrong way, that is, they have a similar financial mindset. However, I'm in the camp where people who want to point out all the material possessions they own or what services they utilize to make their life easier are bragging. There are for, far mor...
by Random Musings
Wed Apr 30, 2014 10:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 158
Views: 13015

Re: Where would you retire, if $ were no object?

For the winter months, I would split between Charleston S.C. and somewhere in Maui.

Summertime, coastal Maine will work fine.

I have no desire to retire internationally, but will visit instead.

RM
by Random Musings
Wed Apr 30, 2014 3:50 pm
 
Forum: Personal Consumer Issues
Topic: Where would you retire, if $ were no object?
Replies: 89
Views: 19423

Re: Youth and Risk

I remember an entrepreneurship course where my professor told the class that entrepreneurs have a better chance of success when being younger vs. older. Energy level does help. Still, the risks are high.

RM
by Random Musings
Wed Apr 30, 2014 3:37 pm
 
Forum: Investing - Theory, News & General
Topic: Youth and Risk
Replies: 23
Views: 1644

Re: Social security at 62 vs 70

Currently, I'm targeting 66. B/E should be around 88. The thing is, I'll have to wait until retirement comes nearer so I have better information (health, what the SS rules will be at that time, and so on) in order to make that decision. Looking at your crystal ball too far out may provide some guida...
by Random Musings
Wed Apr 30, 2014 3:33 pm
 
Forum: Investing - Theory, News & General
Topic: Social security at 62 vs 70
Replies: 76
Views: 5970

Re: POLL: "Channel Trading", advanced concepts

I once traded a Miley Cyrus Breakout CD for a U channel.

It sometimes pays to be a contrarian.

RM
by Random Musings
Tue Apr 29, 2014 5:05 am
 
Forum: Investing - Theory, News & General
Topic: POLL: "Channel Trading", advanced concepts
Replies: 22
Views: 2027
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