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Re: NY Times Article - Active Mutual Funds

jay22 wrote:If you want to pick active funds, at least pick something at Vanguard where they are low cost and have a history of great performance with managers who have proven track records.


Except that U.S. Growth, the high flyer in the 90's, became a real dog.

RM
by Random Musings
Fri Apr 17, 2015 3:52 pm
 
Forum: Investing - Theory, News & General
Topic: NY Times Article - Active Mutual Funds
Replies: 24
Views: 2627

Re: Stocks are on sale, should I buy?

OP....

Have you developed a written investment plan....... Yet???

I'm thinking no.

So write one and stick with a plan.

RM
by Random Musings
Fri Apr 17, 2015 3:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stocks are on sale, should I buy?
Replies: 44
Views: 4519

Re: How to (diplomatically) challenge wife's active mgmt fun

Front end load costs are sunk.

For 1% ER on 2% of portfolio - I'd not worry about it. If ER was zero, total portfolio ER would be reduced by 2 basis points.

RM
by Random Musings
Fri Apr 17, 2015 3:43 pm
 
Forum: Investing - Theory, News & General
Topic: How to (diplomatically) challenge wife's active mgmt funds
Replies: 87
Views: 4611

Re: Planning Washington DC Sightseeing

With respect to the Supreme Court, if in session, see what cases are being presented that day. In certain instances, the time to "get in line" starts pretty early. Besides the Topedo factory in Alexandria, there is also a walking tour you can take to visit certain historic homes/shops. Rea...
by Random Musings
Thu Apr 09, 2015 4:40 pm
 
Forum: Personal Consumer Issues
Topic: Planning Washington DC Sightseeing
Replies: 58
Views: 2792

Re: Planning Washington DC Sightseeing

I like to stay in Alexandria and take public transportation in..... With respect to visiting the National Zoo, I do have one tip. The zoo states hours that are 10 a.m (or something like that), but what you can do is go earlier, see all the outside exhibits (also, when the animals are more active on ...
by Random Musings
Thu Apr 09, 2015 12:59 pm
 
Forum: Personal Consumer Issues
Topic: Planning Washington DC Sightseeing
Replies: 58
Views: 2792

Re: Bear market warning sign

Just click your Berluti's three times and say "This time it will be different".

But not too hard, don't want to scuff 'em.

RM
by Random Musings
Thu Apr 02, 2015 5:05 pm
 
Forum: Investing - Theory, News & General
Topic: Bear market warning sign
Replies: 27
Views: 5162

Re: The Detriments of Rebalancing

If you don't rebalance, you don't have a target asset allocation. In the long run, if equities continue to outpace bonds, it means your risk tolerance will increase regardless of your risk needs. That doesn't sound like a rational plan. A fat tail could cause problems just when you don't need it. Ram
by Random Musings
Thu Apr 02, 2015 4:57 pm
 
Forum: Investing - Theory, News & General
Topic: The Detriments of Rebalancing
Replies: 67
Views: 5754

Re: South Florida trip

Since you are there during the dry season, I would visit the Everglades since most park activities are scheduled during this time. There are a lot of refuges and sanctuaries in the area that you can visit as well. If you are going to Biscayne, are you going to take a boat ride or do you plan to sno...
by Random Musings
Thu Apr 02, 2015 12:21 pm
 
Forum: Personal Consumer Issues
Topic: South Florida trip
Replies: 14
Views: 1754

Re: My Vanguard Momentum Trading Blog

The Target 2025 Fund is at .99% of the portfolio. This means the momentum portfolio's funds outperformed T2025 by a statistically insignificant amount. More data is needed to draw any conclusions. http://vanguardmomentuminvestor.weebly.com/vanguard-momentum-investing/category/all Being an April 1 p...
by Random Musings
Thu Apr 02, 2015 12:08 pm
 
Forum: Investing - Theory, News & General
Topic: My Vanguard Momentum Trading Blog
Replies: 23
Views: 2412

Re: South Florida trip

Since you are there during the dry season, I would visit the Everglades since most park activities are scheduled during this time. There are a lot of refuges and sanctuaries in the area that you can visit as well. If you are going to Biscayne, are you going to take a boat ride or do you plan to snor...
by Random Musings
Sat Mar 28, 2015 10:25 pm
 
Forum: Personal Consumer Issues
Topic: South Florida trip
Replies: 14
Views: 1754

Re: Can I afford a $500,000 house?

Yes you can.

Just remember to consider closing costs on both transactions, increased property taxes most likely, bigger mortgage payment. Just means you will have to work a little longer to achieve your goals.

Plus more house to clean.

RM
by Random Musings
Sat Mar 28, 2015 10:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $500,000 house?
Replies: 41
Views: 4919

Re: Savannah

If you are up for a drive, I would recommend checking out Charleston, which is a bit under 2 hours away. We went to Charleston last year and wish we made the drive to Savannah to say we went. If your into good meals, Charleston was absolutely amazing. It was kind of odd finding such good food in su...
by Random Musings
Sat Mar 28, 2015 8:36 pm
 
Forum: Personal Consumer Issues
Topic: Savannah
Replies: 26
Views: 2952

Re: What would you do with 1.25 million dollars for 1 year?

Actual question: in recent history, has there ever been an FDIC-insured bank that failed but did not make all account holders whole? I.e. how much do you really need to be concerned about exceeding the FDIC insurance limit? I was wondering this as well. Now if this was 2009 I would be a lot more co...
by Random Musings
Thu Mar 26, 2015 3:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: What would you do with 1.25 million dollars for 1 year?
Replies: 39
Views: 3611

Re: What would you do with 1.25 million dollars for 1 year?

I think you have to take into consideration the remainder of your portfolio beyond the $1.25MM and how that is allocated. If that part of the portfolio can absorb the loss associated with the investment of $1.25MM in tax-exempts, for example, you could go that route with some known risks of investin...
by Random Musings
Thu Mar 26, 2015 2:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: What would you do with 1.25 million dollars for 1 year?
Replies: 39
Views: 3611

Re: Restaurant tipping

I have one instance of each of the normal curve tails in the last 10 years. Once was at a Corky's barbecue. The server only came by our table one time to get our order. Never refilled our drinks after bringing them with the meal. Stood around talking the rest of the time in plain view. When we fina...
by Random Musings
Thu Mar 26, 2015 2:36 pm
 
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 200
Views: 12123

Re: Need a tablet maybe

Thanks all for your help. You've given me some ideas and pointed me out to the direction. I'm leaning toward an Android in the neighborhood of $150, but am also thinking about the Kindle Fire. I don't expect to be reading books on the device, however, just news etc. I have an IPad, but with your cr...
by Random Musings
Wed Mar 25, 2015 9:06 pm
 
Forum: Personal Consumer Issues
Topic: Need a tablet maybe
Replies: 26
Views: 1920

Re: Money Magazine on Low Volatility Funds

If a truly random selection of stocks beats the average, by a wide margin, how is it that active fund managers are able to significantly underperform the index by a wide margin? If it's a wide margin, that should exceed the drag of higher expense ratios. That would seem to suggest that active stock...
by Random Musings
Wed Mar 25, 2015 3:41 pm
 
Forum: Investing - Theory, News & General
Topic: Money Magazine on Low Volatility Funds
Replies: 18
Views: 2903

Re: Restaurant tipping

Do you all calculate your percent tip pre-tax or post-tax? I tip 15% pre-tax as the base (taking into considerations any coupons or such). I do round, so more likely 16-17% as the base amount if I really think about it. With those who tip relatively well regardless of service, I just don't get it. ...
by Random Musings
Wed Mar 25, 2015 3:21 pm
 
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 200
Views: 12123

Re: My Lucky Friend

Another story to toss into the anecdotal evidence drawer.

RM
by Random Musings
Wed Mar 25, 2015 1:41 pm
 
Forum: Investing - Theory, News & General
Topic: My Lucky [Trading] Friend
Replies: 13
Views: 1948

Re: Considering Vanguard Health Care Fund VGHCX

A reasonable amount of Health Care posts recently - perhaps a contrarian indicator?

RM
by Random Musings
Wed Mar 25, 2015 1:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Considering Vanguard Health Care Fund VGHCX
Replies: 15
Views: 1331

Re: U.S. cash pouring into international

A timely post, I just go a webinar e-mail from Vanguard about investing internationally. I guess they didn't screen that 35% of my equities are international, but then again, Vanguard doesn't calculate that correctly on their website to begin with. Which means certain investors may make a decision t...
by Random Musings
Wed Mar 25, 2015 1:35 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. cash pouring into international
Replies: 23
Views: 2470

Re: Restaurant tipping

Do you all calculate your percent tip pre-tax or post-tax? I tip 15% pre-tax as the base (taking into considerations any coupons or such). I do round, so more likely 16-17% as the base amount if I really think about it. With those who tip relatively well regardless of service, I just don't get it. ...
by Random Musings
Wed Mar 25, 2015 1:31 pm
 
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 200
Views: 12123

Re: Advice for good friend

Perhaps one way to deal with this situation is to move all the money out to a low cost alternative. The rationale would be that it eliminates any conflict of interest between the two parties and also eliminates potential uncomfortable situations if the net returns underperform a simple passive strat...
by Random Musings
Mon Mar 23, 2015 10:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice for good friend
Replies: 38
Views: 3391

Re: How credible is this expert view? from the Crux

Don't take investment advise from cab drivers or porters.

RM
by Random Musings
Mon Mar 23, 2015 9:54 pm
 
Forum: Investing - Theory, News & General
Topic: How credible is this expert view? from the Crux
Replies: 2
Views: 409

Re: Splitting a Food Tab on a Combined Birthday Lunch

Peterjens wrote:Let's say Matthew, Mark, Luke and John's lunch are $21 each[/b].


WWJD?

RM
by Random Musings
Mon Mar 23, 2015 2:22 pm
 
Forum: Personal Consumer Issues
Topic: Splitting a Food Tab on a Combined Birthday Lunch
Replies: 54
Views: 3833

Re: Restaurant tipping

Not too long ago 15% was considered a standard tip for standard quality service, now it seems that 20+% is considered standard. On one occasion when I received lousy service I left 15% and was chased out into the street and yelled at by the server for not leaving enough. I feel like I'm being held ...
by Random Musings
Mon Mar 23, 2015 1:54 pm
 
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 200
Views: 12123

Re: Hearse as daily driver?

One upside is that they have good carrying capacity in the back.

RM
by Random Musings
Sat Mar 21, 2015 8:40 pm
 
Forum: Personal Consumer Issues
Topic: Hearse as daily driver?
Replies: 58
Views: 3879

Re: The one area I disagree with Jack

On a bigger picture basis, I see SS as one known cash flow stream is essentially a fixed annuity, just like many pensions. However, I would consider to annuitize some of the investable side untilfuture expected expenditure steams are met and then invest the balance at ones risk tolerance.

RM
by Random Musings
Sat Mar 21, 2015 8:27 pm
 
Forum: Investing - Theory, News & General
Topic: The one area I disagree with Jack
Replies: 93
Views: 7429

Re: Long-term performance of value vs cap-weighted index

There is a chart of Wellington vs SP500 total return from 1/1979 to 10/2014 http://remonsy.com/daily/vanguard-etf-funds/vanguard-wellington-analyzed/ The main difference is that Wellington did not participate in the "bubble" from 1990 to 2001, but it was on par with the SP500 in mid 2001....
by Random Musings
Fri Mar 20, 2015 8:28 pm
 
Forum: Investing - Theory, News & General
Topic: Long-term performance of value vs cap-weighted index
Replies: 9
Views: 637

Re: New washing machine won't fit down basement steps.

I suspect dropping the stair case is the lesser of evils. In many cases basement stairs are relatively loosely attached. It may be a question of cutting a dozen or so nails. If you do this consider using bolts rather than nails when you put it back up. I concur. That sounds better than taking apart...
by Random Musings
Fri Mar 20, 2015 3:06 pm
 
Forum: Personal Consumer Issues
Topic: New washing machine won't fit down basement steps.
Replies: 32
Views: 2956

Re: This Fund Manager Has Consistently Beaten the S&P 500

I brought the fund up in Morningstar, and sure enough, the fund has handily outperformed the S&P 500 since its inception in 1969. However, I decided to shift the start date forward a few years to 1972, the year I was born. I was curious to see how well it's performed during my lifetime--and was...
by Random Musings
Thu Mar 19, 2015 12:25 pm
 
Forum: Investing - Theory, News & General
Topic: This Fund Manager Has Consistently Beaten the S&P 500
Replies: 18
Views: 2867

Re: John Bogle's Don't Peek Challenge

I do peek: - For rebalacing purposes - If I have to roll into new individual TIPS or CD - To make sure new monies are received - To make sure not any unusual activity is occuring in my accounts I'm sure people don't look at store receipts either, but I don't want to have to go back to correct their ...
by Random Musings
Thu Mar 19, 2015 12:16 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle's Don't Peek Challenge
Replies: 137
Views: 11304

Re: Phil Town: "Rule #1 Investing"

cheese_breath wrote:As soon as I saw

"Learn my… 6 Principles for Market Crushing Investing The Best Investors in the World Have Used These Timeless Principles For the Past 80 Years to Make 20% Returns Per Year"

that was enough for me.


Agree. 20% is a little light.

RM
by Random Musings
Thu Mar 19, 2015 12:01 pm
 
Forum: Investing - Theory, News & General
Topic: Phil Town: "Rule #1 Investing"
Replies: 11
Views: 1229

Re: Schwab Intelligent Portfolios [now live]

My thoughts: I don't want my mutual funds or ETF's to hold cash, why do I want Schwab's intelligent portfolio to do so? I could at least hold short-term CD's paying more, as one example. As one person has stated (at least), they are using Schwab Intelligent for the equity portion and keeping the bon...
by Random Musings
Thu Mar 19, 2015 11:58 am
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 356
Views: 28152

Re: Observations from a first time poster, long time reader.

From one financial professional to another, you are missing a couple key points. I am a professional option market maker, and there are a couple things you want to think about when you consider selling covered calls. 1) You aren't selling to gamblers, you are selling to options market makers (ie pr...
by Random Musings
Wed Mar 18, 2015 8:08 pm
 
Forum: Investing - Theory, News & General
Topic: [New Member Observations- Covered Calls, Financial Advisors]
Replies: 227
Views: 16899

Re: Is There a Next Jack Bogle

Before the V500 came into play, there was already momentum in financial circles with respect to developing index funds for public consumption. I believe even Jeremy G from GMO put some work into that endeavor. Ultimately, index funds would have come to fruition, but perhaps a little slower. But the ...
by Random Musings
Mon Mar 16, 2015 10:26 pm
 
Forum: Investing - Theory, News & General
Topic: Is There a Next Jack Bogle
Replies: 37
Views: 3895

Re: Improving the Lifestrategy Funds

Admiral funds

Add TIPs since not part of TBM but part of US bond market.

REITs are already in TSM, so I don't think Vanguard will change that. Same with small value.

RM
by Random Musings
Sun Mar 15, 2015 6:39 pm
 
Forum: Investing - Theory, News & General
Topic: Improving the Lifestrategy Funds
Replies: 63
Views: 5344

Re: Fly or drive?

Several replies debated whether the IRS reimbursement rate accurately reflected driving cost. Unless I missed a key reply, I didn't see any detailed calculations or sources cited. So here's a source: each year AAA produces a guide which calculates the cost-per-mile of driving various size vehicles....
by Random Musings
Sat Mar 14, 2015 9:06 pm
 
Forum: Personal Consumer Issues
Topic: Fly or drive?
Replies: 84
Views: 4768

Re: Fly or drive?

JLJL wrote:
Random Musings wrote:...

Sadly, we still bite the bullet with the long drive on the last day.

RM


And there's the rub...


However, we typically hit four or more spots on our trips. Plus, the cost of airfare would really add up. We fly when it makes sense, like out west or to FL.

RM
by Random Musings
Sat Mar 14, 2015 9:00 pm
 
Forum: Personal Consumer Issues
Topic: Fly or drive?
Replies: 84
Views: 4768

Re: do you like vanguard's new web site?

I'm like Switzerland on this topic, neutral. Nothing substantial that I saw. I noticed that domestic/int'l allocation still does not consider int'l portions of holdings in active funds like Primecap,and Healthcare, but does for their Precious Metals Fund. Is it really that complicated to do that cal...
by Random Musings
Sat Mar 14, 2015 8:53 pm
 
Forum: Personal Consumer Issues
Topic: do you like vanguard's new web site?
Replies: 9
Views: 1148

Re: Will you buy an Apple Watch?

No. Don't wear watches.

RM
by Random Musings
Thu Mar 12, 2015 3:31 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 351
Views: 20960

Re: Fly or drive?

I'd drive to B - but in one day. Done it with kids, 12 hours is a bit long but don't want to waste days. One thing I have done at work, albiet for a longer vacation, is to work "early" the day before vacation (like 4 a.m. to noon) and use the afternoon and evening to drive close to destina...
by Random Musings
Thu Mar 12, 2015 3:30 pm
 
Forum: Personal Consumer Issues
Topic: Fly or drive?
Replies: 84
Views: 4768

Re: U.S. Stock Valuations — Making History?

It'll be different this time.

Nah, it won't. Reversion will happen.

RM
by Random Musings
Thu Mar 12, 2015 3:25 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. Stock Valuations — Making History?
Replies: 46
Views: 4687

Re: 3 Costs Investors Must Control

Other behavior issues, which are costs, include the cost of waiting and/or immediate gratification.

Delaying or underfunding savings in earlier years, in conjunction with the power of compounding, can create hurdles as bad as or worse than the other three triangles.

RM
by Random Musings
Sun Mar 08, 2015 10:28 pm
 
Forum: Investing - Theory, News & General
Topic: 3 Costs Investors Must Control
Replies: 61
Views: 5491

Re: 3 Costs Investors Must Control

I also was taken by the graphics of triangle within a triangle How about something like this, in which costs will eventually eat up all of the portfolio's value? http://www.daviddarling.info/images/Sierpinski_Gasket.gif Better not give the high E/R crowd any ideas, though! But that's what they alre...
by Random Musings
Sun Mar 08, 2015 10:20 pm
 
Forum: Investing - Theory, News & General
Topic: 3 Costs Investors Must Control
Replies: 61
Views: 5491

Re: My Vanguard Momentum Trading Blog

Someone in our work place did this. Was very successful - and other people started to follow his approach. Long story short - it worked until it didn't. So much for his early retirement plan, now going to work until 70.

RM
by Random Musings
Sun Mar 08, 2015 6:22 pm
 
Forum: Investing - Theory, News & General
Topic: My Vanguard Momentum Trading Blog
Replies: 23
Views: 2412

Re: What are Costco's best deals?

I like Costco. Excellent return policy and nice employees who get a fair salary with benefits. Best deals? Usually gas, free samples of course, food court (our kids like the hot dogs, pizza and churro). As mentioned by OP, glasses are a good deal and so are hearing aids, although I don't use the lat...
by Random Musings
Sun Mar 08, 2015 10:21 am
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 220
Views: 20746

Re: East Coast Beach Trip This Summer - Family of 5

If you want a blend of beach and other activities, I would go to Virginia Beach. Williamsburg is close, and your kids may like that. Plus, Busch Gardens, although your kids might be a bit young for that. If you want to just hang at the beach and do the boardwalk stuff at night, Myrtle Beach might be...
by Random Musings
Sat Mar 07, 2015 6:56 pm
 
Forum: Personal Consumer Issues
Topic: East Coast Beach Trip This Summer - Family of 5
Replies: 20
Views: 1261

Re: "Lifestyles Unlimited" <- Anyone know about them?

You can't say that the company isn't being straightforward with everybody, the top guns probably do have a lifestyle unlimited.

RM
by Random Musings
Fri Mar 06, 2015 9:13 pm
 
Forum: Personal Consumer Issues
Topic: "Lifestyles Unlimited" <- Anyone know about them?
Replies: 17
Views: 2061

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: 84
Views: 5257
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