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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: 31
Views: 1467

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: 3137

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: 18353

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: 6555

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: 2726

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: 1484

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: 8231

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: 70
Views: 9468

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: 476

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: 406

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: 3939

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: 1221

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: 5091

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: 8718

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: 3668

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: 945

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: 1602

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: 8562

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: 10752

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: 7415

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: 221087

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: 2256

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: 112
Views: 9731

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: 126
Views: 8662

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: 1263

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: 126
Views: 8662

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: 1263

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: 1263

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: 725

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: 68
Views: 5554

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: 112
Views: 9731

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: 2034

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: 112
Views: 9731

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: 2406

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: 221087

Re: 2015 Not a great year for indexing: Pro

If he's a pro - the bar has been lowered by quite a good deal.

There are far more "Pro's" on this board.

If 2015 turns out not to be a great year for indexing, odds are is that it won't be too great for actives as well

RM
by Random Musings
Mon Jan 05, 2015 3:01 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 Not a great year for indexing: Pro
Replies: 10
Views: 1171

Re: Hussman finally admits the obvious

I guess Hussman forgot the adage "Don't Fight the Tape". Well, the market only tripled from the bottom.

However, he will be correct in the future again, just like all market guru's. Only problem is that the guru's all go in different directions.

RM
by Random Musings
Mon Jan 05, 2015 12:58 pm
 
Forum: Investing - Theory, News & General
Topic: Hussman finally admits the obvious
Replies: 16
Views: 2410

Re: Yet another study on why not to buy long term care insur

Push me over a cliff (a big one). I have come to the conclusion that too much money is wasted on medical care where only the decline is being slowed down and quality of life is not improving. Yeah, there are some cases where this makes sense, but I'd rather give the money to my heirs than the medica...
by Random Musings
Sun Jan 04, 2015 4:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Yet another study on why not to buy long term care insurance
Replies: 61
Views: 4473

Re: Poll: Esoteric fund choice / comparison S&P500 vs Large-

I would choose the fund that primarily holds high capitalization stocks.

RM
by Random Musings
Sat Jan 03, 2015 11:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Poll: Esoteric fund choice / comparison S&P500 vs Large-cap
Replies: 17
Views: 1232

Re: 401k Fund Selection

You know a 401k plan is bad when a lot of the funds have expenses above the Mendoza line.

The company should be ashamed of their offering.

RM
by Random Musings
Sat Jan 03, 2015 8:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Fund Selection
Replies: 23
Views: 1419

Re: Switching to Schwab

Honestly it may be worth signing up for Vanguard Personal Advisor Services now. That way there's someone there to explain to your spouse exactly what you're invested in and why who can help manage it for her. If she doesn't completely understand what's in there and why, she's going to look for advi...
by Random Musings
Sat Jan 03, 2015 5:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Switching to Schwab
Replies: 33
Views: 3294

Re: Anyone had the Personal Capital complementary review yet

For first $3MM, about a 0.79% management fees. With the bond market having such low yields, they will take a big chunk out of that part of your portfolio. On the equity side, looks like they equally weight the market (or attempt to) by buying a representative basket of at least 60 stocks. Of course,...
by Random Musings
Fri Jan 02, 2015 7:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anyone had the Personal Capital complementary review yet?
Replies: 5
Views: 572

Re: What will be the biggest investment surprises of 2015?

Active managers will outperform passive in all style boxes. Bill Gross will return back to PIMCO. Vanguard will shutter all of their active funds. Warren Buffet will rewrite his will, stating that 90% of his wifes holdings should be equally split between frontier markets, uranium stocks and precious...
by Random Musings
Fri Jan 02, 2015 5:03 pm
 
Forum: Investing - Theory, News & General
Topic: What will be the biggest investment surprises of 2015?
Replies: 76
Views: 7429

Re: Today is a Good Day to fund the 2015 IRA

DW and I always do on the first business day of the year.

RM
by Random Musings
Fri Jan 02, 2015 4:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Today is a Good Day to fund the 2015 IRA
Replies: 69
Views: 8118

Re: [Annual POLL] What was your 2014 return?

8.34% on a 50/50 portfolio. Was a good year.

RM
by Random Musings
Thu Jan 01, 2015 9:19 pm
 
Forum: Investing - Theory, News & General
Topic: [Annual POLL] What was your 2014 return?
Replies: 144
Views: 14056

Re: Vanguard's best fund: Healthcare?

My only active equity funds are Primecap and Healthcare.

I have held them for a long time and will continue to do so.

RM
by Random Musings
Thu Jan 01, 2015 6:06 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's best fund: Healthcare?
Replies: 60
Views: 7009

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

1502

(I could not completely reverse 2015, 5,102 would be a pretty big jump.

RM
by Random Musings
Thu Jan 01, 2015 5:56 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 556
Views: 19721

Re: What Book Are You Currently Reading? Part VI

Just finished The Birth of Plenty.

Now starting to read (for the second time) Chaos by James Gleick.

RM
by Random Musings
Wed Dec 31, 2014 2:18 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 436
Views: 56194

Re: What Movie Have You Recently Watched?

Took my wife and the girls to see Into the Woods. They all loved it, for me, it was two hours of my life that I will never get back.

I watched This is Spinal Tap later that evening which allowed me to regain my mental equilibrium.

If that's possible.

RM
by Random Musings
Tue Dec 30, 2014 11:09 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 439
Views: 52320

Re: High Home Price-to-Income ratios - unhealthy?

Not for most of the bank executives. They seem to get most of the carrots, not too many sticks were even handed out after the 2008 debacle.

RM
by Random Musings
Tue Dec 30, 2014 10:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: High Home Price-to-Income ratios - unhealthy?
Replies: 46
Views: 4821
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