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Re: Anybody using dash cameras?

There's probably a Facebook Page devoted to outing bad drivers recorded on these devices

Russian Dash Cams on Youtube has some carazy stuff stuff recorded
by Redstorm
Sun Jul 20, 2014 8:18 am
 
Forum: Personal Consumer Issues
Topic: Anybody using dash cameras?
Replies: 6
Views: 1518

Re: POLL: Are You Re-Balancing?

Re-Balance each quarter with new funds

I've also re-balanced and taken some gains when an index (ETF) gets over 15% in a quarter
by Redstorm
Fri Jul 04, 2014 5:32 am
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Are You Re-Balancing?
Replies: 70
Views: 4948

Re: Listen to ebooks -- How?

You can pick up a cheap MP3 player from any of the larger stores, download the books to that

I put them onto my android phone, along with say a TV series to watch when on the bus or plane
by Redstorm
Sat May 24, 2014 4:08 pm
 
Forum: Personal Consumer Issues
Topic: Listen to ebooks -- How?
Replies: 17
Views: 1526

Re: Gurus Achieve An Astounding 47.4% Accuracy!

Rick Ferri wrote:Guru's don't make money predicting markets: they make money marketing predictions.

Rick Ferri


Spot on :D

"nobody knows nothing"


Then somebody knows something :wink:
by Redstorm
Sat Jan 25, 2014 5:50 pm
 
Forum: Investing - Theory, News & General
Topic: Gurus Achieve An Astounding 47.4% Accuracy!
Replies: 202
Views: 10228

Re: Why shouldn't REIT's be a large % of your portfolio?

Just on this Unpack: analyze (something) into its component elements. "let us unpack this question" Is this not common usage? For all I know you probably think that stuff in cans you drink is called 'soda' ;-). When in fact everyone knows it is pop ;-). Cool Drink for us And that yellow th...
by Redstorm
Wed Jan 22, 2014 3:22 pm
 
Forum: Investing - Theory, News & General
Topic: Why shouldn't REIT's be a large % of your portfolio?
Replies: 67
Views: 6799

Re: The Funniest Movie Ever

A Fish Called Wanda
by Redstorm
Fri Jan 03, 2014 9:15 am
 
Forum: Personal Consumer Issues
Topic: The Funniest Movie Ever
Replies: 201
Views: 11357

Re: 'Play' Money

I went to indexing with all bar some funds I'd been trading in the stock below with and let it ride for the last 2 years. This was my 'play money'. I add to my index funds each 1/4 http://chart.finance.yahoo.com/z?s=CBA.AX&t=2y&q=l&l=on&z=l&a=v&p=s&lang=en-AU&region=AU
by Redstorm
Thu Dec 26, 2013 4:22 pm
 
Forum: Investing - Theory, News & General
Topic: 'Play' Money
Replies: 95
Views: 6741

Value [of stocks]

When looking at individual stocks would it be fair to say

"Price is what you pay, value is what you get and value is subjective"
by Redstorm
Wed Dec 25, 2013 6:36 pm
 
Forum: Investing - Theory, News & General
Topic: Value [of stocks]
Replies: 4
Views: 469

Re: Property & Bonds

Thanks Magneto

Most property is leveraged to some degree also, which can magnify gains (or losses)
by Redstorm
Mon Dec 23, 2013 6:32 pm
 
Forum: Investing - Theory, News & General
Topic: Property & Bonds
Replies: 7
Views: 673

Property & Bonds

Rental payments that determine an asset’s yield allow comparisons to other income-generating investments.

Are there any similarities or correlations between residential property, REITs and Bonds?
by Redstorm
Mon Nov 25, 2013 8:57 am
 
Forum: Investing - Theory, News & General
Topic: Property & Bonds
Replies: 7
Views: 673

Re: Pull-ups and Push-ups

http://slcmma.com/wp-content/uploads/2008/12/chinup_bar.jpg I use one of these simple doorway units at home for pull ups and leg lifts and for variety, the larger unit at the local park A combination of anaerobic and aerobic is great for me and I enjoy it. Recent workout examples 11 minute time lim...
by Redstorm
Wed Nov 20, 2013 5:09 pm
 
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 329
Views: 39449

Re: Pull-ups and Push-ups

Crossfit has a many great body workouts...a good one is called "Cindy". As many rounds as you can do in 20 minutes. Each round consists of 5 pullups, 10 pushups and 15 air squats...try it..you will like it...Mark Try that with a minute as your marker 5 pullups, 10 pushups and 15 air squat...
by Redstorm
Sun Nov 10, 2013 2:27 am
 
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 329
Views: 39449

Re: More XIRR Questions

Thanks for that

Looking back, I need to try and work out exact starting and end value for 2012

Starting value is easy enough, I only started passive index investing around August 2012

Though I need to work out end value as at 31st Dec 2012 as I hadn't noted anything down
by Redstorm
Sun Oct 13, 2013 2:44 am
 
Forum: Investing - Theory, News & General
Topic: More XIRR Questions
Replies: 10
Views: 799

More XIRR Questions

I finally got XIRR to work on a spreadsheet =XIRR(B1:B15,A1:A15,0.1) Hopefully for 2013 I can track it accurately and enter in all purchases, sales, dividends to ascertain performance I'm curious though, looking back on the previous year and the fact that I had dividends paid out, what value do I as...
by Redstorm
Sat Oct 12, 2013 9:52 pm
 
Forum: Investing - Theory, News & General
Topic: More XIRR Questions
Replies: 10
Views: 799

Re: The market is on fire

The Australian share market has hit a five year high, gaining more than one per cent after the world's largest economy decided to continue its stimulus program. Local stocks opened strongly and gained momentum on Thursday after the United States Federal Reserve surprised the market with its decisio...
by Redstorm
Thu Sep 19, 2013 9:55 am
 
Forum: Investing - Help with Personal Investments
Topic: The market is on fire
Replies: 127
Views: 12541

Re: Tax Loss Harvesting Question

Thanks,

I checked out the RBD link and chart also
by Redstorm
Tue Sep 17, 2013 6:18 pm
 
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting Question
Replies: 3
Views: 291

Re: Bogleheads, why is this taboo? [Use Leverage in a Portfo

That's some impressive chart-work there Clive :D
by Redstorm
Tue Sep 17, 2013 5:43 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads, why is this taboo? [Use Leverage in a Portfolio]
Replies: 189
Views: 14909

Tax Loss Harvesting Question

http://farm4.staticflickr.com/3744/9790106706_aaf4f69351_b.jpg Not sure if the above screenshot will work, but here goes Over the last 12 months or so whilst stocks have moved northwards the Bond Index has moved south (re-balancing has been done quarterly with new funds) My question is, with Tax Lo...
by Redstorm
Tue Sep 17, 2013 5:25 pm
 
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting Question
Replies: 3
Views: 291

Re: "The Clash of the Cultures" -- A Gem

Got the book on Kindle along with the Bogleheads, Second Grade Investor, Millionaire Teacher, The Investment Answer and a few more good reads
by Redstorm
Sat Sep 14, 2013 9:34 am
 
Forum: Investing - Theory, News & General
Topic: "The Clash of the Cultures" -- A Gem
Replies: 14
Views: 2133

Re: Bogleheads, why is this taboo? [Use Leverage in a Portfo

baw703916 wrote: ...I think that leverage in the 20% range early in one's investing career may be helpful, provided all of the following apply: 1. You take on the leverage in such a way that you cannot have a margin call.... 1) How do you do that? Other than by holding a cash reserve equal to the a...
by Redstorm
Thu Sep 12, 2013 6:08 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads, why is this taboo? [Use Leverage in a Portfolio]
Replies: 189
Views: 14909

Re: Bogleheads, why is this taboo? [Use Leverage in a Portfo

True

Even $10 extra up front on a 30 year loan makes a difference
by Redstorm
Sun Sep 08, 2013 8:12 am
 
Forum: Investing - Theory, News & General
Topic: Bogleheads, why is this taboo? [Use Leverage in a Portfolio]
Replies: 189
Views: 14909

Re: Bogleheads, why is this taboo? [Use Leverage in a Portfo

technovelist wrote:I used leverage once. I got massacred. I learned my lesson.


Leverage in Real Estate has served me well though
by Redstorm
Fri Sep 06, 2013 7:59 am
 
Forum: Investing - Theory, News & General
Topic: Bogleheads, why is this taboo? [Use Leverage in a Portfolio]
Replies: 189
Views: 14909

Re: Thirty (30) Years

OK, but I have limited interest in the past; the future is where we're heading to... Was reading some sayings the other day, and thought that for just about every saying that I've heard that is supposedly wise, there is another saying that says the exact opposite which also imparts wisdom. Which on...
by Redstorm
Fri Sep 06, 2013 7:53 am
 
Forum: Investing - Theory, News & General
Topic: Thirty (30) Years
Replies: 6
Views: 1564

Thirty (30) Years

Vanguard's 30-year index chart tracks the growth of a $10,000 investment. If you invested $10,000 30 years ago and reinvested all income, you could now have: $268,733 if invested in Australian shares; $190,702 if invested in US shares; $168,900 if invested in listed property; $105,786 if invested in...
by Redstorm
Wed Sep 04, 2013 9:32 am
 
Forum: Investing - Theory, News & General
Topic: Thirty (30) Years
Replies: 6
Views: 1564

Re: Boxing (for fitness/workout)

Try this when skipping

http://www.youtube.com/watch?v=OSMvoZnh_ng

Double's are hard enough
by Redstorm
Wed Sep 04, 2013 9:14 am
 
Forum: Personal Consumer Issues
Topic: Boxing (for fitness/workout)
Replies: 19
Views: 1275

Re: Bogleheads, why is this taboo? [Use Leverage in a Portfo

Consider this hypothetical. Margin rates 3 Percent ... expected portfolio return of 8 percent (high - but stick with example) - standard deviation of such a portfolio 15 percent (VERY LOW). One third of the years you will have a return one standard deviation below 8 percent. ... adding in the 3 per...
by Redstorm
Tue Aug 20, 2013 8:27 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads, why is this taboo? [Use Leverage in a Portfolio]
Replies: 189
Views: 14909

Re: Bogleheads, why is this taboo?

While I agree with most of the above.. we all have a tendency to ignore the fact that anyone with a mortgage is doing exactly what you say and in a lot of cases far more than 110%. I know most will think this is off topic... but is it? Agreed Most here don't seem to invest in physical property, but...
by Redstorm
Mon Aug 19, 2013 7:33 am
 
Forum: Investing - Theory, News & General
Topic: Bogleheads, why is this taboo? [Use Leverage in a Portfolio]
Replies: 189
Views: 14909

Re: Bogleheads, why is this taboo? [Use Leverage in a Portfo

Index Funds = No

Leverage/Gearing with property is okay though :confused
by Redstorm
Mon Aug 19, 2013 6:47 am
 
Forum: Investing - Theory, News & General
Topic: Bogleheads, why is this taboo? [Use Leverage in a Portfolio]
Replies: 189
Views: 14909

Re: Bogleheads, why is this taboo? [Use Leverage in a Portfo

The problem with traditional leveraged investing isn't so much the leveraging (assuming you can handle the volatility); it's the margin calls. I have no doubt that market timer could handle the severe volatility his portfolio went through. What he couldn't handle was the margin calls. For this reas...
by Redstorm
Sun Aug 18, 2013 5:31 am
 
Forum: Investing - Theory, News & General
Topic: Bogleheads, why is this taboo? [Use Leverage in a Portfolio]
Replies: 189
Views: 14909

Re: [Australia] Creating $200k income p/a [(per annum)]

Someone else asked this recently (Australia) as property seems to be having another growth spurt in several areas

Ungeared index fund vs geared (80%LVR) residential property portfolio?

I want some opinions - out of the two, which would have a higher expected rate of return over the long term?
by Redstorm
Sun Aug 18, 2013 5:08 am
 
Forum: Investing - Help with Personal Investments
Topic: [Australia] Creating $200k income p/a [(per annum)]
Replies: 40
Views: 10815

Re: LinkedIn strategy?

There'a a Bogleheads group on LinkedIn
by Redstorm
Fri Aug 09, 2013 10:08 am
 
Forum: Personal Consumer Issues
Topic: LinkedIn strategy?
Replies: 51
Views: 5667

Re: Portfolio Returns

I'm trying again with a simpler model for myself No withdrawals or rebalancing, just dollar cost averaging each month, investing $1k as the unit price fluctuates End value is the value of all shares at the end unit price Starting Value $100,000.00 $1.00 100000 Date....Invested....Price....Shares 1/0...
by Redstorm
Sun Aug 04, 2013 6:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Returns
Replies: 6
Views: 613

Re: Portfolio Returns

If XIRR confuses you, simply download the absolutely free Microsoft Money sunset edition for Windows and use it to track your portfolio transactions. It can calculate performance between any 2 dates for any single investment or any collection of investments or accounts that you want without any has...
by Redstorm
Sat Aug 03, 2013 8:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Returns
Replies: 6
Views: 613

Re: Portfolio Returns

Thanks Reds This was an account I changed to Index Funds Starting with $60,603.61 and with an end value of $81,457.80 I initially used y-x/x and got 34.41% However I sold some shares in this account and balanced across several index funds How about a scenario where using the above starting and end d...
by Redstorm
Sat Aug 03, 2013 7:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Returns
Replies: 6
Views: 613

Portfolio Returns

Hi All I've read a bit about XIRR and had a look at putting numbers into a couple of spreadsheets with no joy, including a money-sense Rate of Return one which looked promising and had a graph attached also, sadly I just got N/A ### Is anyone able to assist with how I would work out the example belo...
by Redstorm
Sat Aug 03, 2013 4:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Returns
Replies: 6
Views: 613

Re: The Many Myths of Warren Buffett

There's also Warren Buffett: More myth than legend A $10,000 investment in Berkshire Hathaway stock in 1965 would have grown to be worth nearly $30 million 40 years later, in 2005. That's about 60 times as much as you would have made if you'd invested $10,000 in the Standard & Poor's 500 Index a...
by Redstorm
Fri Aug 02, 2013 7:46 am
 
Forum: Investing - Theory, News & General
Topic: The Many Myths of Warren Buffett
Replies: 29
Views: 4880

Re: Japanese Investor

An interesting article on the lost decades The Myth of Japan's 'Lost Decades' http://www.theatlantic.com/international/print/2011/02/the-myth-of-japans-lost-decades/71741/ TOKYO, Japan -- In this slot a few days ago I posed some historical questions that, judging by the email I have been receiving, ...
by Redstorm
Wed Jul 31, 2013 5:25 am
 
Forum: Investing - Theory, News & General
Topic: Japanese Investor
Replies: 13
Views: 1171

Re: Japan, 1989

Thanks Simplegift

A picture does speak 1,000 words
by Redstorm
Tue Jul 30, 2013 5:43 pm
 
Forum: Investing - Theory, News & General
Topic: Japan, 1989
Replies: 109
Views: 23673

Re: Japanese Investor

Thanks, some great info and links above
by Redstorm
Tue Jul 30, 2013 5:31 am
 
Forum: Investing - Theory, News & General
Topic: Japanese Investor
Replies: 13
Views: 1171

Re: Japan, 1989

Just finished reading this sobering and enlightening thread

Thanks to BPP and others

BPP the above

Along with no withdrawals, I take it that it doesn't factor in any new funds added throughout the course of the time period either, the re-balancing is just by adjusting/re-balancing asset allocation?
by Redstorm
Tue Jul 30, 2013 5:26 am
 
Forum: Investing - Theory, News & General
Topic: Japan, 1989
Replies: 109
Views: 23673

Re: Japanese Investor

Rebalancing out of bonds and into stocks over the last twenty years certainly hurt a Japan-only Boglehead. I can imagine they were always expecting the stock market to recover at some point. In this case, rare in modern history, long-term investors would have been much better off NOT rebalancing th...
by Redstorm
Mon Jul 29, 2013 7:15 pm
 
Forum: Investing - Theory, News & General
Topic: Japanese Investor
Replies: 13
Views: 1171

Japanese Investor

I had a quick look around the forum and couldn't see anything I was wondering how a middle aged Japanese Investor using a simple Boglehead strategy would have fared The Japanese market was an extreme example of a markets gyrations In 1989 the land of the Rising Sun was indeed rising and the Nikkei 2...
by Redstorm
Mon Jul 29, 2013 6:20 pm
 
Forum: Investing - Theory, News & General
Topic: Japanese Investor
Replies: 13
Views: 1171

Re: Why international stock in the 3 fund portfolio?

International for me is the US :wink:

I have

Aussie Market Index
US Market Index
International (ex US) Market Index
Aussie Bond Index

I believe the falling Aussie dollar has given additional gains to the US fund
by Redstorm
Mon Jul 29, 2013 7:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Why international stock in the 3 fund portfolio?
Replies: 24
Views: 1745

Re: The Many Myths of Warren Buffett

Interesting Nisiprius

No where near the new rich then?

1. Carlos Slim Helu & family $73 Billion

2. Bill Gates $67 Bilion

3. Amancio Ortega $57 Billion

4, Warren Buffett $53.5 Billion
by Redstorm
Mon Jul 29, 2013 7:01 am
 
Forum: Investing - Theory, News & General
Topic: The Many Myths of Warren Buffett
Replies: 29
Views: 4880

Re: The Many Myths of Warren Buffett

On a side note

Whatever happened to the Rothschilds, Rockefeller's, Carnegies', Schiffs etc and why do they not feature on the Forbes Worlds Richest Lists?
by Redstorm
Fri Jul 26, 2013 6:21 pm
 
Forum: Investing - Theory, News & General
Topic: The Many Myths of Warren Buffett
Replies: 29
Views: 4880

Re: The Many Myths of Warren Buffett

I am presently reading "The Snowball" (all 900 pages that is). Looks like a great book Buffett's story is fascinating A friend was telling me they recently read an article on Buffett where it discussed the numbers on his investment returns along with the returns from his structures. In sh...
by Redstorm
Fri Jul 26, 2013 6:17 pm
 
Forum: Investing - Theory, News & General
Topic: The Many Myths of Warren Buffett
Replies: 29
Views: 4880

The Many Myths of Warren Buffett

An interesting read here Make of it what you will http://pragcap.com/the-many-myths-of-warren-buffett But in digging deeper I realized that Warren Buffett isn’t just this value stock picker that he is widely portrayed as. What he has built is far more complex than that. In reality, he formed one of ...
by Redstorm
Fri Jul 26, 2013 7:15 am
 
Forum: Investing - Theory, News & General
Topic: The Many Myths of Warren Buffett
Replies: 29
Views: 4880

Re: [Australian] Listed Investment Companies

Thanks for the response wriggly Maybe something to look at for my "play money' also, the majority of my funds are in the below US Index Fund Australia Index Fund Word (ex US) Index Fund Australian Bond Index My benchmark for the above funds is to outperform the ASX Accumulation Index Outperform...
by Redstorm
Fri Jul 19, 2013 5:57 pm
 
Forum: Investing - Theory, News & General
Topic: [Australian] Listed Investment Companies
Replies: 2
Views: 387

[Australian] Listed Investment Companies

I’ve talked about Index Investing with a couple of other Australian investors, however a number of them whom have looked at index investing have gone down the route of investing in LIC’s (Listed investment Companies) instead in Australia due to lower MER’s and comparable returns. Would a LIC be an a...
by Redstorm
Fri Jul 19, 2013 5:55 am
 
Forum: Investing - Theory, News & General
Topic: [Australian] Listed Investment Companies
Replies: 2
Views: 387
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