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Re: retired at 37?

If they both are boglehead lawyers absolutely. If the spouse is on the same page and saving the same amount from the same time there is no reason they cant retire. The key being that both people in the relationship are into this. if its only one, good luck lol
by Snowjob
Sun Mar 30, 2014 9:02 pm
 
Forum: Investing - Theory, News & General
Topic: retired at 37?
Replies: 52
Views: 4934

Re: William Bernstein-When you've won the game, why keep pla

because there is no re-balancing from the liability match to the risk side. the purpose of the liability match portfolio is just that -- to match your liabilities so you dont ever need to think about them.
by Snowjob
Fri Mar 28, 2014 7:26 am
 
Forum: Investing - Theory, News & General
Topic: William Bernstein-When you've won the game, why keep playing
Replies: 241
Views: 25055

Re: Dividend strategy popularity sowing seeds of disappointm

If simply buying the stock with the lowest P/E ratio was the key to riches on Wall Street, I would have been sitting on the beaches in Hawaii a long time ago. Ironically if you did weight by PE's or almost any other measure (good or bad surprisingly) and diversified across the market you have beate...
by Snowjob
Sat Feb 22, 2014 8:23 am
 
Forum: Investing - Theory, News & General
Topic: Dividend strategy popularity sowing seeds of disappointment
Replies: 10
Views: 1556

Re: Art Cashin

OP - While I do not believe in Technical Analysis as something I should base my investments on, there are many folks to who do. I believe that for smaller moves +/- 5-8% technicals can play a factor if only because there are enough people out there using them that they can have an effect on the mark...
by Snowjob
Sat Feb 22, 2014 8:14 am
 
Forum: Investing - Theory, News & General
Topic: Art Cashin
Replies: 28
Views: 1543

Re: Dividend strategy popularity sowing seeds of disappointm

The problem you are having with the article is that comparing a value fund to a dividend fund will never be apples to apples. I sympathize with Larry though. If we reduce this to absurdity and half of the market participants went to a dividend growth strategy, those companies would be bid to such ex...
by Snowjob
Fri Feb 21, 2014 9:16 pm
 
Forum: Investing - Theory, News & General
Topic: Dividend strategy popularity sowing seeds of disappointment
Replies: 10
Views: 1556

Re: Why I'm A passive investor

The winning at the game of life section to me is actually the reason I will be pushing to a more and more passive strategy as I age. I've been guilty of this at various points.
by Snowjob
Tue Feb 11, 2014 5:45 pm
 
Forum: Investing - Theory, News & General
Topic: Why I'm A passive investor
Replies: 16
Views: 2162

Re: RAFI Fundamental Indexes(FI) vs. Russell FIs

have not had a chance to review this but i was interested in the Russel re balancing scheme and as it didn't appear that any consensus was reached in this thread I figured I'd share the link I stumbled upon. http://www.russell.com/indexes/documents/research/fundamental-index-innovative-rebalancing-p...
by Snowjob
Fri Dec 06, 2013 3:49 pm
 
Forum: Investing - Theory, News & General
Topic: RAFI Fundamental Indexes(FI) vs. Russell FIs
Replies: 41
Views: 2591

best way to store your gold & silver

I know most people don't have any in their portfolios -- I don't either. But for those that do, what is the best way to store the physical commodity? If someone wanted to hold a bunch of 1 ounce coins, do you just throw them in a box? do they come sealed in a plastic casing like a commemorative coin...
by Snowjob
Sun Oct 13, 2013 5:36 pm
 
Forum: Personal Consumer Issues
Topic: best way to store your gold & silver
Replies: 23
Views: 1631

Re: What age did you start investing and where are you now?

2004 started investing in a Roth
2005 graduated with a BS and got a white collar job
2008 started moving aggressively via leverage in the summer of 08 before the big crash (ouch???)
2009 survived and have been riding the wave back up
2013 total portfolio at about 10x my gross salary.

Age early 30s.
by Snowjob
Sun Sep 29, 2013 8:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: What age did you start investing and where are you now?
Replies: 42
Views: 4703

Re: Any US-Only/Mostly-US Stock Holders Getting Nervous?

I significantly deleveraged about a week ago from positions that were overwhelmingly US equity.

I'm still heavily tilted to US equity vs fixed income, but after 4 booming years and current valuations I had to take some off the table. So nervous of losing what I've made I guess.
by Snowjob
Wed Aug 07, 2013 12:02 pm
 
Forum: Investing - Theory, News & General
Topic: Any US-Only/Mostly-US Stock Holders Getting Nervous?
Replies: 114
Views: 10369

Re: My Early Retirement Thoughts and Calculations

Do the following.

1.) Work 3-5 more years: This will increase your savings and cut down on your requirements at the same time.
2.) Find a part time fun job during retirement: Brings in some extra income here or there, no strings attached, keeps you active also!
by Snowjob
Wed Jul 31, 2013 3:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: My Early Retirement Thoughts and Calculations
Replies: 43
Views: 7856

Re: Building Credit -- Keep the loan?

The balance is small and the interest rate low in absolute terms.

I would keep the loan, pay it off as scheduled and use the money to bolster the emergency fund or add to tax advantaged investment accounts -- liquidity at your age should be the first concern.
by Snowjob
Wed Jul 31, 2013 1:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Building Credit -- Keep the loan?
Replies: 17
Views: 1049

Re: View investments accounts as whole or separately?

I am guilty of mental accounting even though theory would state its silly to do so. However, if you do want to do mental accounting you need to make sure the accounts are actually designed to behave differently. I don't see the allocation percentages laid out in your post but all three accounts seem...
by Snowjob
Sun Jul 21, 2013 1:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: View investments accounts as whole or separately?
Replies: 14
Views: 701

Re: Can I retire?

Yes you can retire. 2M in index funds, the dividend on that will cover your 80k per year w/o even touching the 500k in your tax advanged accouts or your home (as a source of funds if needed) that's a huge margin of safety. In addition if things went really wrong you could always get a job or cut bac...
by Snowjob
Sun May 12, 2013 9:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I retire?
Replies: 78
Views: 7641

Re: Using Ayres/Nalebuff leveraged strategy (Lifecycle Inv.)

2 points Point 1: My experience with interactive brokers margin calls were I got an email 10 min before the end of the trading day saying I was in violation of my margin requirements and needed to raise cash. I didn't realize the email came in and they sold down a position for me to get my account i...
by Snowjob
Fri May 10, 2013 8:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Using Ayres/Nalebuff leveraged strategy (Lifecycle Inv.)
Replies: 32
Views: 2689

Re: 2 K-1s in an IRA ; both together are > $1000 limit, etc

Watch out, some of the recapture can come back as these as well from my understanding. its just not worth hold them in the IRA plain and simple
by Snowjob
Tue Apr 30, 2013 1:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2 K-1s in an IRA ; both together are > $1000 limit, etc
Replies: 12
Views: 862

Re: A nice talk about gold in ones portfolio

Even more now MT
by Snowjob
Mon Apr 15, 2013 6:52 am
 
Forum: Investing - Theory, News & General
Topic: A nice talk about gold in ones portfolio
Replies: 103
Views: 6371

Re: [Poll] My Tax-Advantaged Accounts > $3m?

Tax-advantaged accounts: IRA Roth IRA Non-deductible IRA Inherited IRA Inherited Roth IRA FSA if the use-it-or-lose-it rule is revoked HSA 401k Roth 401k After-tax 401k 403b Roth 403b After-tax 403b 457b solo 401k SIMPLE SEP IRA 529 pension deferred compensation plan UTMA personal residence I-bonds...
by Snowjob
Sat Apr 13, 2013 9:42 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] My Tax-Advantaged Accounts > $3m?
Replies: 55
Views: 4018

Re: [Poll] My Tax-Advantaged Accounts > $3m?

I think most people are thinking about this only in terms of their 401k/ira. If you expand it to all your tax-advantaged accounts (including PV of defined benefits like pension etc) as is implied by the post and you assume low interest rates that we have today for discounting purposes I think you wi...
by Snowjob
Fri Apr 12, 2013 4:40 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] My Tax-Advantaged Accounts > $3m?
Replies: 55
Views: 4018

Re: Continued bloodbath in the shipping industry concerning?

As Value said, this is a massive over capacity. Supercharged demand between 2000 and 2010 (oil price run and china boom) led to huge day rates for shippers. Everyone financed huge backlogs of ships to take advantage of this and now that the supply has been brought to bear the over last few years, th...
by Snowjob
Wed Apr 10, 2013 9:01 pm
 
Forum: Investing - Theory, News & General
Topic: Continued bloodbath in the shipping industry concerning?
Replies: 4
Views: 702

Re: Anyone selling these days?

This is the problem with being in that cult of ours, no easy/simple/blind re balance process...

If what you own still represents a significantly better value than your alternatives and you already have a sufficient buffer of cash / fixed income, why bother making a change?
by Snowjob
Mon Apr 08, 2013 5:06 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone selling these days?
Replies: 33
Views: 2693

Re: Why do investors chase dividend paying strategies

Quick, everyone think of the first method by which stocks are priced by the marketplace! How many of you said earnings? How many said cash flow? How many said book value? I would say the most dominant pricing mechanisms are probably in that order, Earnings/Share -> CF/Share -> BV/Share. I mean unles...
by Snowjob
Thu Apr 04, 2013 3:08 pm
 
Forum: Investing - Theory, News & General
Topic: Why do investors chase dividend paying strategies
Replies: 439
Views: 34090

Re: Stockman Warns of Crash of Fed-Fueled Bubble Economy

Krugman's blog is a good place to start reading the demolition of David Stockman. Then you can follow the links out there to the detailed deconstructions...Ignore noise. And spurious 'theories'. Wait, now I'm confused. You say to read Krugman's blog and to ignore noise. How would I do this? +1 If w...
by Snowjob
Tue Apr 02, 2013 1:53 pm
 
Forum: Investing - Theory, News & General
Topic: Stockman Warns of Crash of Fed-Fueled Bubble Economy
Replies: 20
Views: 1595

Re: 1 Stock - How to Play it? - Margin Implications - Need H

I use margin I use individual stocks I do run a relatively concentrated portfolio That said, remember im just some voice on the internet speaking here, but just hear me out here. back of the envelope math, -50% of your longs (1 large position) are underwater by about 5-8% -50% (the rest of your long...
by Snowjob
Thu Mar 14, 2013 9:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: 1 Stock - How to Play it? - Margin Implications - Need Help!
Replies: 38
Views: 2222

Re: Early Retirement Strategy

Im about 5 years ahead of you and when I was your age I had similar aspirations, save a bunch of money early to get ahead of the game and then retire early so i could do what I felt like doing instead of running a 40 year career marathon. I guess it would be best served if I gave you this general ad...
by Snowjob
Tue Mar 05, 2013 12:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Early Retirement Strategy
Replies: 21
Views: 3634

Re: A different approach to asset allocation

This is a *long* thread. Would it be possible for you or someone else to summarize it in a few paragraphs or is it something I'm just going to have to read? Page one, paragraph one. For some technical reason, I'm not able to edit that post anymore. Net worth has steadily climbed to $350K since the ...
by Snowjob
Wed Feb 27, 2013 12:59 pm
 
Forum: Investing - Theory, News & General
Topic: A different approach to asset allocation
Replies: 1417
Views: 476766

Re: Boglehead Concert Goers?

I used to do about 15-20 shows a year. Mostly Rock and Jam band stuff, now more folky underground stuff. Grew up in the 80s and 90s so had a lot of alternative / grunge influence early on. Got me into classic rock and the explosion of phish got me into jam bands for a bit. Last few shows I've been t...
by Snowjob
Mon Feb 11, 2013 12:32 am
 
Forum: Personal Consumer Issues
Topic: Boglehead Concert Goers?
Replies: 48
Views: 2077

Re: How do things look to you young investors these days?

Age: 30 years old Long Term View: Mixed bag. Employment: For the educated worker, things are looking up. While you old folks will stress the crap out of SS and Medicare etc, someone has to come in and take over for all the retiring baby boomers. For me however, I'm thinking of extreemly early pseudo...
by Snowjob
Mon Feb 11, 2013 12:22 am
 
Forum: Personal Finance (Not Investing)
Topic: How do things look to you young investors these days?
Replies: 87
Views: 6972

Adjusting Strategy when you hit your # early

I feel like this question if it doesnt apply to a lot of people now, will apply to a lot of younger people on this website during their lives since we got started on the right foot by saving early. Basically, If you start out by saving and investing in a conventional mix of bonds and stocks with a t...
by Snowjob
Tue Jan 29, 2013 9:07 am
 
Forum: Investing - Theory, News & General
Topic: Adjusting Strategy when you hit your # early
Replies: 38
Views: 2482

Re: Challenge: How to invest today for a 40 year horizon?

Basically I want as much as possible with the minimum acceptable being $200,000 in Jan-2053. Let say 99.9% probability that the Balance >= $200,000. Any less would be considered a failure. But $300,000 would be better and $1,000,000 would be better still. There are no guarantees of any type of retu...
by Snowjob
Wed Jan 23, 2013 7:54 am
 
Forum: Investing - Theory, News & General
Topic: Challenge: How to invest today for a 40 year horizon?
Replies: 60
Views: 4588

Re: 10 Year Retrospective

Agreed with the other responders, I have enjoyed your work and the debates with Small-Hi over the last 5 years that I've been reading the forums. Given your meticulus calculations my assumption is you stripped out from your portfolio returns, the value of new contributions and that adding these back...
by Snowjob
Mon Jan 07, 2013 10:08 am
 
Forum: Investing - Theory, News & General
Topic: 10 Year Retrospective
Replies: 25
Views: 5379

Re: Taxes, Filing, & Spouse Wage Gap

Ok so file joinly to reduce the bracket thats an interesting idea I hadnt thought of lol. I guess I'm just completely new to the topic. Would that change if say there is a small business involved? I just assume that for simplicity if one runs a sole prop, that it would make sense to keep things sepe...
by Snowjob
Mon Jan 07, 2013 9:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Taxes, Filing, & Spouse Wage Gap
Replies: 12
Views: 841

Taxes, Filing, & Spouse Wage Gap

This is all hypothetical as I am not married and know very little about how taxes change once you are but are there any circumstances where it makes sense to file separately even though your married? For example, if one person is self employed and the other works for an employer, I would think this ...
by Snowjob
Mon Jan 07, 2013 1:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Taxes, Filing, & Spouse Wage Gap
Replies: 12
Views: 841

Re: At What Level Does a Portfolio Take Off?

I think this is a complete myth. There is no level at which a portfolio "takes off" due to supercharged compounding. Your gains are a percentage of your portfolio and that's it. Your losses are the same. The fact that it may gain more at some point than you might put in is not because the...
by Snowjob
Fri Jan 04, 2013 1:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: At What Level Does a Portfolio Take Off?
Replies: 94
Views: 8702

Re: value of an annuity for state insurance purposes

For the only states I've looked at, the coverage is limited based on the present value of the annuity contract. But, I've only looked at a few states, so I would strongly encourage you to check the actual rules for your own state before making any decisions. Also, wouldn't the PV of a fixed lifetim...
by Snowjob
Thu Jan 03, 2013 4:44 pm
 
Forum: Investing - Theory, News & General
Topic: value of an annuity for state insurance purposes
Replies: 3
Views: 237

value of an annuity for state insurance purposes

Say I were to buy an annuity today for 100 dollars and my state insures annuities up to 100 dollars. If 10 years from now the state still ensures 100 dollars of annuities per policy holder but the present value of that annuity is now valued at 125 dollars, does the insurance cover the annuity at the...
by Snowjob
Wed Jan 02, 2013 11:25 pm
 
Forum: Investing - Theory, News & General
Topic: value of an annuity for state insurance purposes
Replies: 3
Views: 237

Re: Bogleheads 2013 Hedgefund Contest

The annual results are (and will stay) online for 2009 , 2010 , 2011 , and 2012 . I suspect that's not your intention in asking though. You probably want those tables updated with closing prices as of today. I can do that pretty easily but there will be some significant holes because of the cumulat...
by Snowjob
Wed Jan 02, 2013 9:32 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2013 Hedgefund Contest
Replies: 151
Views: 13448

Re: Bogleheads 2013 Hedgefund Contest

Hey Norbert, do you have the historical results from the last 3 years? would be interesting to see how our portfolios have done over time =)
by Snowjob
Wed Jan 02, 2013 2:35 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2013 Hedgefund Contest
Replies: 151
Views: 13448

Re: Bogleheads 2013 Hedgefund Contest

Free Lunch Fund, now in its 4th year --

Long, BAC, AIG
Short, ZNGA, GRPN
by Snowjob
Tue Jan 01, 2013 10:25 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2013 Hedgefund Contest
Replies: 151
Views: 13448

Bogleheads 2013 Hedgefund Contest

[See below. -- admin LadyGeek]
Are we going to do another one again next year? This is always a fun exercise
by Snowjob
Wed Dec 26, 2012 8:06 am
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2013 Hedgefund Contest
Replies: 151
Views: 13448

Re: How does a plan for early retirement affect where you in

As far as I'm concerned, pay less and pay later are the way to think about taxes. So most deferals will be spot on, I think the 401k is a great vehical. Do you mind telling us your growth assumptions for your investments? I actually dont quite understand your plan yet. in real dollars -- 550k to sus...
by Snowjob
Mon Oct 22, 2012 4:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: How does a plan for early retirement affect where you invest
Replies: 31
Views: 2692

Re: I'm 25: Should I be mad that the market is doing well?

No, you should be very happy the market is doing well. if the market was crashing and burning you would be worried about your job, keeping one or getting one at your age. Good market returns are usually a reflection of good corporate earnings which means theres less pressure immediately on you as an...
by Snowjob
Mon Sep 24, 2012 12:30 pm
 
Forum: Investing - Theory, News & General
Topic: I'm 25: Should I be mad that the market is doing well?
Replies: 41
Views: 3700

Re: POLL: What type of fixed income ladder do you have, if a

Im glad I'm still early in the communication phase -- it gives me many years to keep kicking around different investing ideas. At one point I thought about doing a bare bones expense covering tips ladder as part of my portfolio but with the low real rates I've descided its way to risky. I just dont ...
by Snowjob
Wed Sep 12, 2012 10:07 am
 
Forum: Investing - Theory, News & General
Topic: POLL: What type of fixed income ladder do you have, if any?
Replies: 12
Views: 1147

Re: How am I doing so far and what's my next step? Age 26

Total net worth at that age your are in fantastic shape relative to your peers. Will you be ok to retire at 50-55? Thats up to you. You say if your income doesnt go up much more but neither do your expenses. Thats a monsterous amount of ifs right there largely dependant on 3 things. 1) life style 2....
by Snowjob
Wed Sep 12, 2012 12:23 am
 
Forum: Investing - Help with Personal Investments
Topic: How am I doing so far and what's my next step? Age 26
Replies: 10
Views: 1083

Re: Estimating Long Term Growth and Social Security

given that Im a cheap boglehead who only earns a modest salary ( far below 100K ) I am estimating a real return of about 0-1% right now. This is because (US) stocks and (US) bonds are both relatively expensive right now. We have meager yields, slow growth, and global macro-economic headwinds of fisc...
by Snowjob
Thu Aug 23, 2012 10:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Estimating Long Term Growth and Social Security
Replies: 7
Views: 734

Re: Increase assets or decrease liabilities?

Liquidity is the most important thing, followed by interest rates and equity ratio. Aside from that, looking long term in todays low interest rate era as long as you can lock in long term fixed rates asset accumulation may be preferable -- though this specifically has to do with my believe that we w...
by Snowjob
Mon Aug 20, 2012 1:43 pm
 
Forum: Investing - Theory, News & General
Topic: Increase assets or decrease liabilities?
Replies: 54
Views: 6974

Re: When did you start to save a regular significant amount?

I'm reasonably sure I am far above the majority of my peers in terms of savings/investments. If your household has more than $250,000 in retirement savings, then you are in the top 10% of households, according to the most recent EBRI annual survey. If you have more than 1 million, then you are in t...
by Snowjob
Mon Aug 20, 2012 1:17 pm
 
Forum: Investing - Theory, News & General
Topic: When did you start to save a regular significant amount?
Replies: 81
Views: 10452

Re: When did you start to save a regular significant amount?

I think I was almost 24, It had been a bit over a year with my first "real" job after college and I looked back and realized wow, I spent a year of my life working and I dont have anything in the bank to show for it... Thats when I went back to my friend at work and said, ok I guess I real...
by Snowjob
Mon Aug 20, 2012 12:23 pm
 
Forum: Investing - Theory, News & General
Topic: When did you start to save a regular significant amount?
Replies: 81
Views: 10452

Re: Why Start a Business or Work for yourself?

I dont know anyone with that type of money to throw around, where they'll do it for the hell of it, but clearly were not going to come to an agreement on that point.
by Snowjob
Wed Aug 15, 2012 6:38 pm
 
Forum: Investing - Theory, News & General
Topic: Why Start a Business or Work for yourself?
Replies: 33
Views: 4689

Re: Why Start a Business or Work for yourself?

While those with failing business might not have had compitent owners, I bet each of those owners thought they were compitent enough to start that business.
by Snowjob
Wed Aug 15, 2012 6:16 pm
 
Forum: Investing - Theory, News & General
Topic: Why Start a Business or Work for yourself?
Replies: 33
Views: 4689
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