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Re: The ABCs of Common Sense Investing (rhyme time)

Sure enough Bertilak, that does improve it! For the benefit of other readers, let me try to explain why your word change improves it. Here are five cases where harvesting not just defers (creates tax-free loan) but LOWERS your taxes: * You repurchase similar asset and sell in future when in lower ta...
by Stickman
Tue Dec 23, 2014 1:19 am
 
Forum: Investing - Theory, News & General
Topic: The ABCs of Common Sense Investing (rhyme time)
Replies: 13
Views: 1926

Re: The ABCs of Common Sense Investing (rhyme time)

Thanks everyone. I still welcome improvements. My wife and son looked at my draft this morning and said "Come on! Needs a strong finish." So I tossed out what I had, and remembered seeing this interesting quote start a chapter in Larry Swedroe's most recent book: To know you have enough is...
by Stickman
Thu Dec 18, 2014 2:39 am
 
Forum: Investing - Theory, News & General
Topic: The ABCs of Common Sense Investing (rhyme time)
Replies: 13
Views: 1926

The ABCs of Common Sense Investing (rhyme time)

A call to all Bogleheads, I hope you’ll receive this. There’s room for improvement, with collective genius. It’s not just for ourselves, we enjoy helping others. Some will think this all poppy-cock and have their own druthers. (Having too much fun. Happy Holidays to all!) - Rick Van Ness :-) The ABC...
by Stickman
Wed Dec 17, 2014 5:26 pm
 
Forum: Investing - Theory, News & General
Topic: The ABCs of Common Sense Investing (rhyme time)
Replies: 13
Views: 1926

Re: Why not 100% Stocks?

MarSam, welcome to the forum. The stocks/bond ratio is your first and most important asset allocation question. The Bogle suggestion to “own your age in bonds” is helpful for most everyone who does not know where to start. The answer is all about risk—what author Larry Swedroe calls your ability, wi...
by Stickman
Thu Oct 02, 2014 5:13 pm
 
Forum: Investing - Theory, News & General
Topic: Why not 100% Stocks?
Replies: 274
Views: 21934

Re: Bonds - Are they essential in a new portfolio?

Hi New2Investing, welcome to the forum.

Here are some wiki videos that address your question:
http://www.bogleheads.org/wiki/Video:_Why_bother_with_bonds%3F

Hope that helps,
Rick
by Stickman
Wed Apr 23, 2014 1:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Bonds - Are they essential in a new portfolio?
Replies: 8
Views: 1663

Learn Bond Basics In Minutes (new short videos in Wiki)

If you're a beginner and well-edited videos help you learn, then you might want to check these out. My previous series of short videos Why bother with bonds? address why CDs, bonds, and bond funds are critical to building an all-weather portfolio—even during low interest rates. Why bonds 1: because ...
by Stickman
Fri Mar 14, 2014 5:43 pm
 
Forum: Investing - Theory, News & General
Topic: Learn Bond Basics In Minutes (new short videos in Wiki)
Replies: 0
Views: 319

Re: Rick Van Ness and Jack Bogle

Thank you Taylor! You're very kind. I try my best to faithfully translate Boglehead principles for beginners, which would be 99% of us. Happy to say that well over 100,000 have viewed these on YouTube. That would fill a few theatres. ;-) My latest work has been to explain bonds. I'll start a new thr...
by Stickman
Fri Mar 14, 2014 5:24 pm
 
Forum: Investing - Theory, News & General
Topic: Rick Van Ness and Jack Bogle
Replies: 2
Views: 954

Re: Four answers to consider for: Why Bother With Bonds?

Thanks for all your kind words! My real challenge is to reach the majority of others who have never heard the Boglehead messages, but just might type a question into a search engine like YouTube or Google. I’m inspired by each of you—the way you generously help others and share your wisdom—and I am ...
by Stickman
Mon Oct 21, 2013 5:08 pm
 
Forum: Investing - Theory, News & General
Topic: Four answers to consider for: Why Bother With Bonds?
Replies: 10
Views: 2092

Four answers to consider for: Why Bother With Bonds?

I make bite-size videos to push the Boglehead message out to new audiences. My latest are four short answers to consider for the common question: Why Bother With Bonds? If you enjoy this format, you can also view these in our wiki (transcripts included). http://www.bogleheads.org/wiki/Video:_Why_bot...
by Stickman
Sun Oct 20, 2013 12:20 pm
 
Forum: Investing - Theory, News & General
Topic: Four answers to consider for: Why Bother With Bonds?
Replies: 10
Views: 2092

Re: Bogleheads Without Avatars

OK, I'll choose this happy fellow. Although I'll have to admit, people call me Stickman because I manage the stick holding up the lid of a grand piano at a concerto competition every year. Big job right? But it is my absolute favorite day of every year and volunteering in this way allows me to sit c...
by Stickman
Fri Jul 19, 2013 5:31 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads Without Avatars
Replies: 197
Views: 15146

Re: [Sad news - Pat Larimore]

Taylor,

Thank you for sharing your news with that video.
What a wonderful and full life she had!
My condolences to you and your family.

Rick
by Stickman
Fri Jul 19, 2013 12:12 pm
 
Forum: Investing - Theory, News & General
Topic: [Sad news - Pat Larimore]
Replies: 225
Views: 16405

Re: Fun Interactive Video: Outfox-the-box plus more

That's a great suggestion! Done. Fixed.

And now a thank-you :sharebeer to you and all others who offered suggestions on how to improve it.
by Stickman
Sun Jul 14, 2013 1:39 pm
 
Forum: Investing - Theory, News & General
Topic: Fun Interactive Video: Outfox-the-box plus more
Replies: 7
Views: 674

Re: Fun Interactive Video: Outfox-the-box plus more

Well, here's :sharebeer to all who proved their Boglehead cred with correct answers (no surprise there!), and
another :sharebeer to all who shared the link as a friendly way to nudge a friend towards low-cost index funds. -Rick
by Stickman
Sat Jul 13, 2013 10:39 am
 
Forum: Investing - Theory, News & General
Topic: Fun Interactive Video: Outfox-the-box plus more
Replies: 7
Views: 674

Fun Interactive Video: Outfox-the-box plus more

Does anything distill the index fund message more vividly than Outfox-the-box? I’m always looking for quick fun ways to capture the attention of the vast majority, teach them the basics, and then point them to resources such as Bogleheads.org and my favorite authors and blogs. Here’s my latest proje...
by Stickman
Wed Jul 10, 2013 1:02 pm
 
Forum: Investing - Theory, News & General
Topic: Fun Interactive Video: Outfox-the-box plus more
Replies: 7
Views: 674

Re: Help create a Financial Presentation: Calling all Bogleh

Hi all, This is an area of interest to me and I'd be happy to contribute. I originally ran free brownbag seminars at two local universities to provide common sense investing wisdom from an unbiased perspective (as in, I don't sell anything). My original materials were for workshops of 15-25 students...
by Stickman
Sun Jun 09, 2013 12:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Help create a Financial Presentation: Calling all Bogleheads
Replies: 106
Views: 10013

Re: Retiree poll: When did you retire?

Can I be retired while my wife is still working? Many would consider me retired but I think not. I'm saving that term to refer to when we no longer have income as a couple. Meanwhile, I sure am enjoying being a house-husband. :-)
by Stickman
Thu May 16, 2013 7:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retiree poll: When did you retire?
Replies: 36
Views: 3261

Re: today's Dilbert cartoon

VERY good. :happy
Thanks!
by Stickman
Wed Apr 17, 2013 9:54 pm
 
Forum: Investing - Theory, News & General
Topic: today's Dilbert cartoon
Replies: 31
Views: 5317

Re: BofA HSA: Available Investments

Learning_head, I originally thought there was an incremental savings in alternative 2 over alternative 1 for the same $8,000 out-of-pocket contribution. What I hadn’t initially recognized was the benefit in alternative 1 of converting $4,000 taxable dollars to tax-free dollars in the HSA. You could ...
by Stickman
Sun Jan 13, 2013 5:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: BofA HSA: Available Investments
Replies: 18
Views: 1149

Re: BofA HSA: Available Investments

Thanks. It seems like it’s just a wash now that I think about it further. Expanding on my earlier example: Alternative 1: $4,000 IRA contribution $4,000 HSA contribution $8,000 less taxable income (currently worth $2,000 @ 25% with deferred taxes on the incremental $4,000 IRA contribution ) Alternat...
by Stickman
Sun Jan 13, 2013 3:07 am
 
Forum: Investing - Help with Personal Investments
Topic: BofA HSA: Available Investments
Replies: 18
Views: 1149

Re: BofA HSA: Available Investments

Umfundi, I don't follow. I'm assuming there are limited dollars that can be used for IRA and HSA contributions. In my two examples the out-of-pocket contributions both total $8,000. If this is going to be true then the second alternative gives you an additional benefit. If you have enough money to c...
by Stickman
Sat Jan 12, 2013 8:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: BofA HSA: Available Investments
Replies: 18
Views: 1149

Re: BofA HSA: Available Investments

I am not sure when it would be beneficial to make IRA-to-HSA conversion... (maybe only if your tax bracket is 0% or 10%?) Learning_head, if you have not maxed-out on your tax-deferred alternatives then this benefits you as follows: Alternative 1: $4,000 IRA contribution $4,000 HSA contribution $8,0...
by Stickman
Sat Jan 12, 2013 6:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: BofA HSA: Available Investments
Replies: 18
Views: 1149

Re: BofA HSA: Available Investments

I chose Alliant Credit Union for my HSA account and it currently earns 1.25% there (last I checked). I keep my mutual funds elsewhere for lower cost, and since they may be longer term investments. TIP: you are entitled to a once per lifetime contribution from a traditional IRA account (same dollar l...
by Stickman
Sat Jan 12, 2013 11:26 am
 
Forum: Investing - Help with Personal Investments
Topic: BofA HSA: Available Investments
Replies: 18
Views: 1149

Re: Excellent outlook on the economy from Vanguard

I second that. We heard this presentation at the recent BH conference. Terrific then, and terrific now.
by Stickman
Mon Dec 31, 2012 5:10 pm
 
Forum: Investing - Theory, News & General
Topic: Excellent outlook on the economy from Vanguard
Replies: 15
Views: 3331

Re: Requesting your help for a book on Jack Bogle's legacy

Allan, I'm glad to hear of your project! Here's my story... An old saying that has been very true for me is: “When you are ready, a teacher will appear.” Jack Bogle has been the third, and most influential, of three that I’ll mention. The first was in 1978 when Andrew Tobias wrote his popular best s...
by Stickman
Fri Dec 21, 2012 11:33 pm
 
Forum: Investing - Theory, News & General
Topic: Requesting your help for a book on Jack Bogle's legacy
Replies: 25
Views: 2266

Re: Wiki - Investing Philosophy Comments (Bogleheads 11 Q&A)

Thanks LadyGeek. Yes, I think all three points are best left as they are. The opening paragraph to Video:Bogleheads® investment philosophy treats “living below your means” in the introductory comments rather than as a first rule: You need to save money to invest. This means spend less than you earn ...
by Stickman
Sat Oct 20, 2012 5:05 pm
 
Forum: Investing - Theory, News & General
Topic: Wiki - Investing Philosophy Comments (Bogleheads 11 Q&A)
Replies: 13
Views: 893

Re: Case against Index funds

Below is a link so you can listen to Warren Buffett yourself, where he says the following: "If you are not a professional investor, if your goal is not to manage money in such a way that you get a significantly better return than world, then I believe in extreme diversification. I believe that ...
by Stickman
Thu Aug 30, 2012 12:20 am
 
Forum: Investing - Theory, News & General
Topic: Case against Index funds
Replies: 50
Views: 4984

Re: Anyone vacationed to Peru and hiked Machu Picchu?

Shortly after reading this thread in December we signed up for trekking in Peru. If sleeping in tents is keeping you from doing the same, then watch my short video about our trip—which you'd have to describe as hiking between remote luxury lodges high in the Andes mountains of Peru before descending...
by Stickman
Mon Apr 09, 2012 5:40 pm
 
Forum: Personal Consumer Issues
Topic: Anyone vacationed to Peru and hiked Machu Picchu?
Replies: 28
Views: 2524

Re: Bogleheads forum is the Go To Source for Investing

Well, a website is only as valuable as its content. I too thank the founders, but I wish to say that I have learned much from you too Livesoft (!) and from many other Bogleheads who so generously give us their time and wisdom. I admire many of you and look forward to meeting everyone who attends the...
by Stickman
Sun Mar 11, 2012 5:52 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads forum is the Go To Source for Investing
Replies: 4
Views: 618

Re: Pat is coming home !

Pat,
Welcome Home! We wish you wonderful times ahead with the ones you love.
And, Thank You! (for supporting Taylor as he helped so many of us)
Sincerely,
Rick
by Stickman
Sat Mar 10, 2012 6:26 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Pat is coming home !
Replies: 115
Views: 10090

Re: Portfolio review - Too many funds

Looks like I have some rebalancing to do in all of the accounts. Super tiny semantics point: moving assets to most tax efficient locations is not rebalancing. Rebalancing is maintaining your risk at your desired level—which is probably more important than tax efficiency. The simplest measure would ...
by Stickman
Thu Mar 08, 2012 11:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - Too many funds
Replies: 7
Views: 986

Re: NYTimes:The Value of a Written IPS

Thanks Barry! My experience is that (investment) plans that are not written tend to change with the wind. This may be less true of people on this forum, but probably true for most of the population. I think there is tremendous value is starting with a quick draft, and then changing it as you learn m...
by Stickman
Thu Mar 08, 2012 4:24 pm
 
Forum: Investing - Theory, News & General
Topic: NYTimes:The Value of a Written IPS
Replies: 3
Views: 544

Re: Portfolio review - Too many funds

I'll start. YES. Too many funds. Think about using just the total market funds unless you have a specific reason not to. You'll save money and have fabulous diversification. Next, it does matter what you have in your tax-advantaged funds. You need to learn about tax-efficiency so you will understand...
by Stickman
Wed Mar 07, 2012 5:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - Too many funds
Replies: 7
Views: 986

Re: Beginning Investor - Retirement to Emergency Fund

Velillen, Welcome to the forum! You are off to a great start, so congratulate yourself! I have two simple suggestions. First, you might find these short videos to be a useful and interesting way to grasp the key concepts. There is no rush. You are off to a good start. But there are a few key concept...
by Stickman
Sun Mar 04, 2012 8:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Beginning Investor - Retirement to Emergency Fund
Replies: 8
Views: 552

Re: Are there skilled individual investors?

Once again, beautifully said Nisiprius!
by Stickman
Wed Feb 08, 2012 1:18 pm
 
Forum: Investing - Theory, News & General
Topic: Are there skilled individual investors?
Replies: 155
Views: 11060

Re: What's the Use of Wond'rin'?

Thanks Nisiprius!

I'm a big fan of musicals (!!) and now you've got me looking forward to Bogleheads On Stage! Coming soon?

I also learned a new word: Heteroskedasticity!
by Stickman
Sun Feb 05, 2012 12:41 am
 
Forum: Investing - Theory, News & General
Topic: What's the Use of Wond'rin'?
Replies: 7
Views: 954

Re: Started Reading "The Little Book"

LittleTom, Welcome aboard. You are reading one of my favorite books! Regarding your second question, keep educating yourself. No, you don't need to become an "expert" or learn it all it once, but there is a prevailing sense of common sense investing that you'll pick up if you follow this f...
by Stickman
Sun Feb 05, 2012 12:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Started Reading "The Little Book"
Replies: 17
Views: 1332

Re: quick question on tax loss harvest

Welcome to the forum!
Yes, you do.
by Stickman
Sun Jan 29, 2012 7:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: quick question on tax loss harvest
Replies: 4
Views: 240

Re: Assessing Risk with M* X-Ray

Bravo Nisiprius! This is a clever and simple graphic for a vitally important concept.
You have a wonderful knack for explaining!
I hope that I get to meet you someday.
by Stickman
Fri Jan 27, 2012 12:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Assessing Risk with M* X-Ray
Replies: 6
Views: 311

Re: "John C. Bogle, The $24 Billion Man"

That's a very nice article Allan. Thank you.
But you are too conservative. Character matters. Priceless!

And thank you Taylor for bringing it to our attention.
by Stickman
Tue Jan 24, 2012 7:33 pm
 
Forum: Investing - Theory, News & General
Topic: "John C. Bogle, The $24 Billion Man"
Replies: 9
Views: 2138

Re: Quartz Kitchen Countertops

We have both. The composite quartz countertop has an undermount sink and it is bulletproof, easy, attractive, and hides dirt very well. Then we have an island with a beautiful piece of granite that is a conversation piece (because it looks like ancient maps). We love these. That said, I will fess up...
by Stickman
Mon Jan 16, 2012 7:21 pm
 
Forum: Personal Consumer Issues
Topic: Quartz Kitchen Countertops
Replies: 18
Views: 1853

Re: Anyone vacationed to Peru and hiked Machu Picchu?

Since you mention that Vietnam is on your list, I'd like to suggest you consider going there for Tet (their New Year celebration). Here is a short video that will give you the flavor of our trip this year, especially the second half which is my take-away impressions. http://vimeo.com/20126733 Bon Vo...
by Stickman
Wed Dec 14, 2011 12:26 pm
 
Forum: Personal Consumer Issues
Topic: Anyone vacationed to Peru and hiked Machu Picchu?
Replies: 28
Views: 2524

Re: Fidelity vs. Vanguard for Taxable account?

There is a lot to be said for simplicity. I'm enjoying being consolidated at a single company. For me the choice was Fidelity, because they simplify my recordkeeping for my taxable account (specific share identification method to minimize tax on sales). I only recommend the Spartan family of funds f...
by Stickman
Tue Dec 13, 2011 1:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs. Vanguard for Taxable account?
Replies: 6
Views: 945

Re: BOGLEHEADS-10 REUNION REPORT

Thank you Victoria (!) plus any others that were involved in putting this together. The work involved in putting this together is very apparent. Thank you! It is highly appreciated. I'm sure there are many, like me, that could not attend this year. Finding this posting was an unexpected bonus!!! It ...
by Stickman
Tue Nov 08, 2011 6:34 pm
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEADS-10 REUNION REPORT
Replies: 20
Views: 1778

Re: Streaming music from laptop to stereo

It's called a "3.5 mm plug to RCA Y-adapter", which can be found for as little as $2 if you know where to look. Headphone out --> RCA input. Red is the right channel, white is left. I use this all the time -- even for IPOD to stereo. The laptop will create more hum than an IPOD but I agre...
by Stickman
Sun Nov 06, 2011 6:38 pm
 
Forum: Personal Consumer Issues
Topic: Streaming music from laptop to stereo
Replies: 17
Views: 1369

Congratulations Mike! Keep up the great work!
by Stickman
Tue Oct 04, 2011 12:13 am
 
Forum: Investing - Theory, News & General
Topic: Why Use Index Funds?
Replies: 7
Views: 1229

Thank you Taylor. And, GO ANDREW! I still have the 1978 edition of his book beside me—the book is tattered and yellowed, but Andrew seems to be going strong. Here is my favorite quote of his from all these years. It is the title of a chapter:
A Penny Saved Is Two Pennies Earned
by Stickman
Fri Sep 16, 2011 11:30 am
 
Forum: Investing - Theory, News & General
Topic: "Know Just Enough to Succeed"
Replies: 8
Views: 1973

Good comments Fred and Paul. You'll find much more in the book (and videos) than what were quoted in Taylor's "gems." I do hope you'll like it. I wish to assure you that I devoted an appendix to illustrate how rebalancing works, identify popular alternatives besides the calendar-based stra...
by Stickman
Thu Sep 15, 2011 9:44 am
 
Forum: Investing - Theory, News & General
Topic: "Common Sense Investing" -- A gem
Replies: 9
Views: 2889

Adding the subtitle you get: Common Sense Investing: Ten Simple Rules to Finance Your Dreams by Rick Van Ness (aka “Stickman”) Most of you will recognize these as the core principles that we generally recognize as the Boglehead investment philosophy. This book, like the video series, introduce these...
by Stickman
Wed Sep 14, 2011 10:12 am
 
Forum: Investing - Theory, News & General
Topic: "Common Sense Investing" -- A gem
Replies: 9
Views: 2889

Whatyear, it seems like you understand correctly. An example might be company stock in the taxable account from an employee stock purchase program. For that case, one might consider buying the fund in their 401k that is most diversified with lowest cost (best approximation of an index fund). When yo...
by Stickman
Thu Sep 08, 2011 12:15 pm
 
Forum: Investing - Theory, News & General
Topic: asset allocation v. tax efficieny?
Replies: 17
Views: 1462

They key thing is to understand the concepts. Here is a good summary of locating assets for tax efficiency: http://www.bogleheads.org/wiki/Principles_of_Tax-Efficient_Fund_Placement The video for Rule #8: is also helpful at this link: http://www.bogleheads.org/wiki/Video:_Bogleheads%E2%84%A2_investm...
by Stickman
Tue Sep 06, 2011 12:24 pm
 
Forum: Investing - Theory, News & General
Topic: asset allocation v. tax efficieny?
Replies: 17
Views: 1462
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