Search found 333 matches

Return to advanced search

Re: Vanguard REIT Index and P/E

P/e is not an appropriate valuation metric for REIT's. My understanding is that there are other better valuation metrics - FFO funds from operations or AFFO adjusted funds from operations.
by bottomfisher
Wed Oct 15, 2014 2:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard REIT Index and P/E
Replies: 4
Views: 640

Re: Sector Funds

Rick Ferri's thoughts based on Barron's article: Want Lower Returns? Try Timing Industry Sectors

http://www.rickferri.com/blog/investmen ... y-sectors/
by bottomfisher
Sun Oct 05, 2014 4:10 pm
 
Forum: Investing - Theory, News & General
Topic: Sector Funds
Replies: 9
Views: 552

Re: Do you deviate from the BH philosophy?

I have no set US/international equity allocation percentage. My rationale is that the ideal US/international allocation will not be apparent until after the fact. Since historical returns for US and international are quite similar, I don't mind if US/international allocation deviates around a rather...
by bottomfisher
Wed Oct 01, 2014 8:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you deviate from the BH philosophy?
Replies: 64
Views: 3828

Re: Bogleheads, help me be less afraid of international stoc

Bogleheads- help convince my worried mind (which logically knows not to try predict the future and that diversification is the only free lunch) about owning TISM when it has such a huge stake (45% combined) in the Eurozone and Japan. “Be Fearful When Others Are Greedy and Greedy When Others Are Fea...
by bottomfisher
Tue Sep 30, 2014 2:57 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads, help me be less afraid of international stocks
Replies: 53
Views: 3708

Re: When should someone "not stay the course"?

Given that 10 years is a long time in the investing realm relative to our lifespans, does it ever make sense to "abandon" a fund and look for better opportunities elsewhere? According to Morningstar, VGTSX 10 year annualized returned is 6.88%. I consider that decent. I recommend staying t...
by bottomfisher
Tue Sep 30, 2014 2:38 pm
 
Forum: Investing - Theory, News & General
Topic: When should someone "not stay the course"?
Replies: 43
Views: 2560

Re: High yield muni bonds

Caution some high yield municipal bond funds will expose you to paying alternative minimum tax depending on the fund's bond holdings and your tax situation.
by bottomfisher
Mon Sep 29, 2014 10:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: High yield muni bonds
Replies: 16
Views: 1112

Re: Treadmills

Have 2008 version Precor 9.27. It's durable, reliable, simple/straightforward use. Would buy it again. But so far seems like its going to last forever.
by bottomfisher
Thu Sep 25, 2014 10:26 pm
 
Forum: Personal Consumer Issues
Topic: Treadmills [vs. Ellipticals]
Replies: 54
Views: 3487

Re: Flooring for home gym

I purchased 12in interlocking black foam tiles from Sports Authority to protect wood floor underneath for weights and treadmill. Has been very durable. Also 12 in interlocking tile provides flexibility with different size spaces. I was at Home Depot and recently noticed they are also carrying a vari...
by bottomfisher
Sun Aug 10, 2014 1:45 pm
 
Forum: Personal Consumer Issues
Topic: Flooring for home gym
Replies: 19
Views: 1329

Re: Who or what inspired you and your investing approach?

A Random Walk Down Wall Street + Bogle Common Sense on Mutual Funds
by bottomfisher
Wed Aug 06, 2014 3:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who or what inspired you and your investing approach?
Replies: 93
Views: 4640

Re: vnqi foriegn reit

I'm also of the understanding that valuation metrics typically used for equities don't correlate to REIT's. However, if you are a believer in reversion to the mean, then Vg Global ex-US REIT has underperformed Vg TSM and TISM for the past 1 - 2 years and may indeed be an attractive investment relati...
by bottomfisher
Wed Jul 23, 2014 10:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: vnqi foriegn reit
Replies: 2
Views: 320

Re: A Look at Current P/E Ratios

^ Both Vg and M* p/e data reported for VBR is from 04/30/14. However, Vg calculates p/e based on trailing 12 months. While M* calculates p/e "forward-looking based on historical data." This likely explains the discrepancy,
by bottomfisher
Fri Jun 13, 2014 9:53 pm
 
Forum: Investing - Theory, News & General
Topic: A Look at Current P/E Ratios
Replies: 54
Views: 7026

Re: If chasing market performance is bad...

letsgobobby wrote:Buying when things are out of favor, disparaged, and disliked - doesn't that expectantly lead to outperformance?
This seems to me to be the definition characteristics of value stocks which have shown to outperform over time.
by bottomfisher
Thu Jun 12, 2014 12:51 pm
 
Forum: Investing - Theory, News & General
Topic: If chasing market performance is bad...
Replies: 85
Views: 4968

Re: having trouble getting homeowners insurance

This was a problem in Louisiana following hurricanes Katrina and Rita. Many homeowner's lost existing coverage and were unable to find new insurance. Our state has a government backed insurance product "of last resort" called Citizens. It is sold at a 10% premium to other private policies ...
by bottomfisher
Tue Jun 10, 2014 10:10 am
 
Forum: Personal Finance (Not Investing)
Topic: having trouble getting homeowners insurance
Replies: 17
Views: 1151

Re: Jeremy Grantham - should you listen to him?

I came across this website recently that provides a study into the accuracy of market guru predictions: http://www.cxoadvisory.com/gurus/ To investigate, during 2005 through 2012 we collected 6,582 forecasts for the U.S. stock market offered publicly by 68 experts, bulls and bears employing technica...
by bottomfisher
Mon Jun 09, 2014 12:36 pm
 
Forum: Investing - Theory, News & General
Topic: Jeremy Grantham - should you listen to him?
Replies: 15
Views: 1425

Re: New Lazy Portfolio: "Trinity Portfolio"

What is the purpose of 20% of bond allocation in cash? I understand cash for emergency fund, which I personally don't consider part of my investment portfolio or asset allocation. Or some may use cash for opportunistic buying on market downturns. But to hava static allocation of cash in an investmen...
by bottomfisher
Mon Jun 09, 2014 11:30 am
 
Forum: Investing - Theory, News & General
Topic: New Lazy Portfolio: "Trinity Portfolio"
Replies: 28
Views: 2175

Re: GMO's 7 year predictions

I feel many would agree that GMO is a respected firm. But I'll take the role of devil's advocate here. This link provides a study into the accuracy of market guru predictions: http://www.cxoadvisory.com/gurus/ To investigate, during 2005 through 2012 we collected 6,582 forecasts for the U.S. stock m...
by bottomfisher
Sat Jun 07, 2014 11:31 pm
 
Forum: Investing - Theory, News & General
Topic: GMO's 7 year predictions
Replies: 6
Views: 1241

Re: Vacationing in Seaside Florida?

Seaside was somewhat of an experimental development in its infancy. Its design was laid out by architects interested in developing the area with a sense of place and on a pedestrian scale. Its uniqueness has made it small scale attraction. If you enjoy architecture, design and urban planning issues,...
by bottomfisher
Fri May 30, 2014 3:51 pm
 
Forum: Personal Consumer Issues
Topic: Vacationing in Seaside Florida?
Replies: 13
Views: 1405

Re: Who are the BogleHeads.org heavyweights?

schuyler74 wrote:Perhaps up-and-comers with not many posts yet.
IMHO less frequent, but very knowledgeable and well articulated contributors: ObliviousInvestor, garlandwhizzer, stlutz
by bottomfisher
Fri May 30, 2014 1:48 pm
 
Forum: Forum Issues and Administration
Topic: Who are the Bogleheads.org heavyweights?
Replies: 127
Views: 9659

Re: applying for disability without attorney assistance

It's actually better to file on your own first, then get an attorney for the appeal, if there is one. Getting an attorney at the start is just a waste of 25% of that lump sum payment in a slam dunk case. I assume your father has his own doctor to make a report. Don't rely on the SSA doctor - he's o...
by bottomfisher
Sun May 04, 2014 8:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: applying for disability without attorney assistance
Replies: 8
Views: 766

Re: wood deck stain?

Another vote for Cabot Australian Timber Oil available at Lowe's. I prefer the 'natural' shade. Its dries with a hint of orange tint. Jarrah Brown is a darker stain that I've also used with good results on a different project if you prefer the darker appearance. I also recommend pressure washing fir...
by bottomfisher
Wed Apr 23, 2014 10:17 pm
 
Forum: Personal Consumer Issues
Topic: wood deck stain?
Replies: 26
Views: 3712

Re: How Many Funds Do You Have in Taxable?

1 - Vg Tax Managed Balanced fund
by bottomfisher
Sat Mar 08, 2014 1:54 am
 
Forum: Investing - Theory, News & General
Topic: How Many Funds Do You Have in Taxable?
Replies: 97
Views: 5515

Re: Cord Blood?

My wife and I are expecting our first child in a couple months. We were planning on donating the cord blood, but our hospital does not accept cord blood donations.....we either have to pay to bank it or it is discarded. It's roughly $500 to bank it. So far, this is the extent of my research. Before...
by bottomfisher
Sat Feb 08, 2014 5:43 am
 
Forum: Personal Consumer Issues
Topic: Cord Blood? [Donating newborn cord blood to charity]
Replies: 16
Views: 1717

Active vs Passive Management REITs M* article

Preaching to the choir here... but here's a M* article comparing active vs. passive management in REIT's. http://news.morningstar.com/articlenet/article.aspx?id=632253 ...However, in smaller niches of the market, such as real estate, there is less of a consensus on the active versus passive debate. ...
by bottomfisher
Thu Jan 30, 2014 3:27 pm
 
Forum: Investing - Theory, News & General
Topic: Active vs Passive Management REITs M* article
Replies: 1
Views: 443

Re: What's your dream car?

Ford GT

Probably violates the imprompt 3x rule, but its no longer in production. So we'll just leave it at a dream car
by bottomfisher
Tue Jan 21, 2014 3:48 pm
 
Forum: Personal Consumer Issues
Topic: What's your dream car?
Replies: 185
Views: 11399

Re: Indexing doesn't get you market returns

The rankings list seems to be informative to provide relative performance between similar Vanguard and DFA funds. But the performance in each fund category would presumably have a bell curve type distribution. Under the bell the relative outperformance by DFA vs Vanguard may not equate to enough out...
by bottomfisher
Sat Jan 18, 2014 11:20 am
 
Forum: Investing - Theory, News & General
Topic: Indexing doesn't get you market returns
Replies: 16
Views: 2915

Re: New Cement Porch Steps - A Problem?

Fallible wrote:What search words did you use to google just for height standards? Thanks.


Try - building code + step height + (your city/county)
by bottomfisher
Thu Jan 16, 2014 1:42 pm
 
Forum: Personal Consumer Issues
Topic: New Cement Porch Steps - A Problem?
Replies: 23
Views: 1592

Re: Who Invests 100% in Passive Index Funds/ETFs

I spent the latter half of last year simplifying portfolio holdings. Was briefly down to 100% passive in Simple IRA, Roth IRA, 457 accounts. Recently reopened non-tax deferred account in Vg Tax Managed Balanced. Not truly passive but in essence the stock component is - "The stock component’s un...
by bottomfisher
Thu Jan 16, 2014 11:24 am
 
Forum: Investing - Theory, News & General
Topic: Who Invests 100% in Passive Index Funds/ETFs
Replies: 79
Views: 5971

Re: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST

Today's close x average annual return = 2055.58. Haven't read through all the guesses... sorry if its a duplicate
by bottomfisher
Thu Jan 09, 2014 9:05 pm
 
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST
Replies: 536
Views: 14086

Re: anyone have historical yield info on domestic reits?

zotty wrote:FYI: Found *something*.

http://www.vectorgrader.com/indicators/ ... dend-yield


Thanks for sharing the graph. Interesting how low the current yields have become compared to historical REIT yields. What is the lower graph of? And what is the y-axis a measure of?
by bottomfisher
Thu Jan 09, 2014 2:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: anyone have historical yield info on domestic reits?
Replies: 6
Views: 246

Re: Poll: $ monthly contribution to 529/college savings

Congrats! We have 2yr old twin girls - they are a lot of work, but are an absolute joy (nearly all the time :happy ). We opened 529s for them as soon as we had their SSNs. At the time we were living in VA which allowed a deduction of $4,000 per account, so that's what we started with in each one. W...
by bottomfisher
Wed Jan 08, 2014 3:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: $ monthly contribution to 529/college savings
Replies: 60
Views: 6405

Re: Poll: $ monthly contribution to 529/college savings

Update - twins were born December 31st. No social security numbers yet. But plan to get started as soon as they arrive. Our state 529 utilizes Vanguard to manage program. So obviously very pleased. Twins here too. Retirement vs college was not really an issue for us, we were well on the way when the...
by bottomfisher
Wed Jan 08, 2014 3:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: $ monthly contribution to 529/college savings
Replies: 60
Views: 6405

Re: Do you invest in a taxable account?

Had taxable account that was actively contributing to. Used to save for down payment in case found new home. If not was to be utilized for retirement (long way away) or emergency-emergency fund. Balance was invested in TSM since no time frame for use of funds. Did not consider it part of asset allo...
by bottomfisher
Wed Jan 08, 2014 1:25 pm
 
Forum: Investing - Theory, News & General
Topic: Do you invest in a taxable account?
Replies: 111
Views: 7594

Re: Do you invest in a taxable account?

Had taxable account that was actively contributing to. Used to save for down payment in case found new home. If not was to be utilized for retirement (long way away) or emergency-emergency fund. Balance was invested in TSM since no time frame for use of funds. Did not consider it part of asset alloc...
by bottomfisher
Wed Jan 08, 2014 12:41 pm
 
Forum: Investing - Theory, News & General
Topic: Do you invest in a taxable account?
Replies: 111
Views: 7594

Re: What does a Bogle TV look like?

Living room is recently purchased 70 in Vizio. Interestingly, it was my wife that wanted the large screen TV. I'm content with much smaller. Those have been relegated to the guest bedrooms. But I'm surprised not more have mentioned Vizio brand. We didn't do a lot of research, but seems like good qua...
by bottomfisher
Thu Jan 02, 2014 11:18 pm
 
Forum: Personal Consumer Issues
Topic: What does a Bogle TV look like?
Replies: 78
Views: 4564

Re: Investing (not speculating) in Bitcoin

ourbrooks makes an interesting point about the free EC2 tier. Not sure if that exact setup is currently profitable, but I'm wondering if there are free cloud computing resources you could use to mine. If it's not explicitly forbidden per TOS, it certainly seems more ethical than using a library com...
by bottomfisher
Wed Dec 25, 2013 10:15 pm
 
Forum: Investing - Theory, News & General
Topic: Investing (not speculating) in Bitcoin
Replies: 119
Views: 11147

Re: Electronic Federal Tax Payment System (ETFPS)

I've been using the .gov site
by bottomfisher
Wed Dec 25, 2013 8:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Electronic Federal Tax Payment System (ETFPS)
Replies: 11
Views: 960

Re: What Was Your Best Portfolio move in 2013

Simplifying. Not quite 3 fund portfolio due to personal account, 457, Roth IRA and SIMPLE IRA. But well on way. Cashed out personal account gains for house down payment that we recently moved into. 457 and Roth hold only 1 fund. No rebalancing opportunity, but simplicity overshadows this drawback fo...
by bottomfisher
Wed Dec 25, 2013 5:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: What Was Your Best Portfolio move in 2013
Replies: 125
Views: 7731

Re: How many folks have a dog?

We have many dogs around the house at any given time. We have 3 of our own and any number of rescues and/or dog sitting for family/friends at any given time. My wife has a local rescue agency that calls and asks her to care for certain dogs that may not do well at their shelter - usually because the...
by bottomfisher
Wed Dec 25, 2013 4:25 pm
 
Forum: Personal Consumer Issues
Topic: How many folks have a dog?
Replies: 112
Views: 7813

Re: Which Med school?

I'm still voting for the state school; especially since the scholarship has been thrown into the mix now. I don't know the reputation of UW Madison; but I feel the potential of most medical schools is what the prospective student puts into their education and training. Motivated, responsible medical...
by bottomfisher
Wed Dec 25, 2013 12:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Which Med school?
Replies: 152
Views: 13155

Re: Tips for a One-Way U-Haul Move

I'm planning to load selected items from my Mom's house (she passed away recently) and load it all up into a one-way U-Haul. I reserved a truck through U-Haul recently and was subsequently called and informed that no trucks whatsoever were available from the location. They arranged a truck pick up ...
by bottomfisher
Sun Dec 22, 2013 7:27 pm
 
Forum: Personal Consumer Issues
Topic: Tips for a One-Way U-Haul Move
Replies: 39
Views: 2311

Re: New Year's Eve

EternalOptimist wrote:What are you doing on New Year's Eve? Are you going out to someplace special or just treating it like any other day? :beer


Wife expecting twins just before new year. They're our first. I'll be learning how to swaddle babies and change diapers
by bottomfisher
Fri Dec 20, 2013 2:55 pm
 
Forum: Personal Consumer Issues
Topic: New Year's Eve
Replies: 67
Views: 3347

Re: Crystal ball time...EM in 2014?

I've read various financial news reports that suggest that the pending federal stimulus taper would negatively impact emerging markets stocks. I believe due to higher costs of borrowing affecting growth of these economies. I have a small allocation to Vg Emerging Markets Index in old Roth. Its a buy...
by bottomfisher
Fri Dec 20, 2013 11:44 am
 
Forum: Investing - Theory, News & General
Topic: Crystal ball time...EM in 2014?
Replies: 20
Views: 1392

Re: Small caps overvalued?

Historically small caps generally have higher PEs, somewhere near 20% higher, than large caps due to SC's expected long term higher earnings growth rates but not nearly to this extent. Also historically there are long periods of time, usually greater than a decade when SCs markedly outperform LCs, ...
by bottomfisher
Thu Dec 19, 2013 2:12 pm
 
Forum: Investing - Theory, News & General
Topic: Small caps overvalued?
Replies: 55
Views: 8083

Re: Your Old Active Lifestyle

My first mutual fund was Alger Capital Appreciation fund. I began investing in it while I was in college in the mid 1990's. I learned of the fund because it was listed in either a Money or Kiplinger's magazine as the prior year's top performing mutual. At the time that seemed like reasonable justifi...
by bottomfisher
Wed Dec 18, 2013 12:38 am
 
Forum: Investing - Theory, News & General
Topic: Your Old Active Lifestyle
Replies: 8
Views: 1076

Re: Mega Millions jackpot to $636 million

Are you playing in this lottery? Whether or not you are, I'd like to hear your rationale. :D Most weeks - no. But for high jackpots like this one - yes. Odds of winning are obviously remote. But there's a certain entertainment value in spending few bucks on lottery tickets every now and then and di...
by bottomfisher
Tue Dec 17, 2013 3:16 pm
 
Forum: Personal Consumer Issues
Topic: Mega Millions jackpot to $636 million
Replies: 82
Views: 4283

Re: Your Favorite Funds that You Don't Own

All of our investments are at Vanguard. The funds I might use, if I couldn't use Vanguard or other index funds, are: Dodge & Cox Stock (DODGX) Dodge & Cox International Stock (DODFX) PIMCO Total Return (PTTRX) If I might ask, why DODGX? My 401k has both that and institutional VG index and c...
by bottomfisher
Tue Dec 17, 2013 12:00 am
 
Forum: Investing - Theory, News & General
Topic: Your Favorite Funds that You Don't Own
Replies: 36
Views: 3931

Re: $20MM in Vangaurd MF - How to Pass Down To Children?

Canogapark66 wrote:If a 90 year old man has $20,000,000 in Vangaurd Mutual Funds and wishes to pass them down to 2 children in the most tax efficient way, what are his options?


That's a lot of money. Estate planning with the assistance of an attorney specializing in successions is strongly encouraged
by bottomfisher
Mon Dec 16, 2013 8:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: $20MM in Vanguard MF - How to Pass Down To Children?
Replies: 28
Views: 4470

Re: Rental Cars. Worth the premium?

I also typically go with the best available price and have not had any issues with the various discount rental companies.
by bottomfisher
Mon Dec 16, 2013 6:29 pm
 
Forum: Personal Consumer Issues
Topic: Rental Cars. Worth the premium?
Replies: 6
Views: 803

Re: Your Favorite Funds that You Don't Own

Considering new job. If I change then benefits through Thrift Savings Plan. Most likely go with TSP Lifecycle 2040 fund for simplicity purposes. Also 0.027% ER (thats 27 cents per $1,000 invested)!
by bottomfisher
Mon Dec 16, 2013 6:08 pm
 
Forum: Investing - Theory, News & General
Topic: Your Favorite Funds that You Don't Own
Replies: 36
Views: 3931

Re: Is sales for a start-up a "blue-collar" job?

FWIW- I would consider inside sales a 'white collar' job. I would consider a 'blue collar' job one that requires manual labor or is physically demanding to a certain extent
by bottomfisher
Fri Dec 13, 2013 4:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is sales for a start-up a "blue-collar" job?
Replies: 14
Views: 1240
Next

Return to advanced search