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Re: Thinking of becoming a personal fitness trainer

It is sales , period. It doesn't matter how good you are, you have to sell. I agree with this. I am not a good 'salesperson' per se. But I let my work sell me/my services. I would keep my clients moving at good pace. The majority of my clients were interested in training for health reasons, not to ...
by bottomfisher
Fri Nov 28, 2014 2:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Thinking of becoming a personal fitness trainer
Replies: 13
Views: 946

Re: Thinking of becoming a personal fitness trainer

Prior to my current profession (physician), I was physical therapist. I did some personal training as well. My undergraduate degree was Kinesiology and my Masters in Physical Therapy provided exceptional credentials. But I don't recommend pursuing a degree to work in this line of work. I obtained ad...
by bottomfisher
Fri Nov 28, 2014 2:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Thinking of becoming a personal fitness trainer
Replies: 13
Views: 946

Re: Attic fiberglass insulation - energy efficiency

Stop what you are doing right now and airseal the floor of the attic. Google attic airsealing, read a bunch, and avoid a painful mistake. Drywallers leave a gap between the ceiling drywall (attic floor) and the framing at the tops of walls (called top plates). Added up, this is like having 2-5 sq f...
by bottomfisher
Fri Nov 28, 2014 11:53 am
 
Forum: Personal Consumer Issues
Topic: Plywood R value attic - energy efficiency
Replies: 22
Views: 424

Re: Attic fiberglass insulation - energy efficiency

LadyGeek wrote:FYI - bottomfisher had two simultaneous threads, which I merged together. This thread is in the Personal Consumer Issues forum.


This was intentional. They are 2 different questions requesting input from others on both.
by bottomfisher
Fri Nov 28, 2014 11:42 am
 
Forum: Personal Consumer Issues
Topic: Plywood R value attic - energy efficiency
Replies: 22
Views: 424

Re: Attic fiberglass insulation - energy efficiency

I would recommend blown in fiberglass insulation for the attic. I just added an additional layer to my attic this fall. Much easier than roll insulation and it creates a seamless "blanket" of insulation in your attic. Both Home Depot and Lowes give you the machine for free if you buy 10 b...
by bottomfisher
Fri Nov 28, 2014 10:54 am
 
Forum: Personal Consumer Issues
Topic: Plywood R value attic - energy efficiency
Replies: 22
Views: 424

Re: Attic fiberglass insulation - energy efficiency

For perspective this how much area I considering - pics of attic area in link:

http://imgur.com/a/e4PIe#XGWACJM
by bottomfisher
Fri Nov 28, 2014 10:36 am
 
Forum: Personal Consumer Issues
Topic: Plywood R value attic - energy efficiency
Replies: 22
Views: 424

Attic fiberglass insulation - energy efficiency

[Thread merged, see below. --admin LadyGeek] I've been renovating our recently purchased rather large house originally built in the 80's. My recent projects have revolved around improving energy efficiency. Our electricity bills are high. I am interested in taking additional steps beyond usual advi...
by bottomfisher
Fri Nov 28, 2014 9:51 am
 
Forum: Personal Consumer Issues
Topic: Plywood R value attic - energy efficiency
Replies: 22
Views: 424

Plywood R value attic - energy efficiency

I've been renovating our recently purchased rather large house originally built in the 80's. My recent projects have revolved around improving energy efficiency. Our electricity bills are high. I am interested in taking additional steps beyond usual advice. The attic area is equally as large. QUESTI...
by bottomfisher
Fri Nov 28, 2014 9:39 am
 
Forum: Personal Consumer Issues
Topic: Plywood R value attic - energy efficiency
Replies: 22
Views: 424

Re: Tulum, Mexico

Congratulations on anniversary! Visited Tulum a long time ago - approximately 1987. Flew to Yucatan Peninsula (Merida) and drove amongst various Mayan ruins with adventurous uncle/aunt - Tulum, Chichen Itza, Coba, Uxmal. My memory was that Tulum more tourist oriented and less significant Mayan site ...
by bottomfisher
Sat Nov 15, 2014 11:12 pm
 
Forum: Personal Consumer Issues
Topic: Tulum, Mexico
Replies: 11
Views: 1644

Re: Bogleheads not found easily in Google

I'm also of the opinion Google results are personalized. I frequently Google various investment/finance associated terms and topics. Bogleheads threads are always at the top of these Google searches. At first I attributed this to Google engineers being Bogleheads... then I realized they may not nece...
by bottomfisher
Fri Nov 14, 2014 10:00 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads not found easily in Google
Replies: 30
Views: 2993

Re: Merc or BMW?

I can vouch for Mercedes quality. Purchased used 2006 C class Mercedes in 2009/10'ish. Drive a bit less than 10,000 mi/yr. Only major issue (part in transmission) was covered under extended warranty then. Warranty now expired, but essentially minimal issues outside of routine wear. Plan to keep unti...
by bottomfisher
Sat Nov 08, 2014 10:21 pm
 
Forum: Personal Consumer Issues
Topic: Merc or BMW?
Replies: 60
Views: 6718

Re: What do you set your thermostat to (in F)?

Our home has 4 separate units. Main two - one for bedrooms, one for living area (usually not on at same time) set 72 (73/74 if its only me) when occupied. Raise to 76 when unoccupied. Upstairs unit only used for now in exercise room and guest bedroom set at 82 when unoccupied and as above 72 in use....
by bottomfisher
Tue Nov 04, 2014 10:36 pm
 
Forum: Personal Consumer Issues
Topic: What do you set your thermostat to (in F)?
Replies: 81
Views: 4473

Re: VGPMX: anyone contrarian enough to buy it?

It would be a lot more fun to have a fund that invests in all parts of the precious metals world, mining, jewelry retail/collectible coins, and and some of the metals too. The investment strategy is broadly stated in the prospectus. These options are possibilities according to their stated strategy...
by bottomfisher
Sun Nov 02, 2014 9:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: VGPMX: anyone contrarian enough to buy it?
Replies: 79
Views: 10115

Re: Vanguard Precious Metals and Mining Fund

As a one-time only minimal required to hold fund investment how much will it impact your portfolio in a best or worst case scenario? If it would be small or trivial portion, then what's the point of holding it? It seems like it would be clutter in your simple balanced LifeStrategy approach to invest...
by bottomfisher
Sat Nov 01, 2014 9:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Precious Metals and Mining Fund
Replies: 47
Views: 3451

Re: Shiller PE10 - by the numbers

The monthly Shiller PE10 ratio is now at 26.43, a level that has been exceeded 101 times out of the 1607 months in the PE10 database, or 6.28% of the time FYI Figure 5, page 13 graphs starting Shiller p/e10 (and p/e1) and subsequent annualized real return. The line of best fit for p/e10 at 26 corre...
by bottomfisher
Sat Nov 01, 2014 12:32 pm
 
Forum: Investing - Theory, News & General
Topic: Shiller PE10 - by the numbers
Replies: 26
Views: 2750

Re: Coffee House - REIT or Commodity

I vote REIT. Commodities don't generate income. They don't earn interest or pay dividends. Whereas REIT's are equity like with steady dividends.
by bottomfisher
Thu Oct 30, 2014 9:02 pm
 
Forum: Investing - Theory, News & General
Topic: Coffee House - REIT or Commodity
Replies: 9
Views: 1131

Re: VGPMX: anyone contrarian enough to buy it?

Interesting - I was curious about VGPMX's value metrics. Vg quotes p/e as (negative) -126.7x as of 09/30/14. While M* quotes p/e 21.0x (this is prospective earnings, so not quite comparing apples to apples) as 06/30/14. Either way the corporate earnings held in this fund are distressed for the time...
by bottomfisher
Mon Oct 27, 2014 10:45 am
 
Forum: Investing - Help with Personal Investments
Topic: VGPMX: anyone contrarian enough to buy it?
Replies: 79
Views: 10115

Re: Resident- Disability Insurance

This is neither a recommendation for or against disability insurance for a resident. But I did not purchase it as a resident. This is an actuarial question I cannot answer - how many residents apply for claims in their disability policy? My experience - none that I am aware of and likely very few al...
by bottomfisher
Sun Oct 26, 2014 10:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Resident- Disability Insurance
Replies: 8
Views: 1028

Re: Vanguard High Yield Fund for Roth IRA

Many on this forum don't recommend high yield bond funds. This is partially due to concern for credit risk. The prevailing thought is to take risk in your equity exposure; not your bond exposure. I agree with this thought process. However, risk tolerance is different for each investor. With that sai...
by bottomfisher
Sun Oct 26, 2014 9:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard High Yield Fund for Roth IRA
Replies: 9
Views: 1106

Re: VGPMX: anyone contrarian enough to buy it?

Interesting - I was curious about VGPMX's value metrics. Vg quotes p/e as (negative) -126.7x as of 09/30/14. While M* quotes p/e 21.0x (this is prospective earnings, so not quite comparing apples to apples) as 06/30/14. Either way the corporate earnings held in this fund are distressed for the time ...
by bottomfisher
Sun Oct 26, 2014 8:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: VGPMX: anyone contrarian enough to buy it?
Replies: 79
Views: 10115

Re: VGPMX: anyone contrarian enough to buy it?

Speculative reply - A graph of VGPMX performance reveals it moves in tandem with Caterpillar, the large mining equipment manufacturer. Caterpillar crushed 3rd quarter earnings at $1.72 EPS versus estimates of $1.36 and raised its full year outlook. This may represent a turnaround for the industry. O...
by bottomfisher
Sun Oct 26, 2014 8:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: VGPMX: anyone contrarian enough to buy it?
Replies: 79
Views: 10115

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 1:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard REIT Index and P/E
Replies: 4
Views: 656

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 3:10 pm
 
Forum: Investing - Theory, News & General
Topic: Sector Funds
Replies: 9
Views: 644

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 7:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you deviate from the BH philosophy?
Replies: 64
Views: 4202

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 1:57 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads, help me be less afraid of international stocks
Replies: 53
Views: 3898

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 1:38 pm
 
Forum: Investing - Theory, News & General
Topic: When should someone "not stay the course"?
Replies: 43
Views: 2596

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 9:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: High yield muni bonds
Replies: 16
Views: 1167

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 9:26 pm
 
Forum: Personal Consumer Issues
Topic: Treadmills [vs. Ellipticals]
Replies: 55
Views: 3997

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 12:45 pm
 
Forum: Personal Consumer Issues
Topic: Flooring for home gym
Replies: 19
Views: 1352

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 2:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who or what inspired you and your investing approach?
Replies: 93
Views: 4734

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 9:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: vnqi foriegn reit
Replies: 2
Views: 332

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 8:53 pm
 
Forum: Investing - Theory, News & General
Topic: A Look at Current P/E Ratios
Replies: 54
Views: 7292

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 11:51 am
 
Forum: Investing - Theory, News & General
Topic: If chasing market performance is bad...
Replies: 85
Views: 5068

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 9:10 am
 
Forum: Personal Finance (Not Investing)
Topic: having trouble getting homeowners insurance
Replies: 17
Views: 1169

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 11:36 am
 
Forum: Investing - Theory, News & General
Topic: Jeremy Grantham - should you listen to him?
Replies: 15
Views: 1438

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 10:30 am
 
Forum: Investing - Theory, News & General
Topic: New Lazy Portfolio: "Trinity Portfolio"
Replies: 28
Views: 2189

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 10:31 pm
 
Forum: Investing - Theory, News & General
Topic: GMO's 7 year predictions
Replies: 6
Views: 1273

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 2:51 pm
 
Forum: Personal Consumer Issues
Topic: Vacationing in Seaside Florida?
Replies: 13
Views: 1432

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 12:48 pm
 
Forum: Forum Issues and Administration
Topic: Who are the Bogleheads.org heavyweights?
Replies: 127
Views: 9742

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 7:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: applying for disability without attorney assistance
Replies: 8
Views: 772

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 9:17 pm
 
Forum: Personal Consumer Issues
Topic: wood deck stain?
Replies: 26
Views: 3725

Re: How Many Funds Do You Have in Taxable?

1 - Vg Tax Managed Balanced fund
by bottomfisher
Sat Mar 08, 2014 12:54 am
 
Forum: Investing - Theory, News & General
Topic: How Many Funds Do You Have in Taxable?
Replies: 97
Views: 5592

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 4:43 am
 
Forum: Personal Consumer Issues
Topic: Cord Blood? [Donating newborn cord blood to charity]
Replies: 16
Views: 1738

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 2:27 pm
 
Forum: Investing - Theory, News & General
Topic: Active vs Passive Management REITs M* article
Replies: 1
Views: 447

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 2:48 pm
 
Forum: Personal Consumer Issues
Topic: What's your dream car?
Replies: 185
Views: 11460

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 10:20 am
 
Forum: Investing - Theory, News & General
Topic: Indexing doesn't get you market returns
Replies: 16
Views: 2920

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 12:42 pm
 
Forum: Personal Consumer Issues
Topic: New Cement Porch Steps - A Problem?
Replies: 23
Views: 1683

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 10:24 am
 
Forum: Investing - Theory, News & General
Topic: Who Invests 100% in Passive Index Funds/ETFs
Replies: 79
Views: 6008

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 8:05 pm
 
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST
Replies: 536
Views: 14302

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 1:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: anyone have historical yield info on domestic reits?
Replies: 6
Views: 249
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