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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: 304

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: 6348

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: 4747

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: 1111

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: 1362

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: 2135

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: 1211

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: 1353

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: 8897

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: 739

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: 3559

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: 5464

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: 1667

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: 425

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: 10907

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: 2911

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: 1306

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: 5794

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: 525
Views: 12236

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: 222

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: 6092

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: 6092

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: 7484

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: 7484

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: 4287

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: 10296

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: 933

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: 7596

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: 7258

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: 12607

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: 2119

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: 3322

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: 1389

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: 7882

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: 1071

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: 4213

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: 3899

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: 4460

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: 795

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: 3899

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: 1198

Re: What percentage of your income are you saving?

Turned 40 yesterday - saving a lowly about 8%'ish. Personal goal is 10%. But in high tax bracket, just moved to new old house (req'd additional monies down payment), many student loans, twins on way and 2 other major expenses in recent years. No intention to retire early; so current balance and savi...
by bottomfisher
Thu Dec 12, 2013 2:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: What percentage of your income are you saving?
Replies: 208
Views: 12471

Re: How long do you keep your cars? Why do you replace it?

Last car was a Mini Cooper. Once warranty ran out it was expensive to repair increasing frequent problems after about 6 years. And very inconvenient since only dealer located 1 hr away could obtain parts to repair. Current car purchased 2006 used Mercedes. It has been fairly reliable. I keep it in g...
by bottomfisher
Thu Dec 12, 2013 11:21 am
 
Forum: Personal Consumer Issues
Topic: How long do you keep your cars? Why do you replace it?
Replies: 72
Views: 5098

Re: Direct TV?

We previously subscribed to Direct TV but switched to cable a few years back. I believe standard cable was cheaper after the teaser rate expired and that was the main impetus for the switch. I can't recall the actual difference. I didn't care for all the many channels. Like you I tended to only watc...
by bottomfisher
Thu Dec 12, 2013 11:10 am
 
Forum: Personal Consumer Issues
Topic: Direct TV?
Replies: 42
Views: 3852

Re: Buying Wall-to-Wall Carpet: What Do I Need to Know?

We just used Home Depot for carpet + installation. I'm very pleased with the price paid and installation. They used a small local sub-contractor for installation. Only minor complaint is that the signs in Home Depot suggest that carpet can be installed within 1 week of purchase. The caveat is that i...
by bottomfisher
Tue Nov 26, 2013 12:40 am
 
Forum: Personal Consumer Issues
Topic: Buying Wall-to-Wall Carpet: What Do I Need to Know?
Replies: 28
Views: 2613

Re: Financial failures

Wish I would have been more prudent with taking out student loans
by bottomfisher
Mon Nov 11, 2013 6:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financial failures
Replies: 55
Views: 3315

Re: Making an offer on a house

I would not waive the contigency clause either. Its standard in our area too. It protects you and gives the seller a better idea of the potential buyer's financial situation in considering multiple offers. As long as you are putting down 20%, I don't see any other ratio (70/30, 50/50) really affecti...
by bottomfisher
Mon Nov 11, 2013 6:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Making an offer on a house
Replies: 16
Views: 1038

Re: How many funds do you have in your portfolio?

457b - BlackRock EAFE Index
Roth IRA - Vg Emerging Mkts Index
SIMPLE IRA - Vg Total Stock Mkt Index, Vg Total Intl Stock Mkt, Vg Global REIT Index
by bottomfisher
Mon Nov 11, 2013 12:22 am
 
Forum: Investing - Theory, News & General
Topic: How many funds do you have in your portfolio?
Replies: 96
Views: 6212

Re: Mini Cooper or Fiat 500?

I purchased a Mini Cooper new when they first came out. I was satisfied initially but that changed after a few years of driving. The biggest issue is that the dealer was 1 hour away and local repair shops were unable to get parts to repair the car. First few years limited repairs were required and w...
by bottomfisher
Thu Oct 31, 2013 11:09 am
 
Forum: Personal Consumer Issues
Topic: Mini Cooper or Fiat 500?
Replies: 49
Views: 4265

Re: Elope to Save Money?

My wife and I got married in mid 30's yrs old. Both with established careers, so didn't expect parents to pay for wedding. We considered a destination wedding to save money. We just couldn't see spending $40-$50,000 on a single day event. But wife was very concerned her family would be disappointed ...
by bottomfisher
Thu Oct 31, 2013 10:09 am
 
Forum: Personal Consumer Issues
Topic: Elope to Save Money?
Replies: 79
Views: 5457
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