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Re: Buy VS Rent as a factor in Asset Allocation

david,

do you somehow factor in the property equity, which presumably increases over time, and the tax benefit, which presumably is also of value?

artie
by fidelio
Sun Dec 29, 2013 5:53 am
 
Forum: Investing - Theory, News & General
Topic: Buy VS Rent as a factor in Asset Allocation
Replies: 26
Views: 1440

Re: Are you an Iphone or Android guy?

iphone but i have a kindle. not a google fan ....
by fidelio
Sun Nov 10, 2013 3:51 am
 
Forum: Personal Consumer Issues
Topic: Are you an Iphone or Android guy?
Replies: 112
Views: 6602

Re: Sci-Fi Short Story Recs

many great stories have been mentioned, but i can't believe no one has yet offered philip k. dick, who wrote dozens of great sci fi shorts. also, the granppappy of sci fi (although some would classify him as horror), h. p. lovecraft.
by fidelio
Sun Nov 10, 2013 2:49 am
 
Forum: Personal Consumer Issues
Topic: Sci-Fi Short Story Recs
Replies: 60
Views: 3140

Re: Mini Cooper or Fiat 500?

i've got a mini s and it's a great little car, fast -- but a bit of a toy. i think you have to be careful about the engines. has the bmw-sourced 3-cyl come out yet? that may be the one to go for. not too confident abt. the french engines, the chryslers were ok but that's getting vintage. anyway, a g...
by fidelio
Sun Nov 10, 2013 2:29 am
 
Forum: Personal Consumer Issues
Topic: Mini Cooper or Fiat 500?
Replies: 49
Views: 3816

Re: Recommendations for a Laptop Computer???

i guess i'm hard on computers, as i just had the hd on my 17" dell inspiron laptop replaced at 3 yrs. they were good about it even though it was out of warranty. i had two apple laptops, an ibook and macbook pro. they both fell apart, literally -- the hinges on the screens crapped out, eventual...
by fidelio
Sun Nov 10, 2013 2:23 am
 
Forum: Personal Consumer Issues
Topic: Recommendations for a Laptop Computer???
Replies: 41
Views: 3286

Re: How do you "rent" movies?

+1 netflix. using the blu-ray option is a bit of a luxury, but i have an extreme home theater rig and really enjoy the pic. and sound qual.
by fidelio
Thu Sep 05, 2013 9:53 pm
 
Forum: Personal Consumer Issues
Topic: How do you "rent" movies?
Replies: 87
Views: 5563

Re: Anyone have VG's Managed Payout funds in their INV Portf

there is some cheerful promotional language on vanguard's site on these funds, but i have found no one here who will admit to owning them. it may be worth noting that during a conversation w/ one of vanguard's own c.f.p.'s, although he did not disparage them, he steered me away from the idea. after ...
by fidelio
Thu Aug 15, 2013 5:54 am
 
Forum: Investing - Theory, News & General
Topic: Anyone have VG's Managed Payout funds in their INV Portfolio
Replies: 19
Views: 1358

Re: The Boglehead Car -- What is It?

hhmm .... i've had over 30 cars over the decades, a few new, but mostly beaters. is a beater a "boglehead" car? not really. i would say a boglehead car would be a 1980s benz diesel. there are many with several hundred thousand miles on them. i've had a few -- none ever completely died whil...
by fidelio
Tue Jun 04, 2013 9:51 pm
 
Forum: Personal Consumer Issues
Topic: The Boglehead Car -- What is It?
Replies: 150
Views: 10516

Re: Include Social Security in Asset Allocation?

well, this has been discussed many times; search for threads if interested.

fwiw, i calculated my asset allocation both counting and not counting s.s. i found identifying it as f.i. in these calculations resulted in a level of equity ownership with which i would not be comfortable in retirement.
by fidelio
Thu May 30, 2013 4:52 am
 
Forum: Investing - Theory, News & General
Topic: Include Social Security in Asset Allocation?
Replies: 25
Views: 1632

Re: Total bond or Stable Asset?

dave, fwiw i retired a year ago and have left my 401k at the employer's fidelity acct., and i have my whole f.i. allocation in a stable value fund there (not generally an option outside of 401k accts.). the numbers are like the one you posted. in my view, it's a great option. i suggest you research ...
by fidelio
Mon May 27, 2013 4:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Total bond or Stable Asset?
Replies: 10
Views: 817

Re: Liability For 19 yr Old Son Driver

+1 to overthehills submission. depends on the state, but your agent knows, or at least someone at his company. i was involved in casualty claims investigations for 32 years. i am therefore ridiculously over-insured. insurance is a sort of modern curse, but if it's not there when you need it, well ....
by fidelio
Fri May 24, 2013 11:32 pm
 
Forum: Personal Consumer Issues
Topic: Liability For 19 yr Old Son Driver
Replies: 5
Views: 679

Re: Do you pay for access to www.nytimes.com ?

it can be gotten around, but i pay, for the reasons stated by the OP. plus the wife of one of my best friends is an editor there, so it would be unseemly to poach. i've taken it at different times as paper, in l.a. it's a little pricey, but the real problem is i want to read every article, and it re...
by fidelio
Fri May 24, 2013 11:27 pm
 
Forum: Personal Consumer Issues
Topic: Do you pay for access to www.nytimes.com ?
Replies: 30
Views: 2688

Re: Does Vinegar kill weeds?

to hell w/ roundup and the horse it rode in on. horrible poison. as it's beds: pull all weeds, dig up roots; vinegar solution (not salt, unless we're talking a driveway or something never to be planted again), but some use a little soap added in, can apply w/ old school watering can if area not too ...
by fidelio
Fri May 24, 2013 11:20 pm
 
Forum: Personal Consumer Issues
Topic: Does Vinegar kill weeds?
Replies: 31
Views: 2833

Re: New Carmax Question

i believe many of their cars are lease returns, usually well-maintained, as stated by the previous poster. it's the "telltale" mileage -- 30,000, for example. everybody makes money in the car game (except for the retail buyer, of course -- he or she gets to lay rubber and burn fuel, for a ...
by fidelio
Fri May 17, 2013 6:08 am
 
Forum: Personal Consumer Issues
Topic: New Carmax Question
Replies: 4
Views: 908

Re: Anyone with experience with Carmax?

i bought a vehicle there last year. no problems at all. as other posters have stated, they will sell you a car for about market price, and buy yours for the wholesale price. i think the difference is that they have employees who are real mechanics who inspect and recondition all their product, and t...
by fidelio
Fri May 17, 2013 6:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone with experience with Carmax?
Replies: 50
Views: 8058

Re: What Book Are You Currently Reading? Part V

just finished "prague fatale," p. kerr. diff. title in european ed. i believe. have degree in european hist., love both kerr and alan furst. if you're not familiar w/ kerr's protagonist bernie gunther, and you like chandler, you can't miss. he's a detective w/ berlin's criminal police and ...
by fidelio
Wed Apr 24, 2013 2:30 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 2636
Views: 604016

Re: Total Bond Market or Stable Value (3.25%)

"Yep, at least half of fixed income in the SV fund, if not all."
+1
by fidelio
Sun Apr 21, 2013 3:16 am
 
Forum: Investing - Theory, News & General
Topic: Total Bond Market or Stable Value (3.25%)
Replies: 23
Views: 2830

Re: REITs vs. rental property

i own both (a little reit in a roth and an income property), and i think it's obvious that the two are vastly different. it's like owning a car vs. owning gm stock, to present a clunky simile. as far as reits diversifying a portfolio, my understanding / experience is that they can twist a little dif...
by fidelio
Mon Apr 15, 2013 4:13 am
 
Forum: Investing - Theory, News & General
Topic: REITs vs. rental property
Replies: 7
Views: 1911

Re: Charles Ellis says stay out of bonds

what happened to short term bond funds?
by fidelio
Thu Apr 11, 2013 4:11 am
 
Forum: Investing - Theory, News & General
Topic: Charles Ellis says stay out of bonds
Replies: 122
Views: 10709

Re: 30 year bond prices up 2-3% today!!

i guess the "Federal Thrift Savings Plan G Fund" is like a stable value fund run by the fed. employee retirement system?
by fidelio
Mon Apr 08, 2013 4:41 am
 
Forum: Investing - Theory, News & General
Topic: 30 year bond prices up 2-3% today!!
Replies: 39
Views: 4034

Re: My thoughts on REITs

i have a rental property and a little bit of a roth in a reit index. it's a long-haul thing ....
by fidelio
Fri Apr 05, 2013 2:29 am
 
Forum: Investing - Theory, News & General
Topic: My thoughts on REITs
Replies: 20
Views: 3537

Re: The Core Four

i have something pretty close in a roth at fido: - spartan s/t treas bd fid advantage class (fsbax) 15% - spartan extended mkt index fid adv class (fsevx) 10 - spartan real estate index fid adv class (fsrvx) 10 - sprtn total mkt indx fid advantage class (fstvx) 40 - fidelity inter bond (fthrx) 25
by fidelio
Fri Apr 05, 2013 2:22 am
 
Forum: Investing - Theory, News & General
Topic: The Core Four
Replies: 246
Views: 128784

Re: Bernstein: Make Peace With T-Bills

i believe bernstein's main point is that f.i. will "revert to the mean" eventually, and those in junk or longer bonds will take a haircut, while those who stayed short will be able to re-invest at the new higher rates. my question is, hasn't benanke announced that the fed will do its utmos...
by fidelio
Thu Apr 04, 2013 1:39 am
 
Forum: Investing - Theory, News & General
Topic: Bernstein: Make Peace With T-Bills
Replies: 50
Views: 4704

Re: What investment does well as interest rates rise?

grokster,

+1. those funds or bonds look great until the issuers are stressed; probably lots of defaults then.

have to be grateful uncle sam is trying to help john q public deal w/ such issues (ibonds, tips, now the floating rate treasuries this year).
by fidelio
Thu Apr 04, 2013 12:56 am
 
Forum: Investing - Theory, News & General
Topic: What investment does well as interest rates rise?
Replies: 29
Views: 4531

Re: Wellesley Vs. Target Retirement Income

i think wellesley's philosophy is solid, old school formula. i owned it for many years but don't now, as i've shortened my bond durations and don't have a place for it in my no-tax side. i hope to own it again after the fed gets out of their interest rate expedition.
by fidelio
Wed Apr 03, 2013 7:27 pm
 
Forum: Investing - Theory, News & General
Topic: Wellesley Vs. Target Retirement Income
Replies: 46
Views: 5126

Re: Five Really Dumb Money Moves You've Got to Avoid

i've done 3 our of 5 (fancy b.f.a., oh well, part of being a dad, and even the kids w/ j.d.'s can't get jobs; and, stock options). these things aren't really "dumb," just moves which can breed regret on hindsight. i've got other real worries. as far as #5, wish i'd put everything into l.t....
by fidelio
Wed Apr 03, 2013 7:18 pm
 
Forum: Investing - Theory, News & General
Topic: Five Really Dumb Money Moves You've Got to Avoid
Replies: 24
Views: 4701

Re: What investment does well as interest rates rise?

agree w/ keith that "diversification" is best policy. equities are gonna go up + down, nothing to be done. however , if one is concerned w/ bond prices dropping as interest rates rise, the only mutual funds i know about that supposedly follow rates up are money market and floating rate bon...
by fidelio
Sun Mar 31, 2013 2:15 am
 
Forum: Investing - Theory, News & General
Topic: What investment does well as interest rates rise?
Replies: 29
Views: 4531

Re: Convertible securities

fwiw, i had the convertible fund at fidelity for some years, based on the supposed "downside protection." long story short, in my view overall, the fund underperformed / was disappointing (nor enough upside?). also fwiw, i'm a big fan of real basic index funds now. my view is that all the ...
by fidelio
Thu Mar 28, 2013 12:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Convertible securities
Replies: 7
Views: 358

Re: Vanguard Stable Value Fund fee increase!

my s.v.f. at fido has an expense ratio of .29, has since end of 2011. i'll watch for any change. funny how those two things are "backwards" between the two outfits. the main reason i have stayed in the fido 401k in retirement is the very low e.r.'s in my co. funds w/ fido -- .02% for total...
by fidelio
Thu Mar 28, 2013 12:37 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Stable Value Fund fee increase!
Replies: 20
Views: 3177

cpa costs

long story short, i acquired a rental property a couple of years ago and the tax returns are over my head. i retained a high-end cpa firm on the rec. of a friend who is a real estate investor, and have had two returns done. i'm definitely not wealthy, just ok, and just retired, doing a little consul...
by fidelio
Thu Mar 21, 2013 2:36 am
 
Forum: Personal Finance (Not Investing)
Topic: cpa costs
Replies: 5
Views: 686

Re: Bonds and interest rates

i think the important issue is: when will you need to spend the bond fund monies? if the fund has a duration of 5 yrs. (as, say, vanguard's int. term calif. muni. fund), then you can ask yourself, if interest rates do rise, and the principal sinks, can you avoid spending the money in that account fo...
by fidelio
Thu Mar 21, 2013 1:57 am
 
Forum: Investing - Theory, News & General
Topic: Bonds and interest rates
Replies: 18
Views: 1716

Re: What asset classes to put in a Roth?

i can see that there is no consensus here -- for asset class, some say bonds, reits, others have microcaps in their roths; and, it seems taxes, while always relevant, should not be the driving force in roth choices. i guess anything goes ,,,,,
by fidelio
Sat Mar 09, 2013 3:16 am
 
Forum: Investing - Theory, News & General
Topic: What asset classes to put in a Roth?
Replies: 61
Views: 4699

Re: Why an Annuity vs Wellesley

Just to throw some gasoline on this fire, why Wellesley rather than Managed Payout Growth & Distribution? :) wow! now we're talkin' .... but not everybody at vanguard is a m.p.f. fan. as the poster stated somewhere that the money had to last, and a legacy was not a concern, it has to be a spia,...
by fidelio
Tue Feb 26, 2013 7:23 am
 
Forum: Investing - Theory, News & General
Topic: Why an Annuity vs Wellesley
Replies: 49
Views: 3133

Re: Poll - how many stock and bonds funds do you own?

i don't even know the exact number, it depends on how you count 'em, as other posters have pointed out. but i do have a rule that limits to five the funds held in any one account - so, vanguard ira has five, fido 401k has five, etc. there is a little fudging going on as one of the five in an ira own...
by fidelio
Mon Feb 18, 2013 10:18 pm
 
Forum: Investing - Theory, News & General
Topic: Poll - how many stock and bonds funds do you own?
Replies: 11
Views: 1224

Re: a john c. bogle book for a lad

my son is a 25-year-old musician, but a bright lad, Not to pick on you but I found your choice of words amusing. The implication being that musicians by nature are not very bright. Yes, I got quite a chuckle on that one also. Cookie well, in reality, he's classically trained, so not at all a numsku...
by fidelio
Mon Feb 18, 2013 2:47 pm
 
Forum: Investing - Theory, News & General
Topic: a john c. bogle book for a lad
Replies: 15
Views: 1328

Re: Convincing youngsters to save seriously

i think i agree w/ the posters who state that a personal involvement is needed - their name on an account. when i was 21, i inherited a little money from my grandparents. i considered all kinds of foolish ways to spend or invest it but managed to hold on to some of it, and eventually it went into a ...
by fidelio
Mon Feb 18, 2013 3:10 am
 
Forum: Investing - Theory, News & General
Topic: Convincing youngsters to save seriously
Replies: 12
Views: 1286

Re: a john c. bogle book for a lad

well, i have the right, having served in the bar bands in the 70s. perhaps you haven't heard some of the classic musician tales: "what is a bass player w/o a girlfriend?" homeless "how do you know if the stage is level?" drool comes out of both sides of the drummer's mouth equall...
by fidelio
Mon Feb 18, 2013 12:24 am
 
Forum: Investing - Theory, News & General
Topic: a john c. bogle book for a lad
Replies: 15
Views: 1328

Re: Luck, skill, or Beardstown Lady?

years ago during one of the bull fevers i had a physician friend who explained to me one day that he would no longer have to practice medicine, as he was successfully day trading. he'd gotten a t-1 line, new desktops and displays, the whole deal. then one day he lost $40k. when his wife fund out, he...
by fidelio
Sun Feb 17, 2013 11:48 pm
 
Forum: Investing - Theory, News & General
Topic: Luck, skill, or Beardstown Lady?
Replies: 64
Views: 4613

Re: Is there an Adrian's Rule for Bond Funds ?

+1 drs85.

my plan is to be grateful i have anything which has a n.a.v. to potentially drop.
by fidelio
Sun Feb 17, 2013 11:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is there an Adrian's Rule for Bond Funds ?
Replies: 49
Views: 1996

Re: Why [do] people have 2 IRAs.

well, there could be many variations on the stories above. i had a bunch of iras from diff jobs and ended up at a place w/ a good 401k program. i worked w/ a cpa to convert the iras to a roth, as my tax situation etc. allowed. meanwhile i maxed out the 401k but had no funds for ira contributions. i ...
by fidelio
Sun Feb 17, 2013 11:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why [do] people have 2 IRAs.
Replies: 33
Views: 3000

Re: The Biggest Financial Asset in Your Portfolio

VictoriaF wrote:Some aspects of the human capital are more clear than others. For example, deciding about going to college after high school poses a trade-off between immediately getting a salary and building one's human capital.

Victoria

what if you get a b.f.a. in music?
by fidelio
Sun Feb 17, 2013 12:26 pm
 
Forum: Investing - Theory, News & General
Topic: The Biggest Financial Asset in Your Portfolio
Replies: 53
Views: 4965

Re: Putting cash in an Ally CD, via Vanguard IRA

fwiw, vanguard's broker one-yr. cd rate is presently 0.4% not too exciting, but remember that many of the outfits that pay high cd rates are in receivership or some flavor of bankruptcy. yes, it's fdic insured, but this could lead to hassles. i believe only the principal is insured, and the wonderfu...
by fidelio
Sun Feb 17, 2013 12:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Putting cash in an Ally CD, via Vanguard IRA
Replies: 10
Views: 1433

Re: a john c. bogle book for a lad

thanks all. you'll be happy to know i gave the lad the little red book of common sense investing, which he stated he would read. now all he needs is something to invest .....
by fidelio
Sun Feb 17, 2013 12:04 pm
 
Forum: Investing - Theory, News & General
Topic: a john c. bogle book for a lad
Replies: 15
Views: 1328

Re: 3-fund portfolio: replace bonds with CDs?

just reviewed performance - 2.88% annualized a/o 1-13. i believe they reset quarterly, so that may drop in april.
by fidelio
Sun Feb 17, 2013 11:25 am
 
Forum: Investing - Theory, News & General
Topic: 3-fund portfolio: replace bonds with CDs?
Replies: 58
Views: 6669

Re: 3-fund portfolio: replace bonds with CDs?

correct, a huge co. 401k. e.r. is .29.
by fidelio
Sun Feb 17, 2013 10:47 am
 
Forum: Investing - Theory, News & General
Topic: 3-fund portfolio: replace bonds with CDs?
Replies: 58
Views: 6669

Re: 3-fund portfolio: replace bonds with CDs?

The problem with many of the suggestions in this thread and other "boosting your fixed income return without adding risk" threads (EE Bonds, I Bonds, PenFed CDs), is that they are either impossible or very cumbersome to do in IRAs and 401ks. All of my retirement money (and I suspect that ...
by fidelio
Sun Feb 17, 2013 7:09 am
 
Forum: Investing - Theory, News & General
Topic: 3-fund portfolio: replace bonds with CDs?
Replies: 58
Views: 6669

Re: WSJ: Why Most Value Investors Will Burn Out

"Value" is a euphemism, like "high-yield" in bonds. I learn from Justin Fox's excellent The Myth of the Rational Market that Benjamin Graham called his favorite investments "cigar butts." Well, they are good "value"--they have a meaningful amount of tobacco i...
by fidelio
Sun Feb 17, 2013 5:29 am
 
Forum: Investing - Theory, News & General
Topic: WSJ: Why Most Value Investors Will Burn Out
Replies: 48
Views: 6702

Re: The end of an investing era (Market Watch article)

i dunno, i have been around for awhile and managed to lose some dollars while deluded that i was somehow going to find an angle. my problem was always in the selling. it's a lot of work to properly manage a stock portfolio! then i was attracted to slice n dice. recently i thought small value was bri...
by fidelio
Sun Feb 17, 2013 5:08 am
 
Forum: Investing - Theory, News & General
Topic: The end of an investing era (Market Watch article)
Replies: 13
Views: 2377

Re: [Who owns] TIPS

i'm "semiretired" (drawing a pension but doing the dreaded consulting too) and am in the middle of allocating my vast holdings, abt. 60-40 / bond/stock, the classic retiree spread. i don't have a lot of taxable, so only have a bit in ibonds. i did place some percentage of my vanguard f.i. ...
by fidelio
Sun Feb 17, 2013 4:53 am
 
Forum: Investing - Help with Personal Investments
Topic: [Who owns] TIPS
Replies: 37
Views: 2805

Re: Stable value funds

there are threads on this topic. stable value funds are creations of paper and ins. contracts aggregated to be low interest rate non-liquid stable money funds, not really "money market funds." they generally don't exist outside of 401k funds.
by fidelio
Sat Feb 16, 2013 4:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Stable value funds
Replies: 11
Views: 1282
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