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Re: Thesis: "Current secular bear market is an opportunity."

I agree that investing today should provide you much better returns than investing in 2000, so that should provide comfort. on the other hand, the bubble of 2000 was of such epic proportions that the market today is still expensive if you look at Shiller P/e for example. Unlike many others here, I ...
by ge1
Sun Jul 14, 2013 6:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thesis: "Current secular bear market is an opportunity."
Replies: 63
Views: 5763

Re: Thesis: "Current secular bear market is an opportunity."

I agree that investing today should provide you much better returns than investing in 2000, so that should provide comfort. on the other hand, the bubble of 2000 was of such epic proportions that the market today is still expensive if you look at Shiller P/e for example. Unlike many others here, I t...
by ge1
Sun Jul 14, 2013 6:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Thesis: "Current secular bear market is an opportunity."
Replies: 63
Views: 5763

completed refi today, feels pretty good...

Signed all the paperwork this morning for the refi, we locked in the rate probably 6 weeks ago.

2.75% for 15 years, feels pretty good :sharebeer

Nice weekend everybody!
by ge1
Fri Jul 05, 2013 9:50 am
 
Forum: Personal Finance (Not Investing)
Topic: completed refi today, feels pretty good...
Replies: 2
Views: 425

Re: what you should know about the recent market drop

Larry - thanks for your continued contributions to this board, I always enjoy reading your balanced view. I have to admit I am a bit puzzled about the statement that the market is not expensive based on forward operating earnings: - why would we even use operating earnings? This basically allows com...
by ge1
Thu Jun 27, 2013 6:10 am
 
Forum: Investing - Theory, News & General
Topic: what you should know about the recent market drop
Replies: 27
Views: 5764

Re: I love the smell of fear in the markets

does anyone else get giddy when the news on the the markets is bad? Those who relish other's misfortune have much bigger problems than they realize. C'mon guys, these comments are getting a bit much. I would argue a falling market is better as you can reinvest at lower prices. And everybody who rel...
by ge1
Mon Jun 24, 2013 2:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: I love the smell of fear in the markets
Replies: 34
Views: 4676

Re: Things are getting interesting...

I can't help it but I just like when things are on sale Emerging Markets - down 5% today, down 17% for the year International - down 4% both today and for the year US REITs - down 4.5% today and flat for the year. Bought more Emerging Markets today, who else is buying? You must be a retailers dream...
by ge1
Thu Jun 20, 2013 9:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Things are getting interesting...
Replies: 12
Views: 1964

Re: How Would Mr. Bogle Calculate Expected REIT Returns?

I would say this qualifies as a timely post... :sharebeer
by ge1
Thu Jun 20, 2013 4:07 pm
 
Forum: Investing - Theory, News & General
Topic: How Would Mr. Bogle Calculate Expected REIT Returns?
Replies: 119
Views: 14652

Things are getting interesting...

I can't help it but I just like when things are on sale

Emerging Markets - down 5% today, down 17% for the year
International - down 4% both today and for the year
US REITs - down 4.5% today and flat for the year.

Bought more Emerging Markets today, who else is buying?
by ge1
Thu Jun 20, 2013 3:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Things are getting interesting...
Replies: 12
Views: 1964

Re: Which mortgage option?

At those rates certainly the 30 year. Did they not quote you a 15 year rate? Even after the recent increase you should get them a little over 3%. If you can afford it I like the 15 year mortgages, however as other said the 30 year provides more flexibility due to the lower payments. Also assuming ra...
by ge1
Sun Jun 16, 2013 6:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Which mortgage option?
Replies: 11
Views: 802

Re: What age did you reach 100K networth?

31 when I got married :happy
by ge1
Sat Jun 15, 2013 6:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 264
Views: 33651

Re: Sub-emerging Markets: All that's left is the crying

Random Musings wrote:I betcha emerging market index outperforms domestic index over the next 5 to ten years. I can't get excited about short term noise.

RM


Agree. My stock allocation is mostly emerging markets.
by ge1
Wed Jun 12, 2013 8:32 pm
 
Forum: Investing - Theory, News & General
Topic: Sub-emerging Markets: All that's left is the crying
Replies: 62
Views: 6256

Re: Investment property and cap rate

You ignore that by paying the mortgage your equity increases and leverage goes down. I'm just starting out doing investment properties, but as others mentioned your rental income seems very low. As a comparison, we are in the process of buying an apartment for 140k and should get 1200 per month in r...
by ge1
Mon Jun 10, 2013 9:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Investment property and cap rate
Replies: 32
Views: 2392

Re: El-Erian: Walk, Don't Run From Equities Risk

looks like smart advise to me
by ge1
Wed Jun 05, 2013 1:43 pm
 
Forum: Investing - Theory, News & General
Topic: El-Erian: Walk, Don't Run From Equities Risk
Replies: 36
Views: 4335

Re: Bad day for REITs

Note that later in that thread Larry Swedroe described how he changed his plan in 1998, going to small-value only for equities, and reducing his overall equity allocation. He did that toward the end of one of the great equity bull markets (although as he said, a couple of years early), not after st...
by ge1
Wed May 29, 2013 5:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bad day for REITs
Replies: 63
Views: 7911

Re: Bad day for REITs

Note that later in that thread Larry Swedroe described how he changed his plan in 1998, going to small-value only for equities, and reducing his overall equity allocation. He did that toward the end of one of the great equity bull markets (although as he said, a couple of years early), not after st...
by ge1
Wed May 29, 2013 4:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bad day for REITs
Replies: 63
Views: 7911

Re: Bad day for REITs

InvestorNewb I have to admit reading the thread makes me cringe. You are in my view completely overexposed to a fairly small sector of the economy, which admittely had a great run over the last few years. Since the March 2009 lows REITs are up a staggering 240%! And now after a small drop you are al...
by ge1
Wed May 29, 2013 4:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bad day for REITs
Replies: 63
Views: 7911

Re: The prudent way to increase expected returns

Thanks Larry for your continued great contributions to this forum.

I'm curious what sort of earnings number is being used to calculate the US P/E ratio? I believe trailing reported earnings for the S&P are around 90, which would give me a P/e ratio of approx 18 and not 13?
by ge1
Sat May 25, 2013 1:39 pm
 
Forum: Investing - Theory, News & General
Topic: The prudent way to increase expected returns
Replies: 31
Views: 4080

Re: C'mon international rise!

Yes, I strongly overweigh Emerging Markets. If you believe GMO Emerging Markets will outperform US by a very wide margin over the next 7 years.
by ge1
Sat May 25, 2013 1:23 pm
 
Forum: Investing - Theory, News & General
Topic: C'mon international rise!
Replies: 47
Views: 4242

Re: Will 1,666 be the high?

nisiprius wrote:If the Book of Revaluations is right, it might be the bestial get.


love it :D
by ge1
Fri May 17, 2013 4:33 pm
 
Forum: Investing - Theory, News & General
Topic: Will 1,666 be the high?
Replies: 31
Views: 3487

Will 1,666 be the high?

As 666 was the low back in March 2009, maybe 1,666 will be the high :wink: ? Not having invested yet in the 90s, I have to admit this ongoing rally is getting a bit scary. And a bit painful as well, as I'm overweight emerging markets. So good for you all who have small cap, REITS, high yield bonds a...
by ge1
Fri May 17, 2013 3:47 pm
 
Forum: Investing - Theory, News & General
Topic: Will 1,666 be the high?
Replies: 31
Views: 3487

Re: Just Sold Out. What do you think?

Not crazy, just a market timer :D The key in investing is you have to do it your own way and you have to learn your own lessons. I share your view that the US market is overpriced, but being 0% in stocks doesn't make any sense, especially given your age. A few thoughts - Even though the S&P is a...
by ge1
Mon May 13, 2013 8:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just Sold Out. What do you think?
Replies: 95
Views: 7609

Re: Your best financial move

Buying an apartment in NYC in 2004 and selling it in 2008 for 50% more.
by ge1
Sat Apr 27, 2013 9:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your best financial move
Replies: 98
Views: 7897

Re: Are we in a stock bubble?

Yes .
by ge1
Thu Apr 25, 2013 10:29 pm
 
Forum: Investing - Theory, News & General
Topic: Are we in a stock bubble?
Replies: 49
Views: 4558

Re: Help w/ a $55M portfolio?

And yes, I think you have too much in fixed income / cash. I would aim for 60/40 stocks / bonds and cash.
by ge1
Sun Apr 21, 2013 6:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Help w/ a $55M portfolio?
Replies: 51
Views: 6933

Re: Help w/ a $55M portfolio?

Trust me, if I had a 60m portfolio I would spend 700k per year. :happy A few thoughts (probably not very Boglehead like): - I would diversify much more internationally. I would aim for a 50/50 split and I would put a good portion of international in emerging markets (people such a Grantham are forec...
by ge1
Sun Apr 21, 2013 6:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Help w/ a $55M portfolio?
Replies: 51
Views: 6933

Re: Help me manage a $7 million portfolio.

Thanks for the replies, I didn't expect this many. I know some of you guys are just trying to help but I don't appreciate being told I shouldn't be managing the money due to my age and my lack of knowledge; that's why I came here! So I'd prefer more advice on the numbers/math side and less on why I...
by ge1
Wed Apr 17, 2013 5:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me manage a $7 million portfolio.
Replies: 105
Views: 12746

Re: Those of you with alot of money, how did you do it?

Both wife and I have good careers Wife made 2 great real estate investment when she was young We made another great real estate investment together, followed by a bad one, so I guess that cancels each other out :D We spend a lot but still manage to save a lot Live in a cheap house (house price clear...
by ge1
Wed Apr 10, 2013 9:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Those of you with alot of money, how did you do it?
Replies: 81
Views: 9236

Re: Rick Ferri's Interview - Own Stocks to Offset Low Rates

Interesting interview. I agree with Rick's assessment that bond returns are likely unattractive going forward, however I disagree that equities are a good investment at these levels. Based on trailing 1 year earnings the market may look reasonable, however profit margins are at records levels and I ...
by ge1
Sun Apr 07, 2013 2:17 pm
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri's Interview - Own Stocks to Offset Low Rates
Replies: 130
Views: 12247

Re: CPA exam

Sorry for resurrecting this old thread, but I finally got my license yesterday (yeah!) and good luck to everybody currently studying!
by ge1
Fri Apr 05, 2013 8:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: CPA exam
Replies: 39
Views: 4971

Re: Windfall / Sell of business - AA advice

Agree with landy, 70% equities seems too high. How would you feel if you lost 2.5m in a bear market? Personally I would probably aim for 50% equities. Given how much the market went up recently, I would also think about how to put that money into market (lump sum vs DCA), I would suggest to DCA over...
by ge1
Fri Apr 05, 2013 8:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Windfall / Sell of business - AA advice
Replies: 15
Views: 1076

Re: How did you make your million(s)?

High incomes for both my wife and gains from selling properties. Plus obviously savings.
by ge1
Thu Nov 08, 2012 7:03 pm
 
Forum: Investing - Theory, News & General
Topic: How did you make your million(s)?
Replies: 81
Views: 11679

Re: $800 to burn on fitness related expense

personal trainer sessions
by ge1
Sat Oct 13, 2012 11:50 am
 
Forum: Personal Consumer Issues
Topic: $800 to burn on fitness related expense
Replies: 35
Views: 1736

Re: Which book covers Wall St. Problems of last decade?

I probably ready most of the books out there on the financial crisis and my favourite 3 were

Michael Lewis - Big Short (much better than Boomerang)
Andrew Ross Sorkin - Too Big to fail
Hank Paulsen Bio - On the Brink
by ge1
Fri Sep 21, 2012 2:52 pm
 
Forum: Investing - Theory, News & General
Topic: Which book covers Wall St. Problems of last decade?
Replies: 23
Views: 1558

Re: Possible mid-life crisis - please help

wamfan - interesting post. I can certainly relate to your situation. Same age as you and earning good money as well, but luckily enjoy my job more :) Even so, my wife and talk a lot about downsizing / working less etc and at some point in the hopefully not too distant future there will be a point wh...
by ge1
Thu Sep 06, 2012 3:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Possible mid-life crisis - please help
Replies: 94
Views: 11375

Re: CPA exam

Completely agree with hillman: I use the Becker material and the books and CDs with homework are excellent. They teach you exactly what will be asked at the exam. And I didn't even attend any classes or watched any of the lectures you get from Becker as well. Just a matter of being disciplined. I gu...
by ge1
Thu Sep 06, 2012 3:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: CPA exam
Replies: 39
Views: 4971

Re: CPA exam

MoneyTalks - did you get the results? Thankfully I passed Audit. Actually had my highest score yet (94), which was odd as I didn't have a good feeling after the exam at all... Started studying for my last section (Reg) today. Not motivated at all, but I'll give myself time and at least this is the l...
by ge1
Mon Sep 03, 2012 12:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: CPA exam
Replies: 39
Views: 4971

Re: What was Your Starting Salary Out of College?

115k in today's dollars in Financial Industry.
by ge1
Wed Aug 08, 2012 6:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: What was Your Starting Salary Out of College?
Replies: 151
Views: 8730

Re: How much do you save?

On a very good combined income, we roughly save 1/3, pay taxes 1/3 and spend 1/3
by ge1
Tue Aug 07, 2012 5:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: How much do you save?
Replies: 44
Views: 5697

Olympics TV coverage

I must have forgotten how bad the TV coverage of the last Olympics was, but this is just awful. I tend to go to bed around 10pm so all I see at NBC every night is Beach Volleyball and Diving! Growing up in Europe, I'm used to watching every event live - and if the Olympics would be in a different ti...
by ge1
Fri Aug 03, 2012 9:09 pm
 
Forum: Personal Consumer Issues
Topic: Olympics TV coverage
Replies: 2
Views: 427

Re: Let's talk about the Olympics

Love the live streaming!

Beijing was unwatchable for me with all the delays and commercials, this is great. The app on my iPad seems to be working well as well. I doubt that they get high ratings on prime time, but this is the future of watching sport events.
by ge1
Mon Jul 30, 2012 5:21 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Let's talk about the Olympics
Replies: 115
Views: 9311

Re: CPA exam

MoneyTalks - how did the exam go?

Taking it next Saturday, will be glad when this one is over!
by ge1
Sat Jul 28, 2012 8:11 am
 
Forum: Personal Finance (Not Investing)
Topic: CPA exam
Replies: 39
Views: 4971

Re: talk me out of buying an individual stock (Facebook)

Go for it. I allocate 3-5% of my portfolio to trading and buy / sell whatever I want, often for short periods. I'm careful though not to increase the %. Either way, it won't make a significant difference to your net worth. Interesting that you think FB advertising is superior. From a users perspecti...
by ge1
Sat Jul 28, 2012 8:09 am
 
Forum: Investing - Help with Personal Investments
Topic: talk me out of buying an individual stock (Facebook)
Replies: 108
Views: 13541

Re: Sky is Falling but not the market...

I guess I am just sorta wondering what is going on with the stock market. As I see it there are so many reasons for the market to be getting hit hard. Spain is on the brink and ready to cause chaos with Europe and make the little Greek problem look like nothing. Our economy isn't growing, our unemp...
by ge1
Thu Jul 19, 2012 9:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sky is Falling but not the market...
Replies: 15
Views: 2928

Re: Trip To Europe

My wife and I have decided to travel to Europe during the summer of 2014. I would like some help regarding the below items. Thank you. 1. Is there a best time (how far out) to book airlines and hotels when traveling internationally? 2. We spend between $50K and $75K per year on Credit Cards. Is the...
by ge1
Fri Jul 13, 2012 2:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trip To Europe
Replies: 27
Views: 1532

Re: CPA exam

Studying for Audit now, exam in 4 weeks.

Have to say that the study material is extremely boring, no calculations, only concepts :twisted:

Hope my fellow CPA bogleheads are doing well in their studies!
by ge1
Tue Jul 03, 2012 8:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: CPA exam
Replies: 39
Views: 4971

Re: Newer Attending Physician In Need of Your Expertise!

Wow, I have to admit I'm still in shock about the size of these loan amounts. On the other hand, you got great rates of 1.9% and 2.9%. There is no rush to pay these off at all, you should very likely achieve a (much) higher return when investing. So if I were you - Pay off the car loan - no fancy va...
by ge1
Sun Jul 01, 2012 2:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Newer Attending Physician In Need of Your Expertise!
Replies: 57
Views: 5868

Re: All the news isn't bad

Larry I would have to think this through more but I guess I'm saying that that the prices in the stock market are set based on a very short time horizon. People think stocks maybe higher in 1 or 3 months and they buy. Or they think they go lower in a few weeks and they sell. If that's true, wouldn't...
by ge1
Tue Jun 26, 2012 8:20 pm
 
Forum: Investing - Theory, News & General
Topic: All the news isn't bad
Replies: 15
Views: 2166

Re: Long time lurker, 1st post. Stretching too far for house

I think it's too expensive. Just as a comparison, we bought a house for a little less than yours and our combined income is much higher than yours. I did not read all the responses, but I guess it also depends if there are cheaper houses available to buy in your area and how a rental would compare t...
by ge1
Tue Jun 26, 2012 6:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Long time lurker, 1st post. Stretching too far for house?
Replies: 58
Views: 4172

Re: All the news isn't bad

Larry - thanks for the link as always. I do find the argument that all news is already priced in the market too simplistic though. Take the current situation: The US stock market is holding up pretty well with the S&P up 4-5% this year (I think). In my view the main reason for this relatively st...
by ge1
Tue Jun 26, 2012 5:55 pm
 
Forum: Investing - Theory, News & General
Topic: All the news isn't bad
Replies: 15
Views: 2166

Re: [POLL] Net worth to income ratio - how do you compare

Slightly above average but luckily both net worth and income are much higher than average... :D
by ge1
Thu Jun 21, 2012 8:56 am
 
Forum: Investing - Theory, News & General
Topic: [POLL] Net worth to income ratio - how do you compare
Replies: 38
Views: 3275
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