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Re: Is it a bad move to buy a home now?

$600k. Ha! Come to Silicon Valley where $2.5M gets you a condemned shack that you need to bulldoze: http://www.redfin.com/CA/Menlo-Park/340-San-Mateo-Dr-94025/home/1408128 It's all relative. If it's the right location for you, you can afford it without making significant compromises on your future s...
by gordo
Wed Apr 23, 2014 6:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it a bad move to buy a home now?
Replies: 17
Views: 1119

Re: Vanguard website & Heartbleed security flaw

You can check here:

https://ssltools.websecurity.symantec.c ... tCheck.jsp

Vanguard.com is not vulnerable.
by gordo
Thu Apr 10, 2014 7:13 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16556

Re: Cramer's charitable portfolio performance

Why are we giving Jim Cramer the time of day on a website that promotes global diversification of non-correlated asset classes investing in 10,000+ stocks in all countries, industries, etc....? Perhaps the original post was not clear, but my goal was not to promote Cramer's ideas. Quite the contrar...
by gordo
Sat Feb 01, 2014 12:58 am
 
Forum: Investing - Theory, News & General
Topic: Cramer's charitable portfolio performance
Replies: 10
Views: 1567

Cramer's charitable portfolio performance

Cramer's website, thestreet.com has an open house this weekend, so anyone can sign up and have a look around... which is exactly what I did. I was curious about his "Action Alerts Plus" charitable trust portfolio, where he shows people how hedge fund pros like him invest, trade by trade (a...
by gordo
Fri Jan 31, 2014 10:47 pm
 
Forum: Investing - Theory, News & General
Topic: Cramer's charitable portfolio performance
Replies: 10
Views: 1567

Re: Trying to figure out why not tilt heavily to Small

Thanks for all the advice! I can always count on the Bogleheads to keep me on the straight and narrow. Not sure what I'd do if left to my own devices sometimes. ;-) Looks like the simplest thing to do is stay the course for now. Grabiner's points regarding Simplegift's graph puts it in perspective. ...
by gordo
Sat Dec 14, 2013 6:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Trying to figure out why not tilt heavily to Small
Replies: 21
Views: 1602

Trying to figure out why not tilt heavily to Small

I've been running a fairly simple portfolio for about 10 years now, consisting of VG Total Stock, Total Int'l, Total Bond Index, with a sprinkling of REIT index for good measure. Now I'm looking at the 15 year returns for small cap over at Morningstar (http://goo.gl/CA4axm) and kinda kicking myself ...
by gordo
Fri Dec 13, 2013 8:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Trying to figure out why not tilt heavily to Small
Replies: 21
Views: 1602

Recommend a tax strategist in Bay Area?

I may looking at a small windfall in the near future as the company I used to work just filed their S-1 to IPO. It likely would put me into a different tax bracket temporarily next year if I were to sell shares. I'd like to consult with a tax professional who has experience dealing with these matter...
by gordo
Wed Aug 07, 2013 4:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Recommend a tax strategist in Bay Area?
Replies: 0
Views: 170

Anyone know how to read an S-1 filing for IPO?

I know it's not a typical Boglehead topic, but I'm hoping someone here understands IPO filings better than I do. The company I used to work for (and for which I own a small amount of stock) just announced its intention to IPO. The filing is here: https://www.sec.gov/Archives/edgar/data/1370880/00011...
by gordo
Fri Aug 02, 2013 7:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone know how to read an S-1 filing for IPO?
Replies: 2
Views: 164

Re: Quick points in defense of indexing for retirement?

InvestorNewb wrote:What holding do you use as the core of your portfolio?


Generally TSM variants.
by gordo
Tue Jul 02, 2013 1:56 am
 
Forum: Investing - Theory, News & General
Topic: Quick points in defense of indexing for retirement?
Replies: 28
Views: 1598

Re: Quick points in defense of indexing for retirement?

Well looks like the consensus is just to keep my mouth shut and deflect. Probably the safest bet anyway. We'll see how it goes when we next meet...
by gordo
Tue Jul 02, 2013 1:55 am
 
Forum: Investing - Theory, News & General
Topic: Quick points in defense of indexing for retirement?
Replies: 28
Views: 1598

Re: Quick points in defense of indexing for retirement?

livesoft wrote:Just have a long-term contest with him: Whoever makes more money gets to get the other's portfolio.


Funny and it would work if I was confident that he could actually calculate his IRR. Instead, he'd probably show me a collection of prospectuses and do a bunch of hand waving.
by gordo
Mon Jul 01, 2013 7:36 am
 
Forum: Investing - Theory, News & General
Topic: Quick points in defense of indexing for retirement?
Replies: 28
Views: 1598

Quick points in defense of indexing for retirement?

My know-it-all father-in-law has been encouraging the wife to have a look at his full service investments guy to "help out" with our portfolio. Neither the father-in-law nor his investment adviser are what I would call low cost indexers. Wife is sort of laughing it off as she has complete ...
by gordo
Mon Jul 01, 2013 7:18 am
 
Forum: Investing - Theory, News & General
Topic: Quick points in defense of indexing for retirement?
Replies: 28
Views: 1598

Re: Norton Utilities subscription expiring...

On modern Windows operating systems (say Vista and newer), 3rd-party performance utilities mostly represent a placebo -- it feels good to clean up unused registry entries, but it's doing little to actually speed up your computer. Defragging hard disks and minding your startup applications are probab...
by gordo
Sun Jun 30, 2013 12:04 pm
 
Forum: Personal Consumer Issues
Topic: Norton Utilities subscription expiring...
Replies: 14
Views: 949

Re: Advice on 529 glide slope

Thanks for the feedback... took your points, did a little more research and came up with this. I noticed all the UESP options have 100% savings at 19+, but I figured Short-term investment-grade isn't a huge risk during college years (I had a good hard look at the 2008 dip and a temporary 10% drop do...
by gordo
Thu Jun 20, 2013 12:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice on 529 glide slope
Replies: 8
Views: 699

Re: Would you buy Total World index if it had Admiral Shares

Nisiprius, does that mean you're advocating allowing your US/Int'l equity ratio to float with the markets over time as opposed to re-balancing?
by gordo
Wed Jun 19, 2013 7:28 pm
 
Forum: Investing - Theory, News & General
Topic: Would you buy Total World index if it had Admiral Shares?
Replies: 40
Views: 3436

Advice on 529 glide slope

My two year old's Utah 529 appears to have updated available investment options to include a Vanguard Total International Index fund as well as several custom allocation options, one of which allows me to setup a fairly basic glide slope that should be more or less hands off until he's college age. ...
by gordo
Tue Jun 18, 2013 11:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on 529 glide slope
Replies: 8
Views: 699

Re: Vanguard's Bogle: Yesterday Sound & Fury Signifying Noth

That is just bizarre. Who on CNBC decides to put him on like that? They must know ahead of time that he's not going to kowtow to their meaningless fast-talking speculation circus, so why even put him on in the first place?
by gordo
Fri Jun 07, 2013 2:13 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard's Bogle: Yesterday Sound & Fury Signifying Nothing
Replies: 16
Views: 2536

Re: Why no mutually owned companies beyond finance/insurance

I think you need long term stability of business model for mutual ownership to work... The Coop movement was big in the 19th Century, and associated with the Quakers. The Quakers were particularly good about money, so perhaps that is part of the origin. Right, so things like farming, funeral homes,...
by gordo
Mon Jun 03, 2013 3:44 am
 
Forum: Investing - Theory, News & General
Topic: Why no mutually owned companies beyond finance/insurance?
Replies: 14
Views: 3875

Why no mutually owned companies beyond finance/insurance?

Both the insurance company and financial services company I do business with are mutually owned. It certainly wasn't a conscious decision at the time to do it that way, but that's inevitably how it worked out for me. So, the other day, I got to thinking that it seems there is something special about...
by gordo
Mon Jun 03, 2013 3:17 am
 
Forum: Investing - Theory, News & General
Topic: Why no mutually owned companies beyond finance/insurance?
Replies: 14
Views: 3875

Re: second in series on VC--leading firm falters

Yes, but Larry this can't be true going forward because VC is where all the growth is going to be when the public markets are regulated into oblivion: http://www.businessinsider.com/andreessen-tech-ipos-2013-5 Also, didn't you know that Andreessen-Horowitz is where all the smart money flows now? Kle...
by gordo
Tue May 14, 2013 4:35 pm
 
Forum: Investing - Theory, News & General
Topic: second in series on VC--leading firm falters
Replies: 1
Views: 244

Andreessen: Regulation creating two-tiered market

Hadn't heard this one before: According to Marc Andreessen, co-founder of silicon valley VC firm Andreessen Horowitz, if the current climate of regulation continues, new companies will be scared off from going public, resulting in a two-tiered system where rich people will invest in private growth f...
by gordo
Tue May 14, 2013 4:22 pm
 
Forum: Investing - Theory, News & General
Topic: Andreessen: Regulation creating two-tiered market
Replies: 18
Views: 1205

Re: Just Sold Out. What do you think?

All I can say is it looks like you joined this forum 4 days too late. Better late than never though. Read up as others have suggested and maybe you'll luck out when you're ready to jump back in and the market will be down from your May 9th exit...
by gordo
Mon May 13, 2013 6:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just Sold Out. What do you think?
Replies: 95
Views: 7522

Re: DEATH KNELL OF COFFEEHOUSE INVESTOR

Why is your topic subject headline screaming at us? I'd suggest editing the first post to not be in all caps as in "Internet-speak", that constitutes yelling at the forum members/readers. I take it the irony of the headline was lost on you. Bill Schultheis is the *author* of the Coffeehou...
by gordo
Wed Apr 24, 2013 3:31 am
 
Forum: Investing - Theory, News & General
Topic: Death knell of Coffeehouse Investor
Replies: 30
Views: 5151

Theory: Why should VEU fluctuate during US trading day?

I'm curious about the mechanics of international ETFs that trade during US hours. I was thinking that, for example, why should VEU -- an ETF that is theoretically tracking stock exchanges that are closed for part or all of the US trading day -- fluctuate between 9:30-4pm ET as if it was a US stock? ...
by gordo
Wed Jan 23, 2013 5:18 pm
 
Forum: Investing - Theory, News & General
Topic: Theory: Why should VEU fluctuate during US trading day?
Replies: 5
Views: 512

Re: Question Regarding the Retirement Calculator from Hell

Silence Dogood wrote:Does this mean that the Bogleheads are acting against their own best interests by promoting financial literacy?


Yes, in the same way that if we all got together and blew against the wind, we could change the weather.
by gordo
Wed Jan 16, 2013 1:36 pm
 
Forum: Investing - Theory, News & General
Topic: Question Regarding the Retirement Calculator from Hell
Replies: 29
Views: 3469

Re: What was your 2012 return?

huh, Quicken tells me the IRR was 17.36%. But I'm not sure if I trust it. For instance, Quicken said my 401k's IRR was 19%, when Prudential said it was only 14.5%. If you care about an accurate IRR, do not blindly trust Quicken. I spent 3 days poring through my data with wildly changing results bef...
by gordo
Sat Jan 12, 2013 4:34 am
 
Forum: Investing - Theory, News & General
Topic: What was your 2012 return?
Replies: 275
Views: 20289

Re: What was your 2012 return?

Still, the US Market was up ~8% for the year but most people got above 10%? I'm assuming due to international funds, REITs, things of that nature? Don't forget to look at the total market, not just S&P500 and also don't forget dividends. Morningstar shows that VTSAX did 16.38% in 2012: http://p...
by gordo
Thu Jan 10, 2013 6:14 pm
 
Forum: Investing - Theory, News & General
Topic: What was your 2012 return?
Replies: 275
Views: 20289

Re: What was your 2012 return?

14.00% IRR on the dot according to Quicken, with approximately 80/20 equities/fixed.

More important in my mind was 20.1% overall portfolio growth (including contributions). :-)
by gordo
Thu Jan 10, 2013 12:47 pm
 
Forum: Investing - Theory, News & General
Topic: What was your 2012 return?
Replies: 275
Views: 20289

Re: Hartford's proprietary VTSMX fund

gordo, if this is actually a trust, then there should be no ticker symbols. Where did you get VTSMX from? VTSMX is a mutual fund, not an index, so it isn't used for tracking. Is the 457 actually offering VSTMX? If so, then it's the genuine Vanguard fund, but you will no doubt find a lag in performa...
by gordo
Sat Jan 05, 2013 5:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hartford's proprietary VTSMX fund
Replies: 11
Views: 959

Re: Hartford's proprietary VTSMX fund

Gordo: Vanguard's Total Stock Market Index Fund Admiral (VTSAX) returned (with dividends) 16.38% in 2012. Compare this with the 2012 return of your Hartford fund. I would be interested in knowing the difference. Thank you and best wishes. Taylor Interesting... They're claiming 16.14% for year ended...
by gordo
Sat Jan 05, 2013 1:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hartford's proprietary VTSMX fund
Replies: 11
Views: 959

Re: Hartford's proprietary VTSMX fund

See this thread from earlier today: http://www.bogleheads.org/forum/viewtopic.php?f=2&t=108250 You do not need to know about dividends in order to calculate XIRR(). If this fund had no dividends because the price per share was increased, then that's enough. Ok, that pretty much answers my conce...
by gordo
Fri Jan 04, 2013 9:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hartford's proprietary VTSMX fund
Replies: 11
Views: 959

Hartford's proprietary VTSMX fund

My wife's 457 (like a 401k for government employees) is 100% invested in Vanguard Total Stock Mkt Index, administered by Hartford Financial. Believe it or not, it's 2013 and there's no way to get the data out of the account except by manually transcribing each transaction (no OFX, CSV export or anyt...
by gordo
Fri Jan 04, 2013 8:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hartford's proprietary VTSMX fund
Replies: 11
Views: 959

Re: 2013 BOGLEHEAD CONTEST REGISTRATION

1640.14
by gordo
Tue Jan 01, 2013 5:25 pm
 
Forum: Investing - Theory, News & General
Topic: 2013 BOGLEHEAD CONTEST REGISTRATION
Replies: 481
Views: 15104

Re: Potential windfall in 2013. Anything to prepare for now?

I wouldn't tell any friends or family about this, except your wife of course with a promise of confidentiality. That could save you plenty since it would eliminate the spending plans of others and leave you time to concentrate on your taxes and investments. Yeah, I told the wife who told her parent...
by gordo
Thu Nov 29, 2012 11:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Potential windfall in 2013. Anything to prepare for now?
Replies: 7
Views: 846

Re: Potential windfall in 2013. Anything to prepare for now?

Depending on where you live now, moving to a state with no income tax could save you real money! Has anyone here done that successfully? Well, if I was single and didn't care about losing my job, I suppose I could do that, but as it stands, realistically I'm not going anywhere for 2013. I'm sure th...
by gordo
Thu Nov 29, 2012 7:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Potential windfall in 2013. Anything to prepare for now?
Replies: 7
Views: 846

Re: Potential windfall in 2013. Anything to prepare for now?

So it sounds like not much to do other than to generally avoid other taxable transactions in 2013? I don't actually own a house , so no worries there. Depending on what the actual windfall is, I may or may not be able to afford one where I live.
by gordo
Thu Nov 29, 2012 6:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Potential windfall in 2013. Anything to prepare for now?
Replies: 7
Views: 846

Potential windfall in 2013. Anything to prepare for now?

I recently learned that the company for which I used to work will likely IPO in 2013. I have shares that I purchased many years ago at a very low strike price and which I believe will be taxed at the LTCG rate (whatever that ends up being for 2013) upon IPO. I am not considered an insider since I've...
by gordo
Thu Nov 29, 2012 4:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Potential windfall in 2013. Anything to prepare for now?
Replies: 7
Views: 846

Re: Dear Bogleheads - time to pony up

In for $25. I second the idea of having some kind of incentive or levels (an avatar badge or something of the sort) for donors (convenient, now that I am one :D ). I personally find PBS to be annoying with their constant pledge drives and subtle guilt trips, but I think Bogleheads.org is frankly too...
by gordo
Mon Nov 05, 2012 8:56 pm
 
Forum: Forum Issues and Administration
Topic: [merged donation threads] Dear Bogleheads - time to pony up
Replies: 277
Views: 14816

Re: 3rd in series on how indexing is ruining the market

... if Bogleheads were to convince everyone to buy index funds, who would then be setting the price of individual stocks? In reality it would never happen. You'd end up with a sort of equilibrium, because as the market became more and more filled with Indexers, at a certain point, market efficiency...
by gordo
Fri Oct 19, 2012 10:02 pm
 
Forum: Investing - Theory, News & General
Topic: 3rd in series on how indexing is ruining the market
Replies: 9
Views: 1477

Re: How to 'responsibly' gamble part of house downpayment?

VCAIX (actually the Admiral version VCADX in my situation) may be the way to go... though I don't fully understand bond risk. Can someone explain what the chances are of losing say 5%, 15% or 25% of my principal if i went in say at 100% for the next 1-2 years? That'll help me figure out what portion...
by gordo
Fri Sep 21, 2012 2:21 am
 
Forum: Investing - Help with Personal Investments
Topic: How to 'responsibly' gamble part of house downpayment?
Replies: 22
Views: 1844

Re: How to 'responsibly' gamble part of house downpayment?

I think the OP is underestimating the cost of home ownership. Not really, I just didn't provide the information necessary to make a proper judgment in the original post. I'd be spending more than enough to purchase a house that has all the major repair items taken care of for the first few years an...
by gordo
Fri Sep 21, 2012 12:00 am
 
Forum: Investing - Help with Personal Investments
Topic: How to 'responsibly' gamble part of house downpayment?
Replies: 22
Views: 1844

Re: How to 'responsibly' gamble part of house downpayment?

You are willing to lose 15% of your principal to gain what?.... 1%, perhaps 1.5% in annual growth. ⋅ If you have 25% x $500K (just pulled that out of a hat) = $125K. So 1% extra per year = $1,300 compounded. ⋅ Investing this short term money is not about gambling, it is about we...
by gordo
Thu Sep 20, 2012 11:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to 'responsibly' gamble part of house downpayment?
Replies: 22
Views: 1844

Re: How to 'responsibly' gamble part of house downpayment?

1) You've answered your own question in the words you chose to use for your question. You cannot "gamble" responsibly. If it feels like something you'd use the word "gamble" about, you can't use it for your downpayment. I used the word 'gamble' because it seemed like a slightly ...
by gordo
Thu Sep 20, 2012 5:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to 'responsibly' gamble part of house downpayment?
Replies: 22
Views: 1844

Re: How to 'responsibly' gamble part of house downpayment?

@landy: Do I need return ON my money or return OF my money? Well, I would like to have better returns on my money and am willing to risk * some * of my money for the chance to achieve it. A 15% loss would not be too damaging, if for some unforeseen reason I was forced to sell at such a loss. My over...
by gordo
Thu Sep 20, 2012 4:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to 'responsibly' gamble part of house downpayment?
Replies: 22
Views: 1844

How to 'responsibly' gamble part of house downpayment?

First let me start out by saying that I'm a Boglehead at heart, have virtually no debt, have all of my emergency cash needs met, retirement and child education funds fully funded with appropriate asset allocations and long-term investment plans in place. I have a separate chunk of "near-term&qu...
by gordo
Thu Sep 20, 2012 3:00 am
 
Forum: Investing - Help with Personal Investments
Topic: How to 'responsibly' gamble part of house downpayment?
Replies: 22
Views: 1844

Re: I need a new browser

jdilla1107 wrote:Google Chrome is far and away the best browser. No contest, nothing to debate. ;-)


I prefer Firefox since it doesn't spy on me. ;-)
by gordo
Mon Aug 27, 2012 9:01 pm
 
Forum: Personal Consumer Issues
Topic: I need a new browser
Replies: 53
Views: 3570

Re: I need a new browser

For your own sake, please get off of Windows 2000. Computer's are not like cars where you can just run them into the ground until it physically fails. If you're using this computer to connect to the Internet, you need to worry about what vulnerabilities you're exposing yourself to by running outdate...
by gordo
Mon Aug 27, 2012 8:29 pm
 
Forum: Personal Consumer Issues
Topic: I need a new browser
Replies: 53
Views: 3570

Re: Hiring a baby sitter instead of day care

Legally speaking (IANAL), if they're over 18, will get paid $1800/yr and you set their schedule, they're probably your employee. To qualify as an independent contractor, the worker must show factors that indicate true independence, such as being able to determine when (days or time) and where work i...
by gordo
Thu Aug 23, 2012 11:18 pm
 
Forum: Personal Consumer Issues
Topic: Hiring a baby sitter instead of day care
Replies: 53
Views: 4727

Re: "Foolish" Vanguard vs Betterment Article

Why would anyone pay extra for what they currently have access to through Vanguard accounts? I dunno, there are worse things I suppose than a low-fee middleman between you and your investments if they provide some value adn stick to passive investments. It's kind of looks like investing for dummies...
by gordo
Thu Apr 19, 2012 4:01 pm
 
Forum: Investing - Theory, News & General
Topic: "Foolish" Vanguard vs Betterment Article
Replies: 30
Views: 7765
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