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Re: Do you deviate from the BH philosophy?

I think simplicity is overrated. If a simple portfolio works, fine. But I don't see it as being an end in itself. I like to think of the Einstein Principle: "A scientific theory should be as simple as possible, but no simpler. -- AlbertEinstein" (http://c2.com/cgi/wiki?EinsteinPrinciple) ...
by inbox788
Thu Oct 02, 2014 1:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Do you deviate from the BH philosophy?
Replies: 36
Views: 1000

Re: LED Flashlights

I get the cheap 3 packs at Costco for under $20. They work ok for general household use, around 200 lumens. For outdoor use, you might look at the larger 500 lumen ones. I don't like that they take 3 AAA, but I treat them as disposable and keep a bunch around the house. I use rechargeable batteries ...
by inbox788
Thu Oct 02, 2014 12:54 am
 
Forum: Personal Consumer Issues
Topic: LED Flashlights
Replies: 28
Views: 1113

Re: Help me divorce my Stocks

The stocks are 1/3 of my taxable portfolio, and about 1/5 of my total portfolio I'm also averse to selling BRKB, but who knows what will happen when Buffet leaves I'm in the same boat. I've done calculations and answer isn't clear. Sometimes, I get little difference other times, I get substantial u...
by inbox788
Mon Sep 29, 2014 7:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me divorce my Stocks
Replies: 16
Views: 1523

Re: rebalancing conundrum/paradox/irony

When stocks are dropping you have to buy more stocks. Agree, but that's not what's happening here. Stocks continue to rise to all time record highs, but not fast enough to offset fixed income contributions/gains. Is my risk determined by the percentage of portfolio invested in risky assets, or by d...
by inbox788
Sun Sep 28, 2014 1:20 am
 
Forum: Investing - Theory, News & General
Topic: rebalancing conundrum/paradox/irony
Replies: 82
Views: 4574

Re: Too many houses?

Jack FFR1846 wrote:To me, it sounds like instead of a vacation home, he needs to work as a handy man and get paid for his time.

Some people call that a hobby.
by inbox788
Fri Sep 26, 2014 6:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Too many houses?
Replies: 23
Views: 3613

Re: EZ-Pass scam?

Do NOT click on these malware/scam emails. Besides downloading a virus, many of these sites track the email addresses, so you go from a random list of e-mail addresses to spam to a more selective list of e-mail addresses where a recipient is a person is foolish enough to click on links. Don't be sur...
by inbox788
Fri Sep 26, 2014 5:43 pm
 
Forum: Personal Consumer Issues
Topic: [phishing with fake] EZ-Pass [e-mail]
Replies: 15
Views: 1479

Re: S&P 500 guarantee without the annuity

You could buy downside protection, but at substantial cost. Right now, you could buy about 1 year LEAP/PUT for about 5%, but with volatility at record lows, chances are if we have a repeat of 2008, the cost may double or more. Your average return would have to outperform this constant drag from port...
by inbox788
Wed Sep 24, 2014 11:20 pm
 
Forum: Investing - Theory, News & General
Topic: S&P 500 guarantee without the annuity
Replies: 21
Views: 1845

Re: Bogleheads.org android / iphone app

I am browsing the site using a generic Android phone running 4.2.1 and it is fine for me. Usually when I browse "mobile" sites I end up using the "Desktop" version so I can see everything as they usually either rearrange it which is a work in process or eliminate large portions ...
by inbox788
Wed Sep 24, 2014 9:42 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads.org android / iphone app
Replies: 14
Views: 1109

Re: Slow iPad mini with iOS 8 upgrade

Is this the original iPad mini or the retina display? A5 vs A7 makes a difference. I'm hopeful some of the good reports are coming from original A5 owners, but I'm sure there's some confusion out there. I assume retina A7 models are running well.
by inbox788
Sat Sep 20, 2014 3:09 am
 
Forum: Personal Consumer Issues
Topic: Slow iPad mini with iOS 8 upgrade
Replies: 10
Views: 1442

Re: Sale of a home between boyfriend and girlfriend.

I would add up each of their contributions toward the purchase price of the house and its repairs, then add those amounts together for the sum total "invested" into the house. Whatever percentage of the total that each paid into the house, that's what percentage of the profit they should ...
by inbox788
Sat Sep 20, 2014 3:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Sale of a home between boyfriend and girlfriend.
Replies: 79
Views: 5550

Re: So when/where does Alibaba show up in a boglehead portfl

Same place as other companies like Zynga, Groupon, Potbelly, etc. Not saying Alibaba will go the same way, but the average of all these companies is often forgotten, similar to only looking at the biggest gainers in the SP500. http://finance.yahoo.com/q/bc?t=1y&s=PBPB&l=on&z=l&q=l&am...
by inbox788
Fri Sep 19, 2014 5:30 pm
 
Forum: Investing - Theory, News & General
Topic: So when/where does Alibaba show up in a boglehead portflio?
Replies: 2
Views: 395

Re: Who else hates choosing a car?

Hate choosing a car. Hate it. None is ever exactly what I want - I'd happily pay extra to get exactly what I want but it never seems to exist. I posted a question on bogleheads about choosing a new car, saying I'd decided to replace mine. FIVE YEARS LATER I finally replaced it and I'm still not ent...
by inbox788
Fri Sep 19, 2014 4:12 pm
 
Forum: Personal Consumer Issues
Topic: Who else hates choosing a car?
Replies: 95
Views: 8270

Re: Acura RDX - test drove it again and it's about off my li

Is the BMW X3 withing the budget for this discussion? I've considered tradeoffs between X3 and RDX. Price of fully loaded RDX is around entry X3. Acura has better reliability reputation long term than BMW. X3 wins with performance and luxury brand. Not luxury cars, but crossovers I've considered inc...
by inbox788
Thu Sep 18, 2014 9:51 pm
 
Forum: Personal Consumer Issues
Topic: Acura RDX - test drove it again and it's about off my list
Replies: 58
Views: 5260

Re: Who else hates choosing a car?

I currently drive a 2005 Honda Pilot. It was formerly the "family car", with 3 young children who didn't exactly keep the car squeaky clean (I tend to keep my car clean). ... How do you all handle this? I was in your situation 3 years ago, and I'm still suffering from analysis paralysis. ...
by inbox788
Thu Sep 18, 2014 3:28 pm
 
Forum: Personal Consumer Issues
Topic: Who else hates choosing a car?
Replies: 95
Views: 8270

Re: Safe Withdrawl Rate

BigJohn Thanks for your reply. You make a good point. My budget does include a fair amount of discretionary spending that could be eliminated (i.e. private country club membership and $20,000 plus per year for travel). What would your suggestions be to make certain we don't deplete our principal? W...
by inbox788
Thu Sep 18, 2014 1:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Safe Withdrawl Rate
Replies: 25
Views: 2385

Re: iOS 8 on iPad 2

I just updated my iPad 2 from iOS 6 to iOS 7 last week. I didn't want to be stuck in iOS 6 and didn't want to chance iOS 8 problems. iOS 7 on iPhone 4 initially was problematic, but later updates made it usable. I suspect that's the best to expect from iOS 8 on older machines like iPad 2, iPad mini ...
by inbox788
Wed Sep 17, 2014 6:08 pm
 
Forum: Personal Consumer Issues
Topic: iOS 8 on iPad 2
Replies: 4
Views: 1830

Re: Merrill Edge free trades - is the service worth it?

I think it's their way to get you in the door so they can sell you their other more profitable services.
by inbox788
Tue Sep 16, 2014 12:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge free trades - is the service worth it?
Replies: 23
Views: 1655

Re: fee reinvested dividends

AFAIK, it is. Taxes is a customer responsibility, so it's up to you and your accountant to make the determination. There may be specific situations where it's not, and the brokerage doesn't want to deal with it.
by inbox788
Tue Sep 16, 2014 12:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: fee reinvested dividends
Replies: 3
Views: 268

Re: Buying a bounce house for personal use?

The one you show is adequate for smaller kids and smaller parties. Reminds me I need to get rid of mine that I haven't used for several years now and it's just gathering dust in the garage. I got more than enough use to justify the price paid, but the kids started getting bored with it as they got o...
by inbox788
Tue Sep 16, 2014 12:09 pm
 
Forum: Personal Consumer Issues
Topic: Buying a bounce house for personal use?
Replies: 25
Views: 1730

Re: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350

I've not owned a Lexus, so don't really know much about the maintenance costs, except that I ran into a couple who had just purchased a new Acura RDX I was asking them about. They were former Lexus owners who liked their vehicles but were tired of the $80 oil changes and other expensive maintenance...
by inbox788
Mon Sep 15, 2014 3:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 63
Views: 4152

Re: Investing in Startup My Father Is Joining as Founder

He is only going to invest a little because his shares are worth so much more than any amount he would be willing to invest Depends on the relationship. Sounds like he's all business. I assume you're buying in expecting a big win like a lottery ticket. If the business fails, you and your dad are ou...
by inbox788
Mon Sep 15, 2014 2:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Investing in Startup My Father Is Joining as Founder
Replies: 16
Views: 1736

Re: New Laptop, need help

My current laptop of 5 years just gave me the blue screen of death. We were expecting this day to come so we are in the market for a new laptop. Neither my wife or I are tech savvy and really dont know what to look at when it comes to computers. We would basically use this computer for word/excel, ...
by inbox788
Mon Sep 15, 2014 2:03 pm
 
Forum: Personal Consumer Issues
Topic: New Laptop, need help
Replies: 33
Views: 2201

Re: Can You Build Your Retirement Portfolio Young, then Coas

Most professional jobs require a decade to get established, the first half in education/training and the next half gaining experience. Often you're into the 30's or later when the salaries peak/plateau. Many professional athletes can! Unfortunately, there are too many stories of the opportunity squa...
by inbox788
Mon Sep 15, 2014 6:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Can You Build Your Retirement Portfolio Young, then Coast?
Replies: 58
Views: 7360

Re: Car Advice: When to Replace?

From a financial perspective I agree with the Boglehead general advice to buy new or near new and drive it into the ground. But with all the safety advances, I really wonder if those who can afford a new car are being pennywise and poundfoolish. There may indeed come a plateau with advances in safe...
by inbox788
Sun Sep 14, 2014 3:18 pm
 
Forum: Personal Consumer Issues
Topic: Car Advice: When to Replace?
Replies: 37
Views: 2789

Re: Is my computer monitor going bad?

Sounds like bad capacitors, probably the power supply to the monitor. Try this. Turn off or unplug the monitor power. Turn on the computer and wait about 2 minutes to fully boot. Now turn on the monitor. Does the green light still do the flickering thing? If so, then likely monitor. If the monitor h...
by inbox788
Sun Sep 14, 2014 4:25 am
 
Forum: Personal Consumer Issues
Topic: Is my computer monitor going bad?
Replies: 12
Views: 748

Re: Investing $100

$20 in VBMFX, $64 in VTSMX and $16 in VGTSX

and keep doing this for every next $100 you get for a while until either you're in 6 or 7 digits, or retire.
by inbox788
Sat Sep 13, 2014 5:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing $100
Replies: 15
Views: 1836

Re: Need advice on which tablet to buy

Thanks for all the responses. In response to what is driving the need for a new device , nothing urgent, but: 1. Ipad won't run ios7 which many apps I like seem to need 2. Chrome browser and other apps frequently crash on current ios (not sure which one, i think maybe 5.1) But, maybe I should just ...
by inbox788
Fri Sep 12, 2014 11:45 pm
 
Forum: Personal Consumer Issues
Topic: Need advice on which tablet to buy
Replies: 44
Views: 2584

Re: Need advice on which tablet to buy

What is driving the need for a new tablet? My question exactly. The original iPad still does many of the things you describe quite well, especially compared to low end 7" tablets. I'm a fan of iPads, and have yet to find a better value for my uses. As a point of comparison, let me throw these ...
by inbox788
Fri Sep 12, 2014 4:53 pm
 
Forum: Personal Consumer Issues
Topic: Need advice on which tablet to buy
Replies: 44
Views: 2584

Re: Republic Wireless service in L.A. County area

My experience is San Diego, Orange County, and some LA. Service is good. Sometimes the 3G is very slow, but not often. I do outside sales in OC, so I use the navigation constantly and rarely have blips. I can't speak to the more Northern parts of LA, but up into Samo I have had few problems. Note: ...
by inbox788
Wed Sep 10, 2014 8:46 pm
 
Forum: Personal Consumer Issues
Topic: Republic Wireless service in L.A. County area
Replies: 7
Views: 694

Re: Why did REITs drop today?

Interest rates rose somewhat, and REITs generally fall when that happens. That makes sense. Sometimes, though not others. But probably does in this instance. http://finance.yahoo.com/q/bc?t=1y&s=%5ETNX&l=on&z=l&q=l&c=vnq&ql=1 http://www.investopedia.com/articles/04/110304.asp
by inbox788
Wed Sep 10, 2014 8:35 pm
 
Forum: Investing - Theory, News & General
Topic: Why did REITs drop today?
Replies: 26
Views: 4115

Re: Citi: Just use leverage for 10% bond returns

Pay attention to exactly what the analyst says and what the reporter says. Analyst is simply providing his analysis on historical performance and doing some projection calculations. The reporter is not clearly reporting, and any use or misuse of the information a reader infers from this analysis is ...
by inbox788
Wed Sep 10, 2014 2:42 pm
 
Forum: Investing - Theory, News & General
Topic: Citi: Just use leverage for 10% bond returns
Replies: 28
Views: 3060

Re: Repair/maintain the BMW or get a new car?

I'm in the same boat, with an older car, low mileage, but expensive maintenance due. Just got a $300 repair to give me a nudge towards getting rid of it, but I think I can fix it myself for less than half that. Not having a monthly payment (or equivalent expense in depreciation) is still very appeal...
by inbox788
Tue Sep 09, 2014 9:06 pm
 
Forum: Personal Consumer Issues
Topic: Repair/maintain the BMW or get a new car?
Replies: 24
Views: 2187

Re: Poll: Which iPhone 6?

Neither, my iPhone 5 will have to die before I get a new phone. That should be quite a while. Then I will see what is available. Just upgraded an iPhone 4 to latest iOS 7.1.2. It's still quite usable. You might have to wait a while, about 2 years after the iPhone 4 croaks...or you could trade up be...
by inbox788
Tue Sep 09, 2014 5:46 pm
 
Forum: Personal Consumer Issues
Topic: Poll: Which iPhone 6?
Replies: 41
Views: 3031

Re: Poll: Which iPhone 6?

I don't care for the bigger size (weight, thickness) of the plus, but I'd like the longer battery life and optical image stabilization in the camera. Leaning towards the smaller of the two right now.
by inbox788
Tue Sep 09, 2014 4:45 pm
 
Forum: Personal Consumer Issues
Topic: Poll: Which iPhone 6?
Replies: 41
Views: 3031

Re: 50-50 Wellesley-Wellington or Total Bond-Total Stock

As I understand it Wellesley has a neutral 35/65 equity/fixed income allocation while Wellington has a neutral 65/35 equity/fixed income allocation. How would an investor who would like a neutral 50/50 equity/fixed income allocation, in the Wellesley/Wellington investment style, go about constructi...
by inbox788
Sun Sep 07, 2014 2:01 pm
 
Forum: Investing - Theory, News & General
Topic: 50-50 Wellesley-Wellington or Total Bond-Total Stock
Replies: 68
Views: 5413

Re: Best use of tax-deferred space

Perhaps you should. See this somewhat contrarian blog post from white coat investor: http://whitecoatinvestor.com/asset-location-bonds-go-in-taxable/ I have just started studying this, and one thing that was confusing me was this so called "contrarian" view vs. the wiki. http://www.bogleh...
by inbox788
Sun Sep 07, 2014 12:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best use of tax-deferred space
Replies: 14
Views: 1386

Re: What do you measure your AA against?

My ira/roth AA (3Fund): Total Bonds = Age - 10 total Intl = 25% total market = rest I measure my AA against the 3 common indexes: Dow, S&P500, Nasdaq I know that's comparing apples to oranges since the dow/S&p500 are large caps, and the Nasdaq is techs. and none have Bonds or Intl. but I ha...
by inbox788
Sun Sep 07, 2014 11:31 am
 
Forum: Personal Finance (Not Investing)
Topic: What do you measure your AA against?
Replies: 20
Views: 1120

Re: [Helping someone] think like a rich person

Here's something to ponder. Waste is GOOD! Rich people can afford to waste money. I don't mean frivolously, but purposefully. Like things discussed here: What is worth spending more money on? http://www.bogleheads.org/forum/viewtopic.php?t=74130 Your time is limited so trade money for time and bette...
by inbox788
Sun Sep 07, 2014 1:32 am
 
Forum: Personal Finance (Not Investing)
Topic: [Helping someone] think like a rich person
Replies: 40
Views: 4173

Re: POLL : SP500 next : 1900 or 2200?

I don't know but I do care. I don't know but I do care - it could go down to 1900, it could go up to 2100 followed by 2200, only time will tell. Thanks for reading. What's the difference between ignorance and indifference? BTW, I may have added noise to voting, since I think I voted wrong. Is there...
by inbox788
Sat Sep 06, 2014 10:15 pm
 
Forum: Investing - Theory, News & General
Topic: POLL : SP500 next : 1900 or 2200?
Replies: 14
Views: 947

Re: Vanguard Lost $50k

In the future, consider making non-identical transfer amounts so you can keep track of the transactions yourself. Right now, you don't know which transaction is having a problem. Sometime I add a penny or dollar to a transaction as a code so I can track things. $49,999 and $50,001 ends up the same i...
by inbox788
Sat Sep 06, 2014 10:01 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard Lost $50k
Replies: 103
Views: 10755

Re: 50-50 Wellesley-Wellington or Total Bond-Total Stock

Wellesley -35% FTSE High Dividend Yield Index. I usually associate FTSE with the LSE, but this is not it. Is this the one? http://www.ftse.com/Analytics/factsheets/Home/DownloadConstituentsWeights/?indexdetails=AWHDY There is a significant international component to this one that I'm not seeing in ...
by inbox788
Sat Sep 06, 2014 9:51 pm
 
Forum: Investing - Theory, News & General
Topic: 50-50 Wellesley-Wellington or Total Bond-Total Stock
Replies: 68
Views: 5413

Re: 50-50 Wellesley-Wellington or Total Bond-Total Stock

Pkcrafter makes a good point about the W's being so similar.I had actually thought about that.They are made up of the same or very similar stocks and bonds in different proportions.If I used both I was going to put Wellington in my our Roths because we will use those last if at all.I figure our Rot...
by inbox788
Sat Sep 06, 2014 8:28 pm
 
Forum: Investing - Theory, News & General
Topic: 50-50 Wellesley-Wellington or Total Bond-Total Stock
Replies: 68
Views: 5413

Re: Graduating Debt-Free, or with Elite College Degree?

I would simply note that USA universities are so highly rated in the world that a very wide range of Schools have to be considered intellectually "elite" All rankings are suspect but if you claim some schools are elite you do have to rank them See for example http://www.shanghairanking.co...
by inbox788
Sat Sep 06, 2014 4:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Graduating Debt-Free, or with Elite College Degree?
Replies: 92
Views: 4873

Re: Own individual stocks? Advisor recommends 20% in blue ch

Dividend stocks provide increasing income year after year Really? For the SP500, it doesn't look that way between 2008-2012. Also, dipped between 1999-2004. http://www.multpl.com/s-p-500-dividend/table " According to Fidelity, on average during the past two decades, 9 percent of stocks with th...
by inbox788
Sat Sep 06, 2014 2:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Own individual stocks? Advisor recommends 20% in blue chips?
Replies: 38
Views: 2663

Re: need help with basic investing math

Yes, a little of everything. Your situation is probably worse than the great recession an even the great depression. Not that worst case scenarios couldn't happen again, but it hasn't happened that often that badly, and we don't expect it to. Just think, if you have cash and cash in the market, how ...
by inbox788
Sat Sep 06, 2014 12:38 pm
 
Forum: Investing - Theory, News & General
Topic: need help with basic investing math
Replies: 18
Views: 1157

Re: 50-50 Wellesley-Wellington or Total Bond-Total Stock

I did say slightly. In absolute terms, not a huge difference, but those expense fees are 3-4 times these: US SCHB 0.04% Bond SCHZ 0.06% Int SCHF 0.08% I think Schwab currently has the lowest cost 3 fund portfolio available. Net difference, if all performance is equal is about 1% over a decade. If I ...
by inbox788
Sat Sep 06, 2014 3:01 am
 
Forum: Investing - Theory, News & General
Topic: 50-50 Wellesley-Wellington or Total Bond-Total Stock
Replies: 68
Views: 5413

Re: 50-50 Wellesley-Wellington or Total Bond-Total Stock

You can't go wrong with any of these, but I would avoid both because of the slightly higher expenses and go with a 3 fund myself.
by inbox788
Fri Sep 05, 2014 11:15 pm
 
Forum: Investing - Theory, News & General
Topic: 50-50 Wellesley-Wellington or Total Bond-Total Stock
Replies: 68
Views: 5413

Re: "Student loan debt: How much is too much?"

If you have to ask, it's probably too much. But if you reach a point beyond too much, then you might have to resort to these extreme and not so extreme solutions. Ironically, if have too much debt and choose these solutions, you'd have an incentive to get further into debt (i.e. take another semeste...
by inbox788
Fri Sep 05, 2014 6:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Student loan debt: How much is too much?"
Replies: 6
Views: 1089

Re: So, when does a market timer get back in?

There are 2 scenarios when these market timers get back that I can identify. The first is a "pull back". The commentators are always talking about stocks that are too richly valued, and they'd own them if they were only 5% cheaper, so they wait for the stock to fall a bit to buy. Never min...
by inbox788
Fri Sep 05, 2014 6:42 pm
 
Forum: Investing - Theory, News & General
Topic: So, when does a market timer get back in?
Replies: 54
Views: 5534
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