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Re: Most/Least Boglehead 2014 Activity?

Most: Implemented a factor based portfolio and shifted some value funds to Rafi indexes. Kept rebalancing and kept AA in VGPMX (was pretty painful...).
Least: Considered RSX (a Russia ETF) as an EM value fund and put part of my EM allocation into it.
by michaelsieg
Sun Dec 14, 2014 11:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Most/Least Boglehead 2014 Activity?
Replies: 71
Views: 5937

Re: Suddenly Retired, do I have enough?

I am no expert in retirement planning and can't give you a quick answer, but one good thing I see is the relatively high income of 100k/yr in pensions/annuities. Are those with COLA? A simple way to look at it is that you have about 7k (after taxes) fixed monthly income from pension/annuities. So yo...
by michaelsieg
Thu Dec 04, 2014 11:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Suddenly Retired, do I have enough?
Replies: 42
Views: 6787

Re: Strong Dollar Clobbers Returns of Foreign-Stock Funds

You could simply assume PPP will revert to equality. It's probably easy to get PPP data online; it was easy enough in the late 1990s but I haven't tried lately. Lazyday I agree that this is what a free exchange market with minor government interventions would result in. But there are significant sh...
by michaelsieg
Thu Dec 04, 2014 11:00 pm
 
Forum: Investing - Theory, News & General
Topic: Strong Dollar Clobbers Returns of Foreign-Stock Funds
Replies: 26
Views: 2655

Re: Strong Dollar Clobbers Returns of Foreign-Stock Funds

Can you explain why you do not consider these not a buying opportunity? Not to answer for Madbrain, but I also would not time my investments based on currency exchange rates. If you look at the influence of exchange rates on international returns, in 5 of the 10 years listed by simplgift it made a ...
by michaelsieg
Wed Dec 03, 2014 11:05 pm
 
Forum: Investing - Theory, News & General
Topic: Strong Dollar Clobbers Returns of Foreign-Stock Funds
Replies: 26
Views: 2655

Re: Took the Plunge into the Boglehead Allocation

You are doing great. One thing you might consider adding to your IPS is your savings plan. You are young but you will notice that lifestyle creeps up with your income very easily and discipline with your savings rate over time matters as much (if not more) than what investments you choose. Good luck...
by michaelsieg
Tue Dec 02, 2014 11:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Took the Plunge into the Boglehead Allocation
Replies: 38
Views: 2869

Re: Should 529s be counted part of our net worth?

letsgobobby wrote:
Hope that helps.

Yes it did! Thanks so much!
by michaelsieg
Sat Nov 29, 2014 8:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should 529s be counted part of our net worth?
Replies: 34
Views: 2548

Re: Should 529s be counted part of our net worth?

We hold 'old' assets (contributed before 2013) and 'newer' assets (contributed 2013 onward) since the 'old' ones had appreciated so much. Letsgobobby, What is the advantage of doing this if you intend to use the money for your kids' college? Our 529 have the same "problem" (nice problem t...
by michaelsieg
Sat Nov 29, 2014 6:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should 529s be counted part of our net worth?
Replies: 34
Views: 2548

Re: An alternative to alternative investments [QSPIX]

Tramper Al wrote Now, I did not actually spend $2550 and buy it - I'll only go so far to be helpful to you guys. I cancelled the order before execution at 4pm - you can do that at every brokerage that does not have Vanguard in its name. Al, I did the same with TD Ameritrade and it took my order, but...
by michaelsieg
Fri Nov 28, 2014 5:23 pm
 
Forum: Investing - Theory, News & General
Topic: An alternative to alternative investments [QSPIX]
Replies: 201
Views: 18866

Re: An alternative to alternative investments [QSPIX]

Thanks Larry and Robert for all your insightful comments.
Happy Thanksgivings everyone!
Michael
by michaelsieg
Thu Nov 27, 2014 2:33 pm
 
Forum: Investing - Theory, News & General
Topic: An alternative to alternative investments [QSPIX]
Replies: 201
Views: 18866

Re: An alternative to alternative investments [QSPIX]

Ketawa and oneleaf,
I was not able to purchase the N shares at TDA today - so I called them to find out about the minimum. The lady told me that they have a memo from this January that sets the minimum investment at 1M - she was not sure, what it was before.
by michaelsieg
Wed Nov 26, 2014 10:49 pm
 
Forum: Investing - Theory, News & General
Topic: An alternative to alternative investments [QSPIX]
Replies: 201
Views: 18866

Re: An alternative to alternative investments [QSPIX]

TDA doesn't seem to offer all the AQR funds. Through my IRA, QSPIX specifically says "Not Available through TD Ameritrade" and QSPNX has a $1M minimum investment. It seems like Fidelity is the only broker where they are available to retail investors. Thanks Ketawa, I placed an order for Q...
by michaelsieg
Wed Nov 26, 2014 12:04 am
 
Forum: Investing - Theory, News & General
Topic: An alternative to alternative investments [QSPIX]
Replies: 201
Views: 18866

Re: Girlfriend with a LOT of Student debt.

Most important things have been said - I think you should enjoy your time with her - most good things are probably free - and don't think about marriage for now. Give her time to sort her finances out, if she can't or is unwilling/unable, then make sure you don't marry her. If in a few years you sti...
by michaelsieg
Tue Nov 25, 2014 11:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Girlfriend with a LOT of Student debt.
Replies: 166
Views: 13611

Re: An alternative to alternative investments [QSPIX]

Don't know if this helpful, but today I placed an order with my TD Ameritrade brokerage account that is linked to my 403 plan. The order was for over 10k but it got cancelled - will call tomorrow and find out why. Probably with some TDA accounts, the N fund (QSPNX) is the only option for a "sma...
by michaelsieg
Tue Nov 25, 2014 11:33 pm
 
Forum: Investing - Theory, News & General
Topic: An alternative to alternative investments [QSPIX]
Replies: 201
Views: 18866

Re: Thinking about retiring next year

You're used to having $102k and will have some college expenses that are new. Sounds like you'd have $55k + $18k + whatever you make part time. If you can make $30k part time, that gets you even, before college costs. I think these numbers look about right to me and if you estimate the amount of ca...
by michaelsieg
Fri Nov 21, 2014 11:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thinking about retiring next year
Replies: 16
Views: 2190

Re: Bogleheads, tell me about your 40's?

For me I managed to complicate our lives more in the 30's, simplify our lives now in our mid 40's. I would say it tends to follow the kids age track more than anything I think you are right, ours are still fairly young (elementary school) and basically they took over my 40s - wouldn't want to miss ...
by michaelsieg
Wed Nov 19, 2014 10:36 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 103
Views: 17115

Re: Bogleheads, tell me about your 40's?

Your 40s are not as good as your 30s.

Well said...a lot of things seem harder and we managed to complicate our lives more than to simplify...things seemed easier in my 30s.
by michaelsieg
Wed Nov 19, 2014 4:53 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 103
Views: 17115

Re: How to be a Boglehead in Germany

Thanks Troy for your input. I lived for 7 years in Germany, but coming from Switzerland, I always did my brokerage/banking using my Swiss bank. So for me and living in Germany, buying VG ETFs really happened with the click of a mouse. I trade very infrequently, so the higher trading fees if you buy ...
by michaelsieg
Sun Nov 09, 2014 12:49 am
 
Forum: Investing - Theory, News & General
Topic: How to be a Boglehead in Germany
Replies: 14
Views: 3087

Re: VGPMX: anyone contrarian enough to buy it?

Placed the order to rebalance late Friday - with my luck it will be up 5% on monday....
by michaelsieg
Sun Nov 02, 2014 8:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: VGPMX: anyone contrarian enough to buy it?
Replies: 79
Views: 10400

Re: A Returns Spreadsheet for Bogleheads

Thanks for posting this - I want to formally calculate my own return (usually just use the Morningstar number at the end of the year without checking ) and always have been too lazy to do it. So your spreadsheet will help - thanks for making it available to us.
Michael
by michaelsieg
Sun Nov 02, 2014 8:28 pm
 
Forum: Investing - Theory, News & General
Topic: A Returns Spreadsheet for Bogleheads
Replies: 33
Views: 4215

Re: VGPMX: anyone contrarian enough to buy it?

At least its only 5.5% of the portfolio.

Similar % range here- thanks for keeping me to stick to my plan!
by michaelsieg
Thu Oct 30, 2014 10:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: VGPMX: anyone contrarian enough to buy it?
Replies: 79
Views: 10400

Re: VGPMX: anyone contrarian enough to buy it?

I hit the band and should rebalance into it now, but will wait a bit...at least sleep over it...funny how I tend to doubt my AA (that I wrote in my IPS) when asset classes do poorly.
by michaelsieg
Thu Oct 30, 2014 7:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: VGPMX: anyone contrarian enough to buy it?
Replies: 79
Views: 10400

Re: Help with a large business decision

I guess my biggest fear is I just am having my best year ever and I would hate to sink the fruits of my labor into this upgrade and then have business go bad and lose it all. southwest_stacker But the risk for that happening seems low - see if you buy this equipment outright, you are not leveraged ...
by michaelsieg
Mon Sep 15, 2014 10:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with a large business decision [capital expenditure]
Replies: 36
Views: 1436

Re: Help with a large business decision

You mention that you could do the work in half the time with the new equipment - so the question I would ask is: What the limiting factor to do more business is in your situation? - are you currently limited by the time for each project or do you have downtime between projects and the project volume...
by michaelsieg
Mon Sep 15, 2014 9:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with a large business decision [capital expenditure]
Replies: 36
Views: 1436

Re: A 'really good book' you did NOT enjoy

The most painful 'good" book I remember reading was one hundred years of solitude, we had to read it in school and for some reason it was very popular...may be I was too young back then, but I have no intention to look into it again.
by michaelsieg
Mon Sep 08, 2014 11:00 pm
 
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 229
Views: 12173

Re: Anyone familiar with Switzerland?

I grew up in Bern, you will like it, even though it is not as fast paced such as Zuerich or Basel. If you like to hike, go in the Bernese mountains, you should consider going to Grindelwald or Muerren. (great hikes in those areas) and consider taking the train up to the Jungfraujoch. Interlaken, abo...
by michaelsieg
Wed Sep 03, 2014 10:55 am
 
Forum: Personal Consumer Issues
Topic: Anyone familiar with Switzerland?
Replies: 14
Views: 1092

Re: Ideas for thanking a doctor

Just enjoyed a bottle of a nice burgundy wine with our family tonight - a physician colleague gave it to me after I fixed his torn aorta on my birthday this winter - him doing well and being back to work was probably the best birthday gift I have gotten in a long time...but I agree, a letter or a ca...
by michaelsieg
Sat Aug 30, 2014 10:55 pm
 
Forum: Personal Consumer Issues
Topic: Ideas for thanking a doctor
Replies: 75
Views: 5574

Re: Beat The Street's Permanent Portfolio

Thanks for posting!
I wonder how the portfolio would look with intermediate treasuries or an intermediate treasury fund...the term risk with current interest rates just seems high to me...(I know, they might stay low for a very long time and nobody knows...)
by michaelsieg
Thu Aug 14, 2014 1:59 pm
 
Forum: Investing - Theory, News & General
Topic: Beat The Street's Permanent Portfolio
Replies: 36
Views: 3391

Re: Sources for Discovering Dishwasher Quality

We bought a Kenmore elite that was ranking high on CR last year on black Friday, it was something like $600 off. Installed it myself with a friend and we have been extremely happy with it. Clean dishes and you barely can hear that it is on. One disadvantage of these new dishwashers though it that th...
by michaelsieg
Sun Aug 10, 2014 10:28 pm
 
Forum: Personal Consumer Issues
Topic: Sources for Discovering Dishwasher Quality
Replies: 36
Views: 2094

Re: Prove adding SV will lower the risk, given the same E(r)

"adding SV and more bonds to market/bonds portfolio will increase the expected return at the same risk. Can you prove the above statement using your risk definition in Q1? "Note 1: The above statement says "will increase" not "has increased. Not sure if this was said before...
by michaelsieg
Thu Jul 31, 2014 10:46 pm
 
Forum: Investing - Theory, News & General
Topic: Prove adding SV will lower the risk, given the same E(r)
Replies: 79
Views: 4287

Re: Goodbye and Good Luck!

Thank you - your insightful posts will be missed
Best wishes
Michael
by michaelsieg
Tue Jul 29, 2014 7:59 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Goodbye and Good Luck!
Replies: 12
Views: 2743

Re: favorite bogleheads posts?

Matjen wrote: Robert T.'s monster post "Collected Thoughts" is my favorite post of all time. Even if you prefer to just go with a 3-Fund or with LIfeStrategy rather than any type of tilt this is still a great resource. Same here, there are great discussions and much to learn (for me) on th...
by michaelsieg
Tue Jul 29, 2014 7:11 am
 
Forum: Local Chapters and Bogleheads Community
Topic: favorite bogleheads posts?
Replies: 53
Views: 5756

Re: Do any boggleheads invest in individual companies?

I did buy with a friend into a medical startup (I liked the concept to increase patient safety and the idea and felt there would be a new market for their products). It was a a small fraction of my portfolio in 2007, before I knew about the bogleheads or diehards. I considered it play money and gave...
by michaelsieg
Mon Jul 28, 2014 11:29 pm
 
Forum: Investing - Theory, News & General
Topic: Do any boggleheads invest in individual companies?
Replies: 95
Views: 6185

Re: If Argentina Defaults

Even if Argentina was going to default, your conclusion regarding buying Argentinian currency is not wise. The most commonly mechanism to escape default for a government that can't pay it's debt is to print more of it's currency and inflate the debt away. (That was Greece's problem, they were tied t...
by michaelsieg
Tue Jul 22, 2014 10:09 pm
 
Forum: Investing - Theory, News & General
Topic: If Argentina Defaults
Replies: 21
Views: 2188

Re: If You Can Free Kindle/NOT Free Paperback Available

Thanks for the free download today!
My wife just downloaded it on her kindle, it will be the first book I read on a kindle. Perfect for a nice beach day at Cape Cod.
by michaelsieg
Sun Jul 20, 2014 7:05 am
 
Forum: Investing - Theory, News & General
Topic: If You Can Free Kindle/NOT Free Paperback Available
Replies: 9
Views: 1851

Re: Electric Bike

They are a huge growth segment in the European bike market. Electric bikes are more commonly used for daily commute and many people use them. The biketec flyer is a popular model in Switzerland - check the pictures out on the website, you could barely tell these are electrical bikes. http://www.flye...
by michaelsieg
Thu Jul 10, 2014 10:31 pm
 
Forum: Personal Consumer Issues
Topic: Electric Bike
Replies: 18
Views: 2380

Re: Future plan with recent lung cancer diagnosis

I wish you all the best, I hope the work-up shows no distant disease and a locally resectable stage. I hope all goes well.
by michaelsieg
Thu Jul 10, 2014 1:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Future plan with recent lung cancer diagnosis
Replies: 25
Views: 3975

Re: [Housing] Are we in a position to buy DC-area real estat

I also would hold off for now. Once/if you have kids that decision will change, as you will want to have a home in a good school district once your kid is old enough to go to kindergarden. Most homes on the MD or VA side in good school districts will cost at least 600k - so I would continue to save ...
by michaelsieg
Fri Jul 04, 2014 10:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Housing] Are we in a position to buy DC-area real estate?
Replies: 9
Views: 836

Re: How to admit/should I admit alcohol problem to employer

I also would say be careful with some of the advice. Assuming that you have a leadership position within your company, it could be very harmful if people at work would know about your problem. Your problem is very common in Europe, where "high functioning alcoholism" is widespread. People ...
by michaelsieg
Fri Jul 04, 2014 8:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to admit/should I admit alcohol problem to employer
Replies: 111
Views: 14597

Re: Pay down (not off) mortgage?

Because of compound interest, an investment such as a muni fund works the same way. Of course you are right Grabiner. Sorry for my late response, work was just so busy. We are in a slightly different situation than the poster, as we are planning to stay in the house and pay it off. So when I pay of...
by michaelsieg
Fri Jul 04, 2014 7:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pay down (not off) mortgage?
Replies: 53
Views: 5387

Re: Any Bogleheads in Dubai?

Thanks Kayanco,
My wife did some reading about living there as a western women - I don't think she could accept many of the local rules anyways....so like anything else, finances are just one aspect of life's complex decisions....
by michaelsieg
Wed Jul 02, 2014 7:35 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Any Bogleheads in Dubai?
Replies: 24
Views: 2785

Re: The Truth Hurts: CNBC

How does one accumulate $5 million without knowing how to save and budget?

It was probably a good divorce lawyer who "accumulated" it for her :happy
by michaelsieg
Tue Jul 01, 2014 11:03 pm
 
Forum: Investing - Theory, News & General
Topic: The Truth Hurts: CNBC
Replies: 17
Views: 3575

Re: Any Bogleheads in Dubai?

Good points - my wife and kids are US citizens - I don't think I am allowed to keep the green card if I live abroad, I think I have to turn it in. But you are right, the process of getting it took a while, I was hoping the second time around would be quicker. Not sure how the years with it would cou...
by michaelsieg
Tue Jul 01, 2014 9:43 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Any Bogleheads in Dubai?
Replies: 24
Views: 2785

Re: Pay down (not off) mortgage?

I struggle with the same decision - running out of tax sheltered space for my bonds and try to decide if I should pay down my mortgage vs. buy a muni bond fund. One advantage that paying down a mortgage has (if you have enough liquidity) is what I think of as "upfront compounding" - it see...
by michaelsieg
Tue Jul 01, 2014 9:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pay down (not off) mortgage?
Replies: 53
Views: 5387

Re: Any Bogleheads in Dubai?

Sorry, didn't want to kill the thread. But if I end up going there, I will PM you and we will have a local boglehead meeting :happy
by michaelsieg
Tue Jul 01, 2014 8:22 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Any Bogleheads in Dubai?
Replies: 24
Views: 2785

Re: Hitting "The Number" too early

Congratulations on being there (or almost there) at such a young age! How did you calculate/estimate your number? Was it annal expenses x 25 or more conservatively x35? Or do you use a more elaborate method to estimate the savings target? Just curious, as I struggle myself trying to set a clear targ...
by michaelsieg
Tue Jul 01, 2014 8:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hitting "The Number" too early
Replies: 49
Views: 5606

Re: New Attending Physician Tomorrow Advice?

How was your first day?
by michaelsieg
Tue Jul 01, 2014 12:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Attending Physician Tomorrow Advice?
Replies: 17
Views: 2309

Re: New Attending Physician Tomorrow Advice?

Remember that it is about lifelong learning. Always say please and thank you. Listen to your patients and staff. Ask for help of your partners/collegues if you have a difficult problem to solve. Document your thoughts about a problem and why you choose to do what you decide to do. Especially if situ...
by michaelsieg
Mon Jun 30, 2014 4:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Attending Physician Tomorrow Advice?
Replies: 17
Views: 2309

Re: Any Bogleheads in Dubai?

I currently have an offer to take a position in a neighboring country, also no income tax. Many people there go to Dubai for weekend trips. I have a green card and currently live in the US. So I could turn my green card in and then really have tax free income for a few years - but money is not every...
by michaelsieg
Mon Jun 30, 2014 9:39 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Any Bogleheads in Dubai?
Replies: 24
Views: 2785

Re: My investments are a disaster

Again, I suggest a cash buffer and the rest in Target Retirement 2010 or Target Retirement 2015 That is certainly a good option, but I am not sure if they even need to take that much risk. The 2010 Target retirement fund has 38.8% Stocks, the target 2015 has 52% equity. It might be more prudent, gi...
by michaelsieg
Fri Jun 27, 2014 10:51 am
 
Forum: Investing - Help with Personal Investments
Topic: My investments are a disaster
Replies: 55
Views: 6478

Re: My investments are a disaster

If your brain is telling you that you're not comfortable with investing with the markets at the current levels, why rush into a portfolio heavily weighted in stocks? Once you have won the game, I would also err on the conservative side. I didn't see how much the stable value fund of your husband's ...
by michaelsieg
Thu Jun 26, 2014 11:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: My investments are a disaster
Replies: 55
Views: 6478
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