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Re: How to encrypt files for backup?

I use Keka with my mac, works fine if I email files to windows users. it also creastes a zip file that you can encrypt if you wish.
by michaelsieg
Wed Apr 09, 2014 11:12 pm
 
Forum: Personal Consumer Issues
Topic: How to encrypt files for backup?
Replies: 22
Views: 1226

Re: HELOC

mhc is right, the devil is in the details. I have a HELOC for about 3 months expenses for an APR of 2.99%, I got the line of credit about 2-3 years ago. Balance is currently 0. It is with the credit union where I have my mortgage and if I need funds, I can simply click on it and transfer the money t...
by michaelsieg
Mon Apr 07, 2014 11:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: HELOC
Replies: 11
Views: 829

Re: Implementing David Allen's Getting Things Done (GTD)

There is an iPhone app that is based on GTD, it is called Things. I like it, they initially used to advertise, that they use the GTD organizing system, but I guess they never got a license to use this system and refer to it. So they took all references to GTD off their website. Still, it is a good o...
by michaelsieg
Sun Apr 06, 2014 9:04 pm
 
Forum: Personal Consumer Issues
Topic: Implementing David Allen's Getting Things Done (GTD)
Replies: 46
Views: 4353

Re: Options for the medical grad but no residency

Is it possible that things are different now than they were 18 years ago? I don't think so. What wamfan describes is different than what the OP describes about his wife. Wamfan decided not to do clinical medicine while he was in med school, had a strong research interest and made things happen, pro...
by michaelsieg
Fri Apr 04, 2014 9:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Options for the medical grad but no residency
Replies: 95
Views: 7171

Re: Options for the medical grad but no residency

I think it is important to really understand her decision why she does not want to do a residency. The reasons listed don't make much sense to me. Key is to find the real reason, because suggestions for her future/career choices depend on the rationale (of irrationale) of her decision. Make sure she...
by michaelsieg
Thu Apr 03, 2014 12:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Options for the medical grad but no residency
Replies: 95
Views: 7171

Re: Do You Need Commodities in Your Portfolio?

Berntson, I like this chart, but I don't understand something about it. Most European countries issued their basic currency at some point in gold coins, on the legend of this chart it says that it started in the mid 1663. Since once you have coins in gold, how can the price then fluctuate? Does anyo...
by michaelsieg
Wed Apr 02, 2014 9:03 pm
 
Forum: Investing - Theory, News & General
Topic: Do You Need Commodities in Your Portfolio?
Replies: 23
Views: 1341

Re: Bailing On Pimco Bond?

I have it available in my 403b plan and I thought it was a good bond option compared to a previous employer's options. But we also have a 3% fixed income stable value fund, so I am currently putting my bond AA in that one, as I have no interest rate risk. But I don't think it is a bad bond fund and ...
by michaelsieg
Wed Apr 02, 2014 7:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bailing On Pimco Bond?
Replies: 19
Views: 1978

Re: Need help with time share offer

Watty wrote $50k * 52 weeks would make that a $2.6 million dollar condo/ Even allowing for less prime weeks you are likely talking about at least a $1.5 million dollar condo. Did it really look like a $1.5+ million dollar condo? That is a good point - the sad part of the story is that I like to look...
by michaelsieg
Mon Mar 31, 2014 8:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need help with time share offer
Replies: 22
Views: 1538

Re: Need help with time share offer

Thank you all for your replies. They are brand new luxury apartments and I don't think there is a secondary market for them at this point. It would be permanent equity ownership. Thanks for all the links, I will so some reading after skiing today, but we decided not to go for it (sleeping over somet...
by michaelsieg
Mon Mar 31, 2014 8:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Need help with time share offer
Replies: 22
Views: 1538

Need help with time share offer

I wanted to get the opinion of the other bogleheads about an offer we got today. We are on a ski vacation and it was a heavy rain and snowy day here today, and after being outside for a few hours we went to one of these Hilton time share sales events here just outside Park City ,UT. They gave us 2 d...
by michaelsieg
Mon Mar 31, 2014 1:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Need help with time share offer
Replies: 22
Views: 1538

Re: 2014 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Thanks Taylor - so true! She might listen to your point more than mine - Let me show her your post in the morning
by michaelsieg
Sat Mar 22, 2014 11:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: 2014 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 84
Views: 10944

Re: 2014 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Our 15th year wedding anniversary is during the conference - I am still trying to convince my wife that it would be great to attend, unfortunately she is thinking of more romantic getaways ....I am still trying to change her mind - I really enjoyed last years and I think she would have a good time t...
by michaelsieg
Thu Mar 20, 2014 10:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: 2014 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 84
Views: 10944

Re: Anti-virus for Mac?

Kerplunk wrote I stand by my statement. You do not need antivirus software if you are using the latest version of OS X. Funny, this thread is being discussed now. I kind of felt the same way too until yesterday, and I am running the newest Os X on my mac. But my MacBook Pro 2013 was getting slow ov...
by michaelsieg
Mon Mar 10, 2014 8:02 pm
 
Forum: Personal Consumer Issues
Topic: Anti-virus for Mac?
Replies: 80
Views: 3586

Re: Want to buy but can't find the "right" vehicle - what to

Browser, I was looking at SUVs a few years ago and then went "out of the box" and ended up getting a Honda Ridgeline pick-up truck. I love that thing, it handles like a car, has 4x4 and pretty much all the amenities that you have in a Pilot, and with the extended cabin the whole family wit...
by michaelsieg
Wed Mar 05, 2014 10:18 pm
 
Forum: Personal Consumer Issues
Topic: Want to buy but can't find the "right" vehicle - what to do?
Replies: 74
Views: 3405

Re: Rebalancing template/spreadsheet

SSSS - thanks a lot for posting the link, just downloaded it.
by michaelsieg
Wed Mar 05, 2014 9:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing template/spreadsheet
Replies: 12
Views: 1217

Re: Expected Stock Returns around the Globe

Thanks Richard, I agree it makes sense to look at different scenarios - believe me I am more pessimistic than most posters. What I have been doing is using the method that Robert T described in one of his older threads, he used Bodie's formula, assumed a SD of 14, added an annual savings rate and wi...
by michaelsieg
Wed Mar 05, 2014 9:39 pm
 
Forum: Investing - Theory, News & General
Topic: Expected Stock Returns around the Globe
Replies: 11
Views: 1247

Re: Rebalancing template/spreadsheet

SSSS - I like your rebalancing sheet a lot, it has a nice look to it and I hold almost the same asset classes - I saved a copy of the image you posted and will try to get it to work on an Excel file...the new Excel for mac apparently supports VBA - for some reason I am worried to upload my financial...
by michaelsieg
Wed Mar 05, 2014 12:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing template/spreadsheet
Replies: 12
Views: 1217

Re: Expected Stock Returns around the Globe

Thanks Larry, I will plug your numbers in my long-term trajectory curve to see how this might play out, currently my projections are based on slightly more optimistic assumptions. I have been looking at the GMO forecasts for a couple of months now, do you know what method they use for their 7 year f...
by michaelsieg
Tue Mar 04, 2014 2:39 pm
 
Forum: Investing - Theory, News & General
Topic: Expected Stock Returns around the Globe
Replies: 11
Views: 1247

Re: The Present Value of Pensions

Just to support Keith, 14x is a good rule. Jack Bogle used the same rule of thumb of 14 times the annual payment stream. I think his point in the interview was that many retirees have (in his view) a too conservative AA as they don't categorize their pension/SS in a similar cash flow producing categ...
by michaelsieg
Mon Mar 03, 2014 10:44 pm
 
Forum: Investing - Theory, News & General
Topic: The Present Value of Pensions
Replies: 53
Views: 5866

Re: 529 contributions and future tuition costs

sunnyday wrote For me, I realize there's a slight drag (less than 1%) with investing in taxable over investing in a 529. However, I feel the small trade-off is worth it because I'll be able to retire earlier and my children will be eligible for more financial aid with a smaller 529 account. Thanks ...
by michaelsieg
Mon Mar 03, 2014 4:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 contributions and future tuition costs
Replies: 46
Views: 2270

Re: Timing Russian stocks right now

G-money wrote
If you don't want to send your money to Russia, don't buy original-issue Russian bonds.

A lot of truth in this, I hear they go on sale every once in a while :happy
Another great opportunity to stay away from….
by michaelsieg
Mon Mar 03, 2014 2:34 pm
 
Forum: Investing - Theory, News & General
Topic: Timing Russian stocks right now
Replies: 22
Views: 1312

Re: Timing Russian stocks right now

[OT comments removed by admin LadyGeek]
Glad to just stick with buy and hold and I hope, that we all will not be forced to rebalance into stocks in the next few weeks.
by michaelsieg
Mon Mar 03, 2014 1:56 pm
 
Forum: Investing - Theory, News & General
Topic: Timing Russian stocks right now
Replies: 22
Views: 1312

Re: 529 contributions and future tuition costs

sunny day wrote Since I don't get a 529 tax-break, I feel that I shouldn't contribute anything to a 529 until I'm debt free and financially independent. I am not sure if I agree with this. For our family, we started the 529 contributions really early, and it is amazing how with the steady drop of r...
by michaelsieg
Mon Mar 03, 2014 1:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 contributions and future tuition costs
Replies: 46
Views: 2270

Re: Bogleheads.org Home Page Updated

I like the new layout - thanks LadyGeek for making the changes and for all you do for the bogleheads forum.
by michaelsieg
Mon Mar 03, 2014 1:22 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads.org Home Page Updated
Replies: 230
Views: 9150

Re: Buying a 'loaded' vs stripped down vehicle

things I don't want (sunroof, adaptive cruise control, 500 watt amplifier, rear DVD entertainment system). If you have kids - you should reconsider the DVD movie system. I have to say the DVD system that we got in my wife's Odyssey has been the best add-on ever. We often take 9 hour trips to our mo...
by michaelsieg
Wed Feb 19, 2014 9:26 pm
 
Forum: Personal Consumer Issues
Topic: Buying a 'loaded' vs stripped down vehicle
Replies: 52
Views: 3143

Re: Asset protection strategy

staythecourse wrote BTW, I find it incredibly funny that folks are SO obsessed over the <1% chances of stuff happening in life then they are over the stuff more likely to lead to ruin. For example, chance of divorce leading to financial ruin is MUCH MORE common then getting sued and losing your mone...
by michaelsieg
Sat Feb 15, 2014 4:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset protection strategy
Replies: 50
Views: 3043

Re: Asset protection strategy

I bought the book Asset protection by Adkisson and Riser. I liked it, but often fell asleep when reading at night…so my information might not be perfectly accurate. But the most compelling argument they make in their book is that you have to implement whatever strategy you want to use before there a...
by michaelsieg
Sat Feb 15, 2014 3:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset protection strategy
Replies: 50
Views: 3043

Re: How to implement the Swensen portfolio in the Euro-zone?

Most of my friends who live in Switzerland use VG ETFs for US market exposure and for European indices use mostly ishares products. The VG ETFs have several advantages including very low cost and usually high trading volumes - they are available to any investor in Europe with access to a brokerage. ...
by michaelsieg
Wed Feb 12, 2014 2:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to implement the Swensen portfolio in the Euro-zone?
Replies: 16
Views: 979

Re: Need Behavioral Advice (Senior Nutrition)

Make sure it is not his teeth that are bothering him. A lot of older folks avoid going to the dentist regularly and raw vegetables can be hard to eat if teeth are loose or the gums hurt. Just a thought….
by michaelsieg
Tue Feb 11, 2014 10:27 pm
 
Forum: Personal Consumer Issues
Topic: .....
Replies: 33
Views: 1709

Re: 529 questions

RNJ We are in a similar situation as you are, and I have done what you are considering now - I went much to a more conservative AA with our 529 plan. Statistically speaking, you have a good chance to see a 20-30% correction (or more) in equities in the next 10 years, i.e. before you need the money f...
by michaelsieg
Mon Feb 03, 2014 10:19 am
 
Forum: Investing - Help with Personal Investments
Topic: 529 questions
Replies: 31
Views: 1830

Re: TAYLOR'S UPCOMING 90th BIRTHDAY

Happy birthday Taylor
It was a pleasure to meet you at the last Bogleheads reunion, thanks for all your contributions and for your incredibly kind and thoughtful posts.
Michael
by michaelsieg
Fri Jan 24, 2014 11:24 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Taylor's 90th Birthday
Replies: 272
Views: 12687

Re: VWO seems cheap right now

Bought some EM today, the Bloomberg headlines stating that they are going to tank convinced me that today is the day to rebalance….unfortunately didn't have VG options in that retirement account.
by michaelsieg
Fri Jan 24, 2014 7:04 pm
 
Forum: Investing - Theory, News & General
Topic: VWO seems cheap right now
Replies: 125
Views: 13169

Re: How Bogleheaded today? I was supposed to buy my stocks.

Just bought some EM today, needed to rebalance. Not sure if this qualifies as a really bad day :happy
by michaelsieg
Fri Jan 24, 2014 7:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: How Bogleheaded today? I was supposed to buy my stocks.
Replies: 50
Views: 3915

Re: Private School Funding

One thing that hasn't been mentioned enough, I think, is the compounding power of the money that is lost with a private pre-college education. Let's say you spend on average 20k per child/year for a private school and you start in kindergarden (in our area, many private schools are in the low 30s/ye...
by michaelsieg
Tue Jan 21, 2014 12:52 am
 
Forum: Personal Finance (Not Investing)
Topic: [Tax Advantaged] Private School Funding [Options]
Replies: 26
Views: 4493

Re: Who Invests 100% in Passive Index Funds/ETFs

I just looked at this and realized that I don't look that great. The problem I have, is the bond portion of my portfolio, I have about 55% in bonds. I am not sure how to classify my VG bond holdings. I am holding a significant portion of the VG short- and intermediate treasury bond funds/ETFs and al...
by michaelsieg
Thu Jan 16, 2014 12:24 pm
 
Forum: Investing - Theory, News & General
Topic: Who Invests 100% in Passive Index Funds/ETFs
Replies: 79
Views: 5398

Re: Where do I start - no time to read them all

I would start with Jack Bogle's book: "Little book of common sense investing", I think in terms of ease to read and for someone who wants to start the book is hard to beat. He distilled his investing philosophy in it and the concepts of passive investing and costs of investing are very wel...
by michaelsieg
Sun Jan 12, 2014 11:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where do I start - no time to read them all
Replies: 11
Views: 1077

Re: Int Term Corp Bond vs Int Term Invest Grade

I am not a bond expert, but I also think they are very similar. I myself own the Inv. grade fund (VFICX), because I think it was Dr. Bernstein, who wrote that you should, if you consider corporate bonds, only hold the highest quality. So probalby slightly lower yield for slightly lower risk, but may...
by michaelsieg
Fri Jan 10, 2014 6:14 pm
 
Forum: Investing - Theory, News & General
Topic: Int Term Corp Bond vs Int Term Invest Grade
Replies: 10
Views: 766

Re: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST

by gotherelate » Fri Jan 03, 2014 1:31 pm 1949 - My birth year. Why not? it looks like there were a lot of birth years chosen - I see lots of guesses for the years between 1930's to 1990's and going into fractions...if we plot the results, we could probably figure out the median age of the group th...
by michaelsieg
Fri Jan 10, 2014 12:32 am
 
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST
Replies: 525
Views: 10655

Re: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST

1291 - thinking of an about 30% correction...
by michaelsieg
Wed Jan 01, 2014 11:32 pm
 
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST
Replies: 525
Views: 10655

Re: Swedroe-type portfolio: downside risk vs tracking error

Robert T wrote: Michaelsig, Here's the above analysis repeated with the AQR small cap momentum index in place of the MSCI momentum index. On its own, the AQR small momentum index almost matched the annualized returns of the S&P500 from 1984-1999. So little tracking error over this period. And 20...
by michaelsieg
Wed Jan 01, 2014 11:15 pm
 
Forum: Investing - Theory, News & General
Topic: Swedroe-type portfolio: downside risk vs tracking error risk
Replies: 32
Views: 3911

Re: Commodities Funds: A Decade of Disaster

Robert T wrote: I think this only adds to my earlier concerns. CCF assets seems to have signficant market impact. And if rising commodity spot prices (caused by 'events', or other factors) induce large inflows into CCFs, the commodity price hedge could be significanly diminshed just when needed most...
by michaelsieg
Mon Dec 30, 2013 10:25 am
 
Forum: Investing - Theory, News & General
Topic: Commodities Funds: A Decade of Disaster
Replies: 196
Views: 11549

Re: Commodities Funds: A Decade of Disaster

Used to be you could buy PCRIX at Vanguard. I haven't checked for awhile. Last time I did, the minimum initial investment was $25K I believe. Of course you can start with the minimum (If you have it) and then sell some to trim back to the level you want. I'd prefer an ETF (ETN) such as DJP, however...
by michaelsieg
Sun Dec 29, 2013 12:20 pm
 
Forum: Investing - Theory, News & General
Topic: Commodities Funds: A Decade of Disaster
Replies: 196
Views: 11549

Re: Commodities Funds: A Decade of Disaster

Thank you all for these great and insightful comments - I learned a lot from this debate. It seems that very knowledgeable investors can come to different conclusions looking at the data regarding inclusion of CCFs in one's portfolio or not. As Dr. Bernstein, Larry, JohnDoe and Robert seem to agree,...
by michaelsieg
Sun Dec 29, 2013 11:27 am
 
Forum: Investing - Theory, News & General
Topic: Commodities Funds: A Decade of Disaster
Replies: 196
Views: 11549

Re: Commodities Funds: A Decade of Disaster

I have always looked at the CCFs as a "portfolio insurance" against supply shocks and unanticipated inflation, and may be a "tool" to reduce portfolio volatility, but not a means increase the portfolio returns. As with most insurances, you hope that the event you buy insurance fo...
by michaelsieg
Fri Dec 27, 2013 5:26 pm
 
Forum: Investing - Theory, News & General
Topic: Commodities Funds: A Decade of Disaster
Replies: 196
Views: 11549

Re: Swedroe-type portfolio: downside risk vs tracking error

Thanks Robert, I had a question about the momentum factor, how do the AQR small cap momentum and the AQR momentum index compare to the MSCI momentum index - could the AQR small cap momentum index be used to reduce tracking error the market performance (I have access to it in mo 403 plan), or would t...
by michaelsieg
Tue Dec 17, 2013 3:02 pm
 
Forum: Investing - Theory, News & General
Topic: Swedroe-type portfolio: downside risk vs tracking error risk
Replies: 32
Views: 3911

Re: What matters over long haul is factor exposure and expen

Larry wrote michael What we know is that when the BtM spread is high between value and growth (say like in 99) the value premium is larger and vice versa, but there's always a value premium. In other words there is a tendency to RTM for the PREMIUM. Thanks Larry, my concern was that the RTM for the...
by michaelsieg
Fri Dec 13, 2013 10:39 pm
 
Forum: Investing - Theory, News & General
Topic: What matters over long haul is factor exposure and expense
Replies: 37
Views: 3543

Re: What matters over long haul is factor exposure and expen

Thank you so much Robert, I really appreciate your insight, that was extremely helpful- thanks for taking the time. I was just worried, that this might be the worst time to construct a factor based portfolio with the lowest cost possible, your data help putting things in perspective. I was also surp...
by michaelsieg
Fri Dec 13, 2013 10:35 pm
 
Forum: Investing - Theory, News & General
Topic: What matters over long haul is factor exposure and expense
Replies: 37
Views: 3543

Re: What matters over long haul is factor exposure and expen

Robert T wrote: I think long-term equity, small, and value premiums are from higher risk. I have started to tilt my portfolio over the past year, thinking that overall I can reduce my equity exposure compared to a pure total market portfolio and have similar returns with less volatility. But the qu...
by michaelsieg
Fri Dec 13, 2013 12:15 am
 
Forum: Investing - Theory, News & General
Topic: What matters over long haul is factor exposure and expense
Replies: 37
Views: 3543

Re: What are your policies for changing your IPS?

Berntson wrote: Any future allocation changes will be done with new money. I will never sell funds to alter my asset allocation. I can see why you would want to write something like that, to prevent tinkering. But if you keep it written as is, you would not be able to rebalance in times of extreme ...
by michaelsieg
Thu Dec 12, 2013 12:01 am
 
Forum: Investing - Theory, News & General
Topic: What are your policies for changing your IPS?
Replies: 22
Views: 1115

Re: 2 Residents, a ton of debt, and a hope to retire one day

Something that has not been mentioned - you can greatly increase your income during residency. Get a state medical license and start moonlighting. You can easily make $1000 a night covering in a local ER - you only have to work 80 hours a week with the current RRC rules and have plenty of time to do...
by michaelsieg
Tue Dec 10, 2013 11:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: 2 Residents, a ton of debt, and a hope to retire one day
Replies: 30
Views: 2771
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