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Re: Thoughts on [not] rebalancing

It is an interesting concept especially when you add in partial rebalance or required deviation rebalancing. I'm in the process of trying to formulate some rules for downside movement before rebalancing would kick in. My situation may be different as I can drain bonds and probably get to 91 y/o with...
by midareff
Tue Jul 22, 2014 3:49 pm
 
Forum: Investing - Theory, News & General
Topic: Thoughts on [not] rebalancing
Replies: 12
Views: 537

Re: Buying in ok neighborhood vs good neighborhood

dbr wrote:What does it mean to be "x blocks away from the 'crime part of town'"? Doesn't sound like either one is a good choice.



My take exactly.... another 4 blocks to kids on foot or bicycles means nothing. 8 blocks from the crime part of town is not nearly far enough in my opinion.
by midareff
Tue Jul 22, 2014 11:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying in ok neighborhood vs good neighborhood
Replies: 27
Views: 1402

Re: Can I manage a new CC?

I have a fist full of cc's and regularly use 4 of them. AMEX 6% groceries, used just for groceries, PenFed 5% gas, used just for gas, Fido AMEX 2% used for everything I can and the Fido Visa 1.5% for when they don't take Amex. I have Discover and some store cards, an Amazon card and others but don't...
by midareff
Tue Jul 22, 2014 10:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I manage a new CC?
Replies: 6
Views: 534

Re: How to track expenses to the penny?

We eat out quite a lot. What's giving you 5% at restaurant's year round or is that a Discover quarterly category?
by midareff
Tue Jul 22, 2014 10:34 am
 
Forum: Personal Finance (Not Investing)
Topic: How to track expenses to the penny?
Replies: 33
Views: 1835

Re: Adding Corporates to Total Bond Market Index

I also made a change due solely to what Mr. Bogle said about the total bond fund. About 15 months ago I split my bond holdings in half between Intermediate Term Investment Grade (VFIDX) and Total Bond Mkt (VBTLX). It is has gone from 50/50 to 53/47, respectively. I am pleased with the results. Are ...
by midareff
Tue Jul 22, 2014 9:06 am
 
Forum: Investing - Theory, News & General
Topic: Adding Corporates to Total Bond Market Index
Replies: 67
Views: 5275

Re: Bond funds- your percentage of intermediate vs. short-te

From an investor's perspective fixed income money has become extremely difficult to even obtain a few basis points of real return, and there is interest rate and other risks in that. Having said that, I believe I heard Mr. Bogle comment during an interview he held either ST or LT Tax-Ex in a 1:2 rat...
by midareff
Tue Jul 22, 2014 8:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond funds- your percentage of intermediate vs. short-term?
Replies: 12
Views: 1030

Re: Reduce / Eliminate Emerging Market in Retirement?

Broadly diversified is broadly diversified. Roughly 7.5% of my portfolio is VTIAX and another 7.5% in VSS. The EM they hold is just fine with me the point being to be invested in maximally diversified manner. I don't need to take risk either (66, 2 years retired) so 45% of my portfolio is equities, ...
by midareff
Tue Jul 22, 2014 8:33 am
 
Forum: Investing - Theory, News & General
Topic: Reduce / Eliminate Emerging Market in Retirement?
Replies: 9
Views: 760

Re: P/E Ratio: How do YOU interpret/use it?

I interpret it to be the numerial comparison of the price of the stock to its most recently officially reported earnings per share. I use it to razzle dazzle my friends who assumed I must be ever so smart if I can use the term "P/E ratio" in a sentence. PJW Not to mention dynamically adju...
by midareff
Tue Jul 22, 2014 8:20 am
 
Forum: Investing - Theory, News & General
Topic: P/E Ratio: How do YOU interpret/use it?
Replies: 25
Views: 1048

Re: Hw many credit cards to own?

I own five..... Amex Blue Cash Preferred for groceries @6% cash rebate .. used for nothing else. Penfed Gas Card @ 5% cash rebate .. used for nothing else. Fido Amex @ 2% rebate .. used for everything else. Fido Visa % 1.5% cash rebate... used where none of the above are Discovery... only used when ...
by midareff
Mon Jul 21, 2014 2:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 58
Views: 2768

Re: Bond Fund or Money Market Fund?

First year's funding in a money market, such as Ally Bank paying .85%, second year 's money CD's for a slightly higher rate or same as third year, third year in a short term bond fund.. short term investment grade if you are tax-exempt or limited term tax-ex if not.
by midareff
Mon Jul 21, 2014 9:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond Fund or Money Market Fund?
Replies: 7
Views: 554

Re: years of investing and balances

Started in my mid 20's (66 now), first million in 1999 then gone in the tech wreck, discovered Dr. Bernstein, Rick, Larry and John C., regained in February 2011. Retired in April 2012. Great bull run, half way to multi now.
by midareff
Mon Jul 21, 2014 8:31 am
 
Forum: Investing - Help with Personal Investments
Topic: years of investing and balances
Replies: 20
Views: 1562

Re: Your allocation to Emerging Market small cap ETFs?

I own whatever part of them are included in VG Total International and Small International. I don't add an EM tilt or separate slice.
by midareff
Mon Jul 21, 2014 8:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Your allocation to Emerging Market small cap ETFs?
Replies: 9
Views: 804

Re: how often do you look at your account

bengal22 wrote:when it is going up I look all of the time. In the other direction, I tend to watch more sports.



LOL, funny.... but me 2.
by midareff
Sun Jul 20, 2014 8:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: how often do you look at your account
Replies: 70
Views: 3491

Re: Memory foam mattresses - any insight?

My other half decided to ditch both of our mattresses and get two of the Costo tempurpedic-like mattresses. I don't like them too much. Then when I attended a recent wedding at a hotel in Provincetown, I really realized what a good regular high end mattress felt like and wished we would have spent ...
by midareff
Sun Jul 20, 2014 3:56 pm
 
Forum: Personal Consumer Issues
Topic: Memory foam mattresses - any insight?
Replies: 40
Views: 2501

Re: Memory foam mattresses - any insight?

Bought a TempurPedic >10 years ago. We like it. It has been more durable than any conventional mattress we've ever owned. Re chemicals, there has never been a trace of odor from it. I can't speak to the question of whether it's any better than cheaper mattresses. It's not for everyone. Most mattres...
by midareff
Sun Jul 20, 2014 10:20 am
 
Forum: Personal Consumer Issues
Topic: Memory foam mattresses - any insight?
Replies: 40
Views: 2501

Re: How much do you spend on your hobby annually?

Year before it was trips to Africa (3 weeks) and Thailand (7 weeks) maybe $12K or so. Hi midareff, I was under the impression that an African safari would put me back $10k-$15k. Your expenses are much more reasonable. Victoria Safari's can range widely in price and offerings. Are you OK in the lodg...
by midareff
Sun Jul 20, 2014 9:09 am
 
Forum: Personal Consumer Issues
Topic: How much do you spend on your hobby annually?
Replies: 77
Views: 6850

Re: Which kind of bike for recent retiree?

Many years ago, I used to cycle semi seriously, for fun. me 2. Recently went into a bike shop and was astounded at the different styles of bike. In the past I had a road bike and I was happy with it, but a mountain bike or a hybrid looked interesting. (actually not even sure I have straight all the...
by midareff
Sun Jul 20, 2014 8:52 am
 
Forum: Personal Consumer Issues
Topic: Which kind of bike for recent retiree?
Replies: 48
Views: 2440

Re: How much do you spend on your hobby annually?

Annually? all over the place. To keep them identified, audio and video gear, photography and travel. Last year I changed out two older TVs (average age 12) for 2 large higher end "Smart" ones and Blu-ray's. $5K. Year before it was trips to Africa (3 weeks) and Thailand (7 weeks) maybe $12K...
by midareff
Sun Jul 20, 2014 8:26 am
 
Forum: Personal Consumer Issues
Topic: How much do you spend on your hobby annually?
Replies: 77
Views: 6850

Re: Faber: S&P 500 an Active Fund in Drag

Agree with Faber... a few companies are added and deleted based on criteria every year. On the other hand since companies come and go in the real world any groiup of 500 companies must have some leaving and some coming. Regardless of how terms are parsed as an index, active index, active fund in dra...
by midareff
Sun Jul 20, 2014 8:10 am
 
Forum: Investing - Theory, News & General
Topic: Faber: S&P 500 an Active Fund in Drag
Replies: 45
Views: 3302

Re: Buying First Home - Inspection Follow Up Advice

Excellent advice. You should listen to EmergDoc and retiredjg. If you decide to go through with this deal, you need to be well covered for the cost of the repairs. Even if you get good estimates, something will inevitably go sideways and it will cost more than you expect. Agreed and I would include...
by midareff
Sun Jul 20, 2014 8:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying First Home - Inspection Follow Up Advice
Replies: 22
Views: 1720

Re: Poll: Has your AA changed in the last 18 months

The last 18 months of bull and following my balance bands took me to Dr. B's won the game. Reduced equities to 45%.
by midareff
Sun Jul 20, 2014 7:48 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Has your AA changed in the last 18 months
Replies: 49
Views: 2260

Re: When to Buy Air Tik to Florida

Don't wait too long. Those Christmas flights to Florida are usually sold out months in advance. You might find it goes from high fares to being completely sold out. Bruce +1 Now but pick a day and start looking about 4 or 5 AM. You can usually catch a couple of lower priced tickets early AM. This t...
by midareff
Sun Jul 20, 2014 7:41 am
 
Forum: Personal Consumer Issues
Topic: When to Buy Air Tik to Florida
Replies: 9
Views: 947

Re: Complete Portfolio Rebalancing: Lump or DCA?

I would go ahead and get it done. Depending on the amount of record keeping you do personally, you might split it into more than one day (i.e.: two or three days) just for convenience and being to verify things got where you wanted them.
by midareff
Sat Jul 19, 2014 11:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Complete Portfolio Rebalancing: Lump or DCA?
Replies: 9
Views: 916

Re: Boglehead Beer

Guinness in Ireland, here it just isn't the same. Sam Adams Boston Lager is a current favorite as is Blue Moon Belgium Ale. I just put Yuengling and Dogfish on the try list. Fortunately I have a Dogfish and Yuengling seller on a more commonly taken street.
by midareff
Sat Jul 19, 2014 11:17 am
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 386
Views: 46654

Re: Just purchased a condo. Insurance question

An insurance item frequently overlooked that may be helpful is Special Assessment Insurance. Things happen in buildings, even those with fully funded reserves.
by midareff
Sat Jul 19, 2014 10:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Just purchased a condo. Insurance question
Replies: 10
Views: 876

Re: If no access to DFA, Small Value worth it?

OP, You may also enjoy this article from ~2001 called Diversifying Fama-French style with Vanguard Funds from the old indexfunds.com. I had to use the Way back machine, but if the link doesn't work you can just lookup "http://www.indexfunds.com/articles/20000818_vanslice_adv_veh_JK.htm" o...
by midareff
Sat Jul 19, 2014 9:32 am
 
Forum: Investing - Theory, News & General
Topic: If no access to DFA, Small Value worth it?
Replies: 18
Views: 2088

Re: Jeremy Grantham pokes holes in EMH

Thanks for sharing.
by midareff
Sat Jul 19, 2014 9:20 am
 
Forum: Investing - Theory, News & General
Topic: Jeremy Grantham pokes holes in EMH
Replies: 16
Views: 2135

Re: Adding Corporates to Total Bond Market Index

I also made a change due solely to what Mr. Bogle said about the total bond fund. About 15 months ago I split my bond holdings in half between Intermediate Term Investment Grade (VFIDX) and Total Bond Mkt (VBTLX). It is has gone from 50/50 to 53/47, respectively. I am pleased with the results. Are ...
by midareff
Fri Jul 18, 2014 4:30 pm
 
Forum: Investing - Theory, News & General
Topic: Adding Corporates to Total Bond Market Index
Replies: 67
Views: 5275

Re: Cash out pension?

#1. Much too much can happen between 2014 (now) and 2039. #2. 1% annual dividend when the CPI-U is near double that now and has averaged 3.92% from 1960 to date tells me you just can't afford to park the money at 1% for the next 25 years. #3. Call 800-841-7999 and have Vanguard Concierge Serviced he...
by midareff
Fri Jul 18, 2014 4:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Cash out pension?
Replies: 30
Views: 1614

Re: Please approve my asset allocation!

Agree on maxing a Roth too. Other than that I wish I knew what you already know at 20 something.
by midareff
Fri Jul 18, 2014 11:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Please approve my asset allocation!
Replies: 16
Views: 1002

Re: Vanguard Inter-Term Bond Index (VBILX)

I like VBILX because it does not hold high-risk mortgage backed securities (MBS.) After 2008, I avoid MBS like the plague. Over the years, VBILX has a slightly lower CAGR than BND, but I still prefer VBILX for the reason stated above. are you sure on the CAGR? 10 year on VBILX (Admiral) is 5.92%, 1...
by midareff
Fri Jul 18, 2014 11:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Inter-Term Bond Index (VBILX)
Replies: 9
Views: 996

Re: If you own a car, do you have a car payment?

PenFed had 1.49% 5 year financing available when I bought 22 months ago. The decision was pay cash or leave it in the market..... the rear view mirror says I made the right call so far. Actually, it was more a no brainer than anything else. Going backwards from there, 6 years of no payments, 10 year...
by midareff
Fri Jul 18, 2014 9:23 am
 
Forum: Personal Consumer Issues
Topic: If you own a car, do you have a car payment?
Replies: 103
Views: 5546

Re: Market Timing vs. Market Opportunity

Leeraar wrote:
Yes,

When the market tops you should sell. When it bottoms you should buy.

Let us know how it goes.

L.



+1 That's always been my plan too. I plan to implement this strategy as soon as my crystal ball is back from repairs at the shop.
by midareff
Fri Jul 18, 2014 9:16 am
 
Forum: Investing - Theory, News & General
Topic: Market Timing vs. Market Opportunity
Replies: 46
Views: 2866

Re: To Tilt or Not to Tilt - Rick Ferri's Latest

I find it interesting in Rick's ratio of 75/25 and Larry's SV/EM split in the Larry Portfolio. We know how to receive market returns less very few basis points via holding the total market... so by tilting we are hoping to improve performance beyond that of the total market, and through diversificat...
by midareff
Fri Jul 18, 2014 9:08 am
 
Forum: Investing - Theory, News & General
Topic: To Tilt or Not to Tilt - Rick Ferri's Latest
Replies: 72
Views: 6295

Re: Is this realtor lying to me?

The appraisal will be used as the loan basis. Different loans require different down payments, ranges I know about are 95%, 80% and 70% for residential and condo. An appraisal requirement written into a purchase contract is pretty common when a mortgage will be obtained. With 50% cash down I can't ...
by midareff
Thu Jul 17, 2014 11:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Is this realtor lying to me?
Replies: 27
Views: 3313

Re: Adding Corporates to Total Bond Market Index

As noted I would add Corporate bonds and some of them being shorter duration than total bond. I'm not sure how duration is calculated but have basic trust that it is reasonable. Since 2008 there have been a lot of investors new to bond funds. I know that there is concern that when interest rates ri...
by midareff
Thu Jul 17, 2014 11:17 am
 
Forum: Investing - Theory, News & General
Topic: Adding Corporates to Total Bond Market Index
Replies: 67
Views: 5275

Re: Is this realtor lying to me?

The appraisal will be used as the loan basis. Different loans require different down payments, ranges I know about are 95%, 80% and 70% for residential and condo. An appraisal requirement written into a purchase contract is pretty common when a mortgage will be obtained. With 50% cash down I can't i...
by midareff
Thu Jul 17, 2014 10:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Is this realtor lying to me?
Replies: 27
Views: 3313

Re: Adding Corporates to Total Bond Market Index

Just to be clear Valuethinker ... when I calculate my AA % (Risk Profile) I use (in addition to the equities $) 10% of IT IG, 5% of ST IG and 22% of HY. It seems reasonable to me, and others may differ, that one day when interest rates begin to rise, investment grade bonds, be they treasuries, MBS ...
by midareff
Thu Jul 17, 2014 10:13 am
 
Forum: Investing - Theory, News & General
Topic: Adding Corporates to Total Bond Market Index
Replies: 67
Views: 5275

Re: Adding Corporates to Total Bond Market Index

Just to be clear Valuethinker ... when I calculate my AA % (Risk Profile) I use (in addition to the equities $) 10% of IT IG, 5% of ST IG and 22% of HY. It seems reasonable to me, and others may differ, that one day when interest rates begin to rise, investment grade bonds, be they treasuries, MBS o...
by midareff
Thu Jul 17, 2014 8:18 am
 
Forum: Investing - Theory, News & General
Topic: Adding Corporates to Total Bond Market Index
Replies: 67
Views: 5275

Re: Good Faith Deposit with Attorney or Realtor?

I meant the title companies trust account usef for settlements of RE transactions. By hold I meant hold until there was a signed accepted purchase contract.
by midareff
Wed Jul 16, 2014 2:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Good Faith Deposit with Attorney or Realtor?
Replies: 7
Views: 641

Re: POLL: Do you have a dedicated REIT allocation?

I slice and equally weight equities 6 ways @ 7.5% per slice... Total US, Total Int., SV, Small Int, Health and REITs. As Nisi pointed out REITs can be very volatile and I see that as an opportunity rather than a problem.
by midareff
Wed Jul 16, 2014 1:06 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you have a dedicated REIT allocation?
Replies: 123
Views: 6785

Re: Adding Corporates to Total Bond Market Index

Would it be reasonable to simply put corp bonds into the equity column when calculating AA? No. They are bonds. Investment Grade bonds, but bonds. If you look at 2008-09 you see probably the max correlation. I don't know if Larry Swedroe has presented the longer term numbers anywhere. maybe 10% of ...
by midareff
Wed Jul 16, 2014 1:01 pm
 
Forum: Investing - Theory, News & General
Topic: Adding Corporates to Total Bond Market Index
Replies: 67
Views: 5275

Re: Adding Corporates to Total Bond Market Index

I also made a change due solely to what Mr. Bogle said about the total bond fund. About 15 months ago I split my bond holdings in half between Intermediate Term Investment Grade (VFIDX) and Total Bond Mkt (VBTLX). It is has gone from 50/50 to 53/47, respectively. I am pleased with the results. But ...
by midareff
Wed Jul 16, 2014 11:16 am
 
Forum: Investing - Theory, News & General
Topic: Adding Corporates to Total Bond Market Index
Replies: 67
Views: 5275

Re: Good Faith Deposit with Attorney or Realtor?

Lawyer is good with it. Thinks it is lots safer in his trust account than in that of an unknown realtor.
by midareff
Wed Jul 16, 2014 11:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Good Faith Deposit with Attorney or Realtor?
Replies: 7
Views: 641

Re: Adding Corporates to Total Bond Market Index

I also made a change due solely to what Mr. Bogle said about the total bond fund. About 15 months ago I split my bond holdings in half between Intermediate Term Investment Grade (VFIDX) and Total Bond Mkt (VBTLX). It is has gone from 50/50 to 53/47, respectively. I am pleased with the results. But ...
by midareff
Wed Jul 16, 2014 11:00 am
 
Forum: Investing - Theory, News & General
Topic: Adding Corporates to Total Bond Market Index
Replies: 67
Views: 5275

Re: Small cap valuations "appear to be stretched"

Some of us decided on a tilt to small-cap and value some years ago, and are just sticking with our plan. Right so I don't try to do any market timing based on valuations or any other criteria. Amen...... the last 5 years or so have floated all boats ... many to record highs. Sticking to AA's and gl...
by midareff
Wed Jul 16, 2014 10:46 am
 
Forum: Investing - Theory, News & General
Topic: Small cap valuations "appear to be stretched"
Replies: 11
Views: 1377

Re: Another reason I am my own advisor

I knew quite a few people at my former employer (retired now) who cashed out their state pension (computer on a 7.75% annual growth basis with 3% cola for life) to then pay income taxes on all that money, to then place what was left after tax with the advisor who talked him into doing this to then u...
by midareff
Wed Jul 16, 2014 10:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Another reason I am my own advisor
Replies: 15
Views: 3719

Re: Good Faith Deposit with Attorney or Realtor?

Thanks.... long relationship and personal friends.
by midareff
Wed Jul 16, 2014 10:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Good Faith Deposit with Attorney or Realtor?
Replies: 7
Views: 641

Re: Why does anyone use American Express?

Amex Blue Cash Preferred is an absolute no-brainer for anyone who shops at regular grocery stores, needs gas in there car and does the occasional depart store shopping. 6% on groceries and 3% gas/department stores. The 75$ annual fee is made up for fairly quickly. LOL, the no brainer for gas is the...
by midareff
Wed Jul 16, 2014 10:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Why does anyone use American Express?
Replies: 146
Views: 21967

Re: BlackRock Diversified Income Portfolio

I suspect if you check your YTD bond funds performances and then deduct fees and compute tax you will have to pay you may find there is nothing there for you after Blackrock, Fidelity, the Advisor and IRS have been paid.. You might want to invest a bit of time in this thread http://www.bogleheads.or...
by midareff
Wed Jul 16, 2014 9:57 am
 
Forum: Investing - Help with Personal Investments
Topic: BlackRock Diversified Income Portfolio
Replies: 6
Views: 587
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