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Re: Vanguard Personal Performance History: 10 Years

Since nobody else has answered... I have a very vague impression it happened maybe six months ago. I think it was this year, anyway. I know that as of April 2013 people were griping about it only going back five years.
by nisiprius
Sat Nov 22, 2014 8:26 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Personal Performance History: 10 Years
Replies: 3
Views: 722

Re: What percent "Boglehead" are you?

How about this? A Boglehead is someone who self-identifies as a "Boglehead."
by nisiprius
Sat Nov 22, 2014 7:34 pm
 
Forum: Investing - Theory, News & General
Topic: What percent "Boglehead" are you?
Replies: 66
Views: 2476

Re: Jim Cramer dad & LTCI

I have seen LTCI repeatedly in play in my community among friends and acquaintances (sadly), and I have yet to observe or hear of a vendor who did not pay as promised according to the provisions of the policy. But let's say you are skeptical, but nevertheless willing to assess the evidence. Here is...
by nisiprius
Sat Nov 22, 2014 5:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Jim Cramer dad & LTCI
Replies: 25
Views: 2365

Re: 23 year old... Can I afford a Rolex?

You have to decide for yourself the personal value you place on various alternatives. Obviously many 23-year-olds buy cars, your average random car costs much more than your average random Rolex, so it would be ridiculous to say you can't "afford" a Rolex. The fact that you are bothering ...
by nisiprius
Sat Nov 22, 2014 5:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: 23 year old... Can I afford a Rolex?
Replies: 54
Views: 2704

Re: What Movie Have You Recently Watched?

Loved "Saving Mr. Banks." Just watched "The Social Network," loved it. Really hadn't known much about the background. I actually hadn't realized these were all Harvard guys seriously obsessed with getting into a final club. It confirms my impression that social prestige is still ...
by nisiprius
Sat Nov 22, 2014 4:52 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 216
Views: 17007

Re: What would be the investing strategy for a coming crash?

Thus, I personally think that Japan 1990-2014 should "count," but that the far worse crash, Japan 1946-1948, shouldn't. Agree that Japan 1990-2014 should count — as it can likely be seen as a precursor for many other developed nations in the coming decades. Japan has the most rapidly agin...
by nisiprius
Sat Nov 22, 2014 1:52 pm
 
Forum: Investing - Theory, News & General
Topic: What would be the investing strategy for a coming crash?
Replies: 47
Views: 3224

Re: Movie dialog, "The Social Network." Hard to hear?

It's not you. According to this article in the Washington Post, the director of that flick chose to make the movie's dialog harder to hear at some points, and other directors have also made that choice (your example pops up about halfway into the article). http://www.washingtonpost.com/lifestyle/st...
by nisiprius
Sat Nov 22, 2014 1:36 pm
 
Forum: Personal Consumer Issues
Topic: Movie dialog, "The Social Network." Hard to hear?
Replies: 12
Views: 1029

Re: What percent "Boglehead" are you?

I think the general conclusion by reading this thread is that most people talk the talk, but only walk the walk something like 75%. I disagree because I dispute the initial assertion that "true Boglehead" is defined as in the OP so I ain't playing this game. I agree. My personal touchston...
by nisiprius
Sat Nov 22, 2014 1:31 pm
 
Forum: Investing - Theory, News & General
Topic: What percent "Boglehead" are you?
Replies: 66
Views: 2476

Movie dialog, "The Social Network." Hard to hear?

Just rented The Social Network and enjoyed it. Watched it at home under reasonably quiet surroundings. Many of the scenes are set in noisy environments. There were a number of scenes in which the dialog was literally hard for me to understand--the speech was relatively soft and the background noise ...
by nisiprius
Sat Nov 22, 2014 12:02 pm
 
Forum: Personal Consumer Issues
Topic: Movie dialog, "The Social Network." Hard to hear?
Replies: 12
Views: 1029

Re: Storing/Organizing Memory Sticks

Tell me about it. I buy whatever is on sale and has the lowest cost-per-gigabyte at Staples--typically when the range of current capacities is 1X to 4X, there will be really good deals on 0.5X thumb drives. They are all different sizes and shapes. (And no, I do not mean Darth Vader or South Park or ...
by nisiprius
Sat Nov 22, 2014 11:49 am
 
Forum: Personal Consumer Issues
Topic: Storing/Organizing Memory Sticks
Replies: 23
Views: 1089

Re: What percent "Boglehead" are you?

Giving myself 0-10 points on each item of the Bogleheads Investment Philosophy 1 Develop a workable plan -- 8, based on the fact that we're now in retirement and I think it's working. Workable, yes; plan, not so much! But I did do a big fancy spreadsheet around 5 years before retirement including al...
by nisiprius
Sat Nov 22, 2014 11:31 am
 
Forum: Investing - Theory, News & General
Topic: What percent "Boglehead" are you?
Replies: 66
Views: 2476

Re: What would be the investing strategy for a coming crash?

The car/train crash analogies are bad. These are final events with infinite loss. This is not what happens in a stock market correction or crash. Sometimes it does. http://s11.postimg.org/7gu3zny1v/Captura_de_pantalla_2014_11_22_a_las_10_46_13_AM.png It's never happened in the U.S. Very seriously, ...
by nisiprius
Sat Nov 22, 2014 10:55 am
 
Forum: Investing - Theory, News & General
Topic: What would be the investing strategy for a coming crash?
Replies: 47
Views: 3224

Re: What would be the investing strategy for a coming crash?

17,810? 17,810? Yikes! Great Caesar's Ghost! I actually hadn't been paying attention.

I'm sorry I looked.

Feels just like the last 1990s all over again, doesn't it?

But when it comes to staying the course, I "feel the fear and do it anyway."
by nisiprius
Sat Nov 22, 2014 10:43 am
 
Forum: Investing - Theory, News & General
Topic: What would be the investing strategy for a coming crash?
Replies: 47
Views: 3224

Re: Personal Tips for a New Father to Be

Be aware that stress is stress, and that stress from good life changes is almost as stressful and creates almost as much of the effects of stress as stress from bad life changes. Be aware that your first child, no matter how much you want it, is going to be a source of both good and bad stress. You ...
by nisiprius
Sat Nov 22, 2014 10:37 am
 
Forum: Personal Consumer Issues
Topic: Personal Tips for a New Father to Be
Replies: 22
Views: 1335

Re: Jim Cramer dad & LTCI

Shame on Cramer. I can't make any judgement at all here without knowing the name of the company. It is ALWAYS said that you need to buy from a "reputable" company, and there are even some fairly consistent consensus opinions of the names of the "reputable" companies and the "...
by nisiprius
Sat Nov 22, 2014 10:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Jim Cramer dad & LTCI
Replies: 25
Views: 2365

Re: What would be the investing strategy for a coming crash?

...Supposing that an investor did believe a major crash was coming within the next 2 years, what would be the proper course of action for him?... Re-examine those beliefs. It doesn't make sense to wait for the train to hit you, if you believe it's coming. Nor it make sense to swerve out of a highwa...
by nisiprius
Fri Nov 21, 2014 9:25 pm
 
Forum: Investing - Theory, News & General
Topic: What would be the investing strategy for a coming crash?
Replies: 47
Views: 3224

Re: Does investing in a 401k actually save any money?

Last time I looked, it seemed that the advantages of a 401(k) came from three sources: a) The company match b) Nontaxable compounding c) The assumption of a lower tax bracket in retirement The disadvantages were limited choice and high-cost funds in the plan. The conclusion I came to was that it was...
by nisiprius
Fri Nov 21, 2014 3:53 pm
 
Forum: Investing - Theory, News & General
Topic: Does investing in a 401k actually save any money?
Replies: 44
Views: 3179

Re: Vanguard launches new offering ... [Vanguard merchandise

bhsince87 wrote:...I'm in central PA. UPS says the package was shipped from Massachusetts to Philadelphia yesterday, and it will go from Philly to here tomorrow...
Massachusetts? Vanguard merchandise is shipped fromMassachusetts?

Now I am dying to know: was it shipped from 82 Devonshire Street?
by nisiprius
Thu Nov 20, 2014 9:19 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 90
Views: 9004

Re: Why finance research is often wrong - the jelly bean pro

Just to be clear, statistical techniques for handling the "jelly bean problem" have existed since well before I was in grad school. (Ahem. That was the 1970s. I am old). The puzzle is why authors of financial research don't seem to be use them much. There are "simultaneous tests of mu...
by nisiprius
Thu Nov 20, 2014 7:05 pm
 
Forum: Investing - Theory, News & General
Topic: Why finance research is often wrong - the jelly bean problem
Replies: 58
Views: 4964

Re: Apple Stock - Seems great, right?

Meh, Apple hasn't released a truly great or even very good product since well before Steve Jobs died. I don't think the "greatness" of the great products is always obvious right away. When the iPod was introduced, it baffled and disappointed many who were expecting something great, and Cm...
by nisiprius
Thu Nov 20, 2014 3:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Apple Stock - Seems great, right?
Replies: 105
Views: 9640

Re: Problem with posting

Van wrote:...Is this notice a new feature?...
No, it wasn't always there but it has been there for several years.
by nisiprius
Thu Nov 20, 2014 2:53 pm
 
Forum: Forum Issues and Administration
Topic: Problem with posting
Replies: 9
Views: 463

Re: An alternative to alternative investments [QSPIX]

Disclosure: I have a significant personal investment in the fund and it was approved by the investment policy committee of my firm, Buckingham, as a 401(k) plan option. sig·nif·i·cant dict: sufficiently great or important to be worthy of attention; noteworthy. I have about a 3% allocation Hope that...
by nisiprius
Thu Nov 20, 2014 12:31 pm
 
Forum: Investing - Theory, News & General
Topic: An alternative to alternative investments [QSPIX]
Replies: 67
Views: 4134

Re: An alternative to alternative investments [QSPIX]

...Given the newness of the fund I would not want to have more than say a 5% allocation. Over time with more evidence that they can deliver the premiums well I would consider increasing that amount. I have about a 3% allocation Hope that helps Larry... I think that puts things into perspective. Whe...
by nisiprius
Thu Nov 20, 2014 12:07 pm
 
Forum: Investing - Theory, News & General
Topic: An alternative to alternative investments [QSPIX]
Replies: 67
Views: 4134

Re: What temperature for house for long winter absence?

Our house has no heat in the basement, so what keeps the pipes from freezing is the (plentiful) leakage of heat through the floor etc. That is not exactly an engineered situation, and the difference in temperature between living space and basement increases in colder weather. It is not rare to get w...
by nisiprius
Thu Nov 20, 2014 12:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: What temperature for house for long winter absence?
Replies: 31
Views: 2795

Re: Pension buyout offer - Accept or reject

... I get quotes from two insurance companies for a life annuity, for a couple, both born in 1949 ... Nisi, the original poster says he is age 53. He was therefore born in 1960 or 1961.... :oops: :oops: :oops: Major screw-up, thank you. The two quotations I am seeing now are both around $95,000. So...
by nisiprius
Thu Nov 20, 2014 11:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Pension buyout offer - Accept or reject
Replies: 44
Views: 3484

Re: An alternative to alternative investments [QSPIX]

...As I said, I have significant investment in the fund, and I don't think you nor anyone else would say I bought it to talk about alternative investments with my golf buddies---I don't even play golf (:-)). Larry I thought the "Larry Portfolio" was a simple long-only portfolio of small v...
by nisiprius
Thu Nov 20, 2014 10:23 am
 
Forum: Investing - Theory, News & General
Topic: An alternative to alternative investments [QSPIX]
Replies: 67
Views: 4134

Re: Where can I go to get a signature guarantee or Medallion

I once emailed the organization that is behind the "medallion signature guarantee" asking them specifically how a consumer could locate a nearby institution offering them, and did not get a satisfactory reply. We live in the world we live in, and the "signature guarantee" stuff s...
by nisiprius
Thu Nov 20, 2014 9:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Where can I go to get a signature guarantee or Medallion sig
Replies: 34
Views: 3059

Re: What were your biggest financial emergencies?

Just a thought. We did not need (a) cash, (b) within a week. We did, however, need to write a check on what seemed short notice to pay a nursing home, and keep writing them for the several months it took before Medicaid processed the paperwork, made their decision, paid the nursing home and the nurs...
by nisiprius
Thu Nov 20, 2014 9:10 am
 
Forum: Personal Finance (Not Investing)
Topic: What were your biggest financial emergencies?
Replies: 39
Views: 3702

Re: How much is saved by taking mass transit to work?

Every time I've tried to figure it out, I've come to the conclusion that only way to save a really important amount of money on a car is not to have one. In our cases, cutting down from two cars to one in retirement has been surprisingly painless, a huge savings of money, and has been possible only ...
by nisiprius
Thu Nov 20, 2014 8:46 am
 
Forum: Personal Consumer Issues
Topic: How much is saved by taking mass transit to work?
Replies: 51
Views: 3309

Re: Pension buyout offer - Accept or reject

I worked the first 15 years of my career for a large airplane manufacturer and qualified for their pension plan. No longer with the company. Company is now trying to reduce their pension liability and has offered a buyout of $57000. If I decline, I will begin receiving the pension of $750/month at ...
by nisiprius
Wed Nov 19, 2014 8:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pension buyout offer - Accept or reject
Replies: 44
Views: 3484

Re: Online ETF graphs that show growth minus fees (expns rat

Thanks for the input. I'm learning a lot but I apparently have more to learn. I thought that growth chart shows what would have happened if I invested $10K in each of those funds 10 years ago. So I don't understand why that's not apples and apples? Because, among other things, you are not consideri...
by nisiprius
Wed Nov 19, 2014 4:53 pm
 
Forum: Investing - Theory, News & General
Topic: Online ETF graphs that show growth minus fees (expns ratio)?
Replies: 14
Views: 1183

Re: Online ETF graphs that show growth minus fees (expns rat

Thanks for all of the responses. Just to clarify since I'm somewhat new to all of this mutual fund stuff. Here's a Morningstar graph that plots JHancock Disciplined Value Mid Cap A (JVMAX) against Vanguard's Index Fund (VFINX): http://goo.gl/rxytEP If all of the expenses (except for the loads and r...
by nisiprius
Wed Nov 19, 2014 4:50 pm
 
Forum: Investing - Theory, News & General
Topic: Online ETF graphs that show growth minus fees (expns ratio)?
Replies: 14
Views: 1183

Re: I may not make my retirement goals! What to do?

mpt follower wrote:I may not make my retirement goals! What to do?
Revise your goals. They're your goals, not somebody else's. You can change them. If you've set goal and it becomes clear that it is unrealistic, the rational thing to do is to set a realistic one.
by nisiprius
Wed Nov 19, 2014 4:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: I may not make my retirement goals! What to do?
Replies: 49
Views: 3338

Re: Online ETF graphs that show growth minus fees (expns rat

ER's are included in all "official" figures. That is to say, returns are the returns you actually receive AFTER the expenses are paid... on the 1-3-5-10 year return charts, in Morningstar's charts, everywhere. Amazing, isn't it? That must be a regulation, I can't imagine the fund companies...
by nisiprius
Tue Nov 18, 2014 8:39 am
 
Forum: Investing - Theory, News & General
Topic: Online ETF graphs that show growth minus fees (expns ratio)?
Replies: 14
Views: 1183

Re: Gold And Silver As A Currency Hedge?

...Diamonds are the other one. Their industrial purposes are limited... I think their industrial purposes are fairly wide , but that synthetic diamonds (or other abrasives) work for all industrial purposes. GE actually was making and selling gem-quality synthetic diamonds in the 1990s, and I rememb...
by nisiprius
Tue Nov 18, 2014 8:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Gold And Silver As A Currency Hedge?
Replies: 125
Views: 9153

Re: Interesting Piece of Investing History

Yes, I learned about them in the 1960s as something that was established practice and taken for granted... but it was in the field of signal processing and information theory, not statistics or finance. But I think it's pretty well known among statisticians that boxcar moving averages across overlap...
by nisiprius
Tue Nov 18, 2014 7:46 am
 
Forum: Investing - Theory, News & General
Topic: Interesting Piece of Investing History
Replies: 4
Views: 1002

Re: Promo Items

Already under discussion here.... Vanguard launches new offering ... I'll be interested to see if I get a print mailing about it. Shrug. I think it's cheesy but mostly harmless. I thought their LifeTicker campaign was cheesy but mostly harmless. I'm not sure whether I think their At-Cost Cafe truck ...
by nisiprius
Tue Nov 18, 2014 7:32 am
 
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 90
Views: 9004

Re: Gold And Silver As A Currency Hedge?

The mine cars sort of looked like this: Did you have as much fun riding in them as these guys? http://www.fantasiescometrue.com/images/medium/fct_c80e829458403ef.jpg The "off to work we go" segment of Snow White is still a delightful and impressive piece of animation art. But I can't reme...
by nisiprius
Mon Nov 17, 2014 9:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Gold And Silver As A Currency Hedge?
Replies: 125
Views: 9153

Re: Vanguard Managed Payout Fund

I think your analysis is correct--you "get" what the fund is doing. The total percentage of stocks hasn't varied too much. The composition in terms of the list of components has varied quite a bit. Not quite sure when they added Global Minimum Volatility, probably when they merged the thre...
by nisiprius
Mon Nov 17, 2014 9:13 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Managed Payout Fund
Replies: 3
Views: 613

Re: Jack Bogle says VTBMX + VICSX?

Get used to being confused. As Taylor Larimore says, "There are many roads to Dublin." Once you decide to adopt the Boglehead philosophy, there are still many opinions about details. You will somehow just need to pick one that is reasonable, without ever knowing whether it was the best. VI...
by nisiprius
Mon Nov 17, 2014 8:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Jack Bogle says VTBMX + VICSX?
Replies: 15
Views: 2235

Re: Interesting Piece of Investing History

The use of an exponential moving average rather than a boxcar average is good common sense, although the application of a well-designed window function would be better yet. Boxcar averages actually manufacture periodicities in data that does not really contain them, much as a seashell manufactures &...
by nisiprius
Mon Nov 17, 2014 5:45 pm
 
Forum: Investing - Theory, News & General
Topic: Interesting Piece of Investing History
Replies: 4
Views: 1002

Re: a look at gold and its hedging value

nisiprius, I was surprised to find that Venezuela is among the top few countries where their currency obligations are significantly backed by gold: http://en.wikipedia.org/wiki/Gold_reserve Amazing! If gold is a stable store of value and the ultimate root source of value in currency how is it possi...
by nisiprius
Mon Nov 17, 2014 3:58 pm
 
Forum: Investing - Theory, News & General
Topic: a look at gold and its hedging value
Replies: 48
Views: 3198

Re: How Not to Retire

And the big take-home is the serious no-kidding danger of investing in individual stocks. Really, there is a huge degree of relative safety simply in investing in any ordinary, non-exotic, run-of-the-mill, plain-vanilla mutual fund, due to the basic protections built into the Investment Company Act ...
by nisiprius
Mon Nov 17, 2014 3:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Not to Retire
Replies: 67
Views: 6880

Re: Gold And Silver As A Currency Hedge?

Epsilon Delta wrote:It's a troy oz. So it is 10% heavier...
And thus, an ounce of feathers weighs less than an ounce of gold, but a pound of feathers weighs more than a pound of gold.
by nisiprius
Mon Nov 17, 2014 3:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Gold And Silver As A Currency Hedge?
Replies: 125
Views: 9153

Re: Vanguard vs IB for investment and IRA

There's something to be said for the convenience of keeping your accounts at a single firm. My IRA is at IB for that reason. Also, for the benefit of the thread, IB = Interactive Brokers. Are there any products at VG that you must have, and aren't available at IB? I definitely agree. There are smal...
by nisiprius
Mon Nov 17, 2014 6:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs IB for investment and IRA [Interactive Brokers]
Replies: 15
Views: 1725

Re: Explain purpose of bonds in low yields

...Like if yield go up, the price of current bonds will actually FALL right?... This is a temporary effect. And when I say "temporary," I don't mean the vague hope of reversion to the mean, I mean it is guaranteed to be temporary and you can put some rough boundaries on how long it can la...
by nisiprius
Mon Nov 17, 2014 5:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Explain purpose of bonds in low yields
Replies: 10
Views: 800

Re: Seeking Historical returns for Core Indexes

Robert Shiller has stock market data back to 1870 at http://www.econ.yale.edu/~shiller/data.htm I often make use of a print volume, which unfortunately costs about $250--I buy it used, much cheaper, but of course perpetually out of date, every few years... it is the "Ibbotson SBBI [year number]...
by nisiprius
Sun Nov 16, 2014 7:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Seeking Historical returns for Core Indexes
Replies: 10
Views: 842

Re: What Book Are You Currently Reading? Part VI

Just finished J. M. Barrie's Auld Licht Idylls . Barrie is best known as the author of "Peter Pan." I have rather mixed feelings about it. I had to read it in small doses... and find a Scottish dictionary online. One might say it belongs to the same genre as Meredith Willson's "The Mu...
by nisiprius
Sun Nov 16, 2014 4:23 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 170
Views: 15849

Re: Glidepath (target date) investments distort asset alloca

The "equity-like/bond-like" human capital stuff is, in my opinion, a garbage concept that muddies thought instead of clarifying it. To begin with, the term of "human capital" is a misnomer from the word go, because you own capital and you do not own your job. (Except for Supreme ...
by nisiprius
Sun Nov 16, 2014 12:11 pm
 
Forum: Investing - Theory, News & General
Topic: Glidepath (target date) investments distort asset allocation
Replies: 20
Views: 2736

Re: What would happen if *everyone* bought index funds?

What would happen if 99% of Americans bought all their food at the supermarket at the labelled price, rather than going to farm stands and haggling with the farmer? Forgive me for being dismissive, but many of us have heard this question many times before. It is one of a number of stock talking poin...
by nisiprius
Sun Nov 16, 2014 11:34 am
 
Forum: Investing - Theory, News & General
Topic: What would happen if *everyone* bought index funds?
Replies: 7
Views: 912
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