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Re: Who has owned a ski boat or waverunner & did you regret

I used to own a 16' aluminum (Starcraft) bow rider with 85hp outboard. It was light and easy to tow with most cars. Pulling the boat out of the water with a small car on a steep launching ramp could be a challenge because it requires both power and traction. For power to weight performance as well a...
by noyopacific
Tue Mar 03, 2015 3:05 pm
 
Forum: Personal Consumer Issues
Topic: Who has owned a ski boat or waverunner & did you regret it?
Replies: 19
Views: 1477

Re: REITs [Why did Vanguard's REIT lose 2% today?]

Why did Vanguard's REIT funds lost 2% today? REIT funds track the REIT sector. Prices will reflect movements in the REIT index. The only reason for concern is when performance differs from the REIT index. If you are looking for a rational explanation of the daily performance of this or any index or...
by noyopacific
Thu Feb 26, 2015 1:05 pm
 
Forum: Investing - Theory, News & General
Topic: REITs [Why did Vanguard's REIT lose 2% today?]
Replies: 33
Views: 3331

Re: PETITION FOR Jack Bogle's Presidential Medal of Freedom

I like Jack Bogle and his accomplishments - but the Presidential Medal of Freedom?? "an especially meritorious contribution to . . . public or private endeavors" Unless there are accomplishments that I am not aware of. Jack's CV looks pretty good to me. There might be something on it you ...
by noyopacific
Wed Feb 11, 2015 10:27 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 174
Views: 9947

Re: Where is John C. Bogle's Presidential Medal of Freedom?

Thanks.
BTW: The petition must get 150 signatures in order to be publicly searchable on WhiteHouse.gov.
by noyopacific
Wed Feb 11, 2015 10:25 am
 
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 174
Views: 9947

Re: Where is John C. Bogle's Presidential Medal of Freedom?

That sort of felt like a "Double-Dog Dare Ya!" Fine, I'll bite. Now sign and promote it. https://petitions.whitehouse.gov/petition/john-c-bogle-should-get-presidential-medal-freedom/tMKz5zyh Apologies to Phil DeMuth, I edited the heck out of what you wrote to meet the 800 character maximum...
by noyopacific
Wed Feb 11, 2015 5:52 am
 
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 174
Views: 9947

Re: How do slice and dicers rebalance?

How often do you rebalance all of those asset classes? I do it once a year. I don't have any empirical evidence or great logic to support this. I do it because once a year is convenient and it helps me to remember my wife's birthday. & Why To maintain the level of risk that I'm comfortable with...
by noyopacific
Wed Feb 11, 2015 12:13 am
 
Forum: Investing - Theory, News & General
Topic: How do slice and dicers rebalance?
Replies: 14
Views: 694

Re: Passive Investing Makes Even More Sense In Inefficient M

Morningstar's Samuel Lee: I can think of two reasons why unskilled investors would voluntarily play in an inefficient market: 1) they are delusional, unaware of their own incompetence, or 2) they are willing to lose money for the thrill of playing. Most investors who play do not do so with the expe...
by noyopacific
Tue Feb 10, 2015 11:45 pm
 
Forum: Investing - Theory, News & General
Topic: Passive Investing Makes Even More Sense In Inefficient Mkts
Replies: 8
Views: 1149

Re: What Experts Say about Individual Stocks vs. Mutual Fund

Larry Swedroe, author of many financial books: "Owning individual stocks and sector funds is more akin to speculating, not investing." Mr Swedroe also said Re REITs. The simple answer is that they are in the GOOD category in my new book on alternative investments. http://www.bogleheads.or...
by noyopacific
Tue Feb 10, 2015 9:35 pm
 
Forum: Investing - Theory, News & General
Topic: What Experts Say about Individual Stocks vs. Mutual Funds
Replies: 56
Views: 4848

Re: I'm not a bad Boglehead

Even lottery winners are often losers in the end (they squander the money.)
I hope you win and then demonstrate that the tenants of Boglehead-ism can help you overcome this kind of challenge !
http://money.cnn.com/2015/02/10/pf/lottery-winners-losers/
by noyopacific
Tue Feb 10, 2015 3:25 pm
 
Forum: Personal Consumer Issues
Topic: I'm not a bad Boglehead [buying Powerball ticket]
Replies: 101
Views: 6158

Re: Why publish indexes?

Why do Dow Jones, S&P, Wilshire and other companies create and publish indexes? The reason the major indexes were developed initially was that these media outlets report the news. Investment market indexes are a very inexpensive way to develop a popular news item to report on a daily basis. It ...
by noyopacific
Fri Feb 06, 2015 10:58 am
 
Forum: Investing - Theory, News & General
Topic: Why publish indexes?
Replies: 9
Views: 750

Re: Should we all invest in hedge funds?

The reason I want to invest in hedge funds is: ⋅ I want hot chicks. ⋅ I want a guarantee I will live to age 110 in health and happiness. ⋅ I want world peace. It's true that hedge funds can't give me any of these things, but that's a detail. I'm with Nisiprius on this....
by noyopacific
Fri Feb 06, 2015 6:19 am
 
Forum: Investing - Theory, News & General
Topic: Should we all invest in hedge funds?
Replies: 20
Views: 1425

Re: Foreign to energy

When my wife or I are inspired to try something different, we require that any changes be agreed to by both of us, then held off for six months and after that not until our next annual rebalancing date. This allows sufficient time to either regain our senses or feel satisfied that the change is reas...
by noyopacific
Fri Feb 06, 2015 4:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Foreign to energy
Replies: 10
Views: 728

Re: Would you give a homeless person 20-50 dollars?

I would not loan (or give) money to someone based only on fact that I have met them a few times and they asked. It would not bring me any pleasure and if I gave them the "loan" I would feel I had been a fool. I'd be annoyed that they asked without offering anything in return. This type of ...
by noyopacific
Fri Feb 06, 2015 1:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Would you give a homeless person 20-50 dollars?
Replies: 27
Views: 1398

Re: Does a bond fund's yield really measure risk?

I would say that yield will partially reflect a bond funds level of risk but there are some other obvious factors. Average duration of the bonds in the fund can have a large impact on the yield. Another factor could be the funds expense ratio. If one fund had higher turnover than another, trading co...
by noyopacific
Fri Feb 06, 2015 1:31 am
 
Forum: Investing - Theory, News & General
Topic: Does a bond fund's yield really measure risk?
Replies: 8
Views: 348

Re: San Francisco Bay Area Bogleheads?

You might also join the Yahoo group Bay Area Diehards (bayareadiehards.) There is occasional activity in this group, 14 postings last year. A dozen of us got together a two years ago to hear Guest Speaker Vladimir Masek, PhD (mathematics). Dr. Masek is an associate of Larry Swedroe.
by noyopacific
Wed Feb 04, 2015 10:51 am
 
Forum: Local Chapters and Bogleheads Community
Topic: San Francisco Bay Area Bogleheads?
Replies: 17
Views: 2015

Re: What was your financial situation before having first ch

Our financial situation was similar to yours. We were 36 & 43. No debt except for a mortgage. We never obsessed about money. We saved 15% or perhaps a bit more. I may be slightly obsessive about the subject of investing but have never been an active trader. My wife is an active partner in invest...
by noyopacific
Tue Feb 03, 2015 11:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: What was your financial situation before having first child?
Replies: 34
Views: 2659

Re: Vanguard survey: what should they do differently?

1. Take a more active stance on corporate governance - Vanguard is a huge shareholder in many companies, need to use that clout better 2. Disclose exec pay 3. Invest more in IT 4. A rewards program where I earn points for buying vanguard funds and can redeem for kitschy stuff like a multi purpose V...
by noyopacific
Tue Feb 03, 2015 11:27 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard survey: what should they do differently?
Replies: 72
Views: 4248

Re: How to fire a client?

This guy sounds like a typical bullying personality type. I believe that at the heart of most bullies lives a coward. Until you are willing to go "all in" and call his bluff, you will remain in the role of his victim. I would want to be reasonably certian that I were in a strong position a...
by noyopacific
Sun Feb 01, 2015 4:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to fire a client? [software ownership issues]
Replies: 69
Views: 4895

Re: What to see in Istanbul

We did most of the usual stuff: Topcapi Palace, Blue Mosque, Grand Bazar, Hagia Sophia, Cruise the Bosphorus, hanging out & eating under the Galata Bridge. One of the best off-beat things we did for our horse-crazy daughter was to go to the track to watch some horse races. This was a fun and tot...
by noyopacific
Thu Jan 29, 2015 12:05 am
 
Forum: Personal Consumer Issues
Topic: What to see in Istanbul
Replies: 35
Views: 2264

Re: What's wrong with volatility if buy&hold

Nothing to clear up really. I'd say that you appear to have a better understanding of the use of buy and hold investment strategies than does Dr. Andrew Lo, Professor of Finance, and Director of the Laboratory for Financial Engineering at MIT's Sloan School Of Management. On the other hand, Dr. Lo m...
by noyopacific
Mon Jan 26, 2015 3:33 am
 
Forum: Investing - Theory, News & General
Topic: What's wrong with volatility if buy&hold
Replies: 52
Views: 3499

Re: Adopting

Other than losing twins at 26 weeks during my wife's pregnancy, adoption is my only first hand experience with parenthood. Our daughter is 22 now and has been with us since she was 3 days old. I came from a big family and never felt there was much difference between our experience and my siblings or...
by noyopacific
Sun Jan 25, 2015 6:46 pm
 
Forum: Personal Consumer Issues
Topic: Adopting
Replies: 29
Views: 2602

Re: "Its Time To End Financial Advisers 1% Fees"

I believe that one important part of the role of financial advisors is under appreciated. People also choose an advisor for reassurance. Unfortunately this is often delivered in the form of the advisors image: an elegant office, expensive clothes and other accouterments. If that is what someone need...
by noyopacific
Sun Jan 25, 2015 5:20 pm
 
Forum: Investing - Theory, News & General
Topic: "Its Time To End Financial Advisers 1% Fees"
Replies: 102
Views: 8236

Re: [Lack of] Auto-rebalancing tool at Vanguard

. . . I suppose another way to view it is if the investor can't handle the operation by themselves every few years, then perhaps their portfolio is unnecessarily complex? My wife and I have several accounts and we are "splitters" rather than "lumpers" so the portfolio is somewha...
by noyopacific
Sat Jan 24, 2015 1:21 pm
 
Forum: Investing - Theory, News & General
Topic: [Lack of] Auto-rebalancing tool at Vanguard
Replies: 68
Views: 12917

Re: QuitClaim Deed

You might check with a local title insurance company and ask if they will do it for you. If so, this should be less costly than using a lawyer and will probably have lower risk of errors.
by noyopacific
Sat Jan 24, 2015 1:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: QuitClaim Deed
Replies: 36
Views: 2672

Re: Flagship financial planner advice?

My wife & I recently spoke with a Vanguard Retirement Advisor. I think this is a new service, possibly even one that is still in the testing phase. They had contacted her to offer the consultation. I think that it was free but if there was a fee, it was nominal. It was very good, especially sinc...
by noyopacific
Sat Jan 24, 2015 12:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Flagship financial planner advice?
Replies: 54
Views: 5410

Re: Is a financial advisor going to help?

Many of your questions are tax-related and would be better addressed by your accountant (who is presumably fully aware of your tax situation) than a financial advisor. Regarding buying another rental unit. I can't think of anyone that might be especially qualified and free of any conflict of interes...
by noyopacific
Sat Jan 24, 2015 12:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is a financial advisor going to help?
Replies: 20
Views: 2017

Re: Gotta Be a Bear Market Coming

The bear is always coming, except when he's leaving. I have no idea when the bear will arrive. While I don't hear anyone suggesting that stocks are cheap now, I don't run into very many folks outside of this forum that want to talk about investing. It seems to me like there is still enough caution a...
by noyopacific
Fri Jan 23, 2015 4:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Gotta Be a Bear Market Coming
Replies: 64
Views: 7776

Re: The DOW: An Index I Love to Hate

noyopacific: Fair criticism.....but what index/algorithm would you suggest as a superior replacement? The S&P 500 is a fair alternative in that it covers a much larger portion of the domestic equity landscape. The MSCI US Broad Market or Wilshire 5000 both represent over 99% of the total invest...
by noyopacific
Sun Jan 18, 2015 8:05 pm
 
Forum: Investing - Theory, News & General
Topic: The DOW: An Index I Love to Hate
Replies: 27
Views: 1968

The DOW: An Index I Love to Hate

While The Dow Jones Industrial Average (DJIA) has long been the most cited and widely recognized US stock market index. The first reaction I feel whenever I hear it mentioned is: “What a bunch of rubes !” No serious investor follows The DOW. I am proud to report that I couldn’t tell you within 1000 ...
by noyopacific
Sun Jan 18, 2015 7:44 pm
 
Forum: Investing - Theory, News & General
Topic: The DOW: An Index I Love to Hate
Replies: 27
Views: 1968

Re: Why no cult/theory/strategy of US regional stock investi

I think that Nisiprius has a very interesting suggestion. Since managed funds have become increasingly difficult to sell and the tide has shifted to index/passive management, one of the only ways a fund provider can distinguish themselves is to offer ever finer slices of the equity landscape. Obviou...
by noyopacific
Sat Jan 17, 2015 4:22 pm
 
Forum: Investing - Theory, News & General
Topic: Why no cult/theory/strategy of US regional stock investing?
Replies: 21
Views: 1624

Re: How does an Efficient Market explain Buffett?

I will suggest that EMH is first only a hypothesis. I believe that EMH was initially used as an assumption to try and explain why some asset classes produced better returns (conclusion = risk.) Larry Swedroe has suggested that much of Buffett's success might be due to taking advantage of small-cap a...
by noyopacific
Wed Jan 14, 2015 7:14 pm
 
Forum: Investing - Theory, News & General
Topic: How does an Efficient Market explain Buffett?
Replies: 257
Views: 13274

Now Dividend Aristocrats are Better !

Nick Vardi is at it again: http://www.marketwatch.com/story/heres-another-reason-to-dump-your-index-fund-2015-01-09 Vardi says: "I recently had the temerity to recommend an equally weighted S&P 500 index fund as an alternative to Vanguard’s market-cap-weighted S&P 500 Index fund. Bogleh...
by noyopacific
Sat Jan 10, 2015 10:18 pm
 
Forum: Investing - Theory, News & General
Topic: Equal Weighted Funds - Better?
Replies: 31
Views: 2627

Re: Just left meeting with my advisor....

malesi1 Welcome to the forum! Here is a tip that might make transferring your account cheaper, easier and simpler. Don't notify your current advisor of your intent to terminate your client relationship. Contact the investment company where you intend to move your account, give them all of the inform...
by noyopacific
Thu Jan 08, 2015 11:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just left meeting with my advisor....
Replies: 57
Views: 7845

Re: security camera outside away from a power source

There are battery powered motion detecting IR cameras for this sort of thing in the 200-300 dollar range. Since license plates are supposed to be lit at night maybe you will get lucky. I just got a Stealth Cam P12 for $80 + $16 for a 32 Gb Memory card and whatever 8 AA batteries cost. http://www.am...
by noyopacific
Sat Dec 13, 2014 8:38 pm
 
Forum: Personal Consumer Issues
Topic: security camera outside away from a power source
Replies: 18
Views: 1795

Re: My first non fee adivsor meeting..confused

TwoByFour wrote: . . .And consider whether you want a SEP.


+1
An accountant recommended SEP's for my wife & I over 20 years ago. I don't know if the tax considerations have changed.
by noyopacific
Sat Dec 13, 2014 2:39 am
 
Forum: Investing - Help with Personal Investments
Topic: My first non fee advisor meeting..confused
Replies: 35
Views: 4742

Re: You folks think the big one is coming?

LowER wrote:“It's tough to make predictions, especially about the future.” Yogi Berra


But when it happens, It's probably going to be like déjà vu all over again.
by noyopacific
Sat Dec 13, 2014 1:28 am
 
Forum: Investing - Theory, News & General
Topic: You folks think [a market crash] is coming?
Replies: 64
Views: 5805

Re: Is monthly rebalancing too frequent?

On a related note, I heard the money must stay in the VG fund for 90 to move it without fee but how does that work with money already in an account? These are not my real investment numbers: There is a fee if you sold and then repurchased shares in most Vanguard Mutual Funds within a short time per...
by noyopacific
Fri Dec 12, 2014 1:45 pm
 
Forum: Investing - Theory, News & General
Topic: Is monthly rebalancing too frequent?
Replies: 26
Views: 1567

Re: Oil / Energy ETFs

Many energy and oil ETFs are down significantly. What are the arguments against buying an oil ETF now, on the premise that it's currently cheap? After reading all of the previous posts, I may have a different perspective to add. I made Vanguards Energy Mutual Fund (VGENX) a permanent part of my por...
by noyopacific
Sat Nov 29, 2014 6:08 pm
 
Forum: Investing - Theory, News & General
Topic: Oil / Energy ETFs
Replies: 58
Views: 4597

Re: Vanguard Personal Performance History: 10 Years

Each to his own, but what would you learn from Vanguard's detailed accounting of all your accounts that you do not already know from your year-end balance? L. I like to look and see if I have gotten any bonus or penalty from my annual rebalancing. I slice & dice quite a bit. I even have some se...
by noyopacific
Mon Nov 24, 2014 7:37 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Personal Performance History: 10 Years
Replies: 13
Views: 2233

Re: Vanguard Personal Performance History: 10 Years

I sent the question to my Vanguard Representative. "When did Vanguard start showing 10 years of personal performance history ?" Dear Mr. Martin: Thank you for your inquiry. We expanded he personal performance history time range to 10 years in early September, 2014. Sincerely, . . . Also: I...
by noyopacific
Mon Nov 24, 2014 6:12 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Personal Performance History: 10 Years
Replies: 13
Views: 2233

Re: Vanguard Personal Performance History: 10 Years

Thanks Nisiprius. I had noticed the earlier posts about the 5-year performance limit and suggestions that 10 years history would be better. I wonder when it started and how it seems to have been kept so quiet.
by noyopacific
Sat Nov 22, 2014 9:35 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Personal Performance History: 10 Years
Replies: 13
Views: 2233

Re: What percent "Boglehead" are you?

I'm enjoying reading the comments on this topic. I will suggest that the OP, RunningRad may be describing an overly pious (as in: radical fundamentalist) view of the Boglehead Philosophy. If I were looking for a Ten Commandments of Bogleheads , I would look no farther than this: Bogleheads Investmen...
by noyopacific
Sat Nov 22, 2014 7:23 pm
 
Forum: Investing - Theory, News & General
Topic: What percent "Boglehead" are you?
Replies: 125
Views: 10361

Vanguard Personal Performance History: 10 Years

When did Vanguard start showing 10 years of personal performance history ? I have been traveling and don't check my account when I'm on the road. I don't look at my personal performance charts very often because they don't usually change very dramatically; until last night. I went to the personal pe...
by noyopacific
Sat Nov 22, 2014 6:22 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Personal Performance History: 10 Years
Replies: 13
Views: 2233

Re: Tell me about FitBit - is it worth having?

My wife wanted one and got it for Christmas last year. I believe the model she got was the Flex. She had minor trouble with the interface but seemed to be getting it. The bigger issue was with the clasp that held the band. It was constantly popping loose and falling off. She took it to a local shop ...
by noyopacific
Fri Nov 21, 2014 11:38 pm
 
Forum: Personal Consumer Issues
Topic: Fitbit, Vivofit, or other?
Replies: 55
Views: 2845

Re: TSM vs S&P500

I wondered why Warren Buffett has consistantly recommended the S&P 500 fund, most notably in his hedge fund wager and more recently for his wife in the event he predeceases her. I don't think that there is much chance he isn't aware of total stock market fund and the reasons one might choose it ...
by noyopacific
Fri Nov 21, 2014 3:04 am
 
Forum: Investing - Theory, News & General
Topic: TSM vs S&P500
Replies: 25
Views: 2981

Re: Good books about Warren Buffett?

If depends on whether you want to read about Warren Buffett the person or are more interested in his work. I'd recommend Snowball if you want to read about his life beyond only his career. It is a warts and all biography, the only one Buffett ever authorized. Gossipy ? It was certainly revealing but...
by noyopacific
Tue Nov 11, 2014 5:53 pm
 
Forum: Investing - Theory, News & General
Topic: Good books about Warren Buffett?
Replies: 18
Views: 1110

Re: Most Efficient Human Powered Boat

I have several kayaks, a rowing shell, and a seacycle pedal boat. I would pick my FrontRower powered kayak to cover the most distance with the least effort for an hour or longer. Being somewhat frugal, I didn't want to buy a new FrontRower so I searched Craigslist (the entire USA) for a few months t...
by noyopacific
Mon Nov 10, 2014 5:56 pm
 
Forum: Personal Consumer Issues
Topic: Most Efficient Human Powered Boat
Replies: 13
Views: 1580

Re: Paying portfolio fees to Fidelity vs investing on own

Is Fidelity likely to put up any sort of resistance when they learn that javelin1968 plans to make some changes that will significantly reduce their fees from him. What kind of resistance do you think that they can put up? I was just wondering if Fidelity representatives might have a sales script t...
by noyopacific
Wed Nov 05, 2014 5:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Paying portfolio fees to Fidelity vs investing on own
Replies: 17
Views: 1505

Re: Paying portfolio fees to Fidelity vs investing on own

Is Fidelity likely to put up any sort of resistance when they learn that javelin1968 plans to make some changes that will significantly reduce their fees from him.
by noyopacific
Wed Nov 05, 2014 11:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Paying portfolio fees to Fidelity vs investing on own
Replies: 17
Views: 1505
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