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Re: U.S. stocks in freefall

Why is it, that, on every forum, the longest running threads are always titled: - US stocks in freefall, - discuss the recent volatility in stock markets, - what's up with stocks going down. Because pre-cortex area needs support to suppress the amygdala. And surprizingly, these threads are started:...
by oragne lovre
Tue Dec 16, 2014 10:21 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1056
Views: 186202

Re: U.S. stocks in freefall

Dow down 99.99? Relax, Santa Claus Rally is just around the corner !!! Maybe the Santa Claus rally isn't real. Maybe it's just something our parents made up to make us want to hold stocks in December. :shock: Santa Claus is just around the corner and probably going to give well-behaved buy-and-hold...
by oragne lovre
Tue Dec 16, 2014 10:08 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1056
Views: 186202

Re: U.S. stocks in freefall

A "freefall" around the period when funds pay dividend is not a bad thing. For those who re-invest their dividend, their money may get them a bit more equity.
by oragne lovre
Fri Dec 12, 2014 11:48 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1056
Views: 186202

Re: "Why Retirement at 65 is a Fairy Tale"

What is the main purpose of these "research" papers? (1) Do they want to warn those people who did not save that they cannot retire at 65? Maybe too late. (2) Do they want to warn the government and the society that many people will not retire comfortably at 65? So we may see employment p...
by oragne lovre
Fri Dec 12, 2014 10:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Why Retirement at 65 is a Fairy Tale"
Replies: 117
Views: 11487

Re: "Why Retirement at 65 is a Fairy Tale"

This is what I think my wife and I could survive with a paid off (small) house: $7,500 food & groceries $1,500 property tax $1,500 insurance(s) $3,000 medicals $1,000 gas $1,500 utilities $2,000 other things ------------------------------- $18,000 However, we are planning for a minimum floor wi...
by oragne lovre
Thu Dec 11, 2014 1:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Why Retirement at 65 is a Fairy Tale"
Replies: 117
Views: 11487

Re: Documentaries to recommend?

OSUmountaineer wrote:The Two Escobars - about the relationship between the Medellin drug cartel in Colombia and the murder of Andres Escobar, a soccer player who scored an own goal in the 1994 World Cup against the USA.

Fantastic.


Where did you watch it?
by oragne lovre
Mon Dec 01, 2014 4:49 am
 
Forum: Personal Consumer Issues
Topic: Documentaries to recommend?
Replies: 86
Views: 6848

Re: How did you handle the 2008 bear market ?

Welcome to the forum! - How did you handle the 2008 bear market ? It was not an easy time but I trained myself to become more resilient. Specifically, I decided to train for marathons to maintain long-term perspectives. It's a good thing that the portfolio has returned well and I've become a better ...
by oragne lovre
Mon Dec 01, 2014 4:12 am
 
Forum: Investing - Theory, News & General
Topic: How did you handle the 2008 bear market ?
Replies: 79
Views: 6238

Re: What do you splurge on?

1. Home theater systems, SACDs, DVD audio discs - I got to listen to those whistles and bells
2. Marathon-related travels - I just love running through places that I visit; the next one is Paris
3. Books, CDs, software, apps that teach foreign languages
by oragne lovre
Sat Nov 22, 2014 12:45 am
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 231
Views: 19631

Re: If your networth is over $3 million, how did you do it?

Hello..just curious for those of you who has a net worth over $3 million, what was the most significant source of those savings? Inheritance, real estate, business income, salary or just appreciate in your stock market investments? This is a tough question for those who want to chime in but do not ...
by oragne lovre
Wed Nov 12, 2014 1:34 am
 
Forum: Personal Finance (Not Investing)
Topic: If your networth is over $3 million, how did you do it?
Replies: 270
Views: 33342

Re: How to avoid AMT

Keep in mind that this is a thread from 2010, and that tax changes since that point have likely changed the appeal and strategy for income shifting. The marginal rates at the high end are higher due to a) the 39.6% rate, b) the personal exemption phase out, c) the itemized deduction phase out, d) t...
by oragne lovre
Mon Nov 10, 2014 10:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to avoid AMT
Replies: 51
Views: 9297

Re: For the next year or so, why shouldn't we be in all-cas

I have no doubt that interest rates will rise next year. Economists writing in the International Monetary Fund's 2014 World Economic Outlook note that global real interest rates have been trending lower since 1982, long before the Great Recession and the Fed's quantitative easing program — and to q...
by oragne lovre
Mon Nov 10, 2014 10:06 pm
 
Forum: Investing - Theory, News & General
Topic: For the next year or so, why shouldn't we be in all-cash?
Replies: 54
Views: 7517

Re: How to avoid AMT

I've resurrected this four-year-old thread since I've found it help me understand the issue. The caveat is that it might be outdated. Just curious if there is any change of $433,800 phase-out threshold?
by oragne lovre
Sun Nov 02, 2014 8:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to avoid AMT
Replies: 51
Views: 9297

Re: What are you up YTD?

I apologize for responding with questions. However: Why check this? Is this part of your IPS? Does it make you feel better? What’s the fun of being on a roller coaster if you’re just gonna close your eyes throughout the ride? The caveat of having fun with core long-term investment is that one may r...
by oragne lovre
Fri Oct 31, 2014 10:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 213
Views: 18766

Re: "Why Bother With Bonds" -- A Gem

Bogleheads: Rick Van Ness is a successful private investor and retired executive who provides investor education using online videos, short books, and workshops. Rick has an MBA in Finance and is a valuable contributor to our forum and our wiki. Below are excerpts from his latest book, Why Bother W...
by oragne lovre
Fri Oct 31, 2014 7:23 pm
 
Forum: Investing - Theory, News & General
Topic: "Why Bother With Bonds" -- A Gem
Replies: 33
Views: 8846

Re: What are you up YTD?

gkaplan wrote:I'll let you know at the end of the year, if this thread is still active.


+1
by oragne lovre
Fri Oct 31, 2014 6:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 213
Views: 18766

Re: Why do Engineers Think They’ll Be Good at Picking Stocks

Sunny Sarkar wrote:...Where we go wrong is in identifying very complex systems in real life that have too many variables to which this methods do not apply - like ... relationships, economy, stock picking, etc. .


+101. And the best sentence of the best post on this thread!!!
by oragne lovre
Mon Oct 27, 2014 8:51 pm
 
Forum: Investing - Theory, News & General
Topic: Why do Engineers Think They’ll Be Good at Picking Stocks?
Replies: 135
Views: 10776

Re: Why do Engineers Think They’ll Be Good at Picking Stocks

I assume Newton knew a lot about math but he still lost his money in the tulip craze. It was follow-the-herd behavioral issue, not the math, that did him in.
by oragne lovre
Fri Oct 24, 2014 11:53 pm
 
Forum: Investing - Theory, News & General
Topic: Why do Engineers Think They’ll Be Good at Picking Stocks?
Replies: 135
Views: 10776

Re: Tesla S

The subject line of this thread should become "Tesla SX" since model X is also frequently discussed about.
But don't hold your breath for model E since BMW makes a big fuss about it :mrgreen:
by oragne lovre
Thu Oct 23, 2014 1:59 pm
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 556
Views: 64895

Re: Why do Engineers Think They’ll Be Good at Picking Stocks

To become a better investor, one should learn from other fields that are not related to one's expertise. I agree with the author on this point.
by oragne lovre
Thu Oct 23, 2014 1:35 pm
 
Forum: Investing - Theory, News & General
Topic: Why do Engineers Think They’ll Be Good at Picking Stocks?
Replies: 135
Views: 10776

Re: Should I (physician) get an MBA?

Should I get an MBA? I have an MD and am practicing in a large healthcare organization as a specialty physician. I am recently out of training. I was thinking of pursuing a part-time or executive MBA to get involved in administration later in my career. I wanted to get some knowledge and also to ge...
by oragne lovre
Wed Oct 22, 2014 10:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I (physician) get an MBA?
Replies: 31
Views: 3769

Re: Headed for a 300+ point loss today?

autonomy wrote:Aaaaand we're on our way up this rollercoaster. This comic captures it perfectly:

Image


A cartoon that is worth a thousand words :)
I've noticed that this thread has been quiet for about 72 hours.
by oragne lovre
Tue Oct 21, 2014 7:41 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 464
Views: 36389

Re: Headed for a 300+ point loss today?

I care if the market makes big moves because my entire rebalancing strategy is based on such moves. On a daily basis? If needed, yes. For instance, if the market drops 5% tomorrow, I will rebalance. If it drops a further 5% on Monday, I will rebalance. If it drops 10% on Tuesday, I will rebalance. +1
by oragne lovre
Fri Oct 10, 2014 12:36 am
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 464
Views: 36389

Re: What's Your Takeaway from 2014 High Valuation

livesoft wrote:
oragne lovre wrote:I don't know if the equity market is now at its peak or not

A few asset classes are more than 5% off their peaks. It might be time to rebalance soon.


I'm doing "opportunistic" re-balancing gradually :happy
by oragne lovre
Thu Sep 25, 2014 12:14 am
 
Forum: Investing - Theory, News & General
Topic: What's Your Takeaway from 2014 High Valuation
Replies: 52
Views: 4403

Re: What's Your Takeaway from 2014 High Valuation

I do know that stocks are highly valued now. How do you know this? Did you read it as a headline on Yahoo? I used to say the same things until I was wisened up by the Boglehead's reading list. Have you tried reading any of those books? I'm legitimately trying to be helpful. No snark intended. Thank...
by oragne lovre
Wed Sep 24, 2014 4:08 pm
 
Forum: Investing - Theory, News & General
Topic: What's Your Takeaway from 2014 High Valuation
Replies: 52
Views: 4403

What's Your Takeaway from 2014 High Valuation

I don't know if the equity market is now at its peak or not. I do know that stocks are highly valued now. I promise to myself one thing: "Do not let my shirt pulled up so high that it blindfolds my eyesight. I might lose my shirt that way."
by oragne lovre
Wed Sep 24, 2014 10:39 am
 
Forum: Investing - Theory, News & General
Topic: What's Your Takeaway from 2014 High Valuation
Replies: 52
Views: 4403

Re: Who holds your Solo 401k?

EmergDoc wrote:Mine is at Vanguard, but there are good reasons to go somewhere else:

http://whitecoatinvestor.com/where-to-o ... solo-401k/

Etrade, for instance, should get a mention on this thread.


+1
by oragne lovre
Mon Sep 22, 2014 6:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Who holds your Solo 401k?
Replies: 37
Views: 2428

Re: Do I need to send in estimated tax????

placeholder wrote:
oragne lovre wrote:Is this site trustworthy? It asks for SSNs.

What do you mean?


This site asks for your full name and social security number.
by oragne lovre
Sat Sep 20, 2014 12:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Do I need to send in estimated tax????
Replies: 32
Views: 2111

Re: Do I need to send in estimated tax????

Yes, probably, but it depends. Do you meet one of the so-called "safe harbors" for paying taxes? [Link removed. (I had the link for the text of safe harbor and not for anything else. No one should pay a fee to pay taxes.] Why not have taxes withheld from your pension paychecks? Is this si...
by oragne lovre
Fri Sep 19, 2014 11:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I need to send in estimated tax????
Replies: 32
Views: 2111

Re: Jason's Zweig's new dictionary ---enjoy

I've extremely enjoyed, especially the "averaging down."
by oragne lovre
Thu Sep 18, 2014 11:14 pm
 
Forum: Investing - Theory, News & General
Topic: Jason's Zweig's new dictionary ---enjoy
Replies: 28
Views: 2772

Re: Buying CDs

Dandy, What a terrific synopsis of direct vs. brokered CDs! I am in the process of slowing converting CDs with numerous different banks to brokered issues under the Vanguard umbrella. Getting a little tired of dealing with different banks and waiting for the funds through checks or ACH as they come...
by oragne lovre
Mon Sep 15, 2014 10:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Buying CDs
Replies: 30
Views: 3631

Re: Clean, quiet, safe and cheap. Is there such a travel pla

Are you thinking of just living on a rural farm somewhere in the middle of nowhere? I hear this is what a farmhouse in parts of France are like. They come with a one-speed bike to ride into town for a baguette and cheese. Do you happen to have links to such French places? Here is a place used by my...
by oragne lovre
Fri Sep 12, 2014 11:28 pm
 
Forum: Personal Consumer Issues
Topic: Clean, quiet, safe and cheap. Is there such a travel place?
Replies: 75
Views: 5919

Re: Buffett: Modern investment theory is horse-pucky

A journalist's lack of understanding of Modern Portfolio Theory results in, intentionally or un-intentionally, what borders on a journalistic fraud. The journalist's undesirable article, however, creates an exciting debate. "Wow. Just Wow. Breathtaking. Bookmarked." As opposed to Nisiprius...
by oragne lovre
Fri Sep 12, 2014 10:42 pm
 
Forum: Investing - Theory, News & General
Topic: Buffett: Modern investment theory is horse-pucky
Replies: 119
Views: 10467

Re: Calculated Spending: Cars

For Warren Buffett, he does not spend .00000...1% of his assets to buy a car. Too many zeros. A Cadillac DTS is about $40,000 Warren Buffett's net worth is about $64 billion. That's a whopping 0.00006%. Cars are expensive, even for the insanely wealthy. Did that need a smilie? Warren Buffett is def...
by oragne lovre
Fri Sep 12, 2014 8:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Calculated Spending: Cars
Replies: 42
Views: 2974

Re: Calculated Spending: Cars

I've always used the IRS mileage reimbursement rate as a benchmark. I only mention this as a cost comparison to judge how much is cheap/expensive. It also provides a reminder to consider total life cycle cost of the car. You can check Pub 17 or whatever IRS info covers this, but it seeks to roll up...
by oragne lovre
Fri Sep 12, 2014 7:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Calculated Spending: Cars
Replies: 42
Views: 2974

Re: Clean, quiet, safe and cheap. Is there such a travel pla

livesoft wrote:Are you thinking of just living on a rural farm somewhere in the middle of nowhere? I hear this is what a farmhouse in parts of France are like. They come with a one-speed bike to ride into town for a baguette and cheese.


Do you happen to have links to such French places?
by oragne lovre
Thu Sep 11, 2014 11:54 pm
 
Forum: Personal Consumer Issues
Topic: Clean, quiet, safe and cheap. Is there such a travel place?
Replies: 75
Views: 5919

Re: Calculated Spending: Cars

I've always used the IRS mileage reimbursement rate as a benchmark. I only mention this as a cost comparison to judge how much is cheap/expensive. It also provides a reminder to consider total life cycle cost of the car. You can check Pub 17 or whatever IRS info covers this, but it seeks to roll up...
by oragne lovre
Thu Sep 11, 2014 9:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Calculated Spending: Cars
Replies: 42
Views: 2974

Re: "Why 97% of People Don't Use 529 College Savings Plans."

JustinR wrote:I'm in California. I haven't read very much about 529 plans, is it worth pursuing if you've maxed out all your other retirement funds?


It's worth it. I use Vanguard age-based portfolios for my children.
by oragne lovre
Thu Sep 11, 2014 11:03 am
 
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 110
Views: 11161

Re: Calculated Spending: Cars

I've always used the IRS mileage reimbursement rate as a benchmark. For 2014, IRS standard mileage rate is $0.56 per mile for business miles driven. Let's say that one drives 10,000 business miles a year, IRS standard mileage reimbursement is $5600 per year. If that person plans to drive the car fo...
by oragne lovre
Thu Sep 11, 2014 10:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Calculated Spending: Cars
Replies: 42
Views: 2974

Re: Calculated Spending: Cars

livesoft wrote:No more than the amount your portfolio has gone up or down in one single day in the past 12 months.


Any particular reason for this suggestion?
by oragne lovre
Wed Sep 10, 2014 7:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Calculated Spending: Cars
Replies: 42
Views: 2974

Calculated Spending: Cars

A lot of people see their cars as toys; many others consider them as necessary tools that make daily lives safer and more productive. I belong to the latter group. Having scanned some recent posts, I have not seen ones that discuss about a sensible spending for those who definitely need replacement ...
by oragne lovre
Wed Sep 10, 2014 6:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Calculated Spending: Cars
Replies: 42
Views: 2974

Re: POLL: What was the first stock you ever bought?

I bought one share of Tesla after many years of index investment. I've got it because I like green-car concept, Tesla business model, and a fun "roller-coaster ride" by owning an individual stock. I plan to hold this one share for many years though :)
by oragne lovre
Fri Sep 05, 2014 9:52 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: What was the first stock you ever bought?
Replies: 74
Views: 3030

Re: Marathon Running and Long-term Investing

Noam Wasserman, author of The Founder's Dilemmas, makes another metaphorical comparison between a marathon and founding of a startup business : "Members of entrepreneurial community often say that the founding process is "a marathon made up of a series of 100-yard dashes." Every 100 y...
by oragne lovre
Mon Sep 01, 2014 11:20 pm
 
Forum: Personal Consumer Issues
Topic: Marathon Running and Long-term Investing
Replies: 19
Views: 1866

Re: "The Best of Times. An Interview with Jonathan Clements"

Jonathan Clements is also my favorite columnist. His reflection and action on 2008-2009 period resonate with mine.
As always, many thanks for another excellent post.
by oragne lovre
Fri Aug 29, 2014 10:26 am
 
Forum: Investing - Theory, News & General
Topic: "The Best of Times. An Interview with Jonathan Clements"
Replies: 3
Views: 598

Re: Emerging markets 1900-2013

OP started an interesting post that has triggered interesting comments. I, however, have to admit that I don't fully understand how the OP has reached such a specific recommendation of 13% allocation to EM. It's nevertheless an excellent thread for me to learn more about the history of emerging mark...
by oragne lovre
Thu Aug 28, 2014 12:54 am
 
Forum: Investing - Theory, News & General
Topic: Emerging markets 1900-2013
Replies: 54
Views: 6076

Re: U.S. stocks in freefall

Lots of Bogleheads seem to simultaneously hold the following contradictory views: (1) You can't time the market. (2) When stocks fall, it's a great time to buy. +1 I think there is a subtle difference between "time the market" phrase, which means predicting the up and down of the market, ...
by oragne lovre
Fri Aug 08, 2014 1:04 am
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1056
Views: 186202

Re: What actions to take in a stock market crash?

oldzey wrote:Tax harvest, look for bargains, reevaluate the amount of risk (pain) you are willing to bear, rebalance portfolio, tighten belt, and stay the course.


Well said! End of discussion :beer
by oragne lovre
Thu Aug 07, 2014 9:20 pm
 
Forum: Investing - Theory, News & General
Topic: What actions to take in a stock market crash?
Replies: 85
Views: 5900

Re: Marathon Running and Long-term Investing



Livesoft,

Thanks for the interesting article, which reminds me that I should pace myself even more evenly in upcoming October Long Beach Marathon.
by oragne lovre
Thu Aug 07, 2014 10:47 am
 
Forum: Personal Consumer Issues
Topic: Marathon Running and Long-term Investing
Replies: 19
Views: 1866

Re: Marathon Running and Long-term Investing

...Translation: let all the actively managed rabbits run out ahead, then pass them up later with boring index funds. Works every time. Thank you for pointing out the inherently boring similarity of both running long-distance and investing in index funds. Yes, they both appear boring to death to man...
by oragne lovre
Wed Aug 06, 2014 11:44 pm
 
Forum: Personal Consumer Issues
Topic: Marathon Running and Long-term Investing
Replies: 19
Views: 1866

Re: Marathon Running and Long-term Investing

The fifth lesson is that investing, like marathon running, is "an experiment of one" (to quote George Sheehan ). You have to find the shoe that works for you , and the training plan that works for you , and the diet that works for you , and.... well you get the idea. Veteran marathoners c...
by oragne lovre
Wed Aug 06, 2014 11:02 am
 
Forum: Personal Consumer Issues
Topic: Marathon Running and Long-term Investing
Replies: 19
Views: 1866

Marathon Running and Long-term Investing

With a single-digit decline of the market, there are several threads implying a falling sky. Some buy-and-hold, stay-the-course bogleheads recommend some tactics that help cope with a falling-sky when it truly occurs. In my opinion, long-distance running such as marathon tremendously helps reinforce...
by oragne lovre
Wed Aug 06, 2014 3:05 am
 
Forum: Personal Consumer Issues
Topic: Marathon Running and Long-term Investing
Replies: 19
Views: 1866
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