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

I've extremely enjoyed, especially the "averaging down."
by oragne lovre
Fri Sep 19, 2014 12:14 am
 
Forum: Investing - Theory, News & General
Topic: Jason's Zweig's new dictionary ---enjoy
Replies: 23
Views: 1691

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 11:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Buying CDs
Replies: 30
Views: 3298

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
Sat Sep 13, 2014 12:28 am
 
Forum: Personal Consumer Issues
Topic: Clean, quiet, safe and cheap. Is there such a travel place?
Replies: 75
Views: 5539

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 11:42 pm
 
Forum: Investing - Theory, News & General
Topic: Buffett: Modern investment theory is horse-pucky
Replies: 119
Views: 8983

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 9:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Calculated Spending: Cars
Replies: 42
Views: 2823

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 8:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Calculated Spending: Cars
Replies: 42
Views: 2823

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
Fri Sep 12, 2014 12:54 am
 
Forum: Personal Consumer Issues
Topic: Clean, quiet, safe and cheap. Is there such a travel place?
Replies: 75
Views: 5539

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 10:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Calculated Spending: Cars
Replies: 42
Views: 2823

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 12:03 pm
 
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 110
Views: 10248

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 11:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Calculated Spending: Cars
Replies: 42
Views: 2823

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 8:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Calculated Spending: Cars
Replies: 42
Views: 2823

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 7:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Calculated Spending: Cars
Replies: 42
Views: 2823

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 10:52 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: What was the first stock you ever bought?
Replies: 74
Views: 2743

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
Tue Sep 02, 2014 12:20 am
 
Forum: Personal Consumer Issues
Topic: Marathon Running and Long-term Investing
Replies: 19
Views: 1695

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 11:26 am
 
Forum: Investing - Theory, News & General
Topic: "The Best of Times. An Interview with Jonathan Clements"
Replies: 3
Views: 575

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 1:54 am
 
Forum: Investing - Theory, News & General
Topic: Emerging markets 1900-2013
Replies: 53
Views: 5038

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 2:04 am
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 802
Views: 136375

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 10:20 pm
 
Forum: Investing - Theory, News & General
Topic: What actions to take in a stock market crash?
Replies: 85
Views: 5582

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 11:47 am
 
Forum: Personal Consumer Issues
Topic: Marathon Running and Long-term Investing
Replies: 19
Views: 1695

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
Thu Aug 07, 2014 12:44 am
 
Forum: Personal Consumer Issues
Topic: Marathon Running and Long-term Investing
Replies: 19
Views: 1695

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 12:02 pm
 
Forum: Personal Consumer Issues
Topic: Marathon Running and Long-term Investing
Replies: 19
Views: 1695

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 4:05 am
 
Forum: Personal Consumer Issues
Topic: Marathon Running and Long-term Investing
Replies: 19
Views: 1695

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

Ok, so sell bonds and buy stocks. But what if the knife keeps falling? Like I said- let's say you sold bonds and bought stocks after a 30% stock crash. Then 1 month later, or some time later, it falls another 30%. How do you decide when to "pull the trigger" on that falling knife?? The mo...
by oragne lovre
Tue Aug 05, 2014 12:34 am
 
Forum: Investing - Theory, News & General
Topic: What actions to take in a stock market crash?
Replies: 85
Views: 5582

Re: Where does 4% start

The 4% works best as a guideline for pre-retirement planning. Actual retirees do not necessarily have to spend all annual 4%; if they are comfortable and happy with 3% withdrawal of a particular year, then stay with 3% for the year. It goes back to "living below, or within, your means."
by oragne lovre
Sun Aug 03, 2014 3:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where does 4% start
Replies: 28
Views: 2938

Re: How many families use 529 plans?

For most Americans, 529s are an iffy proposition. The primary gains are: 1. state tax credit; 2. forced or at least siloed savings. The disadvantages are: 1. the average American doesn't go to college; 2. the average American could pay 0% tax in long term capital gains even without a 529; 3. the av...
by oragne lovre
Sat Aug 02, 2014 9:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: How many families use 529 plans?
Replies: 107
Views: 6658

Re: Huff Post: How Financially Literate Is the Investing Pub

It's an interesting quiz and I want to throw in my two-cents. 1. As several persons already point out the imperfect wording and thus incorrect answer to question 12, I won't go back to it. I also feel that question 5 is not perfectly worded either. The reason is that question 5 leaves out the import...
by oragne lovre
Fri Aug 01, 2014 1:42 am
 
Forum: Investing - Theory, News & General
Topic: Huff Post: How Financially Literate Is the Investing Public?
Replies: 52
Views: 4675

Re: RBD here yet? (DOW -300points drop) [Really Bad Day]

bargainhuntingking wrote:While the pessimists have already spoken, RBD means, to the optimist, Rebalancing Bonus Day.


RBD = Really Bad Day (for some) vs Re-balancing Bonus Day vs Re-balancing Big Day vs Re-entering through Back Door (as far as IRA is concerned)
by oragne lovre
Fri Aug 01, 2014 12:33 am
 
Forum: Investing - Help with Personal Investments
Topic: RBD here yet? (DOW -300points drop) [Really Bad Day]
Replies: 49
Views: 5110

Re: RBD here yet? (DOW -300points drop)

It's not an RBD yet. But it's bad enough to give me an opportunity to easily carry out back-door Roth IRA conversion today.
by oragne lovre
Thu Jul 31, 2014 9:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: RBD here yet? (DOW -300points drop) [Really Bad Day]
Replies: 49
Views: 5110

Re: Bonds!!??

I am puzzled. If the facts about bonds are so self-evident as nisiprius, Taylor, and many others state, then why do so many Bogleheads (and others) still discuss and explore so many variations of bond & fixed income instruments' ownership? My guess is that not many investors accept that long-te...
by oragne lovre
Wed Jul 30, 2014 1:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Bonds!!??
Replies: 56
Views: 10871

Re: Bonds!!??

...Some Bogleheads in this forum have made a very good case for substituting bank CD's, yes, plain old bank CD's for bonds over the next couple of years. The case is that not that the CDs will do better, it's that it looks like they'll do about as well, so if you can do about as well without the in...
by oragne lovre
Tue Jul 29, 2014 1:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Bonds!!??
Replies: 56
Views: 10871

Re: Do any boggleheads invest in individual companies?

I do have ONE share of Tesla that gives me a bragging right about my stock-picking skill :D The rest of portfolio is in mutual funds that are about 80/20, which will gravitate toward more bonds as time goes by.
by oragne lovre
Tue Jul 29, 2014 12:43 am
 
Forum: Investing - Theory, News & General
Topic: Do any boggleheads invest in individual companies?
Replies: 95
Views: 5820

Re: Vanguard eliminates fee on FTSE All-World ex-US Small-Ca

Having received the Vanguard email message, I immediately logged onto the fund with intent to set up automatic investment - its fee is the reason that has prevented me from DCA. To my surprise, its site still shows the fees. Do I miss something here?
by oragne lovre
Mon Jul 28, 2014 1:00 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard eliminates fee on FTSE All-World ex-US Small-Cap
Replies: 35
Views: 5189

Re: Vanguard sued for charging too little

spth wrote:Is Vanguard charging below market rates? I use Fidelity Spartan funds with ERs very similar to Vanguard's.


It's an interesting question.
by oragne lovre
Mon Jul 28, 2014 12:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 187
Views: 21471

Re: Solar Panels?

I considered buying a Toyota Prius a few years ago. Did the numbers and it didn't work out. The savings in gas didn't make the buy work. Bought a Subaru Outback instead. Most of these products (Prius, Chevy Volt, Tesla, hybrid cars, solar panels, etc.) often make no economic sense. They are emotion...
by oragne lovre
Sun Jul 20, 2014 1:30 am
 
Forum: Personal Consumer Issues
Topic: [residential] Solar Panels [in CA]?
Replies: 22
Views: 1819

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

RunningRad wrote:It depends. Is my wife reading this? ;)


:) :) :)
by oragne lovre
Sun Jul 20, 2014 12:13 am
 
Forum: Personal Consumer Issues
Topic: How much do you spend on your hobby annually?
Replies: 77
Views: 7373

Re: Buy a condo for college?

OP, I do not mean to hijack your thread.
Since I have children who are going to colleges in several years, it's also good for me to plan ahead. I just want to say thanks to all of you who provide honest recommendations.
by oragne lovre
Sun Jul 20, 2014 12:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Buy a condo for college?
Replies: 29
Views: 2556

Re: I was tempted to market time and didn't

I think playing with a "small money account" is fine for this kind of thing. You may learn something, and it won't help or hurt much. I would just be careful about letting any apparent success in the small money account convince you to try to do much market timing in your big money accoun...
by oragne lovre
Sat Jul 19, 2014 11:46 pm
 
Forum: Investing - Theory, News & General
Topic: I was tempted to market time and didn't
Replies: 19
Views: 1846

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

I had to finance for 2 cars about 17 years ago since budget was tight. I managed to pay off after about 4 years. We have since driven those cars without any further payment, except for routine oil change, annual checkup, and of course gas. I will soon abandon gas and oil change once Tesla is deliver...
by oragne lovre
Sat Jul 19, 2014 9:15 pm
 
Forum: Personal Consumer Issues
Topic: If you own a car, do you have a car payment?
Replies: 112
Views: 7445

Re: Howard Gold: Emerging Markets are Still Lousy Investment

I've held Vanguard Emerging Market Index for about 10 years. It accounts for approximately 2% of my buy-and-hold asset. I'm increasing bi-weekly investing amount since Emerging Market is "lousy" as this author also observes. I see this Emerging Market Index as a "fun" fund with w...
by oragne lovre
Sat Jul 12, 2014 9:04 pm
 
Forum: Investing - Theory, News & General
Topic: Howard Gold: Emerging Markets are Still Lousy Investment
Replies: 4
Views: 1440

Re: Solar panels, are they worth it?

We live in Texas DFW. It gets really hot from June to Oct and our electric bills are way high during these months. Our home is 3500 square feet 5 bedrooms 4 baths, 2 levels home. It takes a lot to cool or heat up the 2nd floor. We only have electricity no gas in our home. We live on 20 acres rural ...
by oragne lovre
Sat Jul 12, 2014 8:21 pm
 
Forum: Personal Consumer Issues
Topic: Solar panels, are they worth it?
Replies: 53
Views: 5285

Re: Time to buy a tv or wait 2 years?

Luke Duke wrote:http://carltonbale.com/1080p-does-matter/
Image


This chart is awesome!

Thanks
by oragne lovre
Wed Jul 09, 2014 1:39 am
 
Forum: Personal Consumer Issues
Topic: Time to buy a tv or wait 2 years?
Replies: 66
Views: 5955

Re: "Being Done" Saving: White Coat Investor blog post

I thought there is a hard limit of 52K on contributions(both employee and employer) across all 401k accounts for 2014. I wonder how the White Coat Investor is able to get almost 92K into two 401K accounts. Can someone please point out what I am missing? What you are missing is that the limit across...
by oragne lovre
Tue Jul 01, 2014 2:33 am
 
Forum: Investing - Theory, News & General
Topic: "Being Done" Saving: White Coat Investor blog post
Replies: 47
Views: 7875

Re: A $1000 lesson on how manipulative salespeople can be?

Chock it up to lessons learned and you won't make that mistake again. Analyze what it was that made you agree/ strike the deal. What was your mental state, and how are you going to avoid it again? I agree with Valuethinker and would take it as an opportunity to examine how you respond to sales tact...
by oragne lovre
Sat Jun 07, 2014 2:08 am
 
Forum: Personal Consumer Issues
Topic: A $1000 lesson on how manipulative salespeople can be?
Replies: 107
Views: 17225

Re: Book recommendation for 25 y.o.-first job

A Random Walk Down Wall Street by Burton Malkiel http://www.amazon.com/s/ref=nb_sb_ss_c_0_10?url=search-alias%3Dstripbooks&field-keywords=random%20walk%20down%20wall%20street&sprefix=random+wal%2Caps%2C330 If you like it, buy it by clicking Amazon.com link embedded in bogleheads website to s...
by oragne lovre
Sat May 17, 2014 7:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Book recommendation for 25 y.o.-first job
Replies: 12
Views: 870

Re: An easy way to save money: Avoid the $300,000 car.

I'm all for inexpensive but SAFE cars. I don't want to explore other aspects of car ownership we have discussed so far. I want to look at car ownership from another angle, which we may want discuss about a bit more, especially for higher-income bogleheads. Let's assume one's annual income is 500 K. ...
by oragne lovre
Sat May 17, 2014 7:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: An easy way to save money: Avoid the $300,000 car.
Replies: 152
Views: 17843

Re: Did you tell anyone you paid off your mortgage?

Is it true that anyone can find out if your mortgage is paid off just by looking up somewhere in the internet?
by oragne lovre
Fri May 16, 2014 12:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 158
Views: 12723

Re: Bogus Vanguard Email Message

It might be helpful to post a picture of it here so people can see what it looks like. What were the signs that it is fake? I don't know how to post a "picture" of an email message. If someone shows me how to post the supposedly fake email on the forum, I'll be happy to do so. Tip-off sig...
by oragne lovre
Thu May 15, 2014 1:45 am
 
Forum: Investing - Theory, News & General
Topic: Bogus Vanguard Email Message
Replies: 17
Views: 1730

Re: Bogus Vanguard Email Message

These things always look so fake. I am surprised but thankful that no crook seems to go to the effort to really make them look authentic. The one I received looked really sophisticated; it had Vanguard ship symbol and picture of coffee mug & newspaper we see on official Vanguard website. The ti...
by oragne lovre
Wed May 14, 2014 11:56 am
 
Forum: Investing - Theory, News & General
Topic: Bogus Vanguard Email Message
Replies: 17
Views: 1730

Re: Bogus Vanguard Email Message

I spoke with a Vanguard person this morning. I explained the situation and asked if she wanted me to forward the suspicious email message to Vanguard. She just asked me to delete it.
Well, I'll forward it to Vanguard, using links some of you recommend then.
by oragne lovre
Wed May 14, 2014 11:45 am
 
Forum: Investing - Theory, News & General
Topic: Bogus Vanguard Email Message
Replies: 17
Views: 1730

Bogus Vanguard Email Message

I received a fake Vanguard email message that asked me to update my "Vanguard account" today. I want to alert this fraud to all bogleheads who have Vanguard account. BTW, anybody knows what is the best way to report it to Vanguard?
by oragne lovre
Wed May 14, 2014 1:48 am
 
Forum: Investing - Theory, News & General
Topic: Bogus Vanguard Email Message
Replies: 17
Views: 1730
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