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Re: How do you wash your car?

I hand wash my car twice a year, spring and fall.
I guess it is about time to wash my car.
by parsi1
Mon Oct 20, 2014 10:17 am
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 117
Views: 4598

Re: When people put all their eggs in the wrong basket

I was tempted by Facebook, I was tempted by Alibaba. Once in a while I get tempted to move to riskier assets since I think I have too much in bonds. But every time, with market gyrations like recent weeks and reading links like this I tell myself that being a Boglehead is the best option, and that h...
by parsi1
Wed Oct 08, 2014 9:14 am
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 215
Views: 20384

Re: Oatmeal suggestions

I have mine every morning with cinnamon, honey and raisin or (dried cranberries). Original oatmeal Wall-Mart brand.
by parsi1
Tue Sep 30, 2014 7:08 am
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 107
Views: 5376

Re: New Tony Robbins Book on Financial Freedom

pjstack wrote:I thought Tony Robbins was/is in prison.


Why do you say that? People can't write books while in prison :|
by parsi1
Thu Sep 25, 2014 9:30 am
 
Forum: Investing - Theory, News & General
Topic: New Tony Robbins Book on Financial Freedom
Replies: 8
Views: 1422

Re: New Tony Robbins Book on Financial Freedom

I may check it out from the library. No reason to waste money buying his books.
by parsi1
Thu Sep 25, 2014 9:27 am
 
Forum: Investing - Theory, News & General
Topic: New Tony Robbins Book on Financial Freedom
Replies: 8
Views: 1422

Re: Could one theoretically be 100% stocks your whole life?

Yes, you can be 100% stocks your whole life, not just theoretically but actually. I have been and I am 77 yo. I never made over 100k in my life Began serious investing in 1980 Didn't sell a penny in 1987 Didn't sell a penny in 2002 Didn't sell a penny in 2008 Just went through the greatest 5 year b...
by parsi1
Tue Sep 23, 2014 11:36 am
 
Forum: Investing - Theory, News & General
Topic: Could one theoretically be 100% stocks your whole life?
Replies: 43
Views: 2794

Re: AliBaba

They didn't let them go public in Hong Kong because of technical issue, they are going public here and people are going GooGoo GaaGaa.
No I am not buying
by parsi1
Fri Sep 19, 2014 12:07 pm
 
Forum: Investing - Theory, News & General
Topic: AliBaba
Replies: 128
Views: 8473

Re: Two Fund real Lazy Portfolio?

those are the components of the classic/original John Bogle's suggested portfolio: Total Stock Market and Total Bond Market. That was also the basis of Scott Burns' original "couch potato" portfolio. +1 I have had this portfolio for a long time and have a substantial amount in it. I'm ver...
by parsi1
Fri Sep 19, 2014 9:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Two Fund real Lazy Portfolio?
Replies: 37
Views: 4851

Re: Hamilton watches, worth the money?

VictoriaF wrote:
parsi1 wrote:I wonder what kind of watch Jack Bogle and Warren Buffett Wear. :confused :?:


Do you think they share a watch?

Victoria



That was funny, I meant each one. This was one of those english as a secong language flaw thingy.
by parsi1
Mon Sep 15, 2014 3:53 pm
 
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 262
Views: 13017

Re: Hamilton watches, worth the money?

I wonder what kind of watch Jack Bogle and Warren Buffett Wear. :confused :?:
by parsi1
Mon Sep 15, 2014 3:46 pm
 
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 262
Views: 13017

Re: Hamilton watches, worth the money?

I don't know what is a Zenga suit, but WOW what you have in the picture is a beautiful watch. I don't mind having one.
by parsi1
Mon Sep 15, 2014 11:52 am
 
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 262
Views: 13017

Re: Share your Hot-Rod Portfolio

ELBoringO or SuperLazy:

10% Reit
90% Target2020
by parsi1
Mon Sep 15, 2014 9:20 am
 
Forum: Investing - Theory, News & General
Topic: Share your Hot-Rod Portfolio
Replies: 55
Views: 4326

Re: Does anyone have 'Lazy Portfolios'?

imgritz wrote:My portfolio is soooo lazy it snores. :D


+1
mine is 90% in target retirement 2020, 10% Reit
I haven't had any need to rebalance yet
by parsi1
Fri Aug 29, 2014 10:21 pm
 
Forum: Investing - Theory, News & General
Topic: Does anyone have 'Lazy Portfolios'?
Replies: 85
Views: 6679

Re: Simplisafe Home Security Systems

sorry for being so ignorant, but if you don't subscribe to the monitoring service and there is an intruder do you get an email or a text on your cell phone, or multiple cell phones? Plus a siren at home that will go off? how does the alarm work in case of an intruder?
Thanks for all the replies
by parsi1
Tue Aug 19, 2014 2:39 pm
 
Forum: Personal Consumer Issues
Topic: Simplisafe Home Security Systems
Replies: 35
Views: 2913

Re: Simplisafe Home Security Systems

How often do you need to change batteries in all those pieces?
Or do you need to change batteries?
by parsi1
Tue Aug 19, 2014 12:25 pm
 
Forum: Personal Consumer Issues
Topic: Simplisafe Home Security Systems
Replies: 35
Views: 2913

Re: Robin Williams

I always loved his movies and his style of comedy, my favorite movie was The Fisher King.
People like him never die. :(
by parsi1
Tue Aug 12, 2014 9:03 pm
 
Forum: Personal Consumer Issues
Topic: Robin Williams
Replies: 42
Views: 4756

Re: How Much Did You Lose Today?

None. Went to the sidelines 2 weeks ago. Today was just the beginning... Beginning of what? A correction? If so, how much will it correct? If this is indeed the "beginning" it is good that you will be on the sideline. But will you know when to get back in? Or will you stay sidelined like ...
by parsi1
Fri Aug 01, 2014 9:35 am
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 15411

Re: How Much Did You Lose Today?

1 to 2 percent is a very wide band, the 1 - 2% should be probably broken down to smaller increments.
The market lost 2%, a well divesified allocation (dependent on age) lost close to 1%, but all the votes will be casted under 1 to 2%. :confused
I am in Target2020 which lost 1.15% :sharebeer
by parsi1
Fri Aug 01, 2014 9:27 am
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 15411

Re: The Boglehead-prisoner’s dilemma.

is he in the same prison as Madoff?
If he is, he should take the money with him and let Madoff invest it for him.
by parsi1
Thu Jul 31, 2014 12:35 pm
 
Forum: Investing - Theory, News & General
Topic: The Boglehead-prisoner’s dilemma.
Replies: 33
Views: 5534

Re: favorite bogleheads posts?

My all time favorite "The Three Fund Portfolio" by Mr. Taylor Larimore. It was an eye opener for me when I was deciding on an asset allocation. It taught me that more complicated doesn't mean better.
Thanks
by parsi1
Sat Jul 26, 2014 9:44 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: favorite bogleheads posts?
Replies: 53
Views: 5386

Re: Poll: Which Happens First - DOW > 20,000 or DOW < 14,000

LAlearning wrote:14K obviously.

More shares for when it gets to 20k....


+1
I am happy either way, but happier with <14000
by parsi1
Wed Jul 23, 2014 2:01 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Which Happens First - DOW > 20,000 or DOW < 14,000?
Replies: 33
Views: 3261

Re: Easy careers to last me to retirement?

Find a rich partner, it can be a full time job to find one, and then retire.
by parsi1
Thu Jul 17, 2014 2:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Easy careers to last me to retirement?
Replies: 92
Views: 14355

Re: Tiny House Movement

Dutch wrote:Don't really understand your need to make assumptions about other people. I find it usually works better when you just speak for yourself.
by parsi1
Fri Jul 11, 2014 3:05 pm
 
Forum: Personal Consumer Issues
Topic: Tiny House Movement
Replies: 139
Views: 16191

Re: Tiny House Movement

Dutch wrote:Living in a larger home versus smaller home is exactly the issue being discussed in this thread. I agree that you're making a lot of (strange) assumptions.


deleted
by parsi1
Fri Jul 11, 2014 2:24 pm
 
Forum: Personal Consumer Issues
Topic: Tiny House Movement
Replies: 139
Views: 16191

Re: Tiny House Movement

mlipps wrote:That's a LOT of assumptions you're making. Not everyone prefers to spend instead of save. And it's great that you want to work and like your job, but don't assume that I have "issues" because I don't!


deleted
by parsi1
Fri Jul 11, 2014 1:39 pm
 
Forum: Personal Consumer Issues
Topic: Tiny House Movement
Replies: 139
Views: 16191

Re: Tiny House Movement

deleted
by parsi1
Fri Jul 11, 2014 11:11 am
 
Forum: Personal Consumer Issues
Topic: Tiny House Movement
Replies: 139
Views: 16191

Re: TV show recommendations?

Any reality show related to Alaska, buying Alaska, selling Alaska, Alaska bush people, Kodiak….
I have never been there, but I love alaska, I wish it wasn't so cold :D
by parsi1
Thu May 29, 2014 9:39 am
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 304
Views: 143102

Re: What is the best brand of 3 ton air conditioner & furnac

I replaces two Goodman units that were failing twice a year since I moved to the house six years ago with Rheem Classic. I did some research and got few estimates and decided on Rheem Classic, They are doing well for the time being but no long term experience yet. They are gas furnace seer 13 AC uni...
by parsi1
Fri May 16, 2014 9:32 am
 
Forum: Personal Consumer Issues
Topic: What is the best brand of 3 ton air conditioner & furnace?
Replies: 46
Views: 2830

Vanguard reduced bond allocation in Target Dated fund

Have you all noticed that Vanguard reduced bond allocation in the target dated funds. I am invested in TR2020 and the bond allocation is down from ~39% to ~38%.
Isn’t this opposite to what TR funds are supposed to do?
by parsi1
Tue Mar 18, 2014 11:50 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard reduced bond allocation in Target Dated fund
Replies: 14
Views: 1286

Re: question about gold/silver storage

how about a fireproof safe and a security system.
by parsi1
Mon Mar 17, 2014 6:51 pm
 
Forum: Personal Consumer Issues
Topic: question about gold/silver storage
Replies: 26
Views: 1526

Re: What video games are you currently playing?

Any Sudoku fans here.
I have the app on my kid’s Nook and my wife’s Ipad. But since they don’t give me chance to use their electronics, I buy the Sudoku books from dollar stores.
The book works better with my semi blind eyes anyway.
by parsi1
Wed Mar 12, 2014 9:33 am
 
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 99
Views: 4961

Re: You know you're a Boglehead when ...

1-You still use an old (or New) flip phone, and/or pay less than $10/month for a cell phone. :D :sharebeer
2- Your home page is :http://www.bogleheads.org/ and you have only one favorite on your browser which is Vanguard.com
by parsi1
Tue Mar 04, 2014 4:17 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: You know you're a Boglehead when ...
Replies: 105
Views: 16704

Re: Paying off the mortgage. Kind of.

Payoff the mortgage and then set up an automatic payment to invest in any Vanguard fund that you like every month equal to your house payment.
Do you have a Roth IRA?
If you don't, your automatic monthly investment can be in a Roth IRA
by parsi1
Fri Feb 28, 2014 8:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Paying off the mortgage. Kind of.
Replies: 29
Views: 2846

Re: Should I put all my money in target funds?

In my 401K, I am 90% TR2020 and 10% REIT. I don’t have any strong logic/reason for the 10% REIT, except that I like to invest in real estate. I tried to model the perfect portfolio with the least volatility and best return using Excel spreadsheet with 30 years of historical data. Then, after all tha...
by parsi1
Thu Feb 20, 2014 11:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I put all my money in target funds?
Replies: 6
Views: 1237

Re: Market Crash Stategies?

Whoever is not comfortable enough about their investments to sleep well during ups and downs of market, don’t have a proper asset allocation. Is it possible that your asset allocation doesn’t fit your risk tolerance?
by parsi1
Wed Feb 19, 2014 5:05 pm
 
Forum: Investing - Theory, News & General
Topic: Market Crash Stategies?
Replies: 40
Views: 3391

Re: How do I find the next Berkshire Hathaway?

well that's easy the symbol is VTI, if you own VTI not only you will own the next Berkshire Hathaway but also you own Berkshire Hathaway.
by parsi1
Sun Jan 26, 2014 9:49 am
 
Forum: Investing - Help with Personal Investments
Topic: How do I find the next Berkshire Hathaway?
Replies: 37
Views: 2301

Re: Letting go: Classic textbooks

Keep them all, I have been holding to my books for the past 30 years and if you want to move, for movers a few boxes of books won't matter.
We also programed with Fortran IV and old punch cards and VAX system ( I am sure the VAX had light bulbs in them instead of transistors)
by parsi1
Thu Jan 16, 2014 7:20 pm
 
Forum: Personal Consumer Issues
Topic: Letting go: Classic textbooks
Replies: 54
Views: 4190

Re: Best choice for 100% Stocks?

Target 2060, I know you had 100% stock but this is not too far from 100% stock and probably has the best asset allocation.
by parsi1
Thu Jan 09, 2014 2:07 pm
 
Forum: Investing - Theory, News & General
Topic: Best choice for 100% Stocks?
Replies: 48
Views: 4834

Re: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST

S&P @ 1979

This is my lucky number, The year I immigrated to U.S.
by parsi1
Mon Jan 06, 2014 8:36 pm
 
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST
Replies: 536
Views: 14072

Re: The Funniest Movie Ever

Blues Brothers
and
cheeck and chong - up in smoke
by parsi1
Fri Jan 03, 2014 12:09 am
 
Forum: Personal Consumer Issues
Topic: The Funniest Movie Ever
Replies: 227
Views: 15213

Re: Tips for buying a $2,000 car

Take a look at craigslist in your local area for Mercedes Diesel within that price range. They last forever.
by parsi1
Wed Dec 11, 2013 10:26 pm
 
Forum: Personal Consumer Issues
Topic: Tips for buying a $2,000 car
Replies: 31
Views: 2441

Re: I Know Nothing! Absolutely Nothing!

Hay did you steal my way of thinking. :D I was in the same boat for a couple of years. :oops: Eventually I picked VG target dated 2020 fund and moved all of my money in it over of course of a year. The best decision I ever made. I won't touch or change it until I retire (or even after I retire). :sh...
by parsi1
Fri Nov 22, 2013 10:33 am
 
Forum: Investing - Help with Personal Investments
Topic: I Know Nothing! Absolutely Nothing!
Replies: 29
Views: 3488

Re: How many funds do you have in your portfolio?

Target Retirement 2020 (90%) and Reit (10%), but I am tempted to sell the Reit and make it only TR2020.
by parsi1
Mon Nov 11, 2013 9:11 pm
 
Forum: Investing - Theory, News & General
Topic: How many funds do you have in your portfolio?
Replies: 96
Views: 6304

Re: The Three Fund Portfolio

Vanguard Target dated funds were perfect 3-Fund portfolios until they added the International Bond to the mix. What do you all think about adding the international bond to the 3 fund portfolio? It seems like the international bond has lower yield than the total US bonds.
by parsi1
Tue Nov 05, 2013 2:43 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 907
Views: 366373

Re: Bogleheads' "Rags to Riches" Stories

Wow, I don’t need to check out a book from library this weekend. This is definitely one of the most interesting and insightful postings I have seen after a while and the way it is growing it will provide enough reading for this weekend.
Thanks to all those contributing with their life stories.
by parsi1
Fri Nov 01, 2013 3:03 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads' "Rags to Riches" Stories
Replies: 107
Views: 15807

Re: 2013 Nobel in Economics awarded to Fama, Hansen, and Shi

Basically, their message is: don't try to time the market. There is no way to predict whether the price of stocks and bonds will go up or down over the next few days or weeks. But it is quite possible to foresee the broad course of the prices of these assets over longer time periods, such as, the n...
by parsi1
Mon Oct 14, 2013 3:01 pm
 
Forum: Investing - Theory, News & General
Topic: 2013 Nobel in Economics awarded to Fama, Hansen, and Shiller
Replies: 53
Views: 4836

Re: New cellphone

I am also an old Samsung flip phone pre-paid T-Mobile user.
What is a difference between locked and an unlocked phone?
by parsi1
Fri Oct 11, 2013 11:18 am
 
Forum: Personal Consumer Issues
Topic: New cellphone
Replies: 63
Views: 3908

Re: Difference between 60/40 and 40/60

According to Vanguard's portfolio asset allocation tool, a 60/40 AA has had (in the past, and I know that doesn't mean much going forward) an average return of 8.7%, and a 40/60 AA has had an average return of 7.8% (50/50 was 8.3%.) So am I thinking correctly that when it comes to whether one has 5...
by parsi1
Tue Oct 01, 2013 2:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Difference between 60/40 and 40/60
Replies: 14
Views: 1644

Re: Asset Allocation via Stochastic Dynamic Programming

Target Dated Funds have all of this science behind them and they are also dynamic since they change over time. :D :confused
by parsi1
Mon Sep 16, 2013 9:21 pm
 
Forum: Investing - Theory, News & General
Topic: Asset Allocation via Stochastic Dynamic Programming
Replies: 19
Views: 1978
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