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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: 71
Views: 4021

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: 32
Views: 2025

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: 32
Views: 2025

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: 4630

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: 14173

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: 14173

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: 5431

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: 51
Views: 4714

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: 3171

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: 14053

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: 15939

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: 15939

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: 15939

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: 15939

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: 120330

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: 2670

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: 1279

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: 1515

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: 4747

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: 16165

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: 2826

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: 1222

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: 3308

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: 2285

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: 4129

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: 4733

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: 13773

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: 14856

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: 2334

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: 3469

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: 6274

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: 873
Views: 341840

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: 15366

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: 4823

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: 3876

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: 1635

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: 1967

Re: trip to iran, suggestions?

I have been to Iran for work. I was there for a month or so a couple of years ago. (I am in a rush so I'll write this quickly) Thoughts: - The traffic is unbelievably awful. This is the number one most dangerous terrible thing you will run into constantly. India / China / Latin America are better t...
by parsi1
Sat Aug 03, 2013 5:30 pm
 
Forum: Personal Consumer Issues
Topic: trip to iran, suggestions?
Replies: 25
Views: 3520

Re: Bookshelves

I bought some cheap Walmart book cases for my books many years ago. When I was putting them together I used wood glue at the joints for reinforcement. It made a big difference how solid they stayed together even after several moves. They are still in the basement with the books. My wife didn't want ...
by parsi1
Sat Jul 20, 2013 10:54 pm
 
Forum: Personal Consumer Issues
Topic: Bookshelves
Replies: 26
Views: 2912

Re: (Planned) AA Change consideration - return to 100% equit

Well, I now have a plan that I feel comfortable with. Namely... Return to 100% equities. At 46 move to 96%, 47 move to 92%, until at 55 I've moved to 60%. Then the rule would be age - 15 until age 85 (so maintain 30% after that) Target dated funds do exactly this and you don't have to mess with it ...
by parsi1
Sat Jul 20, 2013 11:41 am
 
Forum: Investing - Help with Personal Investments
Topic: (Planned) AA Change consideration - return to 100% equities
Replies: 36
Views: 2824

Re: Best investment for our two year old son

My kids are 7 and 11 and I have their fund invested in Vanguard Wellington. It is a managed fund with annual fee less than many ETFs.
by parsi1
Wed Jul 10, 2013 7:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best investment for our two year old son
Replies: 15
Views: 1131

Re: Is this a good or bad bet?

With $100,000 initial bet and an Excel random number generator. Heads you gain 170% and tails you lose 70%, after 100 flips of coin you will end up with zero.
Not a good bet.
by parsi1
Tue Jul 09, 2013 8:50 pm
 
Forum: Investing - Theory, News & General
Topic: Is this a good or bad bet?
Replies: 41
Views: 2717

Re: A Portfolio That's as Easy, as One, Two, Three

The allocation they are suggesting from the article: "40% U.S. stocks, 20% international stocks and 40% bonds. That Vanguard portfolio, rebalanced annually, returned an average of 7.14% a year over the last decade" This allocation is very close to the allocation of Vanguard LifeStrategy Mo...
by parsi1
Mon Jul 08, 2013 9:59 pm
 
Forum: Investing - Theory, News & General
Topic: A Portfolio That's as Easy, as One, Two, Three
Replies: 18
Views: 2689

Re: Best asset allocation book to read?

I would also recommend "Personal Finance For Dummies" by Eric Tyson.
I read all the recommended books and eventually settled on Vanguard's Target Dated Fund (2020).
by parsi1
Mon Jul 01, 2013 1:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best asset allocation book to read?
Replies: 21
Views: 1845

Re: What was your worst investment?

Two mistakes, First bought Facebook at IPO :oops: and second (and/or third :confused ) tried to time the market a couple of times.
Advise to myself and others: don’t buy a stock at IPO and don’t try to time the market :sharebeer
by parsi1
Mon Jul 01, 2013 9:41 am
 
Forum: Investing - Help with Personal Investments
Topic: What was your worst investment?
Replies: 100
Views: 7608

Re: Cash at home

I don't believe in firearms that's why I keep a few pepper sprays around the house.
In a situation like that it might be a good idea to have some cash to invest.
by parsi1
Thu Jun 27, 2013 9:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Cash at home
Replies: 56
Views: 4808

Re: digital camera buying advice

I recently bought Canon s110. It takes nice pictures and videos. It is a small point and shot, but has manual control and slightly larger sensor than a regular point and shot.
by parsi1
Wed Jun 26, 2013 4:30 pm
 
Forum: Personal Consumer Issues
Topic: digital camera buying advice
Replies: 36
Views: 3554

Re: Bogleheads Without Avatars

I can't believe it, I have an Avatar. A dream comes true. Wow an Avatar.
Well now we need a better market.
by parsi1
Tue Jun 25, 2013 12:09 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads Without Avatars
Replies: 197
Views: 14451

Re: Is 3-Fund now 4-Fund with new Int. Bond Fund?

Does anyone know what is the yield on the Total International Bond Fund? Does it add to the annual yield of Target or the lifestrategy funds?
by parsi1
Mon Jun 17, 2013 4:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is 3-Fund now 4-Fund with new Int. Bond Fund?
Replies: 8
Views: 1433
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