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Re: "Stocks and shares," different things? "Peter Pan"

I found an online analysis of the text in question, part of which I pasted below. Although it doesn't get into the specifics of what nisiprius was asking about, I think its writer would lean toward the idea that Barrie was intentionally trying to show Mr. Darling as an arrogant male who acted overly...
by schuyler74
Mon Jul 14, 2014 4:46 pm
 
Forum: Investing - Theory, News & General
Topic: "Stocks and shares," different things? "Peter Pan"
Replies: 40
Views: 3236

Re: "Stocks and shares," different things? "Peter Pan"

http://www.investopedia.com/ask/answers/140.asp wrote:For example, "stock" is a general term used to describe the ownership certificates of any company, in general, and "shares" refers to a the ownership certificates of a particular company.
by schuyler74
Sun Jul 13, 2014 7:41 pm
 
Forum: Investing - Theory, News & General
Topic: "Stocks and shares," different things? "Peter Pan"
Replies: 40
Views: 3236

Re: do you lie about your finances to friends

How you should answer depends on why they're asking, rarely is it helpful to disclose info about your own finances to someone who has no intention of doing anything differently. If they just want to vent (and not change) then you listen because you're their friend. If they actually want real advice ...
by schuyler74
Mon Jun 30, 2014 5:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: do you lie about your finances to friends
Replies: 103
Views: 9231

Re: To stay a Boglehead, I have to leave Bogleheads.org

A year ago, I decided to go to a "Core Four" (TSM, TISM, Bonds, REITs) and rejected tilting. Last week, after reading various threads, I almost decided to start tilting. But then other threads show that investors tend to lose returns due to jumping in to a trend too late. So then I decided...
by schuyler74
Wed Jun 18, 2014 6:28 pm
 
Forum: Investing - Theory, News & General
Topic: To stay a Boglehead, I have to leave Bogleheads.org
Replies: 56
Views: 6141

Re: Personal Life subforum?

Can someone present a specific example of a post that would be allowed in this proposed new forum that is not allowed in the existing forums? All of the above is too vague for me to understand what we're actually debating.
by schuyler74
Tue Jun 17, 2014 1:56 pm
 
Forum: Forum Issues and Administration
Topic: Personal Life subforum?
Replies: 97
Views: 5008

Re: If chasing market performance is bad...

Generally speaking, though, chasing what's hot is a bad idea IMO. If everybody's talking about it, all the possible money that can/will move into it already has. Isn't that what "momentum" is, though? Momentum in academic finance is defined as the return of stocks that have outperformed i...
by schuyler74
Thu Jun 12, 2014 7:48 pm
 
Forum: Investing - Theory, News & General
Topic: If chasing market performance is bad...
Replies: 85
Views: 4827

Re: If chasing market performance is bad...

If chasing market performance is bad... Then isn't doing the opposite good? Sounds exactly like what I asked a month ago ( here ): "If every instinct you have is wrong, then the opposite would have to be right." ( YouTube clip ) If following normal, natural emotions provides investors wit...
by schuyler74
Thu Jun 12, 2014 3:57 pm
 
Forum: Investing - Theory, News & General
Topic: If chasing market performance is bad...
Replies: 85
Views: 4827

Re: Bernstein: A Decade of Super-Low Returns [1.4% for 60/40

I'm glad I asked because you all have provided some excellent responses and it got me reading more about TAA in Artsdoctor 's wiki link. Tactical asset allocation is an active investment strategy that adjusts a portfolio's asset class weightings according to short term forecasts of expected returns....
by schuyler74
Wed Jun 11, 2014 6:44 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein: A Decade of Super-Low Returns [1.4% for 60/40]
Replies: 207
Views: 17497

Re: Bernstein: A Decade of Super-Low Returns [1.4% for 60/40

I still don't see how "tactical asset allocation" is any different than "market timing", except that in the former you're doing it with entire indexes and the latter is individual stocks. All Bogleheads agree that trying to time buy/sell of individual stocks based on evaluations ...
by schuyler74
Wed Jun 11, 2014 2:15 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein: A Decade of Super-Low Returns [1.4% for 60/40]
Replies: 207
Views: 17497

Re: Any "Apps" you like?

"Vanguard Investor" is an app to monitor your investment accounts.
"Vanguard Advisors" has lots of links to articles and videos of interest to Advisors.

I don't have a vanguard account but I installed the Advisors app. There's a new article/video every other day or so.
by schuyler74
Tue Jun 10, 2014 11:14 pm
 
Forum: Personal Consumer Issues
Topic: Any [iPhone] "Apps" you like?
Replies: 50
Views: 4153

Re: Bernstein: A Decade of Super-Low Returns [1.4% for 60/40

Several (including EmergDoc ) have mentioned above the possibility of looking around for alternative investments besides stocks and bonds. Would Bernstein's numbers imply that the next decade might be a good time to pay down those "negative bonds" many of us have in our home mortgages? Fro...
by schuyler74
Tue Jun 10, 2014 11:02 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein: A Decade of Super-Low Returns [1.4% for 60/40]
Replies: 207
Views: 17497

Re: Bernstein: A Decade of Super-Low Returns [1.4% for 60/40

Thank you for answering my question, JoMoney. I appreciate it! :beer

Sometimes I ask questions that are possibly obvious to many members on these forums, but I think I'm asking questions that many others reading this thread might also be wondering about.
by schuyler74
Tue Jun 10, 2014 4:53 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein: A Decade of Super-Low Returns [1.4% for 60/40]
Replies: 207
Views: 17497

Re: Bernstein: A Decade of Super-Low Returns [1.4% for 60/40

All this discussion of preemptively overweighting Foreign vs Domestic, or Value vs Growth, Stocks vs Bonds. Isn't that just market timing? Why not just stick with your usual AA? Hasn't it been shown that performance chasing causes investors to miss out on gains they could have had, had they "st...
by schuyler74
Tue Jun 10, 2014 9:15 am
 
Forum: Investing - Theory, News & General
Topic: Bernstein: A Decade of Super-Low Returns [1.4% for 60/40]
Replies: 207
Views: 17497

Re: Bernstein: A Decade of Super-Low Returns

What are the reasons why he predicts a 2.5% real return over the next decade? Is it due to a fundamental shift in the world economy or something else? Because if it's based on things "being different now" than they have been, then why limit it to just the next decade and not the next 50 y...
by schuyler74
Mon Jun 09, 2014 3:05 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein: A Decade of Super-Low Returns [1.4% for 60/40]
Replies: 207
Views: 17497

Re: Bernstein: A Decade of Super-Low Returns

What are the reasons why he predicts a 2.5% real return over the next decade? Is it due to a fundamental shift in the world economy or something else? Because if it's based on things "being different now" than they have been, then why limit it to just the next decade and not the next 50 ye...
by schuyler74
Mon Jun 09, 2014 2:51 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein: A Decade of Super-Low Returns [1.4% for 60/40]
Replies: 207
Views: 17497

Re: [Poll] How do you rebalance?

I rebalance once a year, whenever I fill my Roth IRA. "Band rebalancing" refers to a tolerance band — when the allocation to a certain asset class strays more than some percentage from the target. For those who voted " use bands: range 5% and < 7.5% ", how do you apply these perc...
by schuyler74
Mon Jun 09, 2014 2:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Poll] How do you rebalance?
Replies: 30
Views: 1729

Re: Why is Tilting and Slice&Dice so popular in this forum?

[OT comment removed by admin LadyGeek]
by schuyler74
Sun Jun 08, 2014 9:41 pm
 
Forum: Investing - Theory, News & General
Topic: Why is Tilting and Slice&Dice so popular in this forum?
Replies: 110
Views: 6272

Re: Who are the Bogleheads.org heavyweights?

That's a good point -- why aren't there more authors / bloggers / financial experts peddling their wares on this board? Really? I haven't seen anybody peddling anything on this board. Letting us know when an article or book of interest becomes available doesn't seem like peddling wares to me. Oh, I...
by schuyler74
Sun Jun 08, 2014 7:05 pm
 
Forum: Forum Issues and Administration
Topic: Who are the Bogleheads.org heavyweights?
Replies: 127
Views: 9156

Re: Who are the Bogleheads.org heavyweights?

What i find most interesting is that many potential heavyweights arent in the financial business (there are several of course). Originally i would have thought more "experts" would be on such a list and that more "good experts" would want to come here and get their name out but ...
by schuyler74
Sun Jun 08, 2014 1:15 pm
 
Forum: Forum Issues and Administration
Topic: Who are the Bogleheads.org heavyweights?
Replies: 127
Views: 9156

Re: Bernstein's Four Pillars of Investing for $1.99 on June

I've it loaded to my android but don't see an option for audio. Does anyone know how? Thanks. You can't, though [(link removed) --admin LadyGeek] claims a way to do it by transferring the downloaded Kindle book (file) from your Android device to your PC, converting it there to a MOBI file, then cop...
by schuyler74
Fri Jun 06, 2014 6:54 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein's Four Pillars of Investing for $1.99 on June 4th!
Replies: 88
Views: 4785

Re: AAPL to split 7-1, moving to DJIA?

Okay, the DJIA is operates the way it does; it's price-based. But is there an incentive to get into it? Will AAPL's stock price probably rise if it makes it in? Shouldn't we all buy AAPL in that case -- if it's a lock to soon rise in price? And again, if there isn't an incentive, then why would the ...
by schuyler74
Fri Jun 06, 2014 3:58 pm
 
Forum: Investing - Theory, News & General
Topic: AAPL to split 7-1, moving to DJIA?
Replies: 10
Views: 1067

Re: AAPL to split 7-1, moving to DJIA?

And does the fact that it is likely moving into the DJIA have any influence on its price? Will it become more or less attractive to investors because of this? If so, how/why? If not, then why would the article's author imply that Apple is splitting in order to get into the DJIA?
by schuyler74
Fri Jun 06, 2014 3:26 pm
 
Forum: Investing - Theory, News & General
Topic: AAPL to split 7-1, moving to DJIA?
Replies: 10
Views: 1067

AAPL to split 7-1, moving to DJIA?

Apple to be 'cheap' Monday. Will you buy? The split may also help convince the people who run the Dow Jones Industrial Average, the most well-known barometer of the stock market in the world, to finally include the company among its exclusive group of 30 stocks. Apple is worth significantly more th...
by schuyler74
Fri Jun 06, 2014 3:24 pm
 
Forum: Investing - Theory, News & General
Topic: AAPL to split 7-1, moving to DJIA?
Replies: 10
Views: 1067

Re: Bernstein's Four Pillars of Investing for $1.99 on June

Downloaded to PC, tablet, and phone... for $1.99 !
336 pages, feels like a Large-cap Value.

My first Kindle purchase! I suppose that's the reason for the discount -- to get new Kindle users?
by schuyler74
Wed Jun 04, 2014 6:41 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein's Four Pillars of Investing for $1.99 on June 4th!
Replies: 88
Views: 4785

Re: "Is Bogle Befuddling?"

Right! A beautiful summary all in a single post. Should be #requiredReading . Or maybe in the wiki somewhere... I remember reading all those things separately but it helps seeing it all at once to get Bogle's complete view on the topic. I think the final answer is: "No, Bogle is not befuddling....
by schuyler74
Tue Jun 03, 2014 8:40 am
 
Forum: Investing - Theory, News & General
Topic: "Is Bogle Befuddling?"
Replies: 57
Views: 7226

Re: Young Investor: Slightly Changing AA to get Admiral Fund

EmergDoc wrote:By the time you need to worry about stuff like this you won't own anything but admiral shares.

Neo: What are you trying to tell me? That I can dodge bullets?
Morpheus: No, Neo. I'm trying to tell you that when you're ready, you won't have to.
by schuyler74
Mon Jun 02, 2014 7:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young Investor: Slightly Changing AA to get Admiral Funds?
Replies: 15
Views: 991

Re: Who are the BogleHeads.org heavyweights?

Your need for influential leaders and real heavyweights is perplexing I've already explained very clearly in the part you quoted above that the point is that NEW USERS have no idea who is giving them advice, and it can be helpful when you're getting conflicting opinions to have an idea of the crede...
by schuyler74
Mon Jun 02, 2014 1:44 pm
 
Forum: Forum Issues and Administration
Topic: Who are the Bogleheads.org heavyweights?
Replies: 127
Views: 9156

Re: Who are the BogleHeads.org heavyweights?

I guess I just thought if it is 2% in the general population its probably a stretch that it is 50% here. maybe 20%? VictoriaF provided two links above to prior threads on the Myers-Briggs Personality Test results for forum members, but since LadyGeek locked that thread I suppose we should just refe...
by schuyler74
Sun Jun 01, 2014 10:05 pm
 
Forum: Forum Issues and Administration
Topic: Who are the Bogleheads.org heavyweights?
Replies: 127
Views: 9156

Re: Who are the BogleHeads.org heavyweights?

Really, grok87 ? I was thinking you were dead on for at least half of the regular posters. I don't imagine the typical BogleHead as a regular partygoer. But I've only met one BogleHead (that I know of) in person, so I don't have a large selection to compare against. INTJ, and perhaps ISTJ, although ...
by schuyler74
Sun Jun 01, 2014 9:12 pm
 
Forum: Forum Issues and Administration
Topic: Who are the Bogleheads.org heavyweights?
Replies: 127
Views: 9156

Re: Boglehead heavyweights.

The INTJ personality type is one of the rarest and most interesting types. Comprising only about 2 percent of the U.S. population (INTJ females are especially rare—just 0.8%), INTJs are often seen as highly intelligent and perplexingly mysterious. INTJ personalities radiate self-confidence, relying...
by schuyler74
Sun Jun 01, 2014 8:05 pm
 
Forum: Forum Issues and Administration
Topic: Who are the Bogleheads.org heavyweights?
Replies: 127
Views: 9156

Re: Who are the BogleHeads.org heavyweights?

Beautiful, nedsaid ! Exactly the sort of post I was looking for. Someone who has been around for a while with suggestions on their own personal favorites. Now I have a question -- where is YDNAL ? The search page ( http://www.bogleheads.org/forum/memberlist.php?mode=viewprofile&u=1626 ) says thi...
by schuyler74
Sun Jun 01, 2014 12:43 am
 
Forum: Forum Issues and Administration
Topic: Who are the Bogleheads.org heavyweights?
Replies: 127
Views: 9156

Re: Who are the BogleHeads.org heavyweights?

Every post should be judged on its own merits; not on the poster. This is true, but for the truly uninformed on a particular topic, it can be difficult to discern which posts have more merit -- especially when you're getting contrasting responses from seemingly well-versed people. For example, say ...
by schuyler74
Sat May 31, 2014 12:08 am
 
Forum: Forum Issues and Administration
Topic: Who are the Bogleheads.org heavyweights?
Replies: 127
Views: 9156

Who are the Bogleheads.org heavyweights?

While reading posts on these forums and trying to evaluate the responses, I often find myself wondering who the writers are: what are their credentials? what's their occupation? I can see they're arguing with someone and they have thousands of posts, does that make them more likely to be right? When...
by schuyler74
Fri May 30, 2014 12:23 am
 
Forum: Forum Issues and Administration
Topic: Who are the Bogleheads.org heavyweights?
Replies: 127
Views: 9156

Re: Bernstein's Four Pillars of Investing for $1.99 on June

The Four Pillars of Investing became an instant classic when it was first published nearly a decade ago. This down-to-earth book lays out in easy-to-understand prose the four essential topics that every investor must master: ⋅ the relationship of risk and reward ⋅ the history of...
by schuyler74
Thu May 29, 2014 8:30 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein's Four Pillars of Investing for $1.99 on June 4th!
Replies: 88
Views: 4785

Re: POLL: QB Aaron Rodgers disproves the EMH

Sounds like we've determined three things in this thread: 1. The EMH is "actionable" only in the sense that it tells you not to bother trying to forecast returns. However, telling you what not to do isn't the same as telling you what to do. Therefore, the EMH is useless as it is neither pr...
by schuyler74
Thu May 29, 2014 5:28 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: QB Aaron Rodgers disproves the EMH
Replies: 39
Views: 3583

Re: POLL: QB Aaron Rodgers disproves the EMH

Speculating on the future performance of a NFL player is no different than speculating on the future performance of a stock. ... FUTURE events are always going to change FUTURE values of both stocks and football players. All the EMH says is that markets are efficient at incorporating CURRENT inform...
by schuyler74
Wed May 28, 2014 6:22 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: QB Aaron Rodgers disproves the EMH
Replies: 39
Views: 3583

POLL: QB Aaron Rodgers disproves the EMH

In the 2005 NFL draft, quarterback Aaron Rodgers fell to the 24th pick. Although many of the earlier teams had him ranked higher than that, when it was their turn to select a player they chose a position other than QB because at that time their need was greater for a non-QB. For over 5 years now, Aa...
by schuyler74
Wed May 28, 2014 12:31 am
 
Forum: Investing - Theory, News & General
Topic: POLL: QB Aaron Rodgers disproves the EMH
Replies: 39
Views: 3583

Re: Question about REITS??

Municipal bonds are less valuable to low-tax investors than they are to high-tax investors. Conversely, REITs are more valuable to low-tax investors than they are to high-tax investors. Whether you should overweight or underweight REITs would then depend on whether your taxes are higher or lower th...
by schuyler74
Tue May 27, 2014 6:04 pm
 
Forum: Investing - Theory, News & General
Topic: Question about REITS??
Replies: 54
Views: 3729

Re: Question about REITS??

Some investors (with low taxes or lots of tax-advantaged space) may benefit by overweighting tax inefficient investments. Suppose that the market prices REITs and the total market to have the same after tax expected returns. That would make sense, given that the largest players are generally taxabl...
by schuyler74
Mon May 26, 2014 9:52 pm
 
Forum: Investing - Theory, News & General
Topic: Question about REITS??
Replies: 54
Views: 3729

Re: POLL: why carry cash?

We pay cash almost always and do not carry coins. Coins are for the birds. Got me thinking when is a good time for the U.S. to phase out the small coins like pennies and nickels (especially since it costs more to make them than they are worth!). Found this... Most economists, then, argue that we sh...
by schuyler74
Sun May 25, 2014 9:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 243
Views: 13654

Re: POLL: why carry cash?

Saw a TV commercial today that reminded me of this thread. With the rise of inexpensive (~$15) portable electronic readers for your mobile phone or tablet, is there any chance a system like this can actually replace cash? I feel like it's a matter of time, I just don't know if these sorts of devices...
by schuyler74
Sun May 25, 2014 5:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 243
Views: 13654

Re: Worst "Large purchase" ever?

No one here bought a house at the top of the market (like in 2006 or so)? Right, forgot about that. Bought in Spring 2007 (peak here was Fall 2007) for $220K which was cheap after being foreclosed. We put about $10K into it in repairs and upgrades. It's STILL not back up to the purchase price of $2...
by schuyler74
Sat May 24, 2014 8:46 pm
 
Forum: Personal Consumer Issues
Topic: Worst "Large purchase" ever?
Replies: 110
Views: 11730

Re: Worst "Large purchase" ever?

Just out of college, new job, car died, went and bought a brand new $30K sports car. Took 3 years to pay it off and another 15 before I could even afford to max out a Roth contribution. I can't see ever buying a brand new car again.
by schuyler74
Sat May 24, 2014 2:23 pm
 
Forum: Personal Consumer Issues
Topic: Worst "Large purchase" ever?
Replies: 110
Views: 11730

Re: Post your current AA

Age: late 30s, live in the US.

AA, rebalance once per year:
10% US REITs
10% Total US bonds
55% Total US stocks
25% Total ex-US stocks
by schuyler74
Fri May 23, 2014 10:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Post your current AA
Replies: 41
Views: 2293

Re: Help me find Fidelity Freedom Index Funds on fidelity.co

Here are two that you might like: Spartan Funds (low-cost index) -- "Advantage Class" has better expense ratios than "Investor Class" https://www.fidelity.com/mutual-funds/index-funds/why-fidelity Searching for the word "Spartan" on Fidelity: https://search.fidelity.com...
by schuyler74
Wed May 21, 2014 5:49 pm
 
Forum: Investing - Theory, News & General
Topic: Help me find Fidelity Freedom Index Funds on fidelity.com
Replies: 9
Views: 549

Re: "Is Bogle Befuddling?"

In Praise of the Ordinary The investment performance of another, less-revered gentleman has also been in the news. The press has breathlessly reported that, if forced to sell the Los Angeles Clippers, Donald Sterling could receive as much as $1 billion, thereby reaping a "massive profit" ...
by schuyler74
Tue May 20, 2014 10:10 pm
 
Forum: Investing - Theory, News & General
Topic: "Is Bogle Befuddling?"
Replies: 57
Views: 7226

Re: next up: HSA or 401k post-match?

But what's your monthly premium? My neighbors have a PPO plan with co-pays but have a $10k OOP. While I have a $5k DED/OOP, my monthly premiums are much less than theirs. Unless you have something catastrophic, or like us having kids (wife had one in April), the HDHPs I think come out ahead. Not to...
by schuyler74
Sat May 17, 2014 12:19 am
 
Forum: Investing - Help with Personal Investments
Topic: next up: HSA or 401k post-match?
Replies: 17
Views: 1195

Re: next up: HSA or 401k post-match?

Wow, thanks for that correction. Your quote actually is found within the IRS's answer to Q-19; I missed it. I'd never heard that HSA contributions directly via your paycheck deductions don't have FICA withheld. Yet 401k contributions do? Seems strange that they'd be treated differently, no? In any c...
by schuyler74
Fri May 16, 2014 2:07 am
 
Forum: Investing - Help with Personal Investments
Topic: next up: HSA or 401k post-match?
Replies: 17
Views: 1195

Re: next up: HSA or 401k post-match?

⋅  Current HSA : Exempt from income tax (forever, if eventually used for medical care) and payroll tax , so you save your marginal rate plus 7.65% (if under the SS cap) or 1.45% (if over the SS cap). Minus 1%/year excessive investment fees until you leave the current job. Not quite. Only ...
by schuyler74
Fri May 16, 2014 12:56 am
 
Forum: Investing - Help with Personal Investments
Topic: next up: HSA or 401k post-match?
Replies: 17
Views: 1195
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