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Re: Blog: The Coffeehouse portfolio

Thanks! This portfolio is somewhat similar to mine. I like the style of presentation and the links are great. However, I did spot a small typo-- the REITs ETF. Thanks, again.
by scone
Tue Apr 15, 2014 1:54 pm
 
Forum: Investing - Theory, News & General
Topic: Blog: The Coffeehouse portfolio
Replies: 1
Views: 802

Re: Anyone use Fidelity as their bank account?

BTW, Fido has cash back Amex and Visa cards, and you can direct the cash into your brokerage account or a 529.

https://www.fidelity.com/cash-managemen ... ress-cards

https://www.fidelity.com/cash-managemen ... ature-card
by scone
Tue Apr 15, 2014 11:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use Fidelity as their bank account?
Replies: 26
Views: 1426

Re: What does "invest in the market mean"

To me, "the market" is the sum of stocks, bonds, cash, and other instruments held throughout he the world. So in order to spread my investment risk and reward, I own mutual funds and ETFs that represent large, small, domestic, international, value, and growth segments of the stock market. ...
by scone
Mon Apr 14, 2014 5:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: What does "invest in the market mean"
Replies: 11
Views: 859

Re: gold , silver, copper and uranium only

If I were going to invest in metals I'd buy some IAU for our Roths, and rebalance regularly. The diversification and
"panic insurance" is worth a small allocation, and I wouldn't have to deal with the weird tax issues.
by scone
Mon Apr 14, 2014 4:53 pm
 
Forum: Investing - Theory, News & General
Topic: gold , silver, copper and uranium only
Replies: 46
Views: 2165

Re: Financing the Purchase of Land

You can get a loan to purchase land, but at the retail level, it's usually in a package to build a home. Developers can get raw land loans, but they can also "get killed by the carry." You are looking at a lot of debt and taxes just to give the kids a bigger playground, and in my experienc...
by scone
Mon Apr 14, 2014 4:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financing the Purchase of Land
Replies: 6
Views: 563

Re: TIPS and the Equity Bear

So, just for comparison, are there other historical instances of bonds acting weirdly? Any sort of bond? I'm thinking, if other bonds have periodic bizarre flukes, then TIPs aren't unique in that. But if TIPs are the only bonds that have ever done anything rather bizarre and unexpected, then maybe i...
by scone
Mon Apr 14, 2014 3:55 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS and the Equity Bear
Replies: 16
Views: 1116

Re: gold , silver, copper and uranium only

There have been some epic gold threads here, but I think many people have moved over to craigr's site on the Permanent Portfolio.
by scone
Sun Apr 13, 2014 8:46 pm
 
Forum: Investing - Theory, News & General
Topic: gold , silver, copper and uranium only
Replies: 46
Views: 2165

Re: TIPS and the Equity Bear

IIRC Larry said the 08 phenomenon was caused by Lehman dumping TIPs to try to stay alive, and that was not likely to happen again as the TIPs market is much more liquid now. I have no dog in this, I merely mention it.
by scone
Sun Apr 13, 2014 8:17 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS and the Equity Bear
Replies: 16
Views: 1116

Re: What next after you have enough sort of.

IMO, once you have "enough," the rest is about the taxman, inflation, and random chance. All unknown unknowns, really. So you are right back at the most fundamental level: how much risk to take under conditions of uncertainty. IMO, in that situation, you have to make a commitment to one of...
by scone
Thu Apr 10, 2014 8:11 pm
 
Forum: Investing - Theory, News & General
Topic: What next after you have enough sort of.
Replies: 31
Views: 3231

Re: 23 / Would love some advice!

Go over to the Vanguard web site, and have a look at their "all in one" retirement funds. You buy one fund, put money in every month, and that's it. No rebalancing or other fiddling, because the professionals at Vanguard do it for you. The expense ratio is very reasonable, too. IMO this is...
by scone
Wed Apr 09, 2014 10:21 am
 
Forum: Investing - Help with Personal Investments
Topic: 23 / Would love some advice!
Replies: 12
Views: 793

Re: The Unthinkable Disaster: What If Your Account Disappear

FWIW, I'm still waiting to get my Reserve Primary Fund money back, even though it supposedly settled last year. :(

http://www.reuters.com/article/2013/09/ ... 4Q20130907
by scone
Mon Apr 07, 2014 2:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: The Unthinkable Disaster: What If Your Account Disappeared?
Replies: 43
Views: 4296

Re: Help, please.

IMO you should base it mostly on recent comps* in the neighborhood, not so much on square footage. A small house tends to have a higher square foot cost than a larger house anyway, because some of the costs are fixed. So if you go strictly by square feet and all the other houses are much larger, tha...
by scone
Mon Apr 07, 2014 2:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home improvement plans not filed with town?
Replies: 21
Views: 936

Re: Firecalc says I will be 100% successful but ...

Try lowering your social security, your spouse's (if any) social security, and raising spending to cover an increased cost of Medicare. So you are modeling possible changes to the laws. And, while this is sad, you could also model what happens if one spouse dies early in retirement. You could also a...
by scone
Mon Apr 07, 2014 10:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Firecalc says I will be 100% successful but ...
Replies: 13
Views: 2197

Re: How are you preparing for the coming bear market

Since Bear markets happen on a regular basis there is one coming, not that anyone knows when. Is there anything you do to prepare for the coming bear market beyond "stay the course"? Cash in the bank. That FDIC guarantee may not be perfect, but it's rather calming. And I bought some real ...
by scone
Sat Apr 05, 2014 12:29 pm
 
Forum: Investing - Theory, News & General
Topic: How are you preparing for the coming bear market
Replies: 104
Views: 7748

Re: Most efficient bond maturities for lower stock allocatio

So my question is, do five-year treasuries still produce the highest Sharpe ratio with only a 30% stock allocation? Are one-year treasuries more efficient with my lower allocation to stocks? According to Simba's spreadsheet, it's the five year that's most efficient. When I substitute any other sort...
by scone
Sat Apr 05, 2014 12:16 pm
 
Forum: Investing - Theory, News & General
Topic: Most efficient bond maturities for lower stock allocations?
Replies: 8
Views: 532

Re: How am I doing and/or stress/sanity check :)

I'd suggest three things: 1. If you aren't already doing this, have savings automatically deducted from your paycheck each month. That's the single most important thing you can do, IMO, both in terms of meeting your goals and stressing out less. 2. Spend some time with Firecalc, the retirement model...
by scone
Fri Apr 04, 2014 10:48 am
 
Forum: Investing - Help with Personal Investments
Topic: How am I doing - stress check UPDATED with INFO
Replies: 14
Views: 1552

Re: Portfolio Advice needed for 67 year old mother

There are just too many funds here. Way too many. IIWY I'd work on the tax advantaged accounts first, boil them down to 3 - 5 funds, and then start working on taxable. Fidelity has some great low cost funds in the Spartan Advantage series, and some cheap ETFs through the iShares partnership. I would...
by scone
Fri Apr 04, 2014 10:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice needed for 67 year old mother
Replies: 9
Views: 617

Re: Fibonacci numbers: has Cramer lost his mind?

No. Cramer makes a good living creating "content" to fill in between the ads. That's all this is, infotainment and click bait, and the more clownish it is, the more buzz it creates, driving traffic and making more money.
by scone
Thu Apr 03, 2014 10:02 am
 
Forum: Investing - Theory, News & General
Topic: Fibonacci numbers: has Cramer lost his mind?
Replies: 20
Views: 1776

Re: Switching to Treasury Fund

There's also iShares GOVT, which is across the curve. It's a free trade for me at Fidelity, which is why I use it. I'm not sure about Merrill. I used to use IEI, and I noticed the two funds don't behave the same way, even though their duration is close. But why that should be so is beyond my pay gra...
by scone
Mon Mar 31, 2014 8:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Switching to Treasury Fund
Replies: 9
Views: 1136

Re: Metal roof vs asphalt shingles

Metal roofs can make more noise in the rain-- some people like the sound, others don't. Snow tends to slide off all at once in large masses, so you need to be aware around entrances and plan for it. Sometimes the paint will peel off, so do your research and get a good brand. Detailing and venting a ...
by scone
Mon Mar 31, 2014 10:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Metal roof vs asphalt shingles
Replies: 7
Views: 895

Re: How much to build a small house from scratch?

Anywhere from $50 to $250 per square feet or more. I'm not snarking, that's the range you could get depending on where it is built and the level of finish. So your question can't really be answered until you get more specific. In doing your research, I'd look at the plans Ross Chapin puts out, he ha...
by scone
Mon Mar 31, 2014 10:05 am
 
Forum: Personal Consumer Issues
Topic: How much to build a small house from scratch?
Replies: 28
Views: 1577

Re: Reading room chair - what to pay and where to purchase?

In this price range, to get good quality you need to buy used. There are lots of excellent consignment shops that sell quite good American made furniture. Some of it looks practically brand new. And you won't be bothered by salespeople.
by scone
Sat Mar 29, 2014 2:44 pm
 
Forum: Personal Consumer Issues
Topic: Reading room chair - what to pay and where to purchase?
Replies: 29
Views: 2348

Re: Statement of the Retirement Funding Problem

This is pointing out the obvious, but the company providing the annuity could go bankrupt, which to me makes it riskier than the government bond solution. And the state insurance fund doesn't completely reassure me. Even if the annuity solution is cheaper than the bond ladder, the consequences of f...
by scone
Tue Mar 25, 2014 7:05 pm
 
Forum: Investing - Theory, News & General
Topic: Statement of the Retirement Funding Problem
Replies: 89
Views: 5642

Re: How important are Int'l Bonds?

To the OP, I'd recommend you spend some time with Simba's spreadsheet, making up your own portfolios that include international bonds. You could set up a range with increasing increments of bonds, to see how helpful or dangerous they might be. For myself, having pounded away in that spreadsheet for ...
by scone
Tue Mar 25, 2014 6:23 pm
 
Forum: Investing - Theory, News & General
Topic: How important are Int'l Bonds?
Replies: 44
Views: 3785

Re: Statement of the Retirement Funding Problem

This is pointing out the obvious, but the company providing the annuity could go bankrupt, which to me makes it riskier than the government bond solution. And the state insurance fund doesn't completely reassure me. Even if the annuity solution is cheaper than the bond ladder, the consequences of fa...
by scone
Tue Mar 25, 2014 6:05 pm
 
Forum: Investing - Theory, News & General
Topic: Statement of the Retirement Funding Problem
Replies: 89
Views: 5642

Re: Saving a % of income vs saving a $ amount?

We did it by having a portion of our pay checks directed to savings before we ever saw them, so we didn't have to make any deliberate effort to save. As the paychecks increased, the savings increased, but our spending stayed about the same. If you save most of your salary increases and bonuses over ...
by scone
Tue Mar 25, 2014 5:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Saving a % of income vs saving a $ amount?
Replies: 23
Views: 3018

Re: Frugality regret: What thing do you regret not spending

Dental work. If I had done some "optional" things about 20 years ago, I would have a lot less trouble now. I also regret not buying Apple stock when I first saw the Lisa, and thought to myself, "this will change the world." I wasn't even thinking about making money on it, just ho...
by scone
Tue Mar 25, 2014 5:29 pm
 
Forum: Personal Consumer Issues
Topic: Frugality regret: What thing do you regret not spending on?
Replies: 88
Views: 10744

Re: Really confused by Bernstein

Alternatively, if you have a 2% withdrawal rate, a high equity allocation is pointless. On another issue, not all Boomers have parents who enjoyed an "affluent" retirement-- in fact a lot of the Greatest Generation folks where held back by the Depression and the war. These are the types of...
by scone
Tue Mar 25, 2014 5:20 pm
 
Forum: Investing - Theory, News & General
Topic: Really confused by Bernstein
Replies: 168
Views: 12636

Re: William Bernstein-When you've won the game, why keep pla

I'm planning on about a 2 -2.5% withdrawal rate. Combine that with SS, and it's pretty much exactly what we are living on now, and we're not deprived in any way. If you're living a middle class lifestyle in America, you're already living high on the hog compared to the planetary average. I'm not sur...
by scone
Sun Mar 23, 2014 7:05 pm
 
Forum: Investing - Theory, News & General
Topic: William Bernstein-When you've won the game, why keep playing
Replies: 241
Views: 24358

Re: Convince me to get a credit card

Obviously it's not a life and death necessity. However, just to share our personal experience, not having a credit card reduced our credit rating from the 800s to about 750. The credit report specifically cited the lack of outstanding debt as a negative! To me, that just shows how screwed up the val...
by scone
Sun Mar 23, 2014 6:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can you please convince me to get a credit card?
Replies: 80
Views: 4289

Re: An improvement on the Fama French model

Thanks, Larry. I was wondering why the Simba spreadsheet showed the micro caps doing less than spectacularly. And I've been very pleased with my AQR funds, thank you very much!
by scone
Fri Mar 21, 2014 6:18 pm
 
Forum: Investing - Theory, News & General
Topic: An improvement on the Fama French model
Replies: 47
Views: 2969

Re: best way to buy jewelry?

You could get something custom made with her design input. That would make it really personal rather than just a matter of money.
by scone
Fri Mar 21, 2014 12:16 pm
 
Forum: Personal Consumer Issues
Topic: best way to buy jewelry?
Replies: 28
Views: 1834

Re: foreign sales people calling 5 times daily

We stopped using a land line, and the problem went away. The cell phone gets very few junk calls, and I can switch it off entirely, so it doesn't ring.
by scone
Fri Mar 21, 2014 7:38 am
 
Forum: Personal Consumer Issues
Topic: foreign sales people calling 5 times daily
Replies: 41
Views: 2602

Re: Rolling over Bond Allocation-Need Help

Many Bogleheads buy individual bonds, particularly TIPs and Ibonds. There is some good info in the BH wiki on this. Also there are some posters who take a particular interest in bonds, such as #Cruncher, Doc, grok, and nisiprius. If you do a search you'll find many illuminating discussions by them, ...
by scone
Thu Mar 20, 2014 8:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rolling over Bond Allocation-Need Help
Replies: 4
Views: 226

Re: Seriously! [Why own bonds now]

I own bonds because I don't have the stomach for 100% stocks. :)
by scone
Thu Mar 20, 2014 9:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Seriously! [Why own bonds now]
Replies: 35
Views: 5060

Re: Why did Bond Funds take a beating...

Better get used to it. We're on the long road back to "normalcy," and that means volatility. :happy
by scone
Thu Mar 20, 2014 9:12 am
 
Forum: Investing - Theory, News & General
Topic: Why did Bond Funds take a beating...
Replies: 39
Views: 3555

Re: William Bernstein-When you've won the game, why keep pla

In theory, I've made my number, as Dr. Bernstein defines it, but I stay invested because I don't know what the future holds in terms of taxes and inflation. I'd rather tuck away a little bit more in case my current guesses are wrong.
by scone
Wed Mar 19, 2014 2:30 pm
 
Forum: Investing - Theory, News & General
Topic: William Bernstein-When you've won the game, why keep playing
Replies: 241
Views: 24358

Re: Is Vanguard's portfolio watch tool broken?

Fwiw, I'm having trouble with the Fullview software at Fidelity. I think Fido and Vanguard both see these functions as costs rather than profit centers, so they don't want to spend money to fix them. And I suspect not everyone uses these tools, otherwise the complaint level would be so high they'd b...
by scone
Wed Mar 19, 2014 2:24 pm
 
Forum: Personal Consumer Issues
Topic: Is Vanguard's portfolio watch tool broken?
Replies: 23
Views: 1857

Re: Turn spare change into big bucks?

It's absurdly expensive and unnecessary. Do this instead: 1. Accumulate spare change in container until there's enough to invest. 2. Go to one of the brokerages, such as Vanguard or Fidelity, and set up an investment account. 3. Transfer savings to brokerage account, buy ETFs. 4. Buy beverage of cho...
by scone
Thu Mar 13, 2014 10:56 am
 
Forum: Investing - Theory, News & General
Topic: Turn spare change into big bucks?
Replies: 29
Views: 2214

Re: Will we be ok?

It's difficult to comment usefully without knowing your budget. Knowing how much one spends is vital to all financial planning.
by scone
Wed Mar 12, 2014 12:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Will we be ok?
Replies: 45
Views: 4208

Re: The "do not know the future" allocation

Is anyone using the stock allocation system that basically split the different geographical regions equally and rebalance annually? Take the simplest model, invest equally in US, EAFE, and emerging markets. Then annually rebalance. This system assumes that one does not know the future returns of th...
by scone
Mon Mar 10, 2014 2:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: The "do not know the future" allocation
Replies: 37
Views: 3048

Re: How do I stop worrying about money?

You aren't the only one. Excessive worry is one of my bad habits. For me, a lot of it comes from early hardship, and hardship stories in my family that go back to the Civil War. It's given me the idea that the world is a dangerous place, and I can't trust it. I need to go back and re-read the beauti...
by scone
Mon Mar 10, 2014 11:18 am
 
Forum: Personal Finance (Not Investing)
Topic: How do I stop worrying about money?
Replies: 66
Views: 5568

Re: How did you get through the market crash in 08-09

To me, at the time, it seemed like the end of the world. It wasn't just the stock market, I thought we might see the collapse of the international financial system, perhaps the collapse of capitalism itself. I was a history major in school, and visions of a massive planet-wide Great Depression II fi...
by scone
Mon Mar 10, 2014 11:05 am
 
Forum: Investing - Theory, News & General
Topic: How did you get through the market crash in 08-09
Replies: 104
Views: 5431

Re: Any Subaru owners out there?

The thing that bugs me the most about the Honda CRV is the high center of gravity. I'm often driving on the dirt back roads of New Hampshire, in mud, snow and ice, with horrible pot holes and frost heaves. These roads are not engineered, often they are little more than cow tracks. Sometimes I've had...
by scone
Mon Mar 10, 2014 10:36 am
 
Forum: Personal Consumer Issues
Topic: Any Subaru owners out there?
Replies: 53
Views: 4024

Re: Kitchen Renovation: Go big....or not?

I would just upgrade the existing space. In your case, look into building a "banquette," which is upholstered bench seating like a restaurant booth. A built in pedestal table will also save space. That arrangement will fit more people than a table and chairs, and it's far more comfortable....
by scone
Fri Mar 07, 2014 12:09 pm
 
Forum: Personal Consumer Issues
Topic: Kitchen Renovation: Go big....or not?
Replies: 25
Views: 1843

Re: Stable Value Fund Canceled!

If it were my money, I'd split it half and half, in short term and total bond. That gives you a decent return, for bonds these days, but limits the interest rate risk. If you don't care too much about interest rate risk, and there are good arguments for that point of view, just stick it all in total...
by scone
Wed Mar 05, 2014 3:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stable Value Fund Canceled!
Replies: 22
Views: 2171

Re: Lump Sum Investing in this Market

If this money is in taxable, you could just stick it in a muni bond fund and maybe look at your stock allocation on the tax advantaged side. That way, your money would likely be earning more than cash, but you wouldn't be increasing your equity allocation. I fact you might be able to reduce it, if y...
by scone
Wed Mar 05, 2014 3:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lump Sum Investing in this Market
Replies: 14
Views: 1227

Re: stayed out of the market, what to do now?

Leaving aside the inflation problem, It depends on how big your portfolio is, and how small your withdrawals are going to be. If you had a 10 billion dollars and only took out 25k per year in retirement, you could go all cash. There would be no need to take stock risk. But at a million dollars, with...
by scone
Wed Mar 05, 2014 2:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: stayed out of the market, what to do now?
Replies: 64
Views: 7343

Re: Planning first trip to Oregon and Seattle - advice sough

I used to live in Portland, and I would strongly suggest a visit to the Japanese Garden, and the Chinese Garden. It's not just beautiful, it's a unique part of the Portland experience. The other thing I would not miss is the Pearl District, which epitomizes the whole "put a bird on it" Por...
by scone
Tue Mar 04, 2014 5:03 pm
 
Forum: Personal Consumer Issues
Topic: Planning first trip to Oregon and Seattle - advice sought!
Replies: 40
Views: 1668
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