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Re: Convincing fears on investing for now?

I have no idea whether "the market" is frothy or not. So I invest all over the globe, in large caps and small caps, leaning a bit to value instead of growth. I like to think I'm getting the planetary average of valuations, and I feel that's the best I can do. And now that I've made my best...
by scone
Mon Aug 18, 2014 1:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Convincing fears on investing for now?
Replies: 34
Views: 3215

Re: Bond Question

Forget the Janus fund. If it were my money, I'd put at least 50% into the Total Bond fund, because the expense ratio is so cheap. OTOH, TIPS are Treasuries, and a higher credit quality is worth something, as is the inflation protection. So maybe 100% of current money in Total Bond, with 100% new con...
by scone
Sun Aug 17, 2014 9:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond Question
Replies: 7
Views: 457

Re: [Poll] How I Feel When I Think about Investing, etc.

I like the research, and I like helping other people. But placing a trade makes me physically ill-- nausea, migraine, etc. So I keep my rebalancing efforts to once per year. Guess I'll never be a day trader. :wink:
by scone
Sat Aug 16, 2014 8:06 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] How I Feel When I Think about Investing, etc.
Replies: 36
Views: 2343

Re: Affording a 1.3 million home?

Ah, yes, high tech NoCal. Been there, done that. Try Livermore. We liked it, and you can still find foreclosed houses there. Half a million buys a decent ranch. Save the difference, and send the kids to private school. Or save and move up to Intel in Oregon, or Bellevue. Or New Hampshire, like we di...
by scone
Tue Aug 12, 2014 6:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Affording a 1.3 million home?
Replies: 105
Views: 10976

Re: Where do you buy clothes?

Talbots for sportswear and dresses, although the quality isn't what it was. Nordstrom for underthings, scarves, and tailored blazers. Macy's is hit or miss. I wait for the half yearly sales on J Crew and Ralph Lauren, which can often be 75% off or even more. Consignment stores for jewelry. I never g...
by scone
Tue Aug 12, 2014 5:58 pm
 
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 8870

Re: Theater seating for basement projection TV

I've seen some leather theater seating recliners, with cup holders, in one of our local consignment shops. Massively discounted from new retail. Many people here are older, downsizing, and moving to Florida-- they don't want to move these huge beasts. So the deals are out there.
by scone
Tue Aug 12, 2014 12:01 pm
 
Forum: Personal Consumer Issues
Topic: Theater seating for basement projection TV
Replies: 5
Views: 753

Re: International and Emerging Markets Small Cap Value

I use IEIS. Too soon to tell if it's good... :happy
by scone
Tue Aug 12, 2014 10:42 am
 
Forum: Investing - Help with Personal Investments
Topic: International and Emerging Markets Small Cap Value
Replies: 8
Views: 968

Re: Motorcycle for short commute?

I've had two motorcycles, and they were great for commuting and errands. As a woman with short legs, I had small cruisers, so I could sit with both feet firmly on the ground. You might or might not be able to find these older models (used, obviously): Yamaha RD 350, Suzuki GS 450 L. A newer one migh...
by scone
Tue Aug 12, 2014 6:17 am
 
Forum: Personal Consumer Issues
Topic: Motorcycle for short commute?
Replies: 52
Views: 3069

Re: So where's that inflation many forecasted?

M2 is getting so low FRED may have to redraw it soon. :shock:

Source: http://research.stlouisfed.org/fred2/series/M2V

Image
by scone
Mon Aug 11, 2014 4:46 pm
 
Forum: Investing - Theory, News & General
Topic: So where's that inflation many forecasted?
Replies: 43
Views: 2601

Re: I...I don't even know where to begin.

Hi there! :D You don't have to do anything you're not comfortable with, there's really no pressure at all. In order to cut down the universe of choices, IIWY I'd ask myself various questions, such as: What am I saving/investing for? Is this money taxable, or in a tax advantaged account like a 401k? ...
by scone
Mon Aug 11, 2014 3:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: I...I don't even know where to begin.
Replies: 19
Views: 2962

Re: Is 30% SCV/ 70% Bonds really a good idea?

scone Doesn't mean it's "wrong" No one right minimize tail allocation. it's just that IMO it's less diversified than could be and I would not recommend it--why leave out rest of developed world small value which is accessible. And I would certainly use EMV (or EMS) not EM, get that premiu...
by scone
Thu Aug 07, 2014 9:39 am
 
Forum: Investing - Theory, News & General
Topic: Is 30% SCV/ 70% Bonds really a good idea?
Replies: 21
Views: 1704

Re: Spreadsheet for backtesting (includes TrevH's data)

Hi, I just had a convo with Larry Swedroe on another thread, he says he didn't recommend the "half EM, half SCV" Minimize Fat Tails portfolio that's in the spreadsheet. This is what he says: Don't know where that allocation came from. But to me the choice of bonds is personal. Nominals wou...
by scone
Thu Aug 07, 2014 6:58 am
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 606
Views: 371414

Re: Is 30% SCV/ 70% Bonds really a good idea?

Don't know where that allocation came from. But to me the choice of bonds is personal. Nominals would use Intermediate, like 5- year Treasury (CDs better usually) and TIPS can also be used, and 50-50 tips and nominals also fine But definitely never showed 50% EM and 50% US SV. Suggest something lik...
by scone
Thu Aug 07, 2014 6:47 am
 
Forum: Investing - Theory, News & General
Topic: Is 30% SCV/ 70% Bonds really a good idea?
Replies: 21
Views: 1704

Re: Is 30% SCV/ 70% Bonds really a good idea?

Scone Larry Portfolio for equity portion would be 50% US SV, 37.5% ISV and 12.5% EMV Larry Interesting. FWIW the Portfolio Visualizer, which uses the Simba data IIRC, says your Minimize Fat Tails portfolio is 15% EM, 15% SCV, 35% 2 year T bills, and 35% Tips. So is the Minimize different from the L...
by scone
Wed Aug 06, 2014 7:29 pm
 
Forum: Investing - Theory, News & General
Topic: Is 30% SCV/ 70% Bonds really a good idea?
Replies: 21
Views: 1704

Re: Is 30% SCV/ 70% Bonds really a good idea?

Some random thoughts and suggestions. 20% gold will really drag down returns-- a little seems to go a long way. IIRC the Larry portfolio is 15% emerging market, 15% SCV. The combination is the thing-- correlations. Try running Trev H's Simplified Buy and Hold with 4 equal slices, 28% stock allocatio...
by scone
Wed Aug 06, 2014 7:05 pm
 
Forum: Investing - Theory, News & General
Topic: Is 30% SCV/ 70% Bonds really a good idea?
Replies: 21
Views: 1704

Re: Advice: Remodel of kitchen, bath, and basement?

Unless you have some really strange building conditions, you probably don't need an architect. And in your price bracket, you probably can't afford the guys who practice around NYC. Going with a design/build is an option, but it would be better to get competitive bids. IIWY I'd get an independent ki...
by scone
Tue Aug 05, 2014 2:00 pm
 
Forum: Personal Consumer Issues
Topic: Advice: Remodel of kitchen, bath, and basement?
Replies: 30
Views: 1407

Re: International investing. A good call by our mentor.

Let's say you are holding a 50% stock, 50% bond portfolio. The stock portion is 50% domestic, 50% international. The bond portion is in the AGG. So your total international exposure isn't that high. If your stock allocation is less than 50%, half in international, and your bonds are Treasuries, your...
by scone
Tue Aug 05, 2014 9:41 am
 
Forum: Investing - Theory, News & General
Topic: International investing. A good call by our mentor.
Replies: 145
Views: 12295

Re: Buying land and building house

There are so many books on residential construction, I couldn't list them all. Two of my faves are Make Your House Do the Housework and Build It Right! There's an architect, Ross Chapin, who sells quite decent small house plans. But what you really need is an honest contractor willing to take on a v...
by scone
Tue Aug 05, 2014 8:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying land and building house
Replies: 22
Views: 2472

Re: HUFF POST: How Financially Literate Is the Investing Pub

Weren't the leading Bogleheads going to start some sort of financial literacy project? IIRC I heard about it at a previous conference.
by scone
Thu Jul 31, 2014 11:13 am
 
Forum: Investing - Theory, News & General
Topic: Huff Post: How Financially Literate Is the Investing Public?
Replies: 52
Views: 4580

Re: Australian Superannuation for Uni Student

Thanks any idea of any super companies that let you invest with vanguard because its to complected and expensive to set up a self managed super fund? i found sunsuper who have a range of index options available and seem to be fairly low cost by australian standards. I'm not sure about this, I'm a Y...
by scone
Wed Jul 30, 2014 12:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Australian Superannuation for Uni Student
Replies: 9
Views: 490

Re: global diversification works in long term

I'm at 50% international, 50% domestic in my equity allocation, but almost all American in my bonds. Thus my Fido widget says I'm weighted 91% to American overall. Even 100% international stock would still give me a massive "home country bias."
by scone
Wed Jul 30, 2014 9:39 am
 
Forum: Investing - Theory, News & General
Topic: global diversification works in long term
Replies: 21
Views: 1912

Re: Australian Superannuation for Uni Student

My husband had an AMP deal similar to this, which his father arranged for him when he was at Uni. it's a long time ago now, but IIRC the numbers made it a very poor choice, and it was difficult to drop it. AMP threw in a lot of blocks-- they were making money, so they didn't want to let us out. It t...
by scone
Wed Jul 30, 2014 9:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Australian Superannuation for Uni Student
Replies: 9
Views: 490

Re: Need Perspective and Advise

I think this guy is full of it. A 40% stock, 60% bond indexed portfolio is an absolute classic that will serve you well. A tiny basket of stocks is a lot less diverse than the allocation you have-- it makes no sense. This guy is trying to frighten you into giving him money. One percent per year, com...
by scone
Wed Jul 30, 2014 7:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Need Perspective and Advise
Replies: 21
Views: 1808

Re: Taking out mortgage with zero down. Smart or no?

As a taxpayer, I'm proud to help back your mortgage. As far as the market goes, you need to look at your rental costs versus your total costs of ownership. That's a major factor in the rent versus buy decision. And the problem of the market tanking after you buy is part of your risk, obviously, but ...
by scone
Mon Jul 28, 2014 6:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taking out mortgage with zero down. Smart or no?
Replies: 64
Views: 3239

Re: Selling House - Do We Need a Listing Broker?

I agree, the current real estate business model should be killed stone dead. I hired a full service broker to sell my home, and 11 days after the house hits the MLS, with poor description and photos I might add, I still have no sign on the property. And now the guy is not returning my calls or email...
by scone
Mon Jul 28, 2014 5:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selling House - Do We Need a Listing Broker?
Replies: 61
Views: 2764

Re: Young investor blending SUBH and Minimized Fat Tails?

Some of the asset classes go back before the '70's, and some do not. The modern form of the S & P 500 dates to 1957. TIPs date from 1997. So the backtesters we have are working with a relatively small dataset. Don't try to use the backtester to derive exact answers, it's an educational tool. It ...
by scone
Sun Jul 27, 2014 1:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young investor blending SUBH and Minimized Fat Tails?
Replies: 40
Views: 2545

Re: How Should I Manage My 401k?

1. There's no way to know in advance which assets are going to make the most money going forward. If I knew that, I'd be posting from my own private island. 2. No. You already have all the tools you need. 3. No, you have some good, cheap funds here. You need a coherent structure for the portfolio as...
by scone
Sat Jul 26, 2014 5:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: How Should I Manage My 401k?
Replies: 7
Views: 721

Re: Young investor blending SUBH and Minimized Fat Tails?

Why don't you download the Simba spreadsheet on this site, google above, and put this spreadsheet in there? If you spend a few hundred hours playing with that and reading the books, you won't need to ask anyone else. You will have developed your own unique portfolio tailored to your needs. You can a...
by scone
Sat Jul 26, 2014 4:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young investor blending SUBH and Minimized Fat Tails?
Replies: 40
Views: 2545

Re: Young investor blending SUBH and Minimized Fat Tails?

What would your suggested asset allocation be if I wanted to take on a similar risk to my current allocation but with the tilts I've decided on? It would be a really lousy idea for me to give you some random AA off the top of my head. I don't know you. In any case, the work that goes into creating ...
by scone
Sat Jul 26, 2014 2:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young investor blending SUBH and Minimized Fat Tails?
Replies: 40
Views: 2545

Re: Buying a Home - Town permit records don't match disclosu

The amount and type of permitting required depends on the town, and the nature of the work done. I just finished two remodels, and since I didn't change any electrical or plumbing, there were no permits. For example, my town doesn't care if you remove all the kitchen cabinets and replace them with n...
by scone
Sat Jul 26, 2014 2:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying a Home - Town permit records don't match disclosures
Replies: 57
Views: 3562

Re: Young investor blending SUBH and Minimized Fat Tails?

For bonds, I would skip the corporates and go with a mix of shorter term nominal Treasuries, TIPs, and a little bit of long term Treasuries for "panic" scenarios. You can stick with the Blackrock funds as much as possible, as they are cheaper, and put your small cap value in the Roths. One...
by scone
Sat Jul 26, 2014 7:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Young investor blending SUBH and Minimized Fat Tails?
Replies: 40
Views: 2545

Re: Need Investing Advice

You have a lot of funds here, and quite a bit in money market, which is losing to inflation and doing nothing to help when stocks are down. You should consolidate into the Spartan Advantage series funds, which are quite cheap, and fill in, if need be, with the iShares ETFs that trade free at Fido. T...
by scone
Fri Jul 25, 2014 3:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Investing Advice
Replies: 17
Views: 1529

Re: Best On-line Portfolio trackers

Do you mean a portfolio backtester, or a modeling program to analyze your current portfolio?
by scone
Fri Jul 25, 2014 2:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best On-line Portfolio trackers
Replies: 16
Views: 1667

Re: Help on choosing between investing/paying mortgage/colle

Why do you have to choose between them? You could pick 2 or 3, split it many different ways. IIWY I'd build a little spreadsheet and explore the options a bit.
by scone
Fri Jul 25, 2014 2:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help on choosing between investing/paying mortgage/college
Replies: 12
Views: 911

Re: How to interpret the bond news

telemark wrote:
richard wrote: Ignore the article. It's pure financial porn.

Good entertainment, though. I can't decide which I like better, "pigs at the bond trough" or "mignons of the fed."


Tastes just like chicken! :twisted:
by scone
Fri Jul 25, 2014 2:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to interpret the bond news
Replies: 5
Views: 800

Re: 500K Sitting in a Bank Account

If there's 500k in one bank account, does that mean you are beyond the FDIC insurance limits? If so, I'd put it in several CDs, possibly a ladder, in different institutions. They should be titled in some logical manner, but that requires some conversation in the family.
by scone
Thu Jul 24, 2014 1:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: 500K Sitting in a Bank Account
Replies: 17
Views: 1610

Re: Primer on slice and dice alternatives to total bond mark

Apart from my Stable Value fund, which has some mediocre credits, I use 3 Fido Treasury funds: FSBAX (short), FIBAX (intermediate) and FLBAX (long). The weighted average duration is about 4.5 years, including Stable Value. I have played with various allocations within Treasuries on the Simba backtes...
by scone
Thu Jul 24, 2014 12:43 pm
 
Forum: Investing - Theory, News & General
Topic: Primer on slice and dice alternatives to total bond market?
Replies: 8
Views: 618

Re: Slice and Dicers -- Plans when you can't manage it anymo

If you are incapacitated, someone will have too look after it whether it's 3 funds or 15. If the person doing that job can't or won't do it properly, then someone else should-- again, no matter how many slices there are. Personally, I slice, and I've trained my husband so he knows the theory and can...
by scone
Tue Jul 22, 2014 1:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Slice and Dicers -- Plans when you can't manage it anymore?
Replies: 38
Views: 2302

Re: Bond funds- your percentage of intermediate vs. short-te

This isn't a recommendation per se, but I hold 30% stock, so obviously my portfolio is dominated by the bond allocation. I have about 15% in Stable Value, which has a duration of about 3 years, IIRC. (My SV is a right royal PITA, so let's not even go there.) The rest is now split among the three Fid...
by scone
Tue Jul 22, 2014 9:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond funds- your percentage of intermediate vs. short-term?
Replies: 12
Views: 1170

Re: How would you handle this situation if it was you.

I was sort of in a similar situation, back in the 70s. I had scholarships and grants to a good school, but the the oil shock hit and my tuition doubled. I had to leave school, go to work, and live pretty rough for years. I finally got back to school, but it took me 8 years to finish. At times I had ...
by scone
Mon Jul 21, 2014 5:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: How would you handle this situation if it was you.
Replies: 15
Views: 1995

Re: Stable Value Fund vs Total Bond Market

I'm not thrilled with our SV. It's basically a mix of short term Treasuries and short term corporates, MBS, and CMBS, with a smattering of other stuff, including hedge funds, private equity, and other questionable "alternative investments." There's nt guaranteed minimum payout. Right now i...
by scone
Mon Jul 21, 2014 1:53 pm
 
Forum: Investing - Theory, News & General
Topic: Stable Value Fund vs Total Bond Market
Replies: 27
Views: 2200

Re: Much risk in moving into FSBAX or FSHBX?

FSBAX is a straightforward Treasury fund with a low expense ratio. FSHBX holds many different types of shorter term bonds, with a much higher expense ratio. On balance, I'd say FSHBX is riskier, so it might pay better, maybe even keeping up with inflation after expenses. That's maybe. FSBAX has less...
by scone
Sat Jul 19, 2014 10:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Much risk in moving into FSBAX or FSHBX?
Replies: 5
Views: 426

Re: Do any bogleheads hold the "Larry Portfolio?"

I'd say mine is strongly influenced by the Larry Portfolio, although I have more slices, like Paul Merriman, because I'm looking for less tracking error. So the tilt isn't as strong as the "LP." It's 30% stock and 70% bonds. Like so: Stock: 3% Large Cap Blend 3% Large Cap Value 3% Small Ca...
by scone
Sat Jul 19, 2014 7:42 am
 
Forum: Investing - Theory, News & General
Topic: Do any bogleheads hold the "Larry Portfolio?"
Replies: 18
Views: 2513

Re: Economics 101

Start here. Read the entire entry carefully, and the links. At some point you should read the original works. Then you'll need some background in statistics. But don't imagine all this will make you a better investor, necessarily. It will make you a better educated human being, which is worthwhile i...
by scone
Fri Jul 18, 2014 11:05 am
 
Forum: Investing - Theory, News & General
Topic: [Learning about] Economics 101
Replies: 37
Views: 3104

Re: A question for the Bogleladies or those who can consult

Nordstrom has an excellent lingerie department with fitters who actually have a clue. Wacoal is a good brand, their stuff lasts and it's not tacky. ETA: this is one area where spending a little more pays off in less back pain, more comfort, and maybe even better posture. You can see the results of p...
by scone
Mon Jul 14, 2014 7:53 pm
 
Forum: Personal Consumer Issues
Topic: A question for the Bogleladies or those who can consult one
Replies: 70
Views: 5820

Re: Anyone here flip houses?

Unless you do a lot of the work yourself, you likely won't make much money. Living on a construction site to get the tax break can be pretty brutal, and that goes double for relationships. You can get "killed by the carry" if the market turns against you, and it can turn in a matter of wee...
by scone
Mon Jul 14, 2014 3:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone here flip houses?
Replies: 40
Views: 4682

Re: High end purses

If I have to replace a bag every year, that costs me time, which is not valueless. A massive wardrobe of cheap disposable goods costs a lot of time and costs more in maintenance. I suspect this is one reason Jack Bogle relies on his tribal preppie uniform of navy blazer, khakis, loafers, etc. The un...
by scone
Sat Jul 12, 2014 11:26 am
 
Forum: Personal Consumer Issues
Topic: High end purses
Replies: 119
Views: 12478

Re: Two kinds of people.

TxAg: There are two kinds of people: Inner-directed and outer-directed . Outer-directed are the people who buy flashy handbags to impress others. I prefer inner-directed people like Jack Bogle (who wears a $17 wrist-watch). Best wishes. Taylor At a certain level of wealth, you can do whatever you w...
by scone
Sat Jul 12, 2014 9:17 am
 
Forum: Personal Consumer Issues
Topic: High end purses
Replies: 119
Views: 12478

Re: High end purses

$300-$500 gets you a mid-range mall brand, not high end. The high end ladies are playing a complex social signaling game which gets them certain privileges, like a certain seat at a restaurant. and better business contacts. For many jobs in fashion, marketing, design, and even real estate, this sort...
by scone
Sat Jul 12, 2014 7:17 am
 
Forum: Personal Consumer Issues
Topic: High end purses
Replies: 119
Views: 12478

Re: My house just flooded

I'm sorry to hear of all this, house troubles are very upsetting, aren't they? But this too shall pass. The poster who wrote "document everything" is correct, you need to take pictures of the damage and keep records of every conversation you have with the water people. In the long run, if ...
by scone
Fri Jul 11, 2014 7:30 am
 
Forum: Personal Finance (Not Investing)
Topic: My house just flooded
Replies: 13
Views: 2036
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