Search found 1176 matches

by scone
Tue Sep 01, 2015 4:38 pm
Forum: Investing - Theory, News & General
Topic: Can you get better returns by overweighting low-PE assets?
Replies: 35
Views: 1226

Re: Can you get better returns by overweighting low-PE assets?

There is a difference between it really matters in a material way and it matters to me on an emotional level, which was the point of the old timer. Sure folks get very invested in their point of view, so it matters on that level. It just does not matter very much on a rational "is there any so...
by scone
Tue Sep 01, 2015 3:48 pm
Forum: Investing - Theory, News & General
Topic: Can you get better returns by overweighting low-PE assets?
Replies: 35
Views: 1226

Re: Can you get better returns by overweighting low-PE assets?

"You can only get long heated debates because the differences are too small to matter very much. If one were clearly better there would be no debate, we'd all just agree and move on." I think it matters a very great deal to the people who regularly engage in these debates. It seems to pro...
by scone
Tue Sep 01, 2015 3:15 pm
Forum: Investing - Theory, News & General
Topic: Can you get better returns by overweighting low-PE assets?
Replies: 35
Views: 1226

Re: Can you get better returns by overweighting low-PE assets?

Finding some very contradictory information on this community. Some people are saying you should hold small, value, emerging, etc. for higher returns others say you should hold cap weight because cap weight is efficient. Which side is right? What should I do? Bogleheads is a big forum, with many th...
by scone
Tue Sep 01, 2015 2:47 pm
Forum: Investing - Theory, News & General
Topic: Perspective on recent volatility, Part 3 of the series
Replies: 4
Views: 696

Re: Perspective on recent volatility, Part 3 of the series

I'm still buying, and I feel good about it as prices are a little lower. Thanks for helping me change for the better! :happy
by scone
Tue Sep 01, 2015 2:36 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1985
Views: 380533

Re: U.S. stocks in freefall

Why buy today when futures point to another drop tomorrow? (Wash, rinse, repeat.) :twisted:
by scone
Thu Aug 27, 2015 8:14 am
Forum: Personal Consumer Issues
Topic: Catch 22 Painting Issue and RRP
Replies: 4
Views: 863

Re: Catch 22 Painting Issue and RRP

I've been working with subs for 30 years, and I've worked for subs myself. I can tell you, it's always about money. Always. In this case, the sub is going to have to do a lot of prep work to meet the rules. Not a lot of profit there. The amount of paint used on the sash and trim is low compared to d...
by scone
Wed Aug 26, 2015 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for a big ticket item on retirement?
Replies: 22
Views: 3106

Re: Paying for a big ticket item on retirement?

You could rent a trailer or RV.
by scone
Mon Aug 24, 2015 4:52 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1985
Views: 380533

Re: U.S. stocks in freefall

Wowie zowie, I can't even tell you guys how relieved I feel. I didn't even know I was getting worried about how high the market had risen, and then it just sat there, doing nothing, for months! That was uncomfortable. I had no idea that "sideways markets" could make me so tense. Not fun. I...
by scone
Mon Aug 24, 2015 10:06 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1985
Views: 380533

Re: U.S. stocks in freefall

Woo-hoo, Jesse's gonna shave! :Fist pump: :sharebeer

https://twitter.com/jessefelder/status/ ... 1689252868
by scone
Mon Aug 24, 2015 9:46 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1985
Views: 380533

Re: U.S. stocks in freefall

InvestorNewb wrote:What is going on? :oops:


We're getting a nice little sale. I'll be buying through this, and with any luck my average cost per share will go down. Thank you, Mr. Market. :D
by scone
Sat Aug 22, 2015 3:29 pm
Forum: Investing - Theory, News & General
Topic: Loss in portfolio makes me spend more, do you ?
Replies: 30
Views: 2584

Re: Loss in portfolio makes me spend more, do you ?

I find that interesting. We probably spend more when DW gets a bonus, or we have a great month in the markets (the famous "wealth effect"). Tbh, after the past week or two, I did not have a hankering to go out and spend beyond what I had planned on spending. ETA: scone, the smiley reassur...
by scone
Sat Aug 22, 2015 2:21 pm
Forum: Investing - Theory, News & General
Topic: Loss in portfolio makes me spend more, do you ?
Replies: 30
Views: 2584

Re: Loss in portfolio makes me spend more, do you ?

The retirement money feels kind of unreal to me, since I'm not retired yet. It doesn't enter into my spending, which comes out of what I consider "cash flow." I have been spending a bit on clothes lately, but that's because I lost 50 pounds. :D
by scone
Sat Aug 22, 2015 2:16 pm
Forum: Personal Consumer Issues
Topic: Online clothing shopping?
Replies: 16
Views: 1411

Re: Online clothing shopping?

Brooks Brothers, J.Crew, and Ralph Lauren have decent basics. We just got back from the outlet center, and found prices there to be cheaper than online.
by scone
Sat Aug 22, 2015 1:43 pm
Forum: Investing - Theory, News & General
Topic: How long will you"Stay the Course"?
Replies: 99
Views: 8666

Re: How long will you"Stay the Course"?

Our stock allocation is only 30%, and our bonds are Treasuries, a Total Bond clone, and cash. In retirement we will have two SS checks, a pension, an HSA, and employer paid medical. Paid off house, no debt. So, I'm good-- and FWIW I don't think this is a global meltdown, just an overdue correction. ...
by scone
Fri Aug 21, 2015 5:19 pm
Forum: Investing - Theory, News & General
Topic: Where are you in the cycle of market emotions?
Replies: 63
Views: 5519

Re: Where are you in the cycle of market emotions?

I'm feeling relieved because the shoe has finally dropped. People have been talking about a correction for months now, and it looks like it may be happening. The Financial Times Alphaville section has long had a running title called "This is nuts. When's the crash?" which describes it perf...
by scone
Fri Aug 21, 2015 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: With Stock Market heading south
Replies: 95
Views: 11257

Re: With Stock Market heading south

^ There was a really good thread on this topic, "rebalancing into a black hole," some time back. The upshot was that you can't tell if you are "rebalancing into poverty," so you might want to set some sort of limits. IIRC Larry Swedroe said he doesn't even rebalance on the down s...
by scone
Fri Aug 21, 2015 3:37 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1985
Views: 380533

Re: U.S. stocks in freefall

I'm kinda excited. It's like the Fedex "doom" commercial where people get themselves worked up into a frenzy. Not yet at the panic button stage though. Next week should be fun-- if the weekend punditocracy goes for the "end times" narrative, things could keep right on dropping.
by scone
Fri Aug 21, 2015 2:58 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1985
Views: 380533

Re: U.S. stocks in freefall

^ Counting the digits to the right if the decimal? :D
by scone
Fri Aug 21, 2015 2:34 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1985
Views: 380533

Re: U.S. stocks in freefall

^ PPT FTW! :greedy
by scone
Fri Aug 21, 2015 10:13 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1985
Views: 380533

Re: U.S. stocks in freefall

I wanna see Jesse Felder shave his beard! :twisted:

http://thefelderreport.com/blog/
by scone
Thu Aug 20, 2015 3:06 pm
Forum: Investing - Theory, News & General
Topic: anyone treating this as an RBD (really bad day)
Replies: 95
Views: 10147

Re: anyone treating this as an RBD (really bad day)

Pretty wimpy for a dip. This whole year has been a whole lot of nothing. Becalmed in the doldrums. Picture the Vanguard in the Sargasso Sea... :)
by scone
Thu Aug 20, 2015 2:59 pm
Forum: Personal Consumer Issues
Topic: Removing black stains from tub
Replies: 23
Views: 1588

Re: Removing black stains from tub

Might be iron, hence the black color. Try Iron-Out. And don't scrub the thing with harsh abrasives, that just makes the surface porous, and more absorbent in the long run. In fact, come to think of it, you should take a look at it up close and personal. If the tub is iron or steel, t's just possible...
by scone
Wed Aug 19, 2015 8:59 am
Forum: Personal Consumer Issues
Topic: New Kitchen Appliances
Replies: 31
Views: 2532

Re: New Kitchen Appliances

I think you should start by figuring out your total budget and specifications, get some quotes, then the brands will become apparent. Also make sure there are local service people who will work on the brands you want. Aside from that, keep the value of the property as a whole in mind when re-doing t...
by scone
Tue Aug 18, 2015 10:57 am
Forum: Investing - Help with Personal Investments
Topic: What do you think of this 'demo' portfolio?
Replies: 55
Views: 2651

Re: What do you think of this 'demo' portfolio?

Yes, past performance doesn't tell the future, so then WHAT DOES? Nothing. If someone could really predict the future of the markets, they would be ruling the world, literally. There are some lucky people who have made a lot of money, but they take huge risks and and quite willing to go bankrupt in...
by scone
Mon Aug 17, 2015 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: Fixed Income/Bond Allocation Suggestions
Replies: 25
Views: 2085

Re: Fixed Income/Bond Allocation Suggestions

I'm bumping this up, as I'm not quite sure how to interpret this. Do you want to increase risk in hopes of better returns, on bonds, stocks, or both?
by scone
Mon Aug 17, 2015 1:05 pm
Forum: Investing - Theory, News & General
Topic: Do you believe in the Shamita?
Replies: 20
Views: 786

Re: Do you believe in the Shamita?

Nope, I don't believe. But it doesn't matter what I believe, what matters is what Mr. Market believes and acts on. So the question is, are there enough believers to spook the herd and send them stampeding over the cliff?
by scone
Thu Aug 13, 2015 5:33 pm
Forum: Personal Consumer Issues
Topic: Home Addition-Yay or Nay?
Replies: 10
Views: 975

Re: Home Addition-Yay or Nay?

If the basement can accomodate legal egress windows, you could put the kids down there and turn one of the upstairs bedrooms into a master bath. Alternatively, and this is the least stressful way, build a new wing and connect it with a hallway or closets to the rest of the house. One issue you will ...
by scone
Tue Aug 11, 2015 10:23 am
Forum: Personal Consumer Issues
Topic: Should i take furniture to consignment store?
Replies: 14
Views: 1275

Re: Should i take furniture to consignment store?

Any sense of how much I would receive at auction compared with what I would receive from a consignment sale? ^^ Total crap shoot, depending on how fashionable the stuff is, the number of possible buyers who are aware of the auction and willing to bid, etc. Why don't you take some pictures of your st...
by scone
Tue Aug 11, 2015 9:22 am
Forum: Investing - Theory, News & General
Topic: What is going on out there?
Replies: 43
Views: 6412

Re: What is going on out there?

What is going on out there? Not much of anything, really, at least in terms of price . Go to Google Finance and set the time scale to YTD (Year to Date). As I write, the DOW is down a bit, the S & P is up a bit. The NASDAQ is up a bit more, with a lot of volatility-- that's not exactly a shocke...
by scone
Fri Aug 07, 2015 4:29 pm
Forum: Investing - Theory, News & General
Topic: CDs vs. treasury bonds
Replies: 99
Views: 7185

Re: CDs vs. treasury bonds

^ I'm aware of these points, they have been covered many, many times in this forum, and there's a great deal of this material in the wiki. Oddly enough, I plan to use my CD "down at the credit union" as a simple, but useful, cash savings vehicle. The liquidity gives me many options, and us...
by scone
Fri Aug 07, 2015 3:51 pm
Forum: Investing - Theory, News & General
Topic: 3 Reasons to Rejoice Higher Interest Rates
Replies: 54
Views: 7254

Re: 3 Reasons to Rejoice Higher Interest Rates

^ Yes, this is my understanding as well. But the bond pool as it is now, is an artifact of the crash, and AFAIK the Fed has always said it would eventually let it shrink. But as time goes on, if the Fed continues to raise rates, however slowly, you get a glaring mismatch between the "normalizat...
by scone
Fri Aug 07, 2015 12:06 pm
Forum: Investing - Theory, News & General
Topic: 3 Reasons to Rejoice Higher Interest Rates
Replies: 54
Views: 7254

Re: 3 Reasons to Rejoice Higher Interest Rates

It just seems like sound and fury, social signaling, and handwaving. If the Fed really wanted rates to go up, wouldn't they sell off their pool of bonds, or at least let the short end mature without buying more? :?
by scone
Fri Aug 07, 2015 11:29 am
Forum: Investing - Theory, News & General
Topic: Thoughts on IEIS iShares Enhanced International Small-Cap
Replies: 24
Views: 1956

Re: Thoughts on IEIS iShares Enhanced International Small-Cap

^ I would go all Nike and say "just do it." There are no perfect plans. That said, here's what I do. We have his and hers Roths. Each Roth has small cap value domestic (QSMLX), and small cap international (VSS), along with some Treasuries for rebalancing. Each Roth contains half the total ...
by scone
Fri Aug 07, 2015 11:10 am
Forum: Personal Finance (Not Investing)
Topic: General Finance Strategies for Upper Middle Class
Replies: 33
Views: 5379

Re: General Finance Strategies for Upper Middle Class

This might be uncomfortable or even painful to contemplate, but FWIW kids are one of the biggest expenses. Wonderful as they are, raising kids and sending them to college costs amazing amounts of money. I've forgotten the exact numbers, but IIRC it's something like a couple of hundred thousand dolla...
by scone
Fri Aug 07, 2015 9:50 am
Forum: Investing - Theory, News & General
Topic: Thoughts on IEIS iShares Enhanced International Small-Cap
Replies: 24
Views: 1956

Re: Thoughts on IEIS iShares Enhanced International Small-Cap

^ Keeping in mind that VSS is more "smid" and not especially valuey. NTTAWWT, I own VSS too. :happy
by scone
Thu Aug 06, 2015 7:20 pm
Forum: Investing - Help with Personal Investments
Topic: Put all my TSP in G fund ??
Replies: 17
Views: 1512

Re: Put all my TSP in G fund ??

From reading some of your other posts, it seems you are going through a lot right now. I would suggest this is not the time to be making big investment decisions-- strong emotions can lead you astray. This too shall pass. :D
by scone
Wed Aug 05, 2015 1:30 pm
Forum: Investing - Theory, News & General
Topic: CDs vs. treasury bonds
Replies: 99
Views: 7185

Re: CDs vs. treasury bonds

Taxes. The income from our 401k bond funds gets a tax deferral that's worth something, and in our Roths it's tax free. The CDs down at the credit union are taxed each year. I imagine that accounts for some of the difference.
by scone
Wed Aug 05, 2015 1:07 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on IEIS iShares Enhanced International Small-Cap
Replies: 24
Views: 1956

Re: Thoughts on IEIS iShares Enhanced International Small-Cap

I bought it partly because it's developed markets only, since I already have an emerging markets allocation. The factor aspect is a worthwhile experiment, IMO. In a way the factors make the fund very rule constrained, which to me is more game-like than an index, but I don't know if it makes any diff...
by scone
Fri Jul 31, 2015 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Need Help - Water Softener and Drinking Water Problem
Replies: 5
Views: 395

Re: Need Help - Water Softener and Drinking Water Problem

You might be able to use potassium in the water softener, instead of sodium chloride. Not all systems allow it, but worth a check.
by scone
Fri Jul 31, 2015 5:44 am
Forum: Investing - Theory, News & General
Topic: 401K - Recommend a good Fidelity bond fund
Replies: 6
Views: 588

Re: 401K - Recommend a good Fidelity bond fund

And just to round it off, here are the Treasury funds, all at 0.10% ER:

FSBAX -- short term
FIBAX -- intermediate
FLBAX -- long term
FSIYX -- TIPS
by scone
Mon Jul 27, 2015 9:44 am
Forum: Personal Consumer Issues
Topic: Would you look down on a co-worker for driving a beater?
Replies: 196
Views: 13785

Re: Would you look down on a co-worker for driving a beater?

There are some professions where appearances definitely do matter, such as advertising, marketing, sales, and especially anything having to do with design. Appearances definitely matter to certain types of career military officers as well, but the emphasis is on the discipline implied by having your...
by scone
Fri Jul 24, 2015 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: Sold a house, bought a house – now, what to do with savings?
Replies: 7
Views: 944

Re: Sold a house, bought a house – now, what to do with savings?

Do you have tax advantaged accounts, like 401k? That makes a difference, as some people would say use the tax advantaged for bonds, and taxable for stock, so you can tax loss harvest. OTOH, if you are very risk averse, you might like a simple ladder of CDs-- you "break into" the lowest run...
by scone
Fri Jul 24, 2015 9:49 am
Forum: Investing - Theory, News & General
Topic: My thoughts on the Greek crisis
Replies: 8
Views: 1611

Re: My thoughts on the Greek crisis

Thank you, once again! I've actually been buying, not selling, as I hit my band recently. Sticking with my Merriman/Big Rocks allocation. :sharebeer
by scone
Tue Jul 14, 2015 10:53 am
Forum: Personal Finance (Not Investing)
Topic: My Dad Opened A HELOC Out of Nowhere: What Do I Need To Watch Out For?
Replies: 12
Views: 1674

Re: My Dad Opened A HELOC Out of Nowhere: What Do I Need To Watch Out For?

Just because they got a HELOC (if that's what it is), doesn't mean they have to use it. You can help by studying this product in detail, and educating them, noting the dangers if it is misused. If the HELOC costs them nothing, and it's cheaper than a credit card, with tax deductible interest, it mig...
by scone
Fri Jul 10, 2015 12:39 pm
Forum: Personal Consumer Issues
Topic: Good Low ER Fidelity Indexes
Replies: 16
Views: 734

Re: Good Low ER Fidelity Indexes

FLBAX has an ER of .10%, as does FSBAX for short term, FIBAX for intermediate, and FSIYX for TIPS.
by scone
Fri Jul 10, 2015 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: reassurance
Replies: 20
Views: 1215

Re: reassurance

I'm in the same boat, as I had to buy quite a bit more stock, due to selling a house prior to retirement. Intellectually, I know I did the right thing. Emotionally, it's hard to see those dollars go bye-bye. But I'm told they will come back someday, bringing their buddies with them. It seems to me, ...
by scone
Fri Jul 10, 2015 11:41 am
Forum: Investing - Help with Personal Investments
Topic: U.S. Reserve Currency Status [Target Retirement fund or gold?]
Replies: 12
Views: 1125

Re: U.S. Reserve Currency Status

I've read that the U.S. may lose its place as the world's reserve currency in October or November this year. Would it be beneficial to replace Target Retirement funds with a gold etf? I lack knowledge and need advice. Thanks all. Pure, unadulterated nonsense. There are lots of doomer sites that wan...
by scone
Wed Jul 08, 2015 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: Looking at the bond portion of portfolio
Replies: 4
Views: 678

Re: Looking at the bond portion of portfolio

Welcome! :happy

Dodix is sort of redundant. You don't need the income, but you do need portfolio protection. IIWY I'd sell it and buy an intermediate Treasury fund-- I use FIBAX, which is cheap at .10% ER.
by scone
Wed Jul 08, 2015 11:33 am
Forum: Investing - Help with Personal Investments
Topic: NYSE trading halted [for more than 3 hours]
Replies: 32
Views: 3112

Re: NYSE trading halted

I've noticed a lot of problems with the net recently, both slow downs and crashes. Traffic/router issues?
by scone
Tue Jul 07, 2015 2:46 pm
Forum: Personal Consumer Issues
Topic: Architecture / Home Design Book Recommendation
Replies: 6
Views: 389

Re: Architecture / Home Design Book Recommendation

Are you looking for "inspiration" or a practical guide to design? If the latter, then you want something like Make Your House Do the Housework or Build it Right . If you go to the relevant Amazon page for either of these books, you will see others. The basic thing to figure out is your nee...

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