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Re: VWO seems cheap right now

Is VWO a good fund to buy for a taxable account? Is it as tax efficient as, say, an S&P 500 index fund ? It is more tax-efficient than a Total US Stock Market index fund, so it is probably more tax efficient than an S&P500 index fund. Is it necessarily more tax-efficient? I see pros and con...
by statsnerd
Thu Nov 07, 2013 10:02 pm
 
Forum: Investing - Theory, News & General
Topic: VWO seems cheap right now
Replies: 125
Views: 14149

Re: f.lux for sleep/relaxation (freeware)

I've used Redshift which is similar to f.lux on my laptop. I also use the Android app Twilight on my phone and my tablet.
by statsnerd
Thu Oct 24, 2013 6:29 pm
 
Forum: Personal Consumer Issues
Topic: .....
Replies: 11
Views: 1817

Re: Home Ownership May Actually Cause Unemployment (NY Times

The whole correlation/causation debate probably could have been avoided here if the title of the post more accurately reflected the contents of the article. The post title says "Home Ownership May Actually Cause Unemployment," when the article not only does not say so, but explicity ackno...
by statsnerd
Fri May 10, 2013 5:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home Ownership May Actually Cause Unemployment (NY Times)
Replies: 12
Views: 1569

Re: Help with potential job offer

This is some of the best advice I've read on startups and making that decision http://www.bothsidesofthetable.com/2009/11/04/is-it-time-for-you-to-earn-or-to-learn/ I went to college in Silicon Valley and worked there for 4 years. I have a Ph.D. as well and I've had many friends try the startup worl...
by statsnerd
Wed May 08, 2013 12:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Help with potential job offer
Replies: 47
Views: 1846

Re: Is there any way to minimize loses in my situation?

This classic article from 1982 'Have you Ever Tried to Sell a Diamond?' still rings true today http://www.theatlantic.com/magazine/archive/1982/02/have-you-ever-tried-to-sell-a-diamond/304575/
by statsnerd
Thu Apr 25, 2013 6:45 pm
 
Forum: Personal Consumer Issues
Topic: Is there any way to minimize loses in my situation?
Replies: 17
Views: 1726

Re: Thoughts on computer-based trading

The only time you publish a paper is after the algorithm has stopped making money. Otherwise you're just being stupid. I remember a similar paper on sentiment analysis (i.e. how positive/negative something is) on Twitter to predict stocks http://www.forbes.com/sites/tomgroenfeldt/2011/11/28/trading-...
by statsnerd
Thu Apr 25, 2013 6:42 pm
 
Forum: Investing - Theory, News & General
Topic: Thoughts on computer-based trading
Replies: 8
Views: 528

Re: My Take on Gold

That means that its arithmetic return is going to be higher than its geometric return. Small nit. The arithmetic return is ALWAYS (weakly) greater than the geometric return due to Jensen's inequality because log is a concave function. The only time they equal each other is if the return is the exac...
by statsnerd
Thu Apr 25, 2013 3:17 pm
 
Forum: Investing - Theory, News & General
Topic: My Take on Gold
Replies: 213
Views: 17415

Re: Frontline--The Retirement Gamble

The JP Morgan guy - I hope he took the rest of the week off :oops:. Can you imagine - an executive VP of retirement savings at a major institution - on national television, looked quite incompetent. Not that Wells Fargo did such a hot job either. Prudential, tsk, tsk, not keeping up with the ongoin...
by statsnerd
Wed Apr 24, 2013 12:44 pm
 
Forum: Investing - Theory, News & General
Topic: Frontline--The Retirement Gamble
Replies: 318
Views: 34383

Re: Frontline--The Retirement Gamble

Watching this now and my favorite quote by Jack Bogle so far is

What happens in the fund business is the magic of compound returns is overwhelmed by the tyranny of compound costs
by statsnerd
Tue Apr 23, 2013 11:30 pm
 
Forum: Investing - Theory, News & General
Topic: Frontline--The Retirement Gamble
Replies: 318
Views: 34383

Re: I realize we're not supposed to market time

That sobering forecast comes from a simple stock-market timing model that has an impressive track record over the past five decades. Among the more than 100 market timing strategies tracked by the Hulbert Financial Digest, in fact, this model has turned in the best performance of any in forecasting...
by statsnerd
Sun Apr 21, 2013 2:12 pm
 
Forum: Investing - Theory, News & General
Topic: I realize we're not supposed to market time
Replies: 17
Views: 2039

Types of Tax Advantaged accounts in non-US countries?

I think Bogleheads is largely American investors and we often discuss the benefits of tax-advantaged accounts like a 401(k), IRA, HSA and 529 accounts. Is the United States largely unique in these offerings? What kinds of accounts are available in other countries? I had the option to transfer to the...
by statsnerd
Wed Mar 27, 2013 7:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Types of Tax Advantaged accounts in non-US countries?
Replies: 0
Views: 142

Re: When to do Tax Gain Harvesting?

The stock with the 20% gain is one you re-purchased? In that case this is a short term capital gain and taxed like income at 15%. You won't get the 0% long term capital gain benefit. You have to wait a year.
by statsnerd
Thu Mar 21, 2013 12:18 am
 
Forum: Investing - Help with Personal Investments
Topic: When to do Tax Gain Harvesting?
Replies: 12
Views: 597

Re: 1 Minute of Exercise Could Lengthen Life by 7 Minutes

So if I work out for at least 24 / 7 = 3 hours and 26 minutes per day, I will live forever!

:sharebeer
by statsnerd
Wed Mar 20, 2013 1:14 pm
 
Forum: Personal Consumer Issues
Topic: 1 Minute of Exercise Could Lengthen Life by 7 Minutes
Replies: 24
Views: 1745

Re: should we think about retirement?

Another point: SS is based on your 35 highest earning years. Retiring that young means you'll have a lot of zeros and so your SS benefits will likely be lower than what you're expecting.
by statsnerd
Tue Mar 19, 2013 6:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: should we think about retirement?
Replies: 105
Views: 6649

Re: Anti Bogleheads lessons from rich athletes who go broke

ESPN did a great documentary on this recently called Broke. It's part of it's 30 for 30 series

Link: http://espn.go.com/30for30/film?page=broke
by statsnerd
Mon Mar 11, 2013 9:00 pm
 
Forum: Investing - Theory, News & General
Topic: Anti Bogleheads lessons from rich athletes who go broke
Replies: 2
Views: 653

Re: Mathematicians or statisticians here? Seeking your advic

I realized this when I compared my modest abilities with those of friends who were teaching algebraic geometry (a second year graduate course) when of high school age, and who could get a perfect score in the Putnam Competition, which is taken by smart undergraduates, and has a median score of one ...
by statsnerd
Mon Mar 11, 2013 5:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mathematicians or statisticians here? Seeking your advice
Replies: 66
Views: 5840

Living with Less. A Lot Less (NYTimes Article)

I thought this was a good read about someone who discovered frugal/Boglehead ways

Link: http://www.nytimes.com/2013/03/10/opinion/sunday/living-with-less-a-lot-less.html?pagewanted=all
by statsnerd
Sun Mar 10, 2013 6:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Living with Less. A Lot Less (NYTimes Article)
Replies: 74
Views: 10042

Re: Mathematicians or statisticians here? Seeking your advic

I have a Ph.D. in statistics and I work for a large tech company. One job that's all the rage these days is data scientist, which admittedly can mean a few things. Statisticians in general is a term that can apply to many areas (e.g. finance, pharma, tech). Data science is a good mix of statistics, ...
by statsnerd
Thu Mar 07, 2013 3:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mathematicians or statisticians here? Seeking your advice
Replies: 66
Views: 5840

Re: I hit my number today.

Can I ask how you came up with your number?

I'm 30 and I have my number in my head but depending on inflation, I'm sure I'll adjust it.
by statsnerd
Wed Mar 06, 2013 11:08 pm
 
Forum: Investing - Theory, News & General
Topic: I hit my number today.
Replies: 74
Views: 7328

Re: WSJ article on "The 4% Rule" HERE is the link

I know options are very anti-Boglehead and I've never partaken in them myself, but being that it's the first few years of retirement where you have the biggest risks of a market down turn really eating into your investments, what about if you bought far out of the money puts on the S&P500 as a h...
by statsnerd
Mon Mar 04, 2013 1:23 pm
 
Forum: Investing - Theory, News & General
Topic: WSJ article on "The 4% Rule" Here is the link.
Replies: 66
Views: 10261

Fascinating 60 Minutes piece on Chinese Real Estate market

Link to video http://www.cbsnews.com/video/watch/?id=50142079n First, I apologize to the moderators as I"m not sure if this is the correct forum. It certainly has implications for those invested in the global real estate market. I'm curious about other Boglehead members' thoughts. We all rememb...
by statsnerd
Mon Mar 04, 2013 12:58 am
 
Forum: Investing - Theory, News & General
Topic: Fascinating 60 Minutes piece on Chinese Real Estate market
Replies: 64
Views: 5399

Re: EE Bonds as part of a retirement strategy?

Inflation has remained below 2.5% on average in our country's history... Where does this bogus inflation history come from? The US government started calculating the CPI during WWI. We have estimated CPI data from before WWI, but those estimates are not very reliable. From WWI thru 2012 (nearly the...
by statsnerd
Sun Mar 03, 2013 3:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: EE Bonds as part of a retirement strategy?
Replies: 38
Views: 3320

Re: EE Bonds as part of a retirement strategy?

Inflation has remained below 2.5% on average in our country's history... Where does this bogus inflation history come from? The US government started calculating the CPI during WWI. We have estimated CPI data from before WWI, but those estimates are not very reliable. From WWI thru 2012 (nearly the...
by statsnerd
Sun Mar 03, 2013 2:09 am
 
Forum: Investing - Help with Personal Investments
Topic: EE Bonds as part of a retirement strategy?
Replies: 38
Views: 3320

Re: EE/I-Bonds vs Taxable Investing after Maxing Out 401k/IR

Roth can be withdrawn penalty free? I thought there was a 10% penalty if under the age of 59? Am I misinformed? Contributions can be withdrawn penalty free, not gains though. One way to essentially take this money from your 401(k) instead is to withdraw what you need from your Roth and convert an e...
by statsnerd
Fri Feb 22, 2013 6:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: EE/I-Bonds vs Taxable Investing after Maxing Out 401k/IRA
Replies: 25
Views: 1837

Re: EE/I-Bonds vs Taxable Investing after Maxing Out 401k/IR

Weighing the fact that I want to retire (or be able to) at 55. So I cannot use the Roth for the first several years of retirement. Will also still have college expense for 1-2 kids at the point of retirement. So I am thinking on how I address that reality, and have not come to any conclusions at th...
by statsnerd
Fri Feb 22, 2013 6:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: EE/I-Bonds vs Taxable Investing after Maxing Out 401k/IRA
Replies: 25
Views: 1837

Re: EE/I-Bonds vs Taxable Investing after Maxing Out 401k/IR

Do you have a mortgage? For me the order is as follows: 1: 51k to 401k and 1 (tie): 5500 to Roth 3: 15k to i-bonds 4: 10k to ee-bonds 5: additional mortgage principal 6: taxable investing (VTI and VEU) I will switch (5) and (6) depending on valuations, for example in 2009 (5) and (6) were switched....
by statsnerd
Fri Feb 22, 2013 6:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: EE/I-Bonds vs Taxable Investing after Maxing Out 401k/IRA
Replies: 25
Views: 1837

Re: EE/I-Bonds vs Taxable Investing after Maxing Out 401k/IR

I bonds are a good fixed income option. what is your other fixed income in? I use I bonds, stable value funds, and TBM to make up my fixed income. Some will also use CDs in an IRA. There are attractive FDIC savings accounts in two different 529 plans - even if you don't have children, they pay more...
by statsnerd
Fri Feb 22, 2013 5:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: EE/I-Bonds vs Taxable Investing after Maxing Out 401k/IRA
Replies: 25
Views: 1837

Re: EE/I-Bonds vs Taxable Investing after Maxing Out 401k/IR

I: 401k to max Backdoor Roth IBonds to max Taxable I am considering doing after-tax 401k to Roth conversion. But no decision on that yet. Also will have 529 within a year or two. EEBonds should be used 20 years out (or other doubling period) from retirement to maximize effectiveness. At 33, 20 year...
by statsnerd
Fri Feb 22, 2013 5:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: EE/I-Bonds vs Taxable Investing after Maxing Out 401k/IRA
Replies: 25
Views: 1837

Re: EE/I-Bonds vs Taxable Investing after Maxing Out 401k/IR

There's probably one other thing I should have added. I would like to "retire" early, somewhere between 45 and 50 (I am currently 30), so I will have many years before I access my 401(k), Roth or Social Security. I know I can use a SEPP to get to the 401(k) and I can withdraw contribution...
by statsnerd
Fri Feb 22, 2013 1:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: EE/I-Bonds vs Taxable Investing after Maxing Out 401k/IRA
Replies: 25
Views: 1837

Re: EE/I-Bonds vs Taxable Investing after Maxing Out 401k/IR

There's probably one other thing I should have added. I would like to "retire" early, somewhere between 45 and 50 (I am currently 30), so I will have many years before I access my 401(k), Roth or Social Security. I know I can use a SEPP to get to the 401(k) and I can withdraw contributions...
by statsnerd
Fri Feb 22, 2013 1:59 am
 
Forum: Investing - Help with Personal Investments
Topic: EE/I-Bonds vs Taxable Investing after Maxing Out 401k/IRA
Replies: 25
Views: 1837

EE/I-Bonds vs Taxable Investing after Maxing Out 401k/IRA

I've thought this over in my head multiple times and I keep wavering back and forth. I currently max out my 401(k), Roth IRA via backdoor, HSA, and after-tax 401(k) converted to Roth which gives me close to 60k of tax-advantaged space per year. Should my goal be to shelter as much from taxation as p...
by statsnerd
Thu Feb 21, 2013 6:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: EE/I-Bonds vs Taxable Investing after Maxing Out 401k/IRA
Replies: 25
Views: 1837

Re: Opinions on Taxable Investing vs 529?

fundtalker123 wrote:Can probably only use 529 withdrawals at selected universities in the USA


According to the FAFSA website, https://fafsa.ed.gov/FAFSA/app/schoolSearch do a search with 'Foreign Country' listed under state and 450 universities show up.
by statsnerd
Tue Feb 19, 2013 2:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Opinions on Taxable Investing vs 529?
Replies: 4
Views: 314

Opinions on Taxable Investing vs 529?

I am 30 and single and I do not have any plans to get married or have children, though that may change. I am maxing out my 401k, Roth IRA via backdoor and after-tax 401k converted to my Roth IRA. I also max out an HSA account and I had a thought the other day about how to shelter even more money and...
by statsnerd
Tue Feb 19, 2013 12:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Opinions on Taxable Investing vs 529?
Replies: 4
Views: 314

Re: Where were you financially in your late twenties?

An observation: About 20% of the people who have responded so far have PhDs. (More precisely, 8 to 10 PhDs out of 50 responders, the exact number depending on whether some references to a "graduate degree" mean a doctorate or something less.) Victoria I had noticed this as well. Have we d...
by statsnerd
Tue Feb 19, 2013 12:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Where were you financially in your late twenties?
Replies: 191
Views: 12174

Re: Saving for retirement vs Home Down payment?

I agree on prioritizing retirement.

A bigger question, you say costs upward of $400k or more reasonable and cheap at $200k. Where in the Bay Area is this? I lived there for 7 years and recently moved away. The places I was looking at were 600k+ for 2-3 bedrooms
by statsnerd
Fri Feb 15, 2013 3:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Saving for retirement vs Home Down payment?
Replies: 16
Views: 2548

Re: Two Qs about Apps for Android

GeauxBR wrote:https://play.google.com/store/apps/details?id=com.mxtech.videoplayer.ad&hl=en

MX PLayer can pretty much play anything you throw at it.


I just wanted to give a huge +1 to this. I use MX Player all the time and I find it to be like VLC player on my laptop. Any format I throw at it, it will play.
by statsnerd
Thu Feb 14, 2013 2:22 am
 
Forum: Personal Consumer Issues
Topic: Two Qs about Apps for Android
Replies: 8
Views: 725

Re: Best Movies of 2012

1) Zero Dark Thirty
2) Searching for Sugar Man
3) Perks of Being a Wallflower
4) The Imposter
5) Argo
by statsnerd
Fri Jan 04, 2013 3:21 am
 
Forum: Personal Consumer Issues
Topic: Best Movies of 2012
Replies: 58
Views: 4973

Re: Asset Allocation Guidance

So does that mean toddlers should leverage their portfolios? :beer
by statsnerd
Sun Dec 09, 2012 3:33 am
 
Forum: Investing - Theory, News & General
Topic: Asset Allocation Guidance
Replies: 22
Views: 1958

Re: Average Age of Bogleheads Posters

I'm 30. Discovered it at 29 and I'm glad I only had 2 years of a real job before I discovered the great collective wisdom of this forum! :sharebeer
by statsnerd
Tue Sep 25, 2012 12:46 am
 
Forum: Personal Consumer Issues
Topic: Average Age of Bogleheads Posters
Replies: 77
Views: 6497

Re: Taxable Bond placement -- VMLTX vs VFSTX

Both funds have little credit risk; but the municipal fund has the lesser. About 77% of its holdings are rated AA or above; while only about 43% of the investment grade fund's holdings are so rated. And municipals of the same rating historically have a much lower default rate than corporates. VMLTX...
by statsnerd
Thu Sep 20, 2012 1:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Taxable Bond placement -- VMLTX vs VFSTX
Replies: 5
Views: 565

Re: Taxable Bond placement -- VMLTX vs VFSTX

You may wish to look at VCSH which has 2.8 yrs avg duration and 1.42% SEC yield with an e.r. of 0.14%. Full disclosure: I own shares of this short-term corporate bond index fund. Interesting. It didn't dawn on me to look at ETFs, so for a slightly higher duration, you get a higher SEC yield. One qu...
by statsnerd
Thu Sep 20, 2012 12:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Taxable Bond placement -- VMLTX vs VFSTX
Replies: 5
Views: 565

Taxable Bond placement -- VMLTX vs VFSTX

I know that generally speaking, people in a higher tax bracket, should they need to hold bonds in their taxable accounts, should hold tax-exempt bonds . I already have my bond allocation in my 401(k), I want this to be more of an emergency fund/possible savings for a down payment on a house in the n...
by statsnerd
Wed Sep 19, 2012 11:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable Bond placement -- VMLTX vs VFSTX
Replies: 5
Views: 565

Re: Professional Athletes need to learn Boglehead ways

My two best examples I know are NBA player Antoine Walker who made more than $110 million http://sports.yahoo.com/nba/blog/ball_dont_lie/post/Former-Celtics-star-Antoine-Walker-is-broke-and-?urn=nba,198509 in playing, plus additional endorsement money and Mike Tyson who at one point was making $30 m...
by statsnerd
Wed Sep 19, 2012 5:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Professional Athletes need to learn Boglehead ways
Replies: 12
Views: 816

Professional Athletes need to learn Boglehead ways

Just another story of a financial adviser gone wrong http://sports.yahoo.com/blogs/nfl-shutdown-corner/vince-young-run-money-150846064--nfl.html . I would be curious to see a breakdown of athletes and how they invest their money, if they go the passive index low fee route, or something else. I suspe...
by statsnerd
Wed Sep 19, 2012 4:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Professional Athletes need to learn Boglehead ways
Replies: 12
Views: 816

Re: World's most famous index investing advocates?

Those two are certainly on the short list.
I'd also add Burton Malkiel (have her read a Random Walk Down Wall Street) and David Swensen
by statsnerd
Wed Aug 22, 2012 3:55 pm
 
Forum: Investing - Theory, News & General
Topic: World's most famous index investing advocates?
Replies: 7
Views: 1113

Re: When did you start to save a regular significant amount?

mptfan wrote:
statsnerd wrote:I now at age 30 save about 40% with the goal of early retirement

Wow. How do you do that? You must have a very simple life, and I don't mean that in a negative way, I am really impressed.


Well, I'm single, don't have any kids, and I have a career in tech that pays really well
by statsnerd
Tue Aug 21, 2012 1:16 am
 
Forum: Investing - Theory, News & General
Topic: When did you start to save a regular significant amount?
Replies: 81
Views: 10781

Re: When did you start to save a regular significant amount?

I could answer this in two ways. For all 4 years of my PhD I took the subsidized Stafford loan and funded a Roth IRA each year, and that started at age 23. Then I started saving in a 401k up to the maximum $16,500/year matched at 50% of contributions at age 27. I now at age 30 save about 40% with th...
by statsnerd
Mon Aug 20, 2012 1:47 pm
 
Forum: Investing - Theory, News & General
Topic: When did you start to save a regular significant amount?
Replies: 81
Views: 10781

Re: After-Tax 401k contribs / investing priorities

Regarding after-tax 401k contributions up to $50,000, You may want to look at the details of your plan. Mine allows me to do an immediate conversion of after-tax 401k to Roth IRA so that I'm able to effectively put $29,500 behind a Roth (the $50,000 limit - $25,500 traditional 401k + backdoor Roth)....
by statsnerd
Sun Aug 19, 2012 1:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: After-Tax 401k contribs / investing priorities
Replies: 20
Views: 3540
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