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Re: On average, how often do you check your investment balan

For me once a month because each month I put new money from our paychecks into the current draggers to keep close to our asset allocation. If it wasn't for that I would likely still check every month or so to see the cost basis analysis to see if there were any opportunities for TLH. Love making lem...
by staythecourse
Wed Dec 17, 2014 4:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: On average, how often do you check your investment balances?
Replies: 30
Views: 1549

Re: We cut the (Cable/Satellite TV) Cord!

I love the savings of cutting the cord, but oddly I have a sense of freedom that I am not shackled to the cable companies whims every year as they justify raising prices. I also love being a contrarian and telling folks when they come over that I got rid of cable and seeing their faces as they don't...
by staythecourse
Wed Dec 17, 2014 9:48 am
 
Forum: Personal Consumer Issues
Topic: We cut the (Cable/Satellite TV) Cord!
Replies: 42
Views: 3463

Re: Bought in, and then they start tumbling

Frankly, I just do not understand everyone's fascination of checking their invesments and/ or markets so often. It isn't like you call your local realtor every day to find out how much your house is worth each day? If one is a long term investor what is the point? The older I get the more I think th...
by staythecourse
Wed Dec 17, 2014 9:35 am
 
Forum: Investing - Theory, News & General
Topic: Bought in, and then they start tumbling
Replies: 67
Views: 8996

Re: Bogle on CNBC 12-16-2014: 100% USA squity

Maybe I am being overly nervous, but I keep reading about the fed probably raising interest rates which will effect bonds, and now Mr. Bogle talking about stock market problems (and these funds both have around 20-25% invested overseas) just makes me wonder if I am doing the right thing! Sprry to b...
by staythecourse
Tue Dec 16, 2014 7:52 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle on CNBC 12-16-2014: 100% USA squity
Replies: 35
Views: 3445

Re: 80/20 & rebalance or 50/50 & rebalance??

Actually, there is a diversification bonus that is maximized with a 50/50 portfolio and it depends on re-balancing. I have seen numbers that would suggest that an 80/20 portfolio retains only 64% of the efficiency from diversification compared to an equally-weighted 50/50 portfolio. 70/30 retains 8...
by staythecourse
Tue Dec 16, 2014 5:47 pm
 
Forum: Investing - Theory, News & General
Topic: 80/20 & rebalance or 50/50 & rebalance??
Replies: 7
Views: 1120

Re: [POLL] What Fixed Income Assets Do You Use?

I have started putting more of my fixed asset money into paying off my mortgage early. Hard to get 3.5-4% GAURANTEED tax free returns. Besides I am likely to largely retire in my mid 40's so don't want any long term liabilities around at that time.

Good luck.
by staythecourse
Tue Dec 16, 2014 5:27 pm
 
Forum: Investing - Theory, News & General
Topic: [POLL] What Fixed Income Assets Do You Use?
Replies: 37
Views: 1685

Re: Bogle on CNBC 12-16-2014: 100% USA squity

Good solid conservative advice. Can't go wrong doing what he says. Jack Bogle ,CNBC, 12-16-2014. 1. Set your own risk and Asset Allocation. And stay the course. 2. Half of US companies have exposure internationally. 3. Those companies with foreign exposure get half of profits from foreign. 4. He is...
by staythecourse
Tue Dec 16, 2014 5:03 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle on CNBC 12-16-2014: 100% USA squity
Replies: 35
Views: 3445

Re: WHY is retirement enjoyable / something to look forward

Scott Young has a recent blog post on the subject of Career Fulfillment . Young relates career fulfillment to having a meaningful career and describes "meaningfulness" in two ways, economic and psychological. The economic perspective comes down to creating a consumer surplus, i.e., the di...
by staythecourse
Tue Dec 16, 2014 4:57 pm
 
Forum: Personal Consumer Issues
Topic: WHY is retirement enjoyable / something to look forward to?
Replies: 135
Views: 6328

Re: Do you own VTI, VB, VWO, VEA, VSS, VNQ? Allocation quest

Welcome aboard!! I think your asset allocation is fine because nearly any asset allocation is fine IF one can stay the course. You are 100% equity and are a SBO. If your small business is very dependent on the health of the economy (like most) then you are taking a chance of having your portfolio dr...
by staythecourse
Tue Dec 16, 2014 4:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you own VTI, VB, VWO, VEA, VSS, VNQ? Allocation question
Replies: 21
Views: 1541

Re: WHY is retirement enjoyable / something to look forward

I am not retired, but am working and can shed some light on the issue that some, but not all are not necessarily running TO retirement, but AWAY from their constrained work life. I recently left my job (working for someone else) and started my own practice. My view on work has changed SUBSTANTIALLY....
by staythecourse
Tue Dec 16, 2014 12:52 pm
 
Forum: Personal Consumer Issues
Topic: WHY is retirement enjoyable / something to look forward to?
Replies: 135
Views: 6328

Re: What are your 2015 Financial Goals?

Mine is to just do nothing different other then spend even less time looking at my portfolio performance then I do right now. I love financial malaise. Good luck. p.s. I just realized emerging and international small are down for the year. That would explain why I keep throwing money into those fund...
by staythecourse
Tue Dec 16, 2014 12:06 am
 
Forum: Personal Finance (Not Investing)
Topic: What are your 2015 Financial Goals?
Replies: 79
Views: 4762

Re: Medical Necessity and the Insurance Appeals Process

In one case, the physician had obtained prior-authorization for the test (and after the insurance company PAID for it), and then coverage was STILL denied after the test was performed. Can you imagine? No offense, you must either practice in academics or have back office staff handle your paperwork...
by staythecourse
Tue Dec 16, 2014 12:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Medical Necessity and the Insurance Appeals Process
Replies: 15
Views: 1122

Re: in the past there was a period when active outperformed

I am not sure why folks spend so much time worrying about if active funds outperform or not. It isn't like anyone here is writing their thesis paper on this topic. The concern should NOT be if active can outperform or not, but is the level of confidence high enough to choose it over the default opti...
by staythecourse
Mon Dec 15, 2014 10:41 am
 
Forum: Investing - Theory, News & General
Topic: in the past there was a period when active outperformed
Replies: 30
Views: 1565

Re: 100% equities - my reasoning

What about 90% equities? That's what you get in Vanguard's Target Retirement fund for ages roughly 25 to 40. Then think of some good reasons for how that 10% will make a real difference. I think folks need to make an asset allocation decision that will help them stay the course. For some 100/0 to 9...
by staythecourse
Sun Dec 14, 2014 8:12 pm
 
Forum: Investing - Theory, News & General
Topic: 100% equities - my reasoning
Replies: 91
Views: 5652

Re: My thoughts.

rgs92 wrote:So oil prices are dropping due to an oil oversupply and the stock market is going down, seemingly because of this.


You are making a dangerous and likely spurious association. Who knows why the market goes up or down, but MANY folks have lost money thinking they were sure they knew.

Good luck.
by staythecourse
Sun Dec 14, 2014 7:40 pm
 
Forum: Investing - Theory, News & General
Topic: My thoughts.
Replies: 13
Views: 1559

Re: 100% equities - my reasoning

As I have said before IF one is going to consider 100% equities they need to at least be able to meet the entrance criteria to even consider a plan. Those are: 1. 1-2 yrs. of EF 2. Rock stable job 3. Long time horizon (at least 20 yrs.) 4. No need for liquidity before that time 5. Ability to stay th...
by staythecourse
Sun Dec 14, 2014 7:02 pm
 
Forum: Investing - Theory, News & General
Topic: 100% equities - my reasoning
Replies: 91
Views: 5652

Re: At what age did you find dream job?

What about a choice for never?I imagine for many the "dream job" doesn't exist and assuming there should always be a "dream" job and always being on the hunt for it is why some probably feel so unsatisfied with the careers or jobs they have. I am starting to agree with this view...
by staythecourse
Sat Dec 13, 2014 11:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: At what age did you find dream job?
Replies: 32
Views: 2387

Re: Most/Least Boglehead 2014 Activity?

Don't know if it is bogleheads or not, but what I am most proud of is each year I have less interest in looking at my performance or how the market is doing. The only way I know what is doing poorly is when I check this website and someone is bemoaning holding too much of asset class X. I only check...
by staythecourse
Sat Dec 13, 2014 8:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Most/Least Boglehead 2014 Activity?
Replies: 67
Views: 5450

Re: Mebane Faber: 78% of the time you are in a drawdown

In cash, you are making new highs 100% of the time Who says that? In a post inflation post tax world (which we live in) that is not true. Mr. Ferri has a great graph in "AAAA" showing a dollar invested in circo 1950 or so is worth less NOW then back then if one takes into account of infla...
by staythecourse
Sat Dec 13, 2014 7:21 pm
 
Forum: Investing - Theory, News & General
Topic: Mebane Faber: 78% of the time you are in a drawdown
Replies: 18
Views: 1928

Re: Investing more when the market is down.

I do agree having money on the sidelines to invest more when the market is down IS market timing and not a great idea. The main reason is the market is usually up then it is down so the rest of the time the cash sitting on the sidelines is just waiting which acts like a drag on long term returns. Th...
by staythecourse
Sat Dec 13, 2014 6:29 pm
 
Forum: Investing - Theory, News & General
Topic: Investing more when the market is down.
Replies: 22
Views: 2267

Re: 'Might Vanguard Founder Jack Bogle Be Wrong for a Change

Roche also points out that Bogle’s decision to shun non-U.S. investing is somewhat ironic for one of the world’s most famous proponents of passive investing. “Bogle is obviously making a pretty active decision here by choosing only to invest in 50% of the world’s stock markets,” he adds. Finally, s...
by staythecourse
Wed Dec 10, 2014 5:42 pm
 
Forum: Investing - Theory, News & General
Topic: 'Might Jack Bogle Be Wrong for a Change?' [Int'l holdings]
Replies: 49
Views: 4153

Re: "Why Retirement at 65 is a Fairy Tale"

Am closing in on 4 years in retirement and have more now than when I first retired....things will be fine :) That is a dangerous comment to make. It is easy to be confident when the market is on a tear, but much different if the next 10 yrs. is flat returns. BUT overall I do agree the amount of mon...
by staythecourse
Wed Dec 10, 2014 1:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Why Retirement at 65 is a Fairy Tale"
Replies: 117
Views: 11423

Re: To Tilt or Not To Tilt, that's the question

Someone must have taken a poll... I believe that it might be true that a majority of the people engaging in long technical discussions of strategy in this forum tilt, but I'm not at all sure that a majority of people who self-identify as Bogleheads tilt. As I have said before on this forum EVERYBOD...
by staythecourse
Tue Dec 09, 2014 9:23 pm
 
Forum: Investing - Theory, News & General
Topic: To Tilt or Not To Tilt, that's the question
Replies: 52
Views: 2379

Re: To Tilt or Not To Tilt, that's the question

Here is a different way of looking at things. How about considering those who primarily invest in U.S. are TILTED or those who invest in TSM are TILTED. TSM is 70% large cap and I would say that is a pretty significant bet on large cap. I guess the first question should be what is tilting? Is tiltin...
by staythecourse
Tue Dec 09, 2014 10:07 am
 
Forum: Investing - Theory, News & General
Topic: To Tilt or Not To Tilt, that's the question
Replies: 52
Views: 2379

Re: Why have more US than Intl Market Index?

May I ask a personal question to you? Going back to the OP, do you have a larger percent of your equities in international rather than US Index Funds (assuming you live in the US)? I am 50/50. Just like with TSM/ SCV. I often say the same about both that I have learned through observation: 1. There...
by staythecourse
Mon Dec 08, 2014 11:56 pm
 
Forum: Investing - Theory, News & General
Topic: Why have more US than Intl Market Index?
Replies: 65
Views: 4035

Re: Why have more US than Intl Market Index?

staythecourse: read again the sentence in bold from my post. I was completely neutral about which currency will do better. This is not the point. The point is, if an investment has 120% the risk (because of the additional currency fluctuation layer) but only gives me 100% of the return (because the...
by staythecourse
Mon Dec 08, 2014 1:51 pm
 
Forum: Investing - Theory, News & General
Topic: Why have more US than Intl Market Index?
Replies: 65
Views: 4035

Re: Why have more US than Intl Market Index?

The reason to favor US is currency risk. From the perspective of a dollar investor (one who needs dollars to spend), an international company has the usual stock risks, but on top of it they have the risk that the company's predominant earnings depreciate vs the dollar. The movements are a priori e...
by staythecourse
Mon Dec 08, 2014 1:00 pm
 
Forum: Investing - Theory, News & General
Topic: Why have more US than Intl Market Index?
Replies: 65
Views: 4035

Re: Bogle on the past and future of investing

Great interview. Nice to see him touch on such a wide range of topics. Interesting that he sees today as such a dangerous time to invest. Maybe a bit of recency bias? I would have assumed investing in the high inflationary periods of the 1970's in the cold war era would have been worse just in recen...
by staythecourse
Mon Dec 08, 2014 10:31 am
 
Forum: Investing - Theory, News & General
Topic: Bogle on the past and future of investing
Replies: 15
Views: 2140

Re: What to do with VGPMX?

My opinion, pick what you want and STICK to it. It seems you make some great reasons/ excuses to change your asset allocation in the recent past. They may be legitimate, but in the end they are another example of not sticking to the plan. I have NEVER seen a person's portfolio blow up having money i...
by staythecourse
Mon Dec 08, 2014 9:45 am
 
Forum: Investing - Help with Personal Investments
Topic: What to do with VGPMX (Vanguard Precious Metals and Mining)?
Replies: 32
Views: 2232

Re: Most stocks are losers - golden swans drive returns of i

What's new about this? I have written about this several times myself on this board. I thought it was common knowledge? This is the reason AGAINST the question that comes up of "Can't I just put 20-40 stocks together and make my own index?" The answer is: NO. The reason is one can decrease...
by staythecourse
Fri Dec 05, 2014 9:26 pm
 
Forum: Investing - Theory, News & General
Topic: Most stocks are losers - golden swans drive returns of index
Replies: 21
Views: 2628

Re: Hypothetical - Mutual Funds Don't Exist

WWBD... I like that. The answer I think is easy just read "Common Sense". In it he mentions a completely reasonable and even maybe a BETTER choice to even his index (SP500) is to just buy 20-50 blue chip companies and hold them forever. This way one is not paying any ER to anyone which onl...
by staythecourse
Fri Dec 05, 2014 9:11 pm
 
Forum: Investing - Theory, News & General
Topic: Hypothetical - Mutual Funds Don't Exist
Replies: 26
Views: 1809

Re: 100% Equities: 1 or 2 funds?

Question back to you to help answer your question: If you had some eggs that you wanted to carry around for the next 20 yrs. day in and day out would you rather hold them in 1 basket or 2? The idea of diversification is a means of risk reduction. Carrying all the eggs in one basket seems great when ...
by staythecourse
Fri Dec 05, 2014 3:52 pm
 
Forum: Investing - Theory, News & General
Topic: 100% Equities: 1 or 2 funds?
Replies: 26
Views: 1858

Re: Vanguard calls for boardrooms shake-up

Does it matter? It isn't like the board is going to listen to a bunch of random shareholders. The important ones (who one large stakes in the company) already make themselves known such as Buffett or Ackerman or Icahn. This seems like more of a PR moves then anything else. BTW, if Vanguard is suppos...
by staythecourse
Fri Dec 05, 2014 10:41 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard calls for boardrooms shake-up
Replies: 15
Views: 1487

Re: Suddenly Retired, do I have enough?

Now that you are not working any reason not to move to a lower cost option OR to a lower cost state? That is the EASIEST way not to change anything else and lower a very large and long mortgage commitment. Good luck. p.s. Don't mean to rub it in, but hope others reading this as a reason not to put o...
by staythecourse
Fri Dec 05, 2014 10:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Suddenly Retired, do I have enough?
Replies: 42
Views: 6783

Re: Best Investment Advice For 49-Year Old With Two Million

If it is a real spendthrift and not responsible with said money I second the SPIA. Yes you will lose out by producing less then what you could do on your own if one was RESPONSIBLE which doesn't sound like him/ her. This way he doesn't run out of money and it is nice the money comes as a regular pay...
by staythecourse
Fri Dec 05, 2014 10:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Best Investment Advice For 49-Year Old With Two Million Cash
Replies: 23
Views: 3204

Re: Bogle Advises Investing No More Than 20% Outside U.S.

Do as you wish as it is your money, but I am sorry Mr. Bogle is just wrong on this point. I often wonder if anyone has asked him if he would have been giving the same information if he was born in Japan and still throwing out his home country bias? The fact he has done so well with this advice is ju...
by staythecourse
Fri Dec 05, 2014 10:26 am
 
Forum: Investing - Theory, News & General
Topic: Bogle Advises Investing No More Than 20% Outside U.S.
Replies: 106
Views: 10966

Re: European underperformance - here to stay?

Here some great paraphrased quotes from Mr. Buffett: "Folks should buy stocks like they are buying tomatoes instead of buying perfume" "Buying stocks is like buying hamburgers you would rather have a sale so you can buy more of them" The point of the quotes is you should WANT to ...
by staythecourse
Thu Dec 04, 2014 11:38 am
 
Forum: Investing - Theory, News & General
Topic: European underperformance - here to stay?
Replies: 32
Views: 2347

Re: "Small-Cap Performance Edge on the Wane"

If you are claiming that the risks of small and value stocks are not compensated over time, 80+ years of data suggest that you are not correct. If you place no value in historical data, why invest in stocks at all? We know that they are riskier than bonds, but what else do we know with any degree o...
by staythecourse
Thu Dec 04, 2014 9:44 am
 
Forum: Investing - Theory, News & General
Topic: "Small-Cap Performance Edge on the Wane"
Replies: 99
Views: 7186

Re: Giving money to your alma mater: Have to vent

I will make a donation to my alma mater the day they start paying more to the professors than to the football coach. I can't think of a single school that doesn't pay the professors significantly more than the football coach. The professors just choice to split the money evenly instead of paying th...
by staythecourse
Wed Dec 03, 2014 5:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Giving money to your alma mater: Have to vent
Replies: 166
Views: 16442

Re: Where do you tilt (your 3-fund portfolio)?

To tilt or not tilt is up to each investor, but shame on some of the earlier posters using graphs to show in a whole 2-4 yr. period there has not been a difference so we should accept tilting is not worth it. I know those posters are more intelligent to not know 2-4 yrs. means nothing (or even less ...
by staythecourse
Wed Dec 03, 2014 5:22 pm
 
Forum: Investing - Theory, News & General
Topic: Where do you tilt (your 3-fund portfolio)?
Replies: 42
Views: 3467

Re: Private college counselor

@staythecourse, if you think that the counselor will tell the kid: 4.0 in all AP classes, 2400 SAT, 3 800s in SAT2, captain and starting quarterback of state champion football team, win Intel and Siemens, class president, cure a couple of diseases and you're a lock for Harvard, well, then I agree t...
by staythecourse
Wed Dec 03, 2014 5:08 pm
 
Forum: Personal Consumer Issues
Topic: Private college counselor
Replies: 76
Views: 4553

Re: Would you move/stay for better school district?

We were not able to predict in advance which school would be right for him - we loved the first school, where his brother thrived and was elected student body president. But this is why I emphasize school choice in my list of things to look for when evaluating a district. We had the ability to move...
by staythecourse
Wed Dec 03, 2014 4:50 pm
 
Forum: Personal Consumer Issues
Topic: Would you move/stay for better school district?
Replies: 55
Views: 4608

Re: "Small-Cap Performance Edge on the Wane"

In the "out of sample" period since the early 1980's when the Banz paper reported higher returns for small stocks it hasn't been the case, at least not across the broad market or in any persistent fashion, the average annual return of the Russell2000 hasn't offered a "premium" o...
by staythecourse
Wed Dec 03, 2014 4:24 pm
 
Forum: Investing - Theory, News & General
Topic: "Small-Cap Performance Edge on the Wane"
Replies: 99
Views: 7186

Re: Private college counselor

I'm sorry after reading this thread I still don't understand the need for a private counselor. I would think that the more competitive school the better your grades have to be, the better your standardize test scores should be, and the more impressive your extracurricular activities should be. So I ...
by staythecourse
Wed Dec 03, 2014 12:58 pm
 
Forum: Personal Consumer Issues
Topic: Private college counselor
Replies: 76
Views: 4553

Re: Giving money to your alma mater: Have to vent

Just curious. Does anyone know the data or have asked for data to find out how much of $1 donation to x school goes to y student? I would think unless you want to give money to build the new gym or dorm rooms or rec. center you would want to know how much of the donations actually help the student's...
by staythecourse
Wed Dec 03, 2014 12:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Giving money to your alma mater: Have to vent
Replies: 166
Views: 16442

Re: Getting Married...Any advice?

don't sweat the small stuff My nurse gave me that advice and must say every year I get older and more married I believe it. In medicine there are MANY stresses and it is often difficult not to let them get in the way of your marriage, but you have to be focused on what is important... family. At yo...
by staythecourse
Wed Dec 03, 2014 12:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Getting Married...Any advice?
Replies: 25
Views: 2565

Re: "Small-Cap Performance Edge on the Wane"

Honestly, does anyone ever post about getting out of an asset class that is doing well at that time?? The short time I have been on this site I can recall folks saying get out of long term bonds, REITS, and now small cap value. The same folks have been wrong about long term bonds and REITS. There is...
by staythecourse
Tue Dec 02, 2014 11:12 pm
 
Forum: Investing - Theory, News & General
Topic: "Small-Cap Performance Edge on the Wane"
Replies: 99
Views: 7186

Re: I need to stop looking at the market everyday!

Must say I have not checked the daily markets for over a year. I do look at my account every month as I need to tally everything up and see where I need to put new money to stick to my asset allocation. I use this website to tell me when something is really down so if I am holding that subasset clas...
by staythecourse
Tue Dec 02, 2014 4:33 pm
 
Forum: Investing - Theory, News & General
Topic: I need to stop looking at the market everyday!
Replies: 33
Views: 2915

Re: Do you celebrate financial milestones?

I thought I would celebrate financial milestones more, but haven't. I think it comes from not having anyone to share them with in the real world. I tell my wife, but she doesn't believe the numbers I tell her. I think she thinks I have lost my cognition at the tender age of 38. :D No matter what I t...
by staythecourse
Mon Dec 01, 2014 9:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you celebrate financial milestones?
Replies: 105
Views: 12076

Re: "Small-Cap Performance Edge on the Wane"

"This time is different". John Templeton wrote it back when and it is and will always be true. Those who do not accept it find out the hard way. Small caps will always have a higher expected return just for this reason. Folks always will want to jump off the bandwagon when they underperfor...
by staythecourse
Mon Dec 01, 2014 9:33 pm
 
Forum: Investing - Theory, News & General
Topic: "Small-Cap Performance Edge on the Wane"
Replies: 99
Views: 7186
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