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Re: What Movie Have You Recently Watched?

"The Judge" with Robert Downey Jr. and Robert Duvall. Somewhat of a down-trip story about a Chicago lawyer returning to his rural, small-town and clashing with his father. Engrossing as it unspools, the movie doesn't quite come together. ( There's too many characters with too many back sto...
by steve roy
Wed Nov 19, 2014 1:29 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 208
Views: 15916

Re: How Not to Retire

So what's the actionable point to this story? ... Don't know about others, but various things leapt out at me. 1) Pay attention. (This gent did little of that). 2) Have an investment plan. (He seemed free-form and aimless until it was too late). 3) Live below your cash-flow. (This wasn't even on hi...
by steve roy
Mon Nov 17, 2014 6:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Not to Retire
Replies: 67
Views: 6864

Re: Bogleheads, tell me about your 40's?

At 40, the Mrs. and I were pretty much broke. We had a house (1100 square feet) with a large mortgage, and a two-year-old. My wife was working steadily but I was bouncing around, not holding a job for more than 9 months at a stretch. I had just left a teaching job in a private school in Tarzana wher...
by steve roy
Mon Nov 17, 2014 1:17 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 91
Views: 11114

Re: ACA coverage question

The IRS has rules about who qualifies as an "independent contractor". Good idea to examine work parameters, then figure out if the person is really and truly and independent contractor. If it's the county, I'm guessing they know what they can do and can't do, but I would nevertheless check.
by steve roy
Sat Nov 15, 2014 12:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: ACA coverage question
Replies: 7
Views: 444

Re: Newbie we need help!

Between chasing after your kids, I would look at some good investment tomes: "Bogleheads Guide to Investing", Larry Swedroe's oeeuvre, William J. Bernstein's books, etc. And if you don't have time right now for those, look at Taylor Larimore's "investing gems" here on the site. T...
by steve roy
Sat Nov 15, 2014 11:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Newbie we need help!
Replies: 15
Views: 804

Re: Just signed up Obamacare again.

Be interesting to see how Year Two goes, nationwide. Higher enrollments? Higher or lower prices? And of course, all the politics.
by steve roy
Sat Nov 15, 2014 11:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Just signed up Obamacare again.
Replies: 41
Views: 3198

Re: If your networth is over $3 million, how did you do it?

Owning a house. TIme and steady investing. Plus, making small mistakes but no big ones. I think the simplest, best way to get rich is to put money, week by week and decade after decade, into the Three-Fund portfolio. And having the strength of will not to deviate drastically from your Plan. The Prin...
by steve roy
Fri Nov 14, 2014 1:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: If your networth is over $3 million, how did you do it?
Replies: 244
Views: 22022

Re: Gathering thoughts vs. Market Timing

I'll make it simple. Go to 65% stocks, 35% bonds. Use the three-fund portfolio template. (See "Larimore, Taylor.") STICK with that allocation until age 45. Then move to 50/50 stock/bond. STICK with that allocation until age 62. Then move to 35/65 stock bond. WHEN you retire, set it at tha...
by steve roy
Mon Nov 10, 2014 3:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Gathering thoughts vs. Market Timing
Replies: 56
Views: 2785

Re: Happy Birthday, Marines!

From a proud ex-swabbie, of the "All Sweepers Man Your Brooms!" variety (USNR, 1970-74), Semper Fi.
by steve roy
Mon Nov 10, 2014 1:32 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Happy 239th Birthday, U.S. Marine Corps
Replies: 20
Views: 720

Re: Gathering thoughts vs. Market Timing

I'll make it simple. Go to 65% stocks, 35% bonds. Use the three-fund portfolio template. (See "Larimore, Taylor.") STICK with that allocation until age 45. Then move to 50/50 stock/bond. STICK with that allocation until age 62. Then move to 35/65 stock bond. WHEN you retire, set it at that...
by steve roy
Mon Nov 10, 2014 1:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Gathering thoughts vs. Market Timing
Replies: 56
Views: 2785

Re: Messy baby restaurant etiquette

We had a younger kid who was out of control. At restaurants he threw silverware, knocked things off the table. He made life very interesting. In the Chinese sense of the word. When the kid was two, we spent Christmas in Waikiki. Two weeks of Hell. Our solution was, we carried the kid out of restaura...
by steve roy
Sun Nov 09, 2014 12:42 pm
 
Forum: Personal Consumer Issues
Topic: Messy baby restaurant etiquette
Replies: 75
Views: 4427

Re: I'm Scared! Vanguard Target Retirement 2015 - What to d

Target Date 2015 is fine. I, too, an in that fund, and sleep wonderfully well. Understand that investments fluctuate, but what you're after is diversified bonds and diversified stock. With your investment lineup you've got both, so you're doing the right thing. My suggestions: 1) Look at your accoun...
by steve roy
Thu Nov 06, 2014 11:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: I'm Scared! Vanguard Target Retirement 2015 - What to do!
Replies: 39
Views: 7102

Re: What are you up YTD?

Here's a reason not to look at your returns, this from financial gurus Barry Ritholtz and James O'Shaugnessy on Bloomberg radio: O'Shaughnessy: "Fidelity had done a study as to which accounts had done the best at Fidelity. And what they found was..." Ritholtz: "They were dead." O...
by steve roy
Sat Nov 01, 2014 2:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 213
Views: 18584

Re: Vanguard's Voice Recognition

I'd never heard of this. Surprised no one at vanguard has mentioned this to me or my mom. There's more info here, but still trying to figure out how to sign up. https://personal.vanguard.com/pdf/c106.pdf?2210065141 I believe you have to be invited to be eligible. They told me I was invited because ...
by steve roy
Wed Oct 29, 2014 10:53 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard's Voice Recognition
Replies: 18
Views: 1251

Re: Vanguard's Voice Recognition

It works well. But sometimes it's a wee bit extra curious and asks me to repeat multiple things:

"At Vanguard, rubber babies bump buggies."
by steve roy
Wed Oct 29, 2014 7:33 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard's Voice Recognition
Replies: 18
Views: 1251

Re: "Schwab Intelligent Portfolios"

This will be of minimal use to me. I've got a variety of Vanguard funds, but haven't rebalanced them in several years, since asset classes are only fractionally off of their targets. But even if you have ten or fifteen funds, how long can it take to bring them into balance? An hour? I think I can ha...
by steve roy
Wed Oct 29, 2014 4:22 pm
 
Forum: Investing - Theory, News & General
Topic: "Schwab Intelligent Portfolios"
Replies: 56
Views: 5851

Re: Who says a stock is either "value" or "growth"?

My understanding is that "value" stocks (small, large or midcap) aren't always value but move around, depending on book-to-market.

So ... a small cap value stock could become a small cap growth stock. And the reverse.
by steve roy
Sun Oct 26, 2014 11:35 pm
 
Forum: Investing - Theory, News & General
Topic: Who says a stock is either "value" or "growth"?
Replies: 25
Views: 2120

Re: THANK YOU!!! Bogleheads Conference #13 (2014)

My wife and I were first-time attendees. People were warm, friendly and happy to engage in conversation. Just about everyone made us feel welcome. I got a lot out of the panel discussions and presentations. My take-aways were "Don't micro-manage, don't sweat the small stuff, don't feel that you...
by steve roy
Sat Oct 25, 2014 9:59 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: THANK YOU!!! Bogleheads Conference #13 (2014)
Replies: 69
Views: 6911

Re: Is it possible to have a favorite movie

My favorites have varied over time, except for .... "The Adventures of Robin Hood" (1938) and "The Sea Hawk" (1940) because I loved them as a kid and love them still. "How Green Was My Valley" (1941) has always been a keeper. I had the good fortune to attend a Directors...
by steve roy
Fri Oct 17, 2014 10:31 pm
 
Forum: Personal Consumer Issues
Topic: Is it possible to have a favorite movie
Replies: 82
Views: 3275

Re: Grand Canyon by rail

The wife, kids, and I took the trip that you're contemplating. It was an old-time, 19th century train that chugged to the north rim of the Canyon. It was around Christmas. We stayed in a local hotel overnight and had good weather. The scenery was spectacular, the air was crisp, and we all had a fine...
by steve roy
Thu Oct 16, 2014 1:20 pm
 
Forum: Personal Consumer Issues
Topic: Grand Canyon by rail
Replies: 8
Views: 689

Re: Your personal risk level: Got your flu shot yet?

Tomorrow morning. Thanks for asking.
by steve roy
Wed Oct 15, 2014 11:23 pm
 
Forum: Personal Consumer Issues
Topic: Your personal risk level: Got your flu shot yet?
Replies: 93
Views: 3202

Re: Do you rebalance now?

The Wizard wrote:Don't rebalance too quickly during downturns.
Every 5% down is fine...


I rebalance quickly because I'm still putting cash IN. I'm not selling shares of anything, so it's not a big deal. When I'm retired? 'Twill be a different story.
by steve roy
Mon Oct 13, 2014 11:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you rebalance now?
Replies: 17
Views: 1486

Re: Does your ROTH hold risky or stable items?

The Roth IRA contains Wellesley and REITS. Mostly Wellesley.

Two and a half years hence, it will contain (mostly) Vanguard Small Cap Value and the Wellesley will move to an IRA rollover account where there is more money with which to play.
by steve roy
Mon Oct 13, 2014 11:10 pm
 
Forum: Investing - Theory, News & General
Topic: Does your ROTH hold risky or stable items?
Replies: 56
Views: 3475

Re: which bond fund should I use?

Vanguard Intermediate Tax Exempt is my bond fund of choice in taxable space. Like the duration, quality and performance a lot.
by steve roy
Mon Oct 13, 2014 11:29 am
 
Forum: Investing - Help with Personal Investments
Topic: which bond fund should I use?
Replies: 7
Views: 740

Re: Does management tenure predict fund performance

Interesting. So John Hussman is able to keep his job running the Hussman funds because A) he started the suckers, and B) his name's on them?
by steve roy
Mon Oct 13, 2014 9:32 am
 
Forum: Investing - Theory, News & General
Topic: Does management tenure predict fund performance
Replies: 1
Views: 242

Re: Gold: Is now the time?

If you want gold in your portfolio, then purchase gold. Forget about whether it's "high" or "low". I think you have to use the same rationale you'd use for any asset class: What's my investment strategy and what's my investment allocation plan? And am I underweighted in gold acco...
by steve roy
Mon Oct 13, 2014 9:19 am
 
Forum: Investing - Theory, News & General
Topic: Gold: Is now the time?
Replies: 36
Views: 2326

Re: if you wouldn't buy Total Bond Market now, then when and

Following Larry Swedroe's advice, I purchase Vanguard Intermediate Term Bond Index instead of Total Bond.

The duration is a wee bit longer than I like, but I fix that buying a chunk of Vanguard Short Term Bond Index. There's a solution to everything.
by steve roy
Sun Oct 12, 2014 10:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: if you wouldn't buy Total Bond Market now, then when and why
Replies: 7
Views: 1574

Re: The Rise and Fall of Performance Investing

Great information, for which thanks. Makes me happy I'm on the indexing path.
by steve roy
Sun Oct 12, 2014 12:42 pm
 
Forum: Investing - Theory, News & General
Topic: The Rise and Fall of Performance Investing
Replies: 5
Views: 589

Re: Masters in business interview I did with Barry Ritholtz

I listen to RItholtz a lot, and enjoy him, but he ALWAYS jumps in.

Too much caffeine.
by steve roy
Sun Oct 12, 2014 10:42 am
 
Forum: Investing - Theory, News & General
Topic: Masters in business interview I did with Barry Ritholtz
Replies: 13
Views: 1258

Re: What will you do during the next crash?

If p/e ratios plunge enough, I might ... emphasize MIGHT ... change my allocation from 70% bonds to 65% bonds.

But there's a 70% chance I'll stick with the 70% bond allocation.
by steve roy
Sun Oct 05, 2014 9:29 pm
 
Forum: Investing - Theory, News & General
Topic: What will you do during the next crash?
Replies: 63
Views: 4328

Re: What was your initial AA and how has that worked out?

I started, I guess, in my thirties. And did everything wrong. No particular asset allocation (I had no knowledge of them), but I did have a "financial advisor" who took 2% off the top and under-performed the S & P 500. (I was nothing if not crafty in those days). When I hit forty in 19...
by steve roy
Sun Oct 05, 2014 12:19 pm
 
Forum: Investing - Theory, News & General
Topic: What was your initial AA and how has that worked out?
Replies: 32
Views: 2556

Re: little help with Vanguard Extended Market Index Fund Adm

Would you be wanting to shift the money if Extended Market was performing as well as ... or better ... than Total Stock Market?

Don't fall into the trap of chasing returns, or, as William Bernstein says, "Skating to where the puck was."
by steve roy
Sat Oct 04, 2014 8:37 am
 
Forum: Investing - Help with Personal Investments
Topic: little help with Vanguard Extended Market Index Fund Admiral
Replies: 9
Views: 751

Re: What Book Are You Currently Reading? Part VI

"The Entertainer -- Movies, Magic and My Father's Twentieth Century" -- Margaret Talbot Lyle Talbot's youngest daughter has written a book about him. (You DO know who Lyle Talbot is, don't you? He was an actor who had a loooong career, who spent a decade as Ozzie Nelson's next door neighbo...
by steve roy
Sat Sep 27, 2014 8:22 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 170
Views: 15450

Re: Overall Portfolio Check (and questions about extra cash)

Maybe you can ladder some Certificates of Deposit, get a bit more return that way. There's really no way to goose returns without increasing risk.
by steve roy
Sat Sep 27, 2014 11:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Overall Portfolio Check (and questions about extra cash)
Replies: 19
Views: 1210

Re: Is Now a Good time to Buy Bonds ???

William Bernstein advocates holding short-term bonds in the present environment. If you're worried about interest rates rising, holding Vanguard's short-term bond index would be a viable way to go. I hold a mixture of intermediate and short-term bond funds, for an average duration of 4.5 years.
by steve roy
Thu Sep 25, 2014 11:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is Now a Good time to Buy Bonds ???
Replies: 19
Views: 1958

Re: Portfolio help please!

My disease is I overthink allocation and fine tune it more than I need to. Taylor Larimore has a strong point when he advocates setting your allocation and keeping it simple (three fund portfolio).
by steve roy
Sun Sep 21, 2014 11:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio help please!
Replies: 5
Views: 651

Re: Left tail portfolio - 70% bonds. Good idea?

I have about 70% bonds and I'm worried.......worried that bond yields are taking forever to start rising and giving me more income. Nobody wins if bonds stay where they currently are. Ditto! - I am also 70% Bonds and I have been hoping and waiting for Interest Rates to rise for about 5 Years Now. I...
by steve roy
Sun Sep 21, 2014 10:41 am
 
Forum: Investing - Theory, News & General
Topic: Left tail portfolio - 70% bonds. Good idea?
Replies: 38
Views: 3256

Re: Portfolio help please!

'Twere me ... I would hassle the 401(k) managers to crank some low-cost index funds into your fund lineup. All the stuff they offer is way too pricey. (They might be covering Plan costs with higher-priced funds.) And since you're 41, I think you should raise your bond allocation a bit, maybe between...
by steve roy
Sat Sep 20, 2014 9:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio help please!
Replies: 5
Views: 651

Re: How do you keep your electricity bill low?

A roof full of solar panels. Works like a charm. But you have to own the right exposure to old sol (house on the right axis, minimal shade trees, etc.)
by steve roy
Thu Sep 04, 2014 1:13 am
 
Forum: Personal Consumer Issues
Topic: How do you keep your electricity bill low?
Replies: 123
Views: 9565

Re: Does your employer still offer pensions to new hires?

Motion picture and television jobs covered by entertainment unions (Writers Guild, Directors Guild, IATSE, Screen Actors Guild-AFTRA) have defined benefit plans, as they have since the 1940s and 1950s. There are large, jointly-administered Taft-Hartley plans that cover a large percentage of these wo...
by steve roy
Mon Sep 01, 2014 12:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does your employer still offer pensions to new hires?
Replies: 54
Views: 3963

Re: Why is my 401k and taxable considered "One Portfolio"?

I just think of my money stash as"My Assets". I keep money I need to access in the next few years in short term bond and money market funds, but I still consider it as part of my total portfolio asset mix of 70 % bonds/ 30% stocks. Tax deferred accounts or investment accounts, it's all one...
by steve roy
Sat Aug 30, 2014 12:03 pm
 
Forum: Investing - Theory, News & General
Topic: Why is my 401k and taxable considered "One Portfolio"?
Replies: 37
Views: 3045

Re: What Book Are You Currently Reading? Part V

Re-reading Gore Vidal's "Lincoln" after a thirty-year break. It's about 85% history and about 15% fiction, with a lot of Vidalesque embroidery that makes it vivid and allows it to sing. Like it a lot. (I REALLY like Vidal's essays.)
by steve roy
Sat Aug 23, 2014 12:04 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1212241

Re: Starting a Lazy Portfolio Now

What Taylor Larimore said. But ... here's the important thing. Make a plan: It might be All At Once; Every Two Weeks For Ten Weeks; Every Four Weeks For Nine Months; Once A Quarter In A Twelve-Month Cycle. But make a decision about strategy, and then stick with it. And don't look back. Because if yo...
by steve roy
Sun Aug 10, 2014 10:59 pm
 
Forum: Investing - Theory, News & General
Topic: Starting a Lazy Portfolio Now
Replies: 21
Views: 3714

Re: Who or what inspired you and your investing approach?

Trial and error. The errors were driving me nuts. I had a smiling "financial advisor" who was earning less than the S &P 500 even as he was taking 2% off the top. And I was too thick to know that was a teensy bit exorbitant. So finally I fired the advisor. But then I got into following...
by steve roy
Sun Aug 10, 2014 10:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Who or what inspired you and your investing approach?
Replies: 93
Views: 4723

Re: Vanguard Star Fund Vs. Lifestrategy Moderate Growth Fund

Over the previous ten years they've performed in similar ways, with a percentage edge to STAR. The two get their results in different ways. Lifestrategy is a fund of index funds, and STAR is actively managed and twice as costly. Toss a coin and choose your path to riches. Or split the two of them do...
by steve roy
Thu Aug 07, 2014 12:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Star Fund Vs. Lifestrategy Moderate Growth Fund
Replies: 2
Views: 734

Re: Reliability of stock data prior to 1939?

So when we analyze (and make investment calculations on) ancient stock data, we're basing it on guesstimates that might be wildly inaccurate.

Reassuring.
by steve roy
Sun Aug 03, 2014 8:58 am
 
Forum: Investing - Theory, News & General
Topic: Reliability of stock data prior to 1939?
Replies: 14
Views: 914

Re: How Much Did You Lose Today?

The correction brought me back PRECISELY to my 70% bond/30% stock allocation. So no need to rebalance.
by steve roy
Fri Aug 01, 2014 9:25 am
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 15600

Re: Daily Telegraph: World War One Archive

I love this kind of stuff. When I was a kid, I went to the library and dragged out bound copies of LIFE magazine, and later, volumes of old Harper's Weekly back to the Civil War. They gave me a window on older, different worlds -- attitudes, cultural mores, what people considered important, etc. Old...
by steve roy
Sun Jul 27, 2014 11:33 pm
 
Forum: Personal Consumer Issues
Topic: Daily Telegraph: World War One Archive
Replies: 116
Views: 10462

Re: What Book Are You Currently Reading? Part V

"Lincoln" by Gore Vidal. Read it thirty years ago, and it holds up. Covers the same ground as Ms. Goodwin's book on Lincoln, but Vidal is inside everyone's head (save Lincoln). What it highlights for me is that national politics has a familiar, recognizable through line. The political play...
by steve roy
Sat Jul 26, 2014 8:24 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1212241

Re: Please evaluate tentative plan for total portfolio overh

At your age, you should strive for simplicity and low costs. The Three Fund Portfolio would suit you. if you didn't have room for bonds in your tax advantaged space, you could go with VG Intermediate Tax Exempt.

There is always time to complicate things up later, when you reach Admiral Share class.
by steve roy
Tue Jul 22, 2014 9:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Please evaluate tentative plan for total portfolio overhaul
Replies: 16
Views: 1346
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