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Re: Answer to Most Physician/High Net Worth Questions:

That's not a bad list, and anyone who can follow it will do quite well. But the obvious bullet point may have to be #0: " Plan to live on half your salary, and save/invest the rest ". And as others on this board, including myself has advised, "live like a resident" [Edit: letsgo...
by vesalius
Sat Sep 27, 2014 6:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Answer to Most Physician/High Income Job Questions:
Replies: 31
Views: 2229

Re: Answer to Most Physician/High Net Worth Questions:

I agree that 8 years is a long time to live like a resident. Personally, I lived a lifestyle about 1.5-2X what I had as a resident for 4 years, then moved into the lifestyle I intend to continue indefinitely. That was plenty for me. Someone with a lower income to debt ratio may need to be more aggr...
by vesalius
Sat Sep 27, 2014 4:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Answer to Most Physician/High Income Job Questions:
Replies: 31
Views: 2229

Re: Due diligence on RAFI Pure Small Value

Johnny, if you have not already, check out these 2 threads for some data as to why incorporating momentum as opposed to using only value may help bolster and diversify your returns.

DFA-RAFI & factor diversification within 30:30:40 portfolio
A close look at value and momentum
by vesalius
Thu Sep 25, 2014 4:59 pm
 
Forum: Investing - Theory, News & General
Topic: Due diligence on RAFI Pure Small Value
Replies: 178
Views: 15137

Re: iOS 8 update available today

iOS 8.0.1 is available now. "This release contains improvements and bug fixes." Apparently iOS 8.0.1 may break more than it fixes: Apple Releases iOS 8.0.1 With Fixes for HealthKit, Keyboards, and More [WARNING: iOS 8.0.1 Causing Issues With Cell Service, Touch ID] (http://www.macrumors.c...
by vesalius
Wed Sep 24, 2014 2:13 pm
 
Forum: Personal Consumer Issues
Topic: iOS 8 update available today
Replies: 65
Views: 5523

Re: iOS 8 update available today

For those that that run into issues, check here for a solution.
The Most Common iOS 8 Upgrade Problems You'll Meet and Solutions
by vesalius
Mon Sep 22, 2014 4:21 pm
 
Forum: Personal Consumer Issues
Topic: iOS 8 update available today
Replies: 65
Views: 5523

Re: Due diligence on RAFI Pure Small Value

JohnnyFive wrote:Looks like PXSV is now offered commission free on Schwab as of VERY recently. Great news.

Glad you brought that here. Schwab just expanded their lineup of free to trade ETFs 2 days ago I think. There is your free trades and no fee account Johnny.
by vesalius
Sat Sep 20, 2014 10:19 am
 
Forum: Investing - Theory, News & General
Topic: Due diligence on RAFI Pure Small Value
Replies: 178
Views: 15137

Re: Macbook Air; how much RAM?

Must we devolve into a PC versus apple debate? This wasn't really meant to be a PC vs Apple debate - I'm mainly commenting about the hardware features and cost. The computer hardware in Macs used to be widely different than PCs, but nowadays, the current Macs are really just PC hardware with an App...
by vesalius
Fri Sep 19, 2014 2:54 am
 
Forum: Personal Consumer Issues
Topic: Macbook Air; how much RAM?
Replies: 59
Views: 3081

Re: Macbook Air; how much RAM?

You'd be crazy to spend over $1,000 just for the name brand. I agree wholeheartedly. But since there are more things the OP will get for the extra money than just name brand, I don't really see how that's a relevant point. Like the soldered RAM? Seriously that is a deal killer for me right there. Y...
by vesalius
Thu Sep 18, 2014 8:33 pm
 
Forum: Personal Consumer Issues
Topic: Macbook Air; how much RAM?
Replies: 59
Views: 3081

Re: Macbook Air; how much RAM?

Quick update: girlfriend's co-worker is selling her his 2011 Macbook Air 4gb/256 for $400. I took a look at it, and it looks like it's barely been used. Probably won't have the longevity of a brand new Air with 8gb, but at 400 bucks it's a steal. If the battery is working well, that is a steal. I w...
by vesalius
Thu Sep 18, 2014 4:01 pm
 
Forum: Personal Consumer Issues
Topic: Macbook Air; how much RAM?
Replies: 59
Views: 3081

Re: iOS 8 update available today

Wait a bit on the update! ------- .... Also using iTunes just to move pics around is incredibly Stone-Age... Anakin What do you mean "using iTunes just to move pics around"? What pics are you "moving around" and why do you need iTunes to do it? I think he's probably talking abou...
by vesalius
Thu Sep 18, 2014 1:42 pm
 
Forum: Personal Consumer Issues
Topic: iOS 8 update available today
Replies: 65
Views: 5523

Re: iOS 8 update available today

JamesSFO wrote:So 5 total devices migrated: 3 total success, 2 lost data (needed to use backup).
Well that sucks. I hope all is well now. I went 4 for 4 total success,
by vesalius
Thu Sep 18, 2014 1:40 pm
 
Forum: Personal Consumer Issues
Topic: iOS 8 update available today
Replies: 65
Views: 5523

Re: IPhone 6 and AT&T Contract Extension

I am in a similar situation. I did the math and found that it is a better deal to do the "AT&T NEXT" or just buy the phone outright. With the 2 year commitment they get you by increasing the monthly fee on the family plan from $15 to $40. Plus the $40 activation fee (which is waved fo...
by vesalius
Wed Sep 17, 2014 9:26 am
 
Forum: Personal Consumer Issues
Topic: IPhone 6 and AT&T Contract Extension
Replies: 14
Views: 1141

Re: How much value can an advisor add for the average invest

Now a key here is that I'm referring to the AVERAGE investor. Not the average Boglehead. An advisor provides very little for a Boglehead. But for someone who knows literally nothing about investment, about stocks, bonds etc except what they read in the headlines, what value can an advisor provide? ...
by vesalius
Wed Sep 17, 2014 9:21 am
 
Forum: Investing - Theory, News & General
Topic: How much value can an advisor add for the average investor?
Replies: 71
Views: 4719

Re: IPhone 6 and AT&T Contract Extension

I think you might have changed data plans. I went in there and asked them about buying the phone on the two year contract and you can't do that and get the family shared data plan for $130, that also comes with unlimited talk and text. That $130 plan is for people that buy the phone on the next/ste...
by vesalius
Wed Sep 17, 2014 8:43 am
 
Forum: Personal Consumer Issues
Topic: IPhone 6 and AT&T Contract Extension
Replies: 14
Views: 1141

Re: IPhone 6 and AT&T Contract Extension

If this family plan was established more than a year ago you may want to compare to the newest mobile share plans from ATT that are cheaper, particularly with multiple smart phones. It is really easy to switch to the newer plans.
by vesalius
Tue Sep 16, 2014 7:58 pm
 
Forum: Personal Consumer Issues
Topic: IPhone 6 and AT&T Contract Extension
Replies: 14
Views: 1141

Re: Macbook Air; how much RAM?

Go with 8. 4 is more than sufficient for now, but the Macbook Air you purchase today can easily last you 4-5 years or even more. Future operating systems and software are not going to get appreciably less memory intensive and there is every reason to believe that they will progressively require more...
by vesalius
Tue Sep 16, 2014 12:33 pm
 
Forum: Personal Consumer Issues
Topic: Macbook Air; how much RAM?
Replies: 59
Views: 3081

Re: 100% Small and Value Tilting

Serious question, what cheaper funds are you referring to? VSS would be my pick. PDN's 0.15 value factor loading, or w/e it is, isn't worth the 0.3% extra ER. Well I just disagree, as I find the multifactor sort, and smaller company focus of PDN worth it over VSS. Neither are bad choices though. VS...
by vesalius
Mon Sep 15, 2014 10:10 am
 
Forum: Investing - Theory, News & General
Topic: 100% Small and Value Tilting
Replies: 72
Views: 4567

Re: Due diligence on RAFI Pure Small Value

A few smaller brokerages offer cheaper trades. OptionsHouse and TradeKing offer etfs and stock trades for $4.75 and $4.95 respectively. Interactive Brokers has $1 commissions. They charge a $10 monthly minimum, but the minimum is waved if you have more than $100,000 invested. Given that I only make...
by vesalius
Mon Sep 15, 2014 9:39 am
 
Forum: Investing - Theory, News & General
Topic: Due diligence on RAFI Pure Small Value
Replies: 178
Views: 15137

Re: 100% Small and Value Tilting

Hallman wrote:
vesalius wrote:
Serious question, what cheaper funds are you referring to?


VSS would be my pick. PDN's 0.15 value factor loading, or w/e it is, isn't worth the 0.3% extra ER.

Well I just disagree, as I find the multifactor sort, and smaller company focus of PDN worth it over VSS. Neither are bad choices though.
by vesalius
Fri Sep 12, 2014 10:02 pm
 
Forum: Investing - Theory, News & General
Topic: 100% Small and Value Tilting
Replies: 72
Views: 4567

Re: 100% Small and Value Tilting

I would look at PXSV on the SV side, PDN on the ISV side and also consider having a emerging markets fund, DGS would fill the bill there. PDN doesn't seem valuey. Why wouldn't I just go with a cheaper fund here? Here is a recent thread on the ISV options: International Small Cap Value Serious quest...
by vesalius
Fri Sep 12, 2014 7:53 pm
 
Forum: Investing - Theory, News & General
Topic: 100% Small and Value Tilting
Replies: 72
Views: 4567

Re: 100% Small and Value Tilting

I would look at PXSV on the SV side, PDN on the ISV side and also consider having a emerging markets fund, DGS would fill the bill there.
by vesalius
Fri Sep 12, 2014 6:08 pm
 
Forum: Investing - Theory, News & General
Topic: 100% Small and Value Tilting
Replies: 72
Views: 4567

Re: Due diligence on RAFI Pure Small Value

Is this ETF offered commission free at any of the online brokerages? I don't have any brokerage accounts at this point. My entire portfolio is held within Vanguard's funds. I have not yet bought ETF's, however, I'm looking to buy into PXSV and given they don't have a fund equivalent, will have to o...
by vesalius
Fri Sep 12, 2014 1:33 pm
 
Forum: Investing - Theory, News & General
Topic: Due diligence on RAFI Pure Small Value
Replies: 178
Views: 15137

Re: How much value can an advisor add for the average invest

Yes people would/could be better off if they took the time to understand and do it themselves, but the facts are that most won't. That is the fundemental disagreement we are having here. Beyond that, people knowing what to do is still only a minor part of the solution. Actually following through co...
by vesalius
Thu Sep 11, 2014 5:13 pm
 
Forum: Investing - Theory, News & General
Topic: How much value can an advisor add for the average investor?
Replies: 71
Views: 4719

Re: How much value can an advisor add for the average invest

Because the "average investor" doesn't WANT to understand even the very basics you need to know to be a Boglehead. We take for granted on this board that everyone here is very knowledgeable and even the relatively clueless people here are actually a lot more knowledgeable about investing ...
by vesalius
Thu Sep 11, 2014 4:31 pm
 
Forum: Investing - Theory, News & General
Topic: How much value can an advisor add for the average investor?
Replies: 71
Views: 4719

Re: How much value can an advisor add for the average invest

Because the "average investor" doesn't WANT to understand even the very basics you need to know to be a Boglehead. We take for granted on this board that everyone here is very knowledgeable and even the relatively clueless people here are actually a lot more knowledgeable about investing ...
by vesalius
Thu Sep 11, 2014 3:35 pm
 
Forum: Investing - Theory, News & General
Topic: How much value can an advisor add for the average investor?
Replies: 71
Views: 4719

Re: How much value can an advisor add for the average invest

I am looking for a fee only advisor that does hourly rates to make sure I am on target, answer a few questions I have. I went to http://www.napfa.org to get a list and emailed a few asking about hourly services. This was the response of one that on their website said specifically they have hourly r...
by vesalius
Wed Sep 10, 2014 3:31 pm
 
Forum: Investing - Theory, News & General
Topic: How much value can an advisor add for the average investor?
Replies: 71
Views: 4719

Re: If no access to DFA, Small Value worth it?

Per http://www.bridgeway.com/strategies/mutual-funds/omni/omni-small-cap-value/fees-expenses/ Limited availability to advisors. Please contact Bridgeway at 713-661-3500, Option 1, for more information. Larry has always noted in the past that he prefers these exclusive type funds and this appears to...
by vesalius
Tue Sep 09, 2014 11:59 am
 
Forum: Investing - Theory, News & General
Topic: If no access to DFA, Small Value worth it?
Replies: 30
Views: 3977

Re: The daddy of all grill islands

I know you said NG, but my absolute favorite are pellet grills. I am partial to the Memphis pellet grills. American made, 5 year warranty that they stand behind, and outstanding construction. They can be used as a smoker, a convection oven, a pizza oven, as well as basic indirect and direct flame gr...
by vesalius
Mon Sep 08, 2014 2:15 pm
 
Forum: Personal Consumer Issues
Topic: The daddy of all grill islands
Replies: 35
Views: 2785

Re: Modulating The Larry Portfolio

Deep Thoughts, might I also suggest reading up on most if not all Robert T's post here on the bogleheads forums. A good starting point is Section 5. Policy targets and sample portfolios of his post , Collective thoughts [investing mini-reference] , pinned at the top of this forum. He also has a Rafi...
by vesalius
Wed Sep 03, 2014 3:21 pm
 
Forum: Investing - Theory, News & General
Topic: Modulating The Larry Portfolio
Replies: 34
Views: 2320

Re: The mystery of MOM

Thanks Larry. Very interesting. I suspect that another factor supporting momentum stocks are the legions of day traders, they love MOM. I think should be reserved for small allocation to individual stock speculation, at least until Vanguard comes out with a low cost MOM fund. Which is probably neve...
by vesalius
Wed Sep 03, 2014 12:08 pm
 
Forum: Investing - Theory, News & General
Topic: The mystery of MOM
Replies: 8
Views: 1027

Re: Financial Advisory Firms

A few articles from prominent writers that post here. The Average Investor Should Use An Investment Advisor: How to Find One When to Use a Financial Advisor In addition to being able to manage and execute a plan less emotionally, they also might offer better tax loss harvesting simply due to better ...
by vesalius
Wed Sep 03, 2014 12:05 pm
 
Forum: Investing - Theory, News & General
Topic: Financial Advisory Firms
Replies: 5
Views: 355

Re: Modulating The Larry Portfolio

Deep thoughts that is certainly one way to modulate the Larry Portfolio. Altough as you stated you are really just moving toward a routine slice and dice. If you wanted to be roughly equivalent to a 3 fund 50/50, you could also just use a (35-40)/(65-60) LP. I actually started there and I am current...
by vesalius
Wed Sep 03, 2014 11:28 am
 
Forum: Investing - Theory, News & General
Topic: Modulating The Larry Portfolio
Replies: 34
Views: 2320

Re: Does anyone have 'Lazy Portfolios'?

I have a lazy, simple to manage 4 fund portfolio. It also happens to be an extreme tilt Larry portfolio. Tilting does not automatically equate to being hard to manage.
by vesalius
Sat Aug 30, 2014 9:35 am
 
Forum: Investing - Theory, News & General
Topic: Does anyone have 'Lazy Portfolios'?
Replies: 85
Views: 6624

Re: SCHC vs. SFILX

SCHC is a ETF that follows the capitilization weighted FTSE Developed Small Cap ex U.S index. It has a low ER 0f 0.19% SFILX is a mutual fund that follows the fundmentally weighted Russell RAFI Fundamental Developed ex-U.S. Small Company Index. It has an ER 0f 0.50%. If you really want small cap val...
by vesalius
Fri Aug 29, 2014 3:26 pm
 
Forum: Investing - Theory, News & General
Topic: SCHC vs. SFILX
Replies: 4
Views: 466

Re: Bridgeway Omni SCV (BOTSX) vs PXSV

Thanks again Robert. I don't think anyone can be sure where the exact sweet spot is for reconstitution. We will have to see if the techniques Bridgeway and DFA utilize completely compensate versus only partially mitigate the value in less frequent trading and reconstitution.
by vesalius
Thu Aug 21, 2014 10:59 am
 
Forum: Investing - Theory, News & General
Topic: Bridgeway Omni SCV (BOTSX) vs PXSV
Replies: 31
Views: 2502

Re: Your biggest "Missed Money" event that still kills you?

Never really traded individual stocks for myself, but I did some for my mom. I bought her approx $48k of APPL when it was at $12 a share presplit somewhere before or after the turn of the century. Sold later for a modest profit as I started to learn and read about indexing, but well before the stock...
by vesalius
Wed Aug 20, 2014 9:40 am
 
Forum: Investing - Theory, News & General
Topic: Your biggest "Missed Money" event that still kills you?
Replies: 102
Views: 8096

Re: Starting a Lazy Portfolio Now

Two good articles on this topic are linked below: Should you invest your money all at once or spread it out? 4 Rules for Investing a Lump Sum Both of these and more can be found on Wiki page for Dollar cost averaging . Like establishing an asset allocation that you personally can stay the course wit...
by vesalius
Wed Aug 06, 2014 2:00 pm
 
Forum: Investing - Theory, News & General
Topic: Starting a Lazy Portfolio Now
Replies: 21
Views: 3593

Re: Do I need a small cap index if I already have total mark

The simple answer is no a small cap fund (VISVX or NAESX) is not required if you already have Vanguard Total Market Index VTSMX. Many people tilt to small cap value as your proposed portfolio would. Some do extreme tilts such as the Larry portfolio, which is what I have used for the last 2-3 years. ...
by vesalius
Mon Aug 04, 2014 3:58 pm
 
Forum: Investing - Theory, News & General
Topic: Do I need a small cap index if I already have total market ?
Replies: 58
Views: 5466

Re: Due diligence on RAFI Pure Small Value

Multi-factor value sort with a backdoor load on profitability thru P/CF and P/E. It even has a Price/5 year "value" component that PE10 folks can appreciate. What's not to like? Hmm, maybe the presence of lower cost, better performing alternatives? PXSV lifetime to date vs Vanguard SV (I'...
by vesalius
Thu Jul 24, 2014 7:15 am
 
Forum: Investing - Theory, News & General
Topic: Due diligence on RAFI Pure Small Value
Replies: 178
Views: 15137

Re: a close look at value and momentum

Again its a personal choice on what actions, if any, we should take. Personally, I have no problem with someone holding a (world) market index fund as their only stock holding, just as I don't have an issue with someone holding the iShares MSCI USA Momentum fund. I can see a rationale for either. T...
by vesalius
Sat Jul 19, 2014 5:10 pm
 
Forum: Investing - Theory, News & General
Topic: a close look at value and momentum
Replies: 259
Views: 18514

Re: a close look at value and momentum

The iShares fund has matched fairly closely the returns of the MSCI Momentum Index since the funds inception. If the iShares MSCI Momentum Fund has the same long-term characteristics (factor loads, including its close to zero alpha) as its underlying index had from Jan 1980 then it will capture par...
by vesalius
Sat Jul 19, 2014 12:25 pm
 
Forum: Investing - Theory, News & General
Topic: a close look at value and momentum
Replies: 259
Views: 18514

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

Yes I do for around 2 years now and I am happy with it.
by vesalius
Fri Jul 18, 2014 2:56 pm
 
Forum: Investing - Theory, News & General
Topic: Do any bogleheads hold the "Larry Portfolio?"
Replies: 18
Views: 2612

Re: Bet it ALL on Small Cap Value when you're young

Target2030

Those 2 funds are only available through BAM affiliated advisors. Larry's group helped to devise them and they get sole access, as far as I know.
by vesalius
Thu Jul 17, 2014 4:08 pm
 
Forum: Investing - Theory, News & General
Topic: Bet it ALL on Small Cap Value when you're young
Replies: 64
Views: 6483

Re: was Bogle right about ETFs?

kenner wrote:Perhaps Mr. Bogle is more concerned about investor psychology and decision-making. Decades of real knowledge prove the importance of these factors.

Exactly. ETFs are fine and here to stay. How people use them in regards to investor psychology and decision-making can be the problem.
by vesalius
Thu Jul 17, 2014 11:34 am
 
Forum: Investing - Theory, News & General
Topic: was Bogle right about ETFs?
Replies: 26
Views: 3050

Re: was Bogle right about ETFs?

About trading ETFs - yes Bogle was right. ETFs were designed to be sold and bought, sold and bought, etc... Bogleheads don't buy products designed to be sold. For expats who can't purchase mutual funds, the creation of ETFs is quite significant. I like ETFs because I know what price I am buying at....
by vesalius
Thu Jul 17, 2014 11:32 am
 
Forum: Investing - Theory, News & General
Topic: was Bogle right about ETFs?
Replies: 26
Views: 3050

Re: Persistence of SV performance

Real funds have to deal with slippage and transaction costs, that will reduce returns even though it won't show up in an index. Large caps are generally super liquid, and small caps less so. Only looking at indexes will make small cap look better then it should. A fair response would be to find a d...
by vesalius
Wed Jul 16, 2014 6:20 am
 
Forum: Investing - Theory, News & General
Topic: Persistence of SV performance
Replies: 71
Views: 3979

Re: Bet it ALL on Small Cap Value when you're young

Browser wrote:If BETA is the enemy, why not a low-beta fund or allocating to low-beta sectors: consumer durables, heathcare, and utilities?

Did anyone call beta the enemy? It seems to me that saying that there are other factors to consider beyond beta is is far cry from saying beta is bad?
by vesalius
Tue Jul 15, 2014 7:52 pm
 
Forum: Investing - Theory, News & General
Topic: Bet it ALL on Small Cap Value when you're young
Replies: 64
Views: 6483

Re: Due diligence on RAFI Pure Small Value

I'm saying that the change of index does not change the fact that PSVX was a small-value fund since inception. And everyone else but you seems to realize that different indices can have wildly different returns even in the same asset class. 1 index is not a sufficient proxy for all the others. :?: ...
by vesalius
Tue Jul 15, 2014 7:47 pm
 
Forum: Investing - Theory, News & General
Topic: Due diligence on RAFI Pure Small Value
Replies: 178
Views: 15137

Re: a close look at value and momentum

Countmein DFA and Bridgeway use MOMENTUM screens similarly, screening out negative MOM stocks and using positive MOM signals to have preference in order of what gets sold when it reaches sell range. AQR uses both long and long short momentum. Very different DFA adds profitability screens. AQR uses ...
by vesalius
Tue Jul 15, 2014 7:42 pm
 
Forum: Investing - Theory, News & General
Topic: a close look at value and momentum
Replies: 259
Views: 18514

Re: Due diligence on RAFI Pure Small Value

If anybody is interested, here is the TellTale chart of PXSV vs VTSAX : http://i58.tinypic.com/x4rq5u.jpg :oops: From the OP by Robert T. "This is now tracked by the Powershares Fundamental Pure Value Series (PXSV) starting June 16, 2011 (note that PXSV tracked a different index before June 20...
by vesalius
Tue Jul 15, 2014 7:32 pm
 
Forum: Investing - Theory, News & General
Topic: Due diligence on RAFI Pure Small Value
Replies: 178
Views: 15137
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