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Re: Please critique my 300k portfolio

chameleon wrote:A little about myself. I'm currently unemployed traveling abroad.


Nice!!

How long are you traveling? How did you accumulate so much at a young age? It's great to be able to hopefully make some money in investments while abroad.
by yukon50
Sun Apr 20, 2014 7:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please critique my 300k portfolio
Replies: 12
Views: 1816

Re: Help select laptop

1. Salesperson told me a celeron or pentium processor are way behind the times and I would be better with something better. I'm not sure about this considering my needs are pretty small and I'm not very picky. I am not really a hardware person, but I would tend to agree. A good laptop is going to l...
by yukon50
Sat Apr 19, 2014 5:58 am
 
Forum: Personal Consumer Issues
Topic: Help select laptop
Replies: 21
Views: 1423

Help select laptop

I'm looking for a new laptop. Budget: $300-400 Usage: -Mainly internet browsing with up to 10 tabs open in a browser at once -MS Word for job searching -Small amount of youtube, and also some photo storage I'm not very well versed on technology, so it's hard for me to determine what's a good value p...
by yukon50
Thu Apr 17, 2014 6:14 am
 
Forum: Personal Consumer Issues
Topic: Help select laptop
Replies: 21
Views: 1423

Re: Converting i-bonds to electronic

stevewolfe wrote:Since the site was unhelpful I'm curious why are you thinking you'd like to continue with the electronic conversion vs. keeping them in a safe deposit box, etc?


Do they need to be kept in a safe deposit box? What happens if house burns and they are at home?
by yukon50
Wed Apr 16, 2014 2:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Converting i-bonds to electronic
Replies: 7
Views: 627

Re: This time it's different?

Don't know what I paid for my shares in the 1980s and 1990s, but there were some good times and some bad economic times. The returns seemed to be okay by 2005 when I retired at age 55. Should I have been more careful? Should I have watched valuations closer? I'm sure that I don't know how to time t...
by yukon50
Thu Apr 10, 2014 5:59 am
 
Forum: Investing - Theory, News & General
Topic: This time it's different?
Replies: 16
Views: 2466

Re: Anyone else very reluctant to buy right now?

Seems like lots of posts go like this:

"I'm 32 and have 200k in the bank (my life savings so far). I'm tired of 0% in savings. Since the market is high, should I lump sum this 200k now or DCA over 6 mo?"
by yukon50
Mon Apr 07, 2014 3:02 am
 
Forum: Investing - Theory, News & General
Topic: Anyone else very reluctant to buy right now?
Replies: 124
Views: 12119

Re: No Market Mania Here!

Is it me or are there a lot of new posts like this:

"I've got 80k in the bank and I'm tired of a 0% return. I know it's bad to invest at high points but convince me to invest it all now or DCA over 6 months?"
by yukon50
Wed Apr 02, 2014 7:36 pm
 
Forum: Investing - Theory, News & General
Topic: No Market Mania Here!
Replies: 13
Views: 1277

Re: "Investing" in gift cards

The time I spent reading this thread was barely worth it to me. Let alone the time and leg work to do some of this. :D I give some of you all credit though for doing it to save a few bucks. Good job, really!... Not worth it to me though either. It's not worth it to you to do 2 hours of work to get ...
by yukon50
Wed Apr 02, 2014 3:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Investing" in gift cards
Replies: 32
Views: 2644

Re: Need to allocate $155K in IRA

How long have you had the 155k in cash? If you've held it for a few years, why didn't you invest a few years ago?
by yukon50
Mon Mar 31, 2014 6:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Need to allocate $155K in IRA
Replies: 10
Views: 1223

Re: Happy fifth birthday! [since the 2008-2009 market crash]

I would be interested in all the 5-year returns since 3/9/09 for all the asset classes, similar to the summary in the 2010 thread.
by yukon50
Thu Mar 13, 2014 6:36 am
 
Forum: Investing - Theory, News & General
Topic: Happy fifth birthday! [since the 2008-2009 market crash]
Replies: 54
Views: 3351

Re: Hit a milestone today. Thanks Bogleheads!

snoop9928 wrote:Congrats! I broke 200k a month ago at 27. Pretty excited. Keep saving!


Nice!

Can you share more? When start work? Inheritance?
by yukon50
Fri Mar 07, 2014 6:39 am
 
Forum: Investing - Theory, News & General
Topic: Hit a milestone today. Thanks Bogleheads!
Replies: 31
Views: 4689

Re: How early to purchase plane tickets?

Hawaii is a popular Xmas destination from the West Coast. While you can find flights and hotels later in the year to the outer Islands, rental cars become the constraint. There's only so many on the outer Islands, and they will be reserved by October or the price can rise five to ten times normal r...
by yukon50
Mon Mar 03, 2014 6:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: How early to purchase plane tickets?
Replies: 15
Views: 1522

Re: First foray into taxable accounts, $15k to invest now

If your taxable account has 25k, you could buy-and-hold VTI and transfer your account around every 6 months to get nice bonuses.

Fidelity, for example, offers 15,000 United miles for 25k.
by yukon50
Sun Feb 16, 2014 3:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: First foray into taxable accounts, $15k to invest now
Replies: 32
Views: 3048

Re: When did/do you want stocks to start rising?

I probably would too if I were investing from scratch. But as it is, the damage from the current investments would be large enough that there's no guarantee that the battered stocks will ever recover it, or that I'll make enough money going forward to help them do that. And my ability to sleep woul...
by yukon50
Mon Feb 10, 2014 8:24 am
 
Forum: Investing - Theory, News & General
Topic: When did/do you want stocks to start rising?
Replies: 58
Views: 3186

Recommend travel insurance

Does anyone have recommendations on travel insurance? I'm planning on getting DAN (scuba insurance) and it seems like it has some useful features that compare to travel insurance, however, I have never purchased travel insurance so I don't really know it that well. I'm wondering if a DAN plan is goo...
by yukon50
Tue Dec 17, 2013 2:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Recommend travel insurance
Replies: 5
Views: 394

Re: Shiller P/E 10 hits 25

Man, I love VBS now. They sure have made buying and selling easier. I was able to: sell VBR buy VXUS buy VGK buy VSS all in about 2 minutes. I just sold 25% of my US stocks. From 55/45 US/international I think that makes me 40/60 now. So you went from 55% US to 40% US and dropped total stock percen...
by yukon50
Fri Nov 15, 2013 5:53 am
 
Forum: Investing - Theory, News & General
Topic: Shiller P/E 10 hits 25
Replies: 268
Views: 15763

Re: Shiller P/E 10 hits 25

Also, we assume that going up to a PE level from 2000 is a best-case scenario.

But what if the US market does something like a Japan in the 80's. What would the Japan PE10 been up to in 1989?
by yukon50
Fri Nov 15, 2013 5:52 am
 
Forum: Investing - Theory, News & General
Topic: Shiller P/E 10 hits 25
Replies: 268
Views: 15763

Re: ShareBuilder bonus cash - any potential issues?

I went for a Sharebuilder bonus: $100 for making 5 trades. I met the bonus and they refused to award the bonus because I had gotten a few bonus in the past from them.

I pleaded with them and they refused to budge.
by yukon50
Sun Oct 20, 2013 5:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: ShareBuilder bonus cash - any potential issues?
Replies: 11
Views: 836

Re: For TIPS ladder, IBonds versus TIPS?

I am sticking with I Bonds only. And you can buy an additional $10K/year for your living trust (which you could pretty easily create on your own using the Nolo Press book), so $20K total per year. The thing about I Bonds is that they have no interest-rate risk, other than the early withdrawal penal...
by yukon50
Fri Oct 11, 2013 3:20 am
 
Forum: Investing - Help with Personal Investments
Topic: For TIPS ladder, IBonds versus TIPS?
Replies: 20
Views: 1675

Re: Recommend a cheap, small tablet?

I will probably try to find something used for under $100 because my traveling will be rough on it (backpacks getting thrown around). Leaning towards the Kindle but still considering all options.

Won't be using it extensively. Just want to have something to watch sports games with.
by yukon50
Wed Oct 09, 2013 6:45 am
 
Forum: Personal Consumer Issues
Topic: Recommend a cheap, small tablet?
Replies: 40
Views: 3922

Re: A personal story about investor behavior

I wonder what the real return would have been for a 50/50? How would this have compared to a real return during 2008?
by yukon50
Tue Oct 01, 2013 3:00 pm
 
Forum: Investing - Theory, News & General
Topic: A personal story about investor behavior
Replies: 16
Views: 2640

Re: Recommend a cheap, small tablet?

I will be using it mostly for browsing internet and watching sports.

Will try to buy something used.

Haven't considered buying a phone and using it for internet/sports. Maybe I will look into that, too.
by yukon50
Mon Sep 30, 2013 6:11 pm
 
Forum: Personal Consumer Issues
Topic: Recommend a cheap, small tablet?
Replies: 40
Views: 3922

Recommend a cheap, small tablet?

What is a good tablet that is cheap and portable and would be good for traveling internationally?

Want to have something that can connect to wifi.

Thinking of something like a Kindle Fire. Is there anything smaller?

Am considering buying a used device off Craiglist. Is that a good or bad idea?
by yukon50
Mon Sep 30, 2013 4:45 am
 
Forum: Personal Consumer Issues
Topic: Recommend a cheap, small tablet?
Replies: 40
Views: 3922

Re: Shiller PE10 nearing nosebleed territory?

What I found interesting is:

At the extremes, the standard deviation is lower. Which means at low valuations you have a pretty good chance of good returns and at high valuations a pretty good chance of subpar returns.
by yukon50
Thu Sep 26, 2013 2:13 pm
 
Forum: Investing - Theory, News & General
Topic: Shiller PE10 nearing nosebleed territory?
Replies: 290
Views: 22788

Re: Shiller PE10 nearing nosebleed territory?

I'm expecting something of a reversion to the mean for equity returns, a lost decade for fixed income and strong justification to avoid any US home country bias, because there are certainly international companies competing head to head with US ones across all markets, and the case for paying signi...
by yukon50
Thu Sep 26, 2013 1:25 pm
 
Forum: Investing - Theory, News & General
Topic: Shiller PE10 nearing nosebleed territory?
Replies: 290
Views: 22788

Re: Does active investing work for college endowments?

What is the purpose of an endowment? What is the money earmarked for?
by yukon50
Wed Sep 25, 2013 3:47 pm
 
Forum: Investing - Theory, News & General
Topic: Does active investing work for college endowments?
Replies: 26
Views: 2017

Re: Shiller PE10 nearing nosebleed territory?

In 1996, Alan Greenspan announced that stock investors were exhibiting "irrational exuberance". The S&P 500 doubled over the next 3 years. The message in this reminder is that if you believe stock prices are at a nosebleed P/E level, there is a fair chance they could go to the heart a...
by yukon50
Mon Sep 23, 2013 12:01 pm
 
Forum: Investing - Theory, News & General
Topic: Shiller PE10 nearing nosebleed territory?
Replies: 290
Views: 22788

Re: ACA: Pay penalty?

One can not simply buy health insurance on the 'Marketplace' when they become sick just as you can buy Homeowners insurance while your house is on fire. Marketplace has Open Enrollment period when one can purchase health insurance. For the year 2014, open enrollment period is October 1st 2013 throu...
by yukon50
Sun Sep 22, 2013 1:32 am
 
Forum: Personal Finance (Not Investing)
Topic: ACA: Pay penalty?
Replies: 34
Views: 2711

Re: ACA: Pay penalty?

Jack, With the elimination of pre-existing conditions, one can sign up for an exchange plan during open enrollment and for a non-exchange plan outside of open enrollment, right? What makes you think you can sign up for a non-exchange plan outside of open enrollment? There is nothing in the law requ...
by yukon50
Sat Sep 21, 2013 2:22 am
 
Forum: Personal Finance (Not Investing)
Topic: ACA: Pay penalty?
Replies: 34
Views: 2711

Re: ACA: Pay penalty?

Jack, With the elimination of pre-existing conditions, one can sign up for an exchange plan during open enrollment and for a non-exchange plan outside of open enrollment, right? What makes you think you can sign up for a non-exchange plan outside of open enrollment? There is nothing in the law requ...
by yukon50
Sat Sep 21, 2013 12:19 am
 
Forum: Personal Finance (Not Investing)
Topic: ACA: Pay penalty?
Replies: 34
Views: 2711

ACA: Pay penalty?

With the elimination of pre-existing conditions, one can sign up for an exchange plan during open enrollment and for a non-exchange plan outside of open enrollment, right? So what is to prevent someone from waiting until they get sick and then signing up? I guess you could get into a really bad acci...
by yukon50
Fri Sep 20, 2013 9:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: ACA: Pay penalty?
Replies: 34
Views: 2711

Re: Shiller PE10 nearing nosebleed territory?

http://i46.tinypic.com/14d3g4p.jpg Just eyeballing this, it looks like PE10 got up around 23 approximately in 1902, 1928,1965, 1995. Each time, even though it might have gone on to higher levels, it eventually came back to single digits except for the last time, when it eventually came back to abou...
by yukon50
Thu Sep 19, 2013 7:30 pm
 
Forum: Investing - Theory, News & General
Topic: Shiller PE10 nearing nosebleed territory?
Replies: 290
Views: 22788

Re: Shiller PE10 nearing nosebleed territory?

I don't know, in my view PE10-based asset allocation produces equivalent returns with lower risk. I'm happy with my long-term returns, and I was able to completely miss the 2000 tech crash and entered the 07 crash only 30% invested in stocks. All my IPS does is help me avoid overinvestment at extre...
by yukon50
Thu Sep 19, 2013 7:28 pm
 
Forum: Investing - Theory, News & General
Topic: Shiller PE10 nearing nosebleed territory?
Replies: 290
Views: 22788

Re: 10 year Treasury Rate Hits 3%

Where is the 30 year TIPS? Getting killed compared to Total Bond Market! Well, that is true but compared to a CD or ST bonds/bond fund, the intermediate stuff is getting killed. I do not understand all of the fuss about the rising interest rates. the recent rise should not be a surprise to anyone a...
by yukon50
Sat Sep 07, 2013 1:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: 10 year Treasury Rate Hits 3%
Replies: 23
Views: 3713

Re: emerging markets have investors panicking

afan wrote:Does anyone know of data indicating that emerging markets produce excess risk adjusted returns over a cap weighted international total stock index?


I'd like to know as well.

Wondering if EM is worth a small tilt.
by yukon50
Fri Aug 30, 2013 1:34 am
 
Forum: Investing - Theory, News & General
Topic: emerging markets have investors panicking
Replies: 142
Views: 13111

Re: What do you do with your cash back rewards?

Does anyone transfer Chase Freedom points to miles partners? Or save them to use them for 1.25 cents on flights? I don't know how to do this. I've looked specifically for this on the UltimatemRewards page and have not found a way. I thought it was onkynpossible with the Sapphire card. You need to p...
by yukon50
Fri Aug 30, 2013 1:27 am
 
Forum: Personal Finance (Not Investing)
Topic: What do you do with your cash back rewards?
Replies: 51
Views: 3336

Re: What do you do with your cash back rewards?

Does anyone transfer Chase Freedom points to miles partners? Or save them to use them for 1.25 cents on flights?
by yukon50
Thu Aug 29, 2013 5:00 am
 
Forum: Personal Finance (Not Investing)
Topic: What do you do with your cash back rewards?
Replies: 51
Views: 3336

Re: Bad idea to buy i-bond now?

So say one has $20,000 in a MM emergency savings, and wants to convert that to something with a better rate. Two options I see are a 5 year CD at 1.5% and i-bonds currently yielding 1.18%. Which would you take? Keep in mind both cases would be purchased like a ladder, in smaller increments over the...
by yukon50
Fri Aug 09, 2013 12:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bad idea to buy i-bond now?
Replies: 39
Views: 3957

Re: Like Cash ?

JoMoney wrote:
yukon50 wrote:Does anyone know how much cash has lost to inflation since 2008?


$1 in 2008 has the same buying power as $1.08 in 2013
http://www.bls.gov/data/inflation_calculator.htm


That's a big hit to buying power. And it's permanent, assuming we don't enter deflation.
by yukon50
Fri Aug 09, 2013 10:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Like Cash ?
Replies: 26
Views: 2193

Re: How have stocks fared when CAPE > 24?

http://imageshack.us/scaled/large/17/jnj9.png Both PE's are above 75th percentile range. As others have mentioned, high valuations does not mean sell signals Since 1950, the median PE10 has been 16.5 and the median P/PeakE has been 15.0. I believe those are more realistic numbers than going back to...
by yukon50
Fri Aug 09, 2013 10:55 am
 
Forum: Investing - Theory, News & General
Topic: How have stocks fared when CAPE > 24?
Replies: 98
Views: 5966

Re: Help understanding 0 capital gains tax (15% tax Bracket)

I have an additional advantage in that I live overseas and incur no state income taxes nor will I be mandated to participate in the new health care exchanges (being exempt as an expat) so I am not concerned about health insurance subsidies I would lose by showing higher income. What do you do about...
by yukon50
Fri Aug 09, 2013 10:06 am
 
Forum: Investing - Theory, News & General
Topic: Help understanding 0 capital gains tax (15% tax Bracket)
Replies: 21
Views: 1944

Re: Like Cash ?

Not if the market is dropping 40% it's not :-) If inflation is 2% more than what you are getting in interest, you'll see that 40% drop over the course of 26 years. If inflation goes up to 3% over the interest you earn, you'll lose 40% of your money in 18 years. With inflation at 4% over interest ra...
by yukon50
Fri Aug 09, 2013 12:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Like Cash ?
Replies: 26
Views: 2193

Re: Allocating from 100% Cash into a Balanced Portfolio

When did you start saving cash? Why did you not put in stocks/bonds then?

You are saving at a good clip so that is a great start.
by yukon50
Thu Aug 08, 2013 11:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Allocating from 100% Cash into a Balanced Portfolio
Replies: 20
Views: 2384

Re: Muni Bond Fund appropriate for Emergency Fund?

I always considered the risk of earning very little (and thereby losing purchasing power) by holding too much in cash for a long time bigger than the risk of having to sell some of the shares of my tax-free-dividend-earning intermediate-term muni bond fund at a loss. I agree with this. For example,...
by yukon50
Thu Aug 08, 2013 12:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Muni Bond Fund appropriate for Emergency Fund?
Replies: 24
Views: 1611

Re: Bonds and risk: Putting interest rate changes in perspec

Tigermoose: I guess you didn't look at the full paper, which has a section entitled "Mitigating bond risk by moving to cash": "We recognize that bond investors facing the prospect of rising rates might naturally be inclined to either shorten duration or move into cash. Such a strateg...
by yukon50
Wed Aug 07, 2013 1:49 pm
 
Forum: Investing - Theory, News & General
Topic: Bonds and risk: Putting interest rate changes in perspective
Replies: 17
Views: 1549

Re: Tuning portfolio: add cash equivalents and/or intnl. bon

Just curious, what are your monthly expenses like in India?
by yukon50
Wed Aug 07, 2013 11:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Tuning portfolio: add cash equivalents and/or intnl. bonds?
Replies: 7
Views: 602

Re: For munis, bond fund or ladder

Larry,

What do you think about the current muni yield curve? I noticed Vanguard LT Tax Exempt has a 3.3% yield.

Also, aren't muni yields lower than treasuries? Why are they higher yields than treasuries right now?
by yukon50
Wed Aug 07, 2013 11:40 am
 
Forum: Investing - Theory, News & General
Topic: For munis, bond fund or ladder
Replies: 116
Views: 10118

Re: How have stocks fared when CAPE > 24?

Rick, at what S&P 500 level would you start to become worried about valuation?
by yukon50
Wed Aug 07, 2013 11:34 am
 
Forum: Investing - Theory, News & General
Topic: How have stocks fared when CAPE > 24?
Replies: 98
Views: 5966

Re: poll; what % of your bond allocation is in I-bonds?

About 80%.

Highly value the put option and they pay a competitive real yield compared to almost anything on the bond market, except maybe long-term bonds.
by yukon50
Wed Aug 07, 2013 11:31 am
 
Forum: Investing - Theory, News & General
Topic: poll; what % of your bond allocation is in I-bonds?
Replies: 36
Views: 2563

Re: Overweighing international allocation

Why not tilt? 30 US/70 INTL?

US has been outperforming nicely...higher PE's...etc.

(Why is it so acceptable to tilt to SCV but not INTL?)
by yukon50
Sat Jul 20, 2013 1:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Overweighing international allocation
Replies: 30
Views: 2115
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