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Re: Hedge fund loses 99.8% of all funds, $100m down to $200k

In other news, "hedge-fund hotshot made $1B betting on oil": http://nypost.com/2015/01/21/this-hedge-fund-hotshot-made-a-killing-on-the-oil-crash/ If the manager who lost 99.8% of his fund would have guessed correctly, he too would likely be considered a hotshot right now. This is why I am...
by zaboomafoozarg
Wed Jan 21, 2015 6:49 pm
 
Forum: Investing - Theory, News & General
Topic: Hedge fund loses 99.8% of all funds, $100m down to $200k.
Replies: 59
Views: 6582

Re: Suze Orman: $100 into $860k, and cfiresim

Wait just a minute. What if the Indians on Manhattan Island who took instead of $ 25.00 worth of trinkets and took the $ 25.00 in cash and invested it at 5% got after 400 years ? Back testing is a dream! $7 trillion? Shoot, you could buy Manhattan with that much money! :D Edit: I looked it up on wi...
by zaboomafoozarg
Mon Jan 19, 2015 7:37 pm
 
Forum: Investing - Theory, News & General
Topic: Suze Orman: $100 into $860k, and cfiresim
Replies: 47
Views: 5103

Re: Suze Orman: $100 into $860k, and cfiresim

This doesn't just apply to lunch. Things like entertainment, vacations, vehicles, houses, and kids all have a much higher opportunity cost than lunch. Spending as little as you can on these things can be worth a fortune when compounded over 30 or 40 years.
by zaboomafoozarg
Mon Jan 19, 2015 12:02 am
 
Forum: Investing - Theory, News & General
Topic: Suze Orman: $100 into $860k, and cfiresim
Replies: 47
Views: 5103

Re: Is this normal for a new account?

Weird, I have done VG account setup online and by phone and gotten everything created in as little as 10 minutes and at most 1 day.
by zaboomafoozarg
Thu Jan 15, 2015 1:07 pm
 
Forum: Investing - Theory, News & General
Topic: Is this normal for a new account?
Replies: 5
Views: 1147

Re: Do you encrypt financial/investment documents on your PC

Seriously? People keep this information unprotected? What a heartache if you lost control of your financial data. All those passwords to change, credit card companies to call, or do you just hope the thief doesn't notice what's on your computer? Why would anyone save their passwords? Those are supp...
by zaboomafoozarg
Thu Jan 15, 2015 10:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you encrypt financial/investment documents on your PC?
Replies: 37
Views: 1970

Re: Poll - How much is enough / what's your number?

$1.5 million in current dollars.
by zaboomafoozarg
Wed Jan 14, 2015 11:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll - How much is enough / what's your number?
Replies: 79
Views: 7475

Re: Do you encrypt financial/investment documents on your PC

Nah. I don't save usernames or passwords on my machine, just documents. If someone did manage to get them, so what?
by zaboomafoozarg
Wed Jan 14, 2015 11:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you encrypt financial/investment documents on your PC?
Replies: 37
Views: 1970

Re: Am I making a mistake being too conservative?

You should use a tool like http://www.cfiresim.com or http://firecalc.com to see how an asset allocation like that has fared over the past 100+ years.
by zaboomafoozarg
Wed Jan 14, 2015 6:48 pm
 
Forum: Investing - Theory, News & General
Topic: Am I making a mistake being too conservative?
Replies: 58
Views: 7441

Re: Where do you tilt your Total Int'l Fund?

My international is 33% of equities, allocated as follows:

70% total Int'l market (VTIAX)
20% Int'l small cap (VSS)
10% Int'l REITs (VNQI)

No international bonds.
by zaboomafoozarg
Sun Jan 11, 2015 11:42 am
 
Forum: Investing - Theory, News & General
Topic: Where do you tilt your Total Int'l Fund?
Replies: 40
Views: 3204

Re: Savings Rate vs. FUN

Wait a year or two and see if you still really want the car then. This is what I did, and am glad that I did. A few years ago there were a very expensive thing - a $40k piano - that I dreamed of being able to afford and seriously thought about purchasing because I wanted it and had the money. But no...
by zaboomafoozarg
Sat Jan 10, 2015 12:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savings Rate vs. FUN
Replies: 43
Views: 3403

Re: Cancel Homeowner's Insurance?

And if someone falls on your driveway, and you have no liability coverage ?... Way too risky. Shop it around, and go for the highest deductibles. If you think you have the income to self insure, you can surely cover the premiums. umbrella coverage Check the terms of your umbrella coverage. Usually,...
by zaboomafoozarg
Fri Jan 09, 2015 8:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Cancel Homeowner's Insurance?
Replies: 106
Views: 6606

Re: WHY is retirement enjoyable / something to look forward

When I see "young" people dreaming about early retirement -- really, really early -- I have trouble imagining that. Just now I realized why that is. I did not start on a career very early on. I quit college, traveled and lived in Europe (a couple of times), and held short-term jobs. I joi...
by zaboomafoozarg
Thu Jan 08, 2015 11:18 pm
 
Forum: Personal Consumer Issues
Topic: WHY is retirement enjoyable / something to look forward to?
Replies: 237
Views: 20018

Anyone else get wrongly commissioned buying ETFs at VG?

[Thread moved into here, see below. --admin LadyGeek] Just an odd thing that I noticed yesterday. I purchased some Vanguard ETFs in my Vanguard Roth IRA a few days - some VTI, VXUS, BND and VSS. When my Roth IRA purchase confirmation came through, it showed that I had been charged a commission of $...
by zaboomafoozarg
Thu Jan 08, 2015 4:38 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone ever [incorrectly] charged Vanguard ETF commission
Replies: 12
Views: 980

Re: Stacked up some more silver bullion today

I got a few silver ancients last year: - Alexander the Great drachm from ~320 BC - Artaxerxes I siglos from ~450 BC - Tiberius denarius from 18-35 AD - some Sasanian and Parthian drachma The goal for 2015 is either a shekel of Tyre or an Alexander the Great tetradrachm, if I can find a decent deal....
by zaboomafoozarg
Wed Jan 07, 2015 6:49 pm
 
Forum: Investing - Theory, News & General
Topic: Stacked up some more silver bullion today
Replies: 86
Views: 11008

Re: What will be the biggest investment surprises of 2015?

donocash wrote:
zaboomafoozarg wrote:They will fluctuate.


This is a surprise?


Well, people certainly act surprised when it happens.
by zaboomafoozarg
Sun Jan 04, 2015 10:50 pm
 
Forum: Investing - Theory, News & General
Topic: What will be the biggest investment surprises of 2015?
Replies: 76
Views: 7430

Re: Chromebook dedicated to finances?

KailuaBoy wrote:Or, you could just install antivirus software and use common sense when banking on the internet.


We have a winner! :D
by zaboomafoozarg
Sun Jan 04, 2015 1:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Chromebook dedicated to finances?
Replies: 62
Views: 3751

Re: Net Worth Survey, 2015 Edition

BigFoot48 wrote:Or, "Rate your happiness on a scale of 1 to 10 (whole numbers only)".


My happiness has been approximately inversely proportional to my net worth. Not really sure why, but hope I can turn it around one of these years.
by zaboomafoozarg
Sun Jan 04, 2015 1:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth Survey, 2015 Edition
Replies: 132
Views: 21804

Re: Protecting 401k Money During Rollover

Personally, I decided that it wasn't worth worrying about. I rolled over a 401k last year worth about 40% of my total assets and the market went up a couple percent. Ah well.

Since you have 2 401ks, I suppose you could roll one over start to finish, then roll the second one over.
by zaboomafoozarg
Sat Jan 03, 2015 9:10 pm
 
Forum: Investing - Theory, News & General
Topic: Protecting 401k Money During Rollover
Replies: 12
Views: 1136

Re: Wealthfront Direct Indexing Platform

I honestly don't see why a robot service would be better than just buying a target date fund, or rolling your own portfolio. They might have a spiffy UI with these sites but so what? Last I checked they don't take all your accounts into consideration, so unless you're only investing money there it'd...
by zaboomafoozarg
Sat Jan 03, 2015 2:20 am
 
Forum: Investing - Theory, News & General
Topic: Wealthfront Direct Indexing Platform
Replies: 32
Views: 4367

Re: The Wealthfront Direct Indexing Platform

It really is brutal.. I make my living building websites and apps and focus on user experience.. I can't fathom how much business they must lose by people being frustrated or intimidated by the web site. What? My parents don't have a problem using it. From a usability standpoint it's definitely bet...
by zaboomafoozarg
Sat Jan 03, 2015 2:16 am
 
Forum: Investing - Theory, News & General
Topic: Wealthfront Direct Indexing Platform
Replies: 32
Views: 4367

Re: Net Worth Survey, 2015 Edition

Eastwest wrote:Wow, now I feel really poor.


That happens to me every time I see the results of this spreadsheet :D
by zaboomafoozarg
Fri Jan 02, 2015 3:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth Survey, 2015 Edition
Replies: 132
Views: 21804

Re: Stacked up some more silver bullion today

I'm not a fan of silver, but gold coins are like an anti-depressant drug to me! I just love holding them and letting them drop through my fingers. There is something magical about them. And apparently, I'm not alone. They're not an investment to me, but not a waste of money either. Gold is pretty c...
by zaboomafoozarg
Thu Jan 01, 2015 9:30 pm
 
Forum: Investing - Theory, News & General
Topic: Stacked up some more silver bullion today
Replies: 86
Views: 11008

Re: Bogleheads 2015 Hedge Fund Contest

Name: To Thine Own Self Be Contrarian

Long:

SAM
PM
ATK

Short:

AAPL
JPM
M
by zaboomafoozarg
Thu Jan 01, 2015 4:21 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2015 Hedge Fund Contest
Replies: 112
Views: 9736

Re: Stacked up some more silver bullion today

I got a few silver ancients last year:

- Alexander the Great drachm from ~320 BC
- Artaxerxes I siglos from ~450 BC
- Tiberius denarius from 18-35 AD
- some Sasanian and Parthian drachma

The goal for 2015 is either a shekel of Tyre or an Alexander the Great tetradrachm, if I can find a decent deal.
by zaboomafoozarg
Thu Jan 01, 2015 10:34 am
 
Forum: Investing - Theory, News & General
Topic: Stacked up some more silver bullion today
Replies: 86
Views: 11008

Re: What are your Financial New Year's Resolutions?

Allow myself to take a trip to Hawaii even though it's expensive.
by zaboomafoozarg
Tue Dec 30, 2014 7:54 am
 
Forum: Personal Finance (Not Investing)
Topic: What are your Financial New Year's Resolutions?
Replies: 44
Views: 3297

Re: Do you usually order beverage at restaurants?

I used to buy pop at restaurants all the time, but now I always get water to save both the calories and the money.
by zaboomafoozarg
Sun Dec 28, 2014 11:05 pm
 
Forum: Personal Consumer Issues
Topic: Do you usually order (not-free) beverage at restaurants?
Replies: 89
Views: 7630

Re: Best watch for around $5,000?

Checking the time on a phone or asking someone for the time is a pain in comparison to checking a watch. No pain, if you are on the phone all the time. True :) I try to avoid gluing my face to the phone too often, so as to not appear to be one of "those" people. ("those" people ...
by zaboomafoozarg
Sun Dec 28, 2014 11:03 pm
 
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 842
Views: 171232

Re: Best watch for around $5,000?

Many posters have commented that they don't wear watches. Instead, they use their phones. In contrast, I always wear a watch. I started thing about why I do so on the golf course today and finally figured it out. If you are a litigator, you know that one of the worst things that can happen to you i...
by zaboomafoozarg
Sun Dec 28, 2014 10:46 pm
 
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 842
Views: 171232

Re: Do you celebrate financial milestones?

I haven't officially celebrated any milestones yet, since I still have a long way to go before getting to any levels worth celebrating.
by zaboomafoozarg
Fri Dec 26, 2014 6:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you celebrate financial milestones?
Replies: 117
Views: 14223

Re: 'time in' the market vs 'timing' the market

I felt the same way when I started investing, so I spread my initial savings investment over about 3 years. I'd have about $50k more right now if I would have lump summed in at the start. But spreading it out allayed some of the fears that I had and enabled me to start investing, so I'm OK with that...
by zaboomafoozarg
Fri Dec 26, 2014 12:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: 'time in' the market vs 'timing' the market
Replies: 37
Views: 2430

Re: Gaming PC for son, buy or build?

Definitely build your own. It's a great learning experience, plus a great way to save some money and get exactly what you want.
by zaboomafoozarg
Sun Dec 21, 2014 7:00 pm
 
Forum: Personal Consumer Issues
Topic: Gaming PC for son, buy or build?
Replies: 63
Views: 5003

Re: Federal Taxes - Sticker Shock (And how to reduce)

Another way to defers a little bit of taxes: moving some money from savings accounts (interest taxed ever year) to an I-Bond (interest only taxed when the I-Bond is sold). If you keep enough money in cash/savings that I-Bonds make sense, and have enough other assets that the mandatory 1-year holding...
by zaboomafoozarg
Sat Dec 20, 2014 4:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Federal Taxes - Sticker Shock (And how to reduce)
Replies: 58
Views: 5456

Re: Federal Taxes - Sticker Shock (And how to reduce)

Can you expand on this? Charitable donations are a 1:1 reduction on taxable income, yes? If so, even at a 33% tax rate, I can't see the logic behind donating $30K (arbitrary figure used as an example) to save $10K on taxes....you'd still be out $20K. Of course, I could just be missing something. Yo...
by zaboomafoozarg
Sat Dec 20, 2014 12:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Federal Taxes - Sticker Shock (And how to reduce)
Replies: 58
Views: 5456

Re: Do you travel with friends?

Nope, I usually go on vacations alone. People think it's crazy and that it is impossible to have fun by yourself, but I don't mind it at all.
by zaboomafoozarg
Fri Dec 19, 2014 12:03 am
 
Forum: Personal Consumer Issues
Topic: Do you travel with friends?
Replies: 53
Views: 5318

Re: WHY is retirement enjoyable / something to look forward

TheTimeLord wrote:For me every day did not begin like Saturday because I like to play golf on Saturday and being in my 50s everybody I play with was working.


I always have fun when playing golf by myself - nobody there to catch me taking mulligans! :D
by zaboomafoozarg
Wed Dec 17, 2014 11:00 pm
 
Forum: Personal Consumer Issues
Topic: WHY is retirement enjoyable / something to look forward to?
Replies: 237
Views: 20018

Re: WHY is retirement enjoyable / something to look forward

When I was a young whippersnapper at age 24, I was all gung-ho and excited about my career, and thought I'd never want to retire. By age 27 I was completely burned out and wanting to get out. :) Now with a new job things are a little better so far, but I'm still saving like crazy so that I'll have m...
by zaboomafoozarg
Wed Dec 17, 2014 12:05 am
 
Forum: Personal Consumer Issues
Topic: WHY is retirement enjoyable / something to look forward to?
Replies: 237
Views: 20018

Re: WHY is retirement enjoyable / something to look forward

1530jesup wrote:Every day ends like it is Friday evening
Every day begins as if it is Saturday


That sounds amazing :D
by zaboomafoozarg
Tue Dec 16, 2014 11:30 pm
 
Forum: Personal Consumer Issues
Topic: WHY is retirement enjoyable / something to look forward to?
Replies: 237
Views: 20018

Re: U.S. stocks in freefall

Noobvestor wrote:
ivyhedge wrote:Our shiba inu saw Bloomberg this morning and said, "much sell". I responded, "many buy".


Image


Gonna buy those stocks with dogecoin? :D
by zaboomafoozarg
Mon Dec 15, 2014 7:21 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1195
Views: 221114

Re: At what age did you find dream job?

It took me 3 different jobs to realize there's no such thing as a dream job for me. My line of work (software development) involves a lot of in-depth thinking and planning, and brain surgery side effects have made thinking very hard at times. I can still perform the job a good level, but it causes a...
by zaboomafoozarg
Sat Dec 13, 2014 10:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: At what age did you find dream job?
Replies: 32
Views: 2771

Re: What is a move-up car after mid-size sedan?

livesoft wrote:One is telegraphing their income, status, and all that stuff. That's why I drive a Lexus. The most important feature is the cost.


When I see someone driving a Lexus, I just think that they wasted their money :D
by zaboomafoozarg
Sat Dec 13, 2014 9:51 pm
 
Forum: Personal Consumer Issues
Topic: What is a move-up car after mid-size sedan?
Replies: 63
Views: 4164

Re: What is the best meal you've had at a restaurant?

Ribs at Ruby Tuesday. Haven't found any that I like better, no matter how many places (chain or independent) that I eat at.
by zaboomafoozarg
Sat Dec 13, 2014 9:49 pm
 
Forum: Personal Consumer Issues
Topic: What is the best meal you've had at a restaurant?
Replies: 88
Views: 6939

Re: Most/Least Boglehead 2014 Activity?

Most Bogleheadish: switched to a new job with better pay, better benefits... and a .02% ER on total US market in my 401k :D

Least Bogleheadish: bought over $1k worth of bronze, silver and gold coins from ancient Greece, Rome and Persia
by zaboomafoozarg
Sat Dec 13, 2014 8:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Most/Least Boglehead 2014 Activity?
Replies: 93
Views: 9440

Re: You folks think the big one is coming?

No idea. If something happens before January 1st, I'll be able to buy more shares.
by zaboomafoozarg
Fri Dec 12, 2014 6:28 pm
 
Forum: Investing - Theory, News & General
Topic: You folks think [a market crash] is coming?
Replies: 64
Views: 5775

Re: Where to place International REIT?

I invest in VNQI in my rollover IRA, because that's where I have the space to do it. Dividends are mostly unqualified, so not going to buy in my taxable account.
by zaboomafoozarg
Fri Dec 12, 2014 7:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Where to place International REIT?
Replies: 9
Views: 971

Re: Is it safe to leave Laptop in hotel room

I have never had a problem leaving my laptop in my hotel room.

But just be aware that the staff might "inspect" it :D

https://www.youtube.com/watch?v=oulbBdmGH8o
by zaboomafoozarg
Sat Dec 06, 2014 12:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it safe to leave Laptop in hotel room
Replies: 65
Views: 13879

Re: How long did your IT career last? At what age did it en

darrellr wrote:22 years in IT at this point. 20 of those in an on-call rotation. Not done yet at 46, but getting close (by my choice, megacorp remains happy with me at this time).


Wow, I hate on-call. I just recently got out of it and it has made me much happier.
by zaboomafoozarg
Sat Dec 06, 2014 12:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long did your IT career last? At what age did it end?
Replies: 156
Views: 15057

Re: How long did your IT career last? At what age did it en

I'm a software developer and have worked with a good number of devs who are around 50. Haven't seen many above that age in the web app field, but plenty of them in COBOL/assembly mainframe development. My goal is to be FI by the time I'm 45 or 50, so that if someone decides I'm no longer needed, I c...
by zaboomafoozarg
Fri Dec 05, 2014 12:02 am
 
Forum: Personal Finance (Not Investing)
Topic: How long did your IT career last? At what age did it end?
Replies: 156
Views: 15057

Re: U.S. stocks in freefall

nisiprius wrote:"There may come a day... but this is not that day."


This day, we relabance!
by zaboomafoozarg
Tue Dec 02, 2014 11:53 am
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1195
Views: 221114
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