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Re: the milestones, they are a-fallin'

And I'm saying that perhaps momentum will carry things to an out-of-band rebalancing point. I wonder if some folks are just rebalancing out of equities because things are at an all-time high (according to media reports) and not because they have reached a rebalancing point according to their IPS. I...
by zed
Thu May 09, 2013 7:50 am
 
Forum: Personal Finance (Not Investing)
Topic: the milestones, they are a-fallin'
Replies: 42
Views: 3367

Re: A good day to take some money off the table

Bill Bernstein did an interesting interview in Money Magazine last year: http://money.cnn.com/2012/09/04/retirement/investing-mistakes.moneymag/index.html The part that really resonated with me was: "You want to end up with a portfolio that matches your liabilities, meaning the amount you'll n...
by zed
Tue May 07, 2013 12:18 pm
 
Forum: Investing - Theory, News & General
Topic: A good day to take some money off the table
Replies: 96
Views: 7405

Re: Have You Done a FSBO? Did It Go OK?

Lots of good suggestions here.

We did it in 95 and 96. It worked out fine in both cases.

Zed
by zed
Mon May 06, 2013 8:22 am
 
Forum: Personal Consumer Issues
Topic: Have You Done a FSBO? Did It Go OK?
Replies: 28
Views: 2522

Fun with a trailcam

My property is kind of a transition area between the mountains and a river making it kind of a wild game super highway. Twice daily we have large groups of white tail deer crossing our land. I thought it would be interesting to setup a trailcam. On the advice of a friend I bought a Bushnell Trophy N...
by zed
Mon May 06, 2013 7:54 am
 
Forum: Personal Consumer Issues
Topic: Fun with a trailcam
Replies: 1
Views: 301

Re: A good day to take some money off the table

Leonard oh my what hostility in your tone. Perhaps too much time in front of the computer. FWIW My rebalancing strategy comes from Jim Otar's research which suggested that primarily due to momentum, rebalancing more frequently than every four years was counterproductive. Also per his research pickin...
by zed
Fri May 03, 2013 2:04 pm
 
Forum: Investing - Theory, News & General
Topic: A good day to take some money off the table
Replies: 96
Views: 7405

Re: A good day to take some money off the table

My IPS calls for rebalancing in presidential election years if a rebalance band has been traversed. A band was traversed but I let it ride believing that momentum would carry the market higher. It did. I'm now rebalancing and have realized that the FI portion of my portfolio approachs the 25x multip...
by zed
Fri May 03, 2013 1:15 pm
 
Forum: Investing - Theory, News & General
Topic: A good day to take some money off the table
Replies: 96
Views: 7405

Re: A good day to take some money off the table

Momentum has a powerful drawing force.

Momentum is your friend up until it isn't.
by zed
Fri May 03, 2013 12:54 pm
 
Forum: Investing - Theory, News & General
Topic: A good day to take some money off the table
Replies: 96
Views: 7405

A good day to take some money off the table

Bill Bernstein did an interesting interview in Money Magazine last year: http://money.cnn.com/2012/09/04/retirement/investing-mistakes.moneymag/index.html The part that really resonated with me was: "You want to end up with a portfolio that matches your liabilities, meaning the amount you'll ne...
by zed
Fri May 03, 2013 12:21 pm
 
Forum: Investing - Theory, News & General
Topic: A good day to take some money off the table
Replies: 96
Views: 7405

Re: The application for healthcare exchange

Ok I think I get it. The calculators dont tell you what you WILL have to pay. The calculators tell you the maximum you MIGHT have to pay. The actual premium will be dependant on the plan selected and conditions submitted at time of application. So in short your premium will be somewhere between zer...
by zed
Thu May 02, 2013 10:26 pm
 
Forum: Investing - Theory, News & General
Topic: The application for healthcare exchange
Replies: 74
Views: 2630

Re: The application for healthcare exchange

Ok I think I get it. The calculators dont tell you what you WILL have to pay. The calculators tell you the maximum you MIGHT have to pay. The actual premium will be dependant on the plan selected and conditions submitted at time of application. So in short your premium will be somewhere between zer...
by zed
Thu May 02, 2013 10:04 pm
 
Forum: Investing - Theory, News & General
Topic: The application for healthcare exchange
Replies: 74
Views: 2630

Re: The application for healthcare exchange

But the calculators dont ask for the total number of people in the family requiring exchange plans. They ask the family size. The scenerio in question has to do with when one or more family members require an exchange plan AND one or more family members dont -- ie medicare eligible. Is the implicat...
by zed
Thu May 02, 2013 2:52 pm
 
Forum: Investing - Theory, News & General
Topic: The application for healthcare exchange
Replies: 74
Views: 2630

Re: The application for healthcare exchange

So to answer the original question, it doesn't matter how many in the family need exchange insurance. The subsidy is based on how much income the combined family has and limits the out of pocket expense for combined family exchange premiums. So the calculator only needs to know total family income ...
by zed
Thu May 02, 2013 1:45 pm
 
Forum: Investing - Theory, News & General
Topic: The application for healthcare exchange
Replies: 74
Views: 2630

Re: The application for healthcare exchange

John, i have researched this. i have not been able to find the info anywhere on the internet, I have been in other forums and the same thing. they either don't know or offer their opinion(not your fault). a few places i have been they have asked this to their current insurance provider and they say...
by zed
Thu May 02, 2013 11:15 am
 
Forum: Investing - Theory, News & General
Topic: The application for healthcare exchange
Replies: 74
Views: 2630

Re: When you reach your number and keep working

I see myself doing number 1: continuing to be frugal. I do not like waste, and I love efficiency. I take vacations, go out to eat, and enjoy life, but I do so with purpose. I do not drink coke with dinner at restaurants because of the cost and health reasons, but if I really want a coke, I get one....
by zed
Wed May 01, 2013 12:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: When you reach your number and keep working
Replies: 71
Views: 6613

Re: Jack says pay 1% to own the US stock market?

Also, 1% wipes out 25.8% of one's portfolio over 30 years (from http://vanguardblog.com/2011/10/28/stopping-the-silent-killer-of-returns/) Yeah, I thought Jack's example was good at driving the message home, but yeah I was thinking in the back of my head, even 1% in fees will cause something like t...
by zed
Mon Apr 29, 2013 12:31 pm
 
Forum: Investing - Theory, News & General
Topic: Frontline--The Retirement Gamble
Replies: 291
Views: 25482

Re: Downshifting: Self Employment/Early Retirement & Insura

How does one go about finding a health insurance broker?
by zed
Wed Apr 17, 2013 7:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Downshifting: Self Employment/Early Retirement & Insurance
Replies: 18
Views: 1945

Anyone tried Linux on an all-in-one computer

My DW's laptop is nearing end of life so we've been shopping for a new computer. She currently has a Dell laptop with Ubuntu (Linux) installed and is really happy with the Ubuntu experience. She has found in practice however that this laptop is mostly used as a desktop in terms of functionality. She...
by zed
Mon Apr 15, 2013 10:16 am
 
Forum: Personal Consumer Issues
Topic: Anyone tried Linux on an all-in-one computer
Replies: 12
Views: 921

Re: Stocks are at a 5 year high, now what?

I have pork bellies in my future.

Mmmm bacon.

Zed
by zed
Fri Feb 08, 2013 8:42 am
 
Forum: Investing - Theory, News & General
Topic: Stocks are at a 5 year high, now what?
Replies: 55
Views: 7407

Re: Jim Otar Revisited 'Unveiling the Retirement Myth'

sb101,

Thanks for posting Otar's update@

zed
by zed
Thu Feb 07, 2013 11:46 am
 
Forum: Investing - Theory, News & General
Topic: Jim Otar Revisited 'Unveiling the Retirement Myth'
Replies: 11
Views: 3211

[list-alert] Craigslist notification service

Just started using this service [list-alert.com]. Looks like a very useful idea. We created this service because we use Craigslist to look for some oddball items that aren't always available (lately Ted has been looking for a lot of baby-related stuff). We got tired of having to constantly check Cra...
by zed
Wed Jan 30, 2013 10:36 am
 
Forum: Personal Consumer Issues
Topic: [list-alert] Craigslist notification service
Replies: 2
Views: 496

Re: IRAs: Commingling funds

Creditor protection ... didn't consider that. Have not verified the authenticity of this link but perhaps this helps: Federal Protection for IRAs for Bankruptcy Like 401(k) qualified plans, The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (“BAPCPA” or the “Act”) effective for bank...
by zed
Mon Jan 21, 2013 12:41 pm
 
Forum: Investing - Theory, News & General
Topic: IRAs: Commingling funds
Replies: 7
Views: 571

Re: IRAs: Commingling funds

kaneohe Thanks for the clarification and the link. So my whole "problem" was based on my premise that tax-deductible IRA contributions are considered after-tax contributions, thus my erroneous assumption that I was commingling pre-tax and after-tax monies. 2011 was the first year that our ...
by zed
Mon Jan 21, 2013 11:52 am
 
Forum: Investing - Theory, News & General
Topic: IRAs: Commingling funds
Replies: 7
Views: 571

IRAs: Commingling funds

I have an IRA setup at Vanguard titled “Rollover IRA”. For simplicity we'll call it HisIRA. I set it up sometime ago, funding it with monies rolled over from a qualified employer plan (401k). My DW has an IRA setup at Vanguard titled “Traditional IRA” For simplicity we'll call it HerIRA. We set it u...
by zed
Mon Jan 21, 2013 10:24 am
 
Forum: Investing - Theory, News & General
Topic: IRAs: Commingling funds
Replies: 7
Views: 571

Montana Medical Care Savings Accounts

Of interest to Bogleheads residing in Montana – both of them (just kidding). THE MONTANA MEDICAL CARE SAVINGS ACCOUNT Act allows Montanans to save money for medical expenses and long-term health care and reduce their state income taxes at the same time. The money deposited in an MSA is not subject t...
by zed
Thu Jan 17, 2013 10:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Montana Medical Care Savings Accounts
Replies: 1
Views: 178

Re: MVO for Excel

You might want to take a look at the work Simba has done on this board.

Zed
by zed
Wed Jan 16, 2013 9:01 am
 
Forum: Investing - Theory, News & General
Topic: MVO for Excel
Replies: 14
Views: 1184

Re: US Dept Homeland Security urges Disable Java

fyi: email I received from Oracle: Oracle Security Alert for CVE-2013-0422 Dear Oracle Customer, Oracle Security Alert for CVE-2013-0422 was released on January 13, 2013. This Security Alert addresses security issue CVE-2013-0422 (US-CERT Alert TA13-010A) affecting Java running in web browsers on de...
by zed
Mon Jan 14, 2013 10:40 am
 
Forum: Personal Consumer Issues
Topic: US Dept Homeland Security urges Disable Java
Replies: 124
Views: 8139

Re: Meat prices set to rise -- What me worry?

“Meat on sale at the supermarket”? Wow you guys are brave, You are what you eat and when it comes to meat, it is what it ate. Know your farmer. We're fortunate to live on eight acres on which we raise for our own consumption; beef, lamb, chicken and turkey. In season we'll also bag a deer. The four-...
by zed
Fri Jan 11, 2013 9:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Meat prices set to rise?
Replies: 33
Views: 1762

Re:

rmiller07 wrote:
zed wrote:
livesoft wrote:How about Phoenix or Tucson?


Ouch


Already quite invested in these markets :)


Bump. So how has that worked for you?
by zed
Wed Jan 09, 2013 8:52 pm
 
Forum: Investing - Theory, News & General
Topic: What are your favorite Emerging Markets?
Replies: 15
Views: 1711

Re: How to get Ken Fisher Investment off my back?

Life is too short. Stop getting mad. Have some fun with it.
Waste their time.
Next time they call engage them in a language of your invention.
"Dibby dah?"
by zed
Sun Dec 30, 2012 9:41 am
 
Forum: Personal Finance (Not Investing)
Topic: How to get Ken Fisher Investment off my back?
Replies: 55
Views: 12923

Re: Movie recommendation - here's mine

I propose suggestions on a classic movie (i) you've seen in the last year or so (ii) you would recommend to others here Here's mine (an old movie): "The Long Voyage Home" (1940) directed by John Ford synopsis: Cargo ship and crew returning to England from West Indies during wartime. Based...
by zed
Tue Dec 18, 2012 10:28 pm
 
Forum: Personal Consumer Issues
Topic: Movie recommendation - here's mine
Replies: 52
Views: 4179

Re: Take capital gains this year

I'm waiting until after Dec 21st in case the Mayans are right... Just kidding. Actually I bought some TSM on Dec 21st last year so I plan to sell it on the first trading day after the 21st and buy it back the next day. As long as the gain isn't over $13 per share I will stay in the 15% bracket, mea...
by zed
Tue Dec 18, 2012 2:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Take capital gains this year
Replies: 44
Views: 2854

Re: Contract Chicken Growing

Circa 2007 toured the Ozarks looking for a possible relocation spot to semi-retire. Found numerous farms many idle with these distinctive row buildings. Even the old-order Amish normally conservative and careful got suckered into these deals. Do due dilegence my friend.

Zed
by zed
Wed Nov 07, 2012 8:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Contract Chicken Growing
Replies: 51
Views: 2833

Re: Contract Chicken Growing

Don't do it.

Its a commodities market.
Think niche. Think value-added.
Google Joel salatin

Best of luck
by zed
Wed Nov 07, 2012 9:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Contract Chicken Growing
Replies: 51
Views: 2833

Re: Most underrated band of all time [that you listen to]?

Bachman Turner Overdrive
by zed
Sun Sep 16, 2012 9:21 pm
 
Forum: Personal Consumer Issues
Topic: Most underrated band of all time [that you listen to]?
Replies: 342
Views: 12167

Re: Suze Orman - "How am I doing" segment

A nonmortgaged residence provides imputed income, because the owner does not need to spend income/assets to have a place to live (ignoring property taxes). Also, some are able to trade down to a less expensive home (sell at $500,000; buy at $300,000) and add the balance to their investment portfoli...
by zed
Mon Aug 06, 2012 12:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Suze Orman - "How am I doing" segment
Replies: 29
Views: 4656

Re: Suze Orman - "How am I doing" segment

A nonmortgaged residence provides imputed income, because the owner does not need to spend income/assets to have a place to live (ignoring property taxes). Also, some are able to trade down to a less expensive home (sell at $500,000; buy at $300,000) and add the balance to their investment portfoli...
by zed
Sun Aug 05, 2012 6:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Suze Orman - "How am I doing" segment
Replies: 29
Views: 4656

Re: Side jobs or hobbies that make you money

Your commitment? Wow. What about the dog's.
Sorry couldn't let that go w/o comment :shock:

Zed
by zed
Thu Aug 02, 2012 7:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Side jobs or hobbies that make you money
Replies: 89
Views: 10747

Re: Inter-generational Living: Does it work?

Have first-hand experience with two different scenarios: a) DW and I sharing a large home with adult daughter, husband and their three children -- ie everyone under the same roof and b) DW and I sharing a large home with my mother -- ie everyone under the same roof. In short, can't recommend it. Nea...
by zed
Wed Jun 13, 2012 12:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inter-generational Living: Does it work?
Replies: 59
Views: 3619

The Superinvestors of Graham-and-Doddsville

I started a reply to Larry's post ( "Look forward, not backward, with Warren Buffett" http://www.bogleheads.org/forum/viewtopic.php?f=10&t=93688 ) but then realized I was taking his post off topic. I also concur with Larry's conclusion that in general, hindsight bias is very dangerous....
by zed
Thu Mar 29, 2012 11:27 am
 
Forum: Investing - Theory, News & General
Topic: The Superinvestors of Graham-and-Doddsville
Replies: 2
Views: 556

Re: Advanced Portfolio Theory Book Recommendation

Altho not specifically what you were looking for, this is a good compliment to your other reading http://oyc.yale.edu/economics/econ-252-08#sessions
by zed
Thu Mar 22, 2012 10:01 am
 
Forum: Investing - Theory, News & General
Topic: Advanced Portfolio Theory Book Recommendation
Replies: 21
Views: 1329

Re: Can public storage be used as a private library?

Hmmm, 10'x20' climate controlled storage unit, say near a Starbucks, MickeyD's or public library with free wifi.

Get yourself a nice rug, lazyboy recliner, table and table lamp. Maybe a big flat screen TV.

Hey wait a minute .... that would be a great man cave :happy
by zed
Tue Mar 20, 2012 12:38 pm
 
Forum: Personal Consumer Issues
Topic: Can public storage be used as a private library?
Replies: 30
Views: 2195

Re: Swedroe's portfolio shows up in the NYTimes

Sorry, I didn't read the NYT article but IIRC Larry uses a somewhat barbell approach. Here's an old thread that sheds some light on it http://www.bogleheads.org/forum/viewtopic.php?t=41109 . I believe he's tweaked it a bit over the years but the concept still holds.

zed
by zed
Sat Dec 24, 2011 12:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Swedroe's portfolio shows up in the NYTimes
Replies: 46
Views: 7335

Re: Books about sales / customer service / negotiations

EmergDoc (a freqeunt poster here) has a couple titles on his booklist here http://whitecoatinvestor.com/
by zed
Mon Dec 12, 2011 11:31 pm
 
Forum: Personal Consumer Issues
Topic: Books about sales / customer service / negotiations
Replies: 9
Views: 491

Re: Tax Planning Link

TaxCaster is an excellent tax planning tool

It works from a kindle too ... well sorts
:shock:
by zed
Thu Dec 08, 2011 10:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax Planning Link
Replies: 1
Views: 248

Re: Tax "Gain" Harvesting

bump, this is just too good to ignore :D

See tfb's reference to
0% Capital Gains Tax Rate for 2011 and 2012 -> http://thefinancebuff.com/0-capital-gains-tax-rate-for-2011-and-2012.html

edited one time to clarify my point
by zed
Sat Dec 03, 2011 10:28 pm
 
Forum: Investing - Theory, News & General
Topic: Tax "Gain" Harvesting
Replies: 57
Views: 3923

Re: Republic Wireless???

sportal wrote:Republic Wireless - The Catch

Do I need Wi-Fi at home to join?
Yes. Our service is designed for users with access to Wi-Fi. Everyone can become a Wi-Fi person. And that’s a good thing, because nobody likes a cell-hog.


Oh. Nevermind then.
by zed
Sat Nov 12, 2011 6:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Republic Wireless???
Replies: 16
Views: 1567

Re: Republic Wireless???

Google will tell you that it is not really unlimited. Do you have a reference? I'm getting a fair deal on my Verizon voice plan based on usage and employer discount. What I don't like is Verizon's tiered data plans. I'm curious to see how this Republic thing unfolds as I'm interested in possibly se...
by zed
Sat Nov 12, 2011 10:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Republic Wireless???
Replies: 16
Views: 1567

Re: a what rates does borrowing money to invest make sense?

Hedge funds were borrowing at IIRC about 2% from Japanese banks just before the global margin call of 2007. What makes this different?
by zed
Wed Nov 09, 2011 8:24 am
 
Forum: Investing - Theory, News & General
Topic: a what rates does borrowing money to invest make sense?
Replies: 51
Views: 2502
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