Bogleheads.org

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...

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...

Lots of good suggestions here.

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

Zed

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...

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...

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...

Momentum has a powerful drawing force.

Momentum is your friend up until it isn't.

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...

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...

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...

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...

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 ...

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...

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....

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...

How does one go about finding a health insurance broker?

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...

I have pork bellies in my future.

Mmmm bacon.

Zed

sb101,

Thanks for posting Otar's update@

zed

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...

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...

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 ...

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...

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...

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

Zed

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...

“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-...

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?

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?"

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...

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...

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

Don't do it.

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

Best of luck

SRV
+1

Bachman Turner Overdrive

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...

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...

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

Zed

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...

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....

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

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

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

EmergDoc (a freqeunt poster here) has a couple titles on his booklist here http://whitecoatinvestor.com/

TaxCaster is an excellent tax planning tool

It works from a kindle too ... well sorts

Www.galleryofguns.com. try the gun genie

bump, this is just too good to ignore

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

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.

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...

Hedge funds were borrowing at IIRC about 2% from Japanese banks just before the global margin call of 2007. What makes this different?