Bogleheads

Looks like a lot of fun! I am thinking of buying a new boat, something a little cheaper which requires less crew and fuel to operate Wink

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http://www.oceankayak.com/kayaks/angler_editions/prowle ...

Quote:
the market conditions we are experiencing are not normal.

Per Mandelbrot, the 1987 one day market crash of 23% was said to be a one in a billion event by standard deviation models. As ...

The first thing you have to address is risk of loss in order to determine the suitability of a proposed (AA) asset allocation.

How much can you stand to lose and make it up/not significantly affec ...

So Adrian, if a person's maximum tolerable loss is greater than 25%, they have a history ob holding through hard times, and other personal/financial circumstances dictate a high equity allocation, why ...

http://www.youtube.com/watch?v=EjINZszzYDs&feature=related

http://www.youtube.com/watch?v=o_fxEoF8Vl8&feature=related

John Templeton on value investing.

Adrian
anenu@tampabay.rr.c ...

Not magic but common sense:

Tolerable Loss x 2 = Equity Allocation < 50%

Anyone who does not address risk of loss cannot determine suitability.

Adrian
anenu@tampabay.rr.com

With PIMCO Total Return, you can't know the risk because you don't know how your money is invested and the diversification of the fund. Gross can invest in practically any bonds and takes equity risk. ...

I talked my dentist into dropping Raymond James after it fleeced him for many years' worth of high fees and mediocre advice. I also gave him several investing books and since then has managed his own ...

May I ask what that symbolic representation above is supposed to mean? What does the "< 50%" at the end indicate? Is the "equation" only meant to work when the "equity allo ...

This is never true. This is especially not true during times when valuation's very rich, such as during the Great Depression, Japanese Bubble burst after 1989 and the technology market crash after 200 ...

You have to account for risk of loss (1973-1974, 2000-2002 and 2008-2009) when you decide on you asset allocation, there is no way around it. If you don't get it right and you lose more than you can h ...

Do you suppose that the $139 billion being withdrawn but not going to RIAs is do-it-yourselfers?

From personal observations, I know there is a growing group of investors who just don't know what ...

The stock markets may have positive returns during recessions (or may not) but odds are good that very bad things will happen to corporate earnings during recessions. This translates into progressivel ...

1) Is there an advantage to using the 403b or the 457b? Should I be contributing to one and then the other other if I've maxed the first? Should I be contributing equally to both? Right now I'm just c ...

I am not taking sides but typically these actors and athletes concentrate on earning their money and hire a manager to invest it for them. If this is the case with Nicholas Cage, the competence of the ...

I second Taylor's recommendation of TIPS in tax deferred and LTD/Intermdiate muni in taxable.

I also agree with TJAJ9 that your asset allocation is too risky.

Consider increasing your bond all ...

http://www.evansonasset.com/index.cfm?Page=13

In 1997, Peter L. Bernstein, author of several popular and well-respected books on investing, cautioned investors about employing the long run as a ben ...

http://www.bloomberg.com/apps/news?pid=20603037&sid=asaGepMNxZz8

Looks like many wealthy investors are realizing they are getting fleeced by their brokers and bailing out. Independent RIAs are ...

http://www.thugvillage.com/media/general/featured/398-nicholas-cage-sues-former-business-manager

The lawsuit states that

"Instead of protecting and preserving Cage's wealth during one of ...

The US was not in recession for about half of what we now call the Great Depression. In the middle of the Great Depression there was a 4 year economic expansion during which the stock market rose over ...

Darth Vader's redemption/best scene:

http://www.youtube.com/watch?v=4BOQI-LAEzM&feature=related

http://www.youtube.com/watch?v=KbKGcvgME-w&feature=related

Adrian
anenu@tampabay.rr.c ...

If someone would have predicted back in early 2009 that the markets would advance to these levels, I would have accused them of drinking a pint of Fleischman's Vodka! Or maybe even a fifth! This bear ...

CD ladder comprised of 1, 2, 3 and 4 year CDs of $10k each. This gives some flexibility if money is needed.

Adrian
anenu@tampabay.rr.com

It's most likely a test to check if he is ethical and honest.

Adrian
anenu@tampabay.rr.com

Classic sell low, buy high,

The time to buy was in late 2008 and early 2009 when stocks went on sale and the media was putting out sensationalist headlines that the sky was falling. Unfortunately ...

Individual T-bills, E and I bonds and TIPS bonds as well as FDIC insured CDs - all held to maturity.

http://www.bloomberg.com/markets/rates/index.html

http://www.bankrate.com/funnel/cd-investme ...

High credit quality bonds and FDIC insured CDs do the trick (diversify global stock market systemic risk) not other stocks (think flight to quality scenario).

Adrian
anenu@tampabay.rr.com

The main asset allocation issue is your stock/bond mix. How much (as a portfolio percentage) can you afford to lose and still maintain your standard of living and if so, can you make up the loss some ...

I took about a 7% pay cut due to my employer's budget constraints but I give myself plenty of "safety margin" so it had virtually no effect on my lifestyle or retirement savings plan contrib ...

The aim of the authors is to eliminate tracking errors against the market portfolio, which explains why so many names are required. The question is, since the market portfolio is available from Vangua ...

http://www.efficientfrontier.com/ef/900/15st.htm

http://efmoody.com/investments/diversification.html

Adrian
anenu@tampabay.rr.com

heck since the "crash" he's gotten half of it back already plus whatever he's been putting in.

It doesn't have to be this way during the next big bear market - the stock market could take ...

You are at best "an annuity!"

Second, even the most secure jobs, if they are bonds at all, are junk bonds. Google News: "layoffs of tenured professors at the San Francisco Art Inst ...

I'm a bit dubious about the Trinity Study because it concludes that a 100% stock portfolio will provide a 100% chance of a portfolio lasting 30 years. That can be very misleading. I've seen studies th ...

It takes about 350 stocks to diversify US non-systemic risk. Those who think they can pick the winning stocks have to use a dozen or less to try to beat the market. Big stock/sector bets are their onl ...

Posted: Fri Jan 18, 2008 10:56 am Post subject:

--------------------------------------------------------------------------------

Me: Hello, I'd like to get an advance on my human capita ...

http://newsblog.projo.com/2009/11/feds-say-lawyer-rothstein-cond.html

http://www.abajournal.com/news/feds_file_for_forfeiture_in_rothstein_ponzi_scheme/

Adrian
anenu@tampabay.rr.com

If the adviser did not tell you the risk of loss and variability of returns of the proposed portfolio, your time was wasted.

Adrian
anenu@tampabay.rr.com

Those are good ones Michael, thanks!

Here are a few more:

Here are some of the worst predictions that were made about 2008. Savor them -- a crop like this doesn't come along every year.

1. ...

Google "Jefferson County Alabama bond debacle". Then take a look at California's problems. That's why national diversification is important when it comes to muni bond funds.

Adrian
anen ...

Knowing the TOTAL cost of the 457 investment is key (fund fees + administrative fees) to evaluating tax deferred advantage vs other cheaper options, such as a Vanguard taxable account. If TOTAL costs ...

I suspect Larry has low self esteem due to his inability to make any significant accomplishments in his life. No doubt he was crushed when he found out that you and Rick disagreed with him over CCF's. ...

http://online.wsj.com/article/SB125805117324845653.html?mod=WSJ_hpp_MIDDLENexttoWhatsNewsThird

The U.S. government filed a civil forfeiture suit Monday against Mr. Rothstein, accusing him of sellin ...

Not to mention the rude reception Swedroe got from Ferri and I when he tried to make the (mistaken) case for commodities futures funds. Note that he hasn't mentioned CFs since then.

Adrian
anenu@ ...

Yep, and most of the money is going into Vanguard's low fee bond funds.

Adrian
anenu@tampabay.rr.com

What is the "Margaritaville lazy portfolio"? I've never heard of it.

My suggestion is to invest in a Roth IRA (Roth IRAs if you are married) first, then evaluate your employer's 457 plan ...

Hi WorkToLive,

The first thing you should ask yourself is how great of a loss can you handle and still stick with your plan and if you can somehow make up for the loss. Then, if you can psychologi ...

Here's how I'd set up a 50/50 in an IRA:

Equity allocation (equal parts):

Total Stock Market Index
Small Cap Value index
REIT Index
FTSE International index
FTSE International Small Cap ...

Since Vanguard already has a STAR fund, I plan to open a hedge fund called the DEATH STAR fund. It will invest the clients' money strictly in CDOs and CMOs which are guaranteed to blow up. Smile

Adr ...

The AM radio financial shows and commercials have whipped many novice investors into a gold feeding frenzy. I'd hate to be on the receiving end when the gold bubble pops. Like the end of the real esta ...