Search found 2962 matches

by CyberBob
Tue Feb 02, 2016 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you retire
Replies: 84
Views: 6410

Re: What age did you retire

42

I don't regret not doing it earlier -- which would have been hard to do anyway.

I also don't regret doing it so early, as the last ten years have been just fine without worrying about any of that work-related nonsense that always seemed to pop up.
by CyberBob
Fri Jan 22, 2016 4:21 pm
Forum: Investing - Theory, News & General
Topic: Why don't people like the higher level of real estate allocation in Swensen lazy portfolio?
Replies: 33
Views: 2677

Re: Why don't people like the higher level of real estate allocation in Swensen lazy portfolio?

Swenson doesn't actually have an allocation specifically to REIT's. He's got an allocation to alternative and real assets. But alternative assets like private equity, venture capital stuff, buyout firms, and illiquid real assets like oil and gas wells and timber land would work for that allocation. ...
by CyberBob
Sun Jan 17, 2016 2:54 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Global Balanced Index Fund
Replies: 10
Views: 1333

Re: Vanguard Global Balanced Index Fund

Maybe the OP wants a fund that is not a "fund of funds". That would open up the possibility of admiral shares and allow for foreign tax credit if held in a taxable account. The foreign tax credit rules changed a few years back. Funds of funds, such as Lifestrategy and Retirement funds, ca...
by CyberBob
Mon Jan 11, 2016 3:29 pm
Forum: Investing - Theory, News & General
Topic: Have Vanguard's active funds added value
Replies: 32
Views: 3875

Re: Have Vanguard's active funds added value

Along the same lines, Jack Bogle had an interesting quote about what seemed to be an outperforming Wellington fund: In Wellington Fund's case, in the last decade 97% of its return has been determined by the return of the index I put together for them in 1978. http://news.investors.com/investing-mutu...
by CyberBob
Wed Jan 06, 2016 12:27 pm
Forum: Personal Consumer Issues
Topic: receiver recommendations
Replies: 15
Views: 1123

Re: receiver recommendations

Check out the Stereophile magazine Recommended Components list. There are some pretty good deals in the C category (although some are integrated amps, rather than receivers).
by CyberBob
Tue Jan 05, 2016 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: Differences between "Total Bond" and "Global Bond" [Spain]
Replies: 4
Views: 415

Re: Differences between "Total Bond" and "Global Bond"

...My fault is not to know what are the differences between them... (and if you see my portfolio below, you'll see that it "stinks" to be using "Global bond" rather than "Total bond"...) PortfolioVisualizer lists their data sources for asset class returns here . Total ...
by CyberBob
Mon Jan 04, 2016 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing % of Three Fund Portfolio
Replies: 17
Views: 1416

Re: Choosing % of Three Fund Portfolio

Page 1 of Bill Bernstein's book If You Can : Would you believe me if I told you that there's an investment strategy that a seven-year-old could understand, will take you fifteen minutes of work per year, outperform 90 percent of finance professionals in the long run, and make you a millionaire over ...
by CyberBob
Mon Dec 28, 2015 12:30 pm
Forum: Personal Consumer Issues
Topic: How to send bulk e-mail
Replies: 12
Views: 1099

Re: How to send bulk e-mail

You have a problem on the other end too. Even if you could send to 110 people, the recipient email provider will probably see that as spam because of so many names and not let it through. My email provider rejects any email with more than 7 addresses.
by CyberBob
Mon Dec 28, 2015 10:36 am
Forum: Investing - Help with Personal Investments
Topic: John Bogle vs. John "Age In Bonds" Bogle
Replies: 29
Views: 1995

Re: John Bogle vs. John "Age In Bonds" Bogle

There is also Bogle's more general advice from his first book Bogle on Mutual Funds:

Image
by CyberBob
Mon Dec 07, 2015 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Net Worth -- Salary Ratio at age 30, 35, 40 if plan to retire at 55?
Replies: 17
Views: 3529

Re: Net Worth -- Salary Ratio at age 30, 35, 40 if plan to retire at 55?

The book The Millionaire Next Door has a formula: Multiply your age times your realized pretax annual household income from all sources except inheritances. Divide by ten. This, less any inherited wealth, is what your net worth should be. If your net worth equals the number from the above formula, y...
by CyberBob
Wed Nov 25, 2015 11:17 pm
Forum: Investing - Theory, News & General
Topic: Strictly Worse "Composite" Funds - Total World
Replies: 12
Views: 1704

Re: Strictly Worse "Composite" Funds - Total World

Interesting note: the latest semi-annual report for VT shows the expense ratio for the previous six months as having dropped from 0.17% to 0.14%.
by CyberBob
Wed Nov 25, 2015 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Do I have to keep all credit cards active?
Replies: 14
Views: 1498

Re: Do I have to keep all credit cards active?

Not using them should actually help, since it keeps your credit utilization low. Length and amount of credit is also important. Not using a card for a long time may eventually mean that the card is cancelled, causing a hit to both length and amount. It's often recommended that you use a card every s...
by CyberBob
Wed Nov 25, 2015 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: Pfizer investors-ALERT
Replies: 21
Views: 2617

Re: Pfizer investors-ALERT

texasdude17 wrote:Does this mean Pfizer will no longer be in the Total Stock Market US index fund??

According to the news I read, the merged company will be domiciled in Ireland. So it should be out of the US Index.

Maybe we should link this to the "why do I need international?" posts. :D
by CyberBob
Fri Nov 20, 2015 11:55 pm
Forum: Investing - Help with Personal Investments
Topic: Discouraged =( [Lost money in IRA target fund]
Replies: 66
Views: 6185

Re: Discouraged =( [Lost money in IRA target fund]

Dwickenh, who posted above, has a great signature block that seems appropriate here. Don't panic, because...

    "The market is the most efficient mechanism anywhere in the world for transferring wealth from impatient people to patient people.” — Warren Buffett
by CyberBob
Thu Nov 19, 2015 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: Cost of Vanguard VT ETF versus VTI+VEA+SCHE
Replies: 5
Views: 300

Re: Cost of Vanguard VT ETF versus VTI+VEA+SCHE

savykal wrote:...the cost of VT seems ot be high 0.17% per year...

Interesting note: the latest semi-annual report for VT shows the expense ratio for the previous six months as having dropped to 0.14%.
by CyberBob
Thu Nov 12, 2015 12:13 am
Forum: Investing - Theory, News & General
Topic: Nick Murray and bonds
Replies: 8
Views: 792

Re: Nick Murray and bonds

One thing I have never understood though, for someone who understands the markets and doesn't get spooked by (temporary) losses, why would you ever want bonds in your retirement portfolio until you were like 10 years away from retirement and especially in the current rate environment we are in? The...
by CyberBob
Wed Nov 11, 2015 6:10 pm
Forum: Investing - Theory, News & General
Topic: iShares cutting core ETF expenses, launching international bond ETF
Replies: 36
Views: 3427

Re: iShares cutting core ETF expenses, launching international bond ETF

Do you think Vanguard will get the scissors out, now that Schwab has cut expenses for its mysterious reasons? :) It looks like the Total Stock Index Fund expenses are indeed dropping. From the latest semi-annual report: For the six months ended June 30, 2015, the fund’s annualized expense ratios we...
by CyberBob
Thu Oct 29, 2015 10:26 pm
Forum: Investing - Help with Personal Investments
Topic: Why Swensen's lazy portfolio over others?
Replies: 25
Views: 2738

Re: Why Swensen's lazy portfolio over others?

Currently, the Yale endowment fund is holding just 5% in domestic equity and 6% in international equities. What does that say about the Swensen portfolio? I don't know, I own his book Unconventional Success, but when the cook is changing the secret sauce in such a substantial manner, I am wary abou...
by CyberBob
Mon Oct 19, 2015 2:40 pm
Forum: Personal Consumer Issues
Topic: Subaru Outback - air conditioning
Replies: 32
Views: 2184

Re: Subaru Outback - air conditioning

If you don't get the rear vents, I know several people who are using Noggles for backseat and rear cargo-area cooling and are happy (in Arizona/New Mexico summers).
http://www.nogglenation.com
by CyberBob
Wed Oct 14, 2015 8:17 pm
Forum: Investing - Theory, News & General
Topic: How/where have you learned the most?
Replies: 28
Views: 2476

Re: How/where have you learned the most?

Hit the library.
Dewey decimal sections:
-332 Financial economics
--332.6 Investment and investments
by CyberBob
Wed Oct 07, 2015 1:05 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation Returns by Year?
Replies: 9
Views: 755

Re: Asset Allocation Returns by Year?

PortfolioVisualizer.com is pretty nice for back testing too.
by CyberBob
Mon Oct 05, 2015 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: Index that Tracks Companies with no Dividends
Replies: 12
Views: 1005

Re: Index that Tracks Companies with no Dividends

How about Vanguard Tax-Managed Capital Appreciation Fund Admiral Shares (VTCLX)? It invests in the low-dividend stocks of the Russell 1000 index.
There is also Vanguard Tax-Managed Small-Cap Fund Admiral Shares (VTMSX).
by CyberBob
Fri Oct 02, 2015 1:27 pm
Forum: Investing - Theory, News & General
Topic: John Bogle 65/35 and/or 60/40
Replies: 17
Views: 2442

Re: John Bogle 65/35 and/or 60/40

And there is also his more general broad-strokes advice from his first book Bogle on Mutual Funds:

Image
by CyberBob
Wed Sep 30, 2015 9:31 am
Forum: Personal Consumer Issues
Topic: White list +CAPTCHA type solutions for land-lines?
Replies: 11
Views: 890

Re: White list +CAPTCHA type solutions for land-lines?

Does your phone company support Nomorobo?
by CyberBob
Sat Sep 26, 2015 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: AA for Early Retirement
Replies: 32
Views: 4370

Re: AA for Early Retirement

I retired 10 years ago at age 42. I did nothing to adjust my investment allocation because of my retirement age. I've always invested with my lifespan in mind and retirement age didn't seem like it should affect that. So essentially, I've got what most people might view as an aggressive portfolio fo...
by CyberBob
Wed Sep 23, 2015 4:52 pm
Forum: Personal Consumer Issues
Topic: dumb question: if i have a credit freezes going is there any reason to do annual credit report checking?
Replies: 32
Views: 2277

Re: dumb question: if i have a credit freezes going is there any reason to do annual credit report checking?

Yes, check. A freeze doesn't prevent mistakes. Several times I've found other peoples bad debts on my report, most recently an overdue hospital bill from another state. Not mine. The funny thing is that the other persons social security number wasn't even close to mine, so sloppy data entry maybe? W...
by CyberBob
Fri Sep 18, 2015 10:11 pm
Forum: Investing - Theory, News & General
Topic: Funny outcome using Simba back testing spreadsheet
Replies: 4
Views: 479

Re: Funny outcome using Simba back testing spreadsheet

The dates aren't the same with PortfolioVisualizer due to this note Note: The year range was automatically adjusted based on the available data (2002-2015) for the selected asset: Vanguard Mid-Cap Index Fund Admiral Shares (VIMAX) You can, however, run it farther back if you use the screen that uses...
by CyberBob
Fri Sep 18, 2015 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Money transfers to individuals
Replies: 12
Views: 832

Re: Money transfers to individuals

Many banks have free access to http://www.PopMoney.com which can send via text or email (Chase, Citibank, Bank of America, Wells Fargo, Ally, Suntrust, PNC, TD Bank, Fifth Third, Regions, Sunburst, US Bank, etc) I've used it many times in the past and it's quick and easy. But I generally used it bec...
by CyberBob
Tue Sep 15, 2015 9:05 am
Forum: Personal Consumer Issues
Topic: DNS Problem [can only access bogleheads]
Replies: 8
Views: 541

Re: DNS Problems?

If you think it is a DNS issue with your ISP, try another DNS:

OpenDNS
208.67.222.222
208.67.220.220

Google DNS
8.8.8.8
8.8.4.4
by CyberBob
Mon Sep 14, 2015 7:13 pm
Forum: Investing - Theory, News & General
Topic: The 3 Bucket Portfolio - for retirement
Replies: 24
Views: 2132

Re: The 3 Bucket Portfolio - for retirement

...if you subscribe to the idea of "spending one bucket" while you wait for the market to "recover," then you're effectively increasing the stock allocation of your portfolio during market downturns. The idea behind buckets isn't to increase riskiness, but to decrease risk due t...
by CyberBob
Sat Aug 29, 2015 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Anyone use a different target retirement year then when they will retire???
Replies: 18
Views: 1499

Re: Anyone use a different target retirement year then when they will retire???

I'd go for the date closest to age 65, whether you’re working or not. Your retirement age doesn't change your lifespan, so structure your portfolio to be age appropriate.
by CyberBob
Thu Aug 13, 2015 3:54 pm
Forum: Investing - Theory, News & General
Topic: Where can I find changes to the list of S&P 500 Components?
Replies: 4
Views: 470

Re: Where can I find changes to the list of S&P 500 Components?

S&P publishes index change announcements on their website us.spindices.com
Here's the latest from three days ago https://us.spindices.com/documents/inde ... nload=true
by CyberBob
Wed Aug 12, 2015 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Total World Stock Index
Replies: 54
Views: 6336

Re: Total World Stock Index

One more time Why Vanguard Founder Jack Bogle Doesn’t Like Investing in Foreign Markets http://time.com/money/3991717/vanguard-jack-bogle-investing-foreign-markets/?xid=yahoo_money From the article: he’s wary of Britain’s ‘unusual electoral process,’ Japan’s demographics, and France’s short workwee...
by CyberBob
Fri Jul 03, 2015 7:51 am
Forum: Personal Finance (Not Investing)
Topic: Should I take SS at 62 or 70?
Replies: 12
Views: 2200

Re: Should I take SS at 62 or 70?

Miriam2 wrote:CyberBob -
Do you have a link to Bill Bernstein's article or post?

http://www.bogleheads.org/forum/viewtop ... 1#p1456163
by CyberBob
Thu Jul 02, 2015 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Should I take SS at 62 or 70?
Replies: 12
Views: 2200

Re: Should I take SS at 62 or 70?

Financial guru Bill Bernstein had an interesting answer to the Social Security now/then question: There are two possible goals with SS: 1) buy the optimal amount of longevity insurance for a given input, or 2) optimize your total amount of SS benefits. Both are valid goals, but let's assume you want...
by CyberBob
Wed Jun 24, 2015 8:50 am
Forum: Investing - Help with Personal Investments
Topic: All Taxable, Very Early Retirement
Replies: 8
Views: 1769

Re: All Taxable, Very Early Retirement

Is anyone using all taxable who is planning on retiring very early like age 40? Also, would you use treasuries or munis for bond allocation. I understand all of the tax implications but treasuries are less risky in my opinion and offer safety during a crisis. Taxable account is starting to outgrow ...
by CyberBob
Tue Jun 16, 2015 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: 30+ year "set it and rebalance it" portfolio thoughts
Replies: 18
Views: 2175

Re: 30+ year "set it and rebalance it" portfolio thoughts

Morningstar recently had some articles on tax-efficient 'bucket' retirement portfolios, which should give you some good ideas on funds to use in a taxable account: Fidelity: http://news.morningstar.com/articlenet/article.aspx?id=699522 Vanguard: http://news.morningstar.com/articlenet/article.aspx?id...
by CyberBob
Mon Jun 15, 2015 7:12 am
Forum: Investing - Theory, News & General
Topic: Retirement 'Bucket' Portfolios for Vanguard Investors
Replies: 4
Views: 2057

Re: Retirement 'Bucket' Portfolios for Vanguard Investors

The Morningstar article on a Vanguard bucket portfolio for taxable accounts is now available too: http://news.morningstar.com/articlenet/article.aspx?id=700745&SR=Yahoo It's basically the same as the Fidelity article in the bond section, but uses some tax-managed funds in the stock part, rather ...
by CyberBob
Sat Jun 13, 2015 6:31 am
Forum: Investing - Theory, News & General
Topic: Intermediate Treasury Bond Fund
Replies: 16
Views: 2507

Re: Intermediate Treasury Bond Fund

David Swensen recommends using a barbell: ST and LT Treasury funds to match the Barclays overall Treasury duration. There's a great Swensenesque 'total treasury' fund available now too. iShares Core U.S. Treasury Bond ETF (GOVT), which covers all the treasury market from 1-30 year maturities. Durat...
by CyberBob
Thu Jun 11, 2015 3:50 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Target Funds
Replies: 32
Views: 4637

Re: Vanguard Target Funds

I am all about a set it and forget it method. However, do you think the 3 fund will out perform the TD fund? Also, I have all of my investments with Fidelity and I don't think their TD funds are as good as VG. Should I just transfer our IRA's to VG or stick it out with Fidelity? Fidelity actually h...
by CyberBob
Tue Jun 09, 2015 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: I need to be group shamed
Replies: 28
Views: 5416

Re: I need to be group shamed

You bought on a dip? No problem.
It's when you sell on a dip that you have a problem :D
by CyberBob
Mon Jun 08, 2015 11:40 am
Forum: Investing - Help with Personal Investments
Topic: Charles Ellis Asset Allocation Ranges
Replies: 17
Views: 1572

Re: Charles Ellis Asset Allocation Ranges

Hasn't Ellis also mentioned that he has a fat pension? If so, having that solid income floor would certainly allow one to be more aggressive. Not so much without the pension. Personally, I think the gold-standard is John Bogle's advice from his first book Bogle on Mutual Funds : http://i59.tinypic.c...
by CyberBob
Sun Jun 07, 2015 1:26 pm
Forum: Investing - Theory, News & General
Topic: Retirement 'Bucket' Portfolios for Vanguard Investors
Replies: 4
Views: 2057

Re: Retirement 'Bucket' Portfolios for Vanguard Investors

They have Fidelity bucket portfolios too. Tax-deferred: http://news.morningstar.com/articlenet/article.aspx?id=697260 Taxable: http://news.morningstar.com/articlenet/article.aspx?id=699522 Interestingly, the tax-efficient Fidelity portfolios consist of: - Fidelity Spartan Total Market Index Advantag...
by CyberBob
Sat Jun 06, 2015 2:30 pm
Forum: Investing - Theory, News & General
Topic: Paper: Two Determinants of Lifecycle Investment Success
Replies: 12
Views: 1772

Re: Paper: Two Determinants of Lifecycle Investment Success

...we recommend seeking TDFs which do not initially take on excessive equity risk, because a heavy loss might have lasting adverse effects on young workers’ attitudes toward investing... That sounds like Rick Ferri's 'Flight Path' . But there aren't any target-date funds that follow such a ramp-up/...
by CyberBob
Tue May 26, 2015 3:09 pm
Forum: Investing - Theory, News & General
Topic: Wellington & Wellesley
Replies: 60
Views: 9581

Re: Wellington & Wellesley

Why do we give a "free pass" to these two particular funds? It seems that even Jack Bogle isn't giving them a free pass. His quote from an April 2, 2014 Investor's Business Daily interview seems to let all the air out of Wellington's balloon: In Wellington Fund's case, in the last decade ...
by CyberBob
Fri May 22, 2015 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Basic Financial Advice for College Student with Inheritance
Replies: 22
Views: 2559

Re: Basic Financial Advice for College Student with Inherita

...Also here is a little booklet with a lot of good advice for new investors: http://www.etf.com/docs/IfYouCan.pdf ... If You Can , the best short investing book for millennials, is also available for free in Nook and Kindle formats, as well as PDF, from Bill Bernstein's website: http://efficientfr...
by CyberBob
Mon May 18, 2015 9:53 am
Forum: Investing - Theory, News & General
Topic: Target Allocations between equities and bonds - Is the reasoning sound?
Replies: 49
Views: 3915

Re: Target Allocations between equities and bonds - Is the reasoning sound?

Well Warren Buffett's recommended asset allocation - 90% S&P 500 tracker and 10% short-dated bonds - obviously follows the OP's logic .. and there aren't many better investors than him .. In that case the bonds achieve virtually nothing as far as cushioning downturns or providing diversificatio...
by CyberBob
Mon May 18, 2015 9:31 am
Forum: Personal Consumer Issues
Topic: 2 different Cree LED Daylight 60W equivelent bulb options
Replies: 26
Views: 2895

Re: 2 different Cree LED Daylight 60W equivelent bulb options

The 4flow is the newest generation of Cree bulbs. The improvements include no big heatsink, which makes it drastically lighter. New design eliminates LED tower, which eliminates dark spot at the top of the bulb - important in downward-facing bathroom vanity fixtures. It's made of unbreakable plastic...

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