Search found 284 matches

by DoWahDaddy
Thu Oct 27, 2016 6:31 pm
Forum: Personal Consumer Issues
Topic: How do you make your Martini?
Replies: 63
Views: 3404

Re: How do you make your Martini?

I believe Churchill's version of adding vermouth was to glance into the general direction of France. Bombay original for me. (Sapphire is glorified vodka in my book).
by DoWahDaddy
Wed Sep 28, 2016 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone feel like ripping this asset allocation to shreds?
Replies: 58
Views: 3304

Re: Anyone feel like ripping this asset allocation to shreds?

Assuming that (a) this is a long term portfolio, and (b) you aren't yet in retirement, the most glaring issue here is that you primary driver of growth (stocks) is too low to be effective. Really that's the whole shebang.
by DoWahDaddy
Wed Sep 21, 2016 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: Should fixed income percentage stay the same in current environment?
Replies: 26
Views: 2416

Re: Should fixed income percentage stay the same in current environment?

It is no accident that the worst yearly return of Total Bonds, ever, was -2.8%, in a year described as a "bond massacre". Numbers like -50% simply don't belong in a bond discussion. This is exactly what I'd like to see less of. The ten-year just dropped 10% a few years ago and another 10%...
by DoWahDaddy
Tue Sep 20, 2016 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: "Women and Investing" class offered by Employer
Replies: 84
Views: 6371

Re: "Women and Investing" class offered by Employer

When my wife and I were getting serious, we delved into each other's investment portfolios. We found that she had fewer holdings, less turnover over time which meant lower transaction costs, and better historical performance than this guy with a Finance MBA. I suppose the unique challenge that women...
by DoWahDaddy
Tue Sep 20, 2016 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: Should fixed income percentage stay the same in current environment?
Replies: 26
Views: 2416

Re: Should fixed income percentage stay the same in current environment?

A return to yields from that period may but would not necessarily coincide with a larger decline in stocks. And I would not assume that anyone asking about the inherent risks in low yielding bonds, and who experienced a price decline of that magnitude, would continue to hold or buy more bonds in ord...
by DoWahDaddy
Tue Sep 20, 2016 5:56 pm
Forum: Investing - Help with Personal Investments
Topic: Should fixed income percentage stay the same in current environment?
Replies: 26
Views: 2416

Re: Should fixed income percentage stay the same in current environment?

As much as I like this forum, I never liked the ever present view that bonds somehow are less risky than stocks in the event of a market dislocation. Consider that a "low cost, high quality" intermediate term bond fund yields about 2% while 20 some odd years ago the same fund would have yi...
by DoWahDaddy
Wed Sep 14, 2016 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: Money Market or Vanguard Short-Term Investment-Grade?
Replies: 7
Views: 1086

Re: Money Market or Vanguard Short-Term Investment-Grade?

It's entirely a risk reward tradeoff. In my mind it's more a question of when you think you may need the lion's share of the money and what your risk tolerance is for that money.
by DoWahDaddy
Thu Aug 25, 2016 9:43 pm
Forum: Personal Consumer Issues
Topic: Should I replace my Samsung Galaxy S4?
Replies: 43
Views: 2634

Re: Should I replace my Samsung Galaxy S4?

I just bought the galaxy S7 this past weekend. My iPhone 5S had unbearable touchscreen issues and needed replacement. I paid $200 with a 2 year contract. In NJ, Verizon is far and away the best service, so no brainer there. Great camera, extremely water resistant, and really great camera. :)
by DoWahDaddy
Fri Dec 11, 2015 10:26 pm
Forum: Investing - Help with Personal Investments
Topic: Fedility contra fund FCNTX lost 6% today???
Replies: 13
Views: 1414

Re: Fedility contra fund FCNTX lost 6% today???

distribution, as always. great year bill. keep it up!
by DoWahDaddy
Fri Mar 20, 2015 6:12 pm
Forum: Investing - Theory, News & General
Topic: "Assessing the Risk of Using Just One Fund Company.."
Replies: 18
Views: 3302

Re: "Assessing the Risk of Using Just One Fund Company.."

I'd just like to offer that there is no such thing as complete protection from fraud and there can be no truly accurate calculation of the effect from fraud. diversification is a major tenet of the bogleheads philosophy. let's not pretend that a fund family is precluded from that tenet. just the wif...
by DoWahDaddy
Fri Mar 20, 2015 7:08 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2089
Views: 511753

Re: What Movie Have You Recently Watched?

btw, he had a great two minute cameo in Up In The Air. nothing like being surprised by an actor's appearance who rains clout all over a flick. worth the price of admission.
by DoWahDaddy
Thu Mar 19, 2015 9:29 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2089
Views: 511753

Re: What Movie Have You Recently Watched?

Really enjoyed Whiplash as did my wife, and it is rare for us to enjoy the same movie. +1 that schillinger is a fantastic actor and I'm thrilled he's finally getting the recognition he deserves whatever his real name is. and my wife didn't like it one bit. fun fact. I started listening to jazz afte...
by DoWahDaddy
Wed Mar 18, 2015 5:55 pm
Forum: Personal Consumer Issues
Topic: A great shave at a great price
Replies: 53
Views: 9349

Re: A great shave at a great price

art of shaving badger brush and soap puck. I'm sure they are way overpriced but it was a convenience buy and I enjoy using this combo now. still using good old trac II razor and happy with it. Nivea post shave balm is the balm, the balm!
by DoWahDaddy
Sat Feb 21, 2015 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: What % of your gross income do you spend on mortgage/rent?
Replies: 155
Views: 13323

Re: What % of your gross income do you spend on mortgage/ren

25%. love my home and it's location, worth every point.
by DoWahDaddy
Wed Feb 18, 2015 6:34 pm
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 215
Views: 20652

Re: What is your favorite consumer product?

can't believe I'm the first one to vote for this

tuong ot Sriracha

there is no second place.
by DoWahDaddy
Thu Feb 05, 2015 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Allocation [using Fidelity Funds]
Replies: 6
Views: 1230

Re: Portfolio Allocation [using Fidelity Funds]

I noticed the previous poster left out a long term bond option that combines govts and corps. If it's not available in etf's I can confirm it is available as a fund at vanguard.
by DoWahDaddy
Sat Jan 10, 2015 7:42 pm
Forum: Personal Consumer Issues
Topic: Mice in the house
Replies: 86
Views: 7163

Re: Mice in the house

For mice, buy catchmaster glue boards. No risk of injury to pets or kids. They are effective, and clean up is easy. Be nice to your spouse, your kids, and your fellow man, and you'll gain entry at the pearly gates on the express line.
by DoWahDaddy
Wed Jan 07, 2015 10:05 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Customers, What Do You Hold at FIDO?
Replies: 43
Views: 5796

Re: Fidelity Customers, What Do You Hold at FIDO?

s&p 500, contrafund, global ex-us and international real estate. It does the job.
by DoWahDaddy
Sun Jan 04, 2015 11:19 pm
Forum: Investing - Help with Personal Investments
Topic: Do you keep all your eggs in one basket?
Replies: 35
Views: 5292

Re: Do you keep all your eggs in one basket?

There is clearly risk of having a substantial portion of your wealth at one fund family. The risks are numerous, however remote one may calculate the odds of adverse affect on one's portfolio to be. I find diversifying away from vanguard is easiest when using broad based index funds which tend to ha...
by DoWahDaddy
Tue Dec 09, 2014 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Have you ever been let go?
Replies: 74
Views: 7068

Re: Have you ever been let go?

Once in my 30s, and it took about six months to get another job. As a result, I maintain one year's worth of expenses in an emergency fund. I sleep well. Once it happened, I decided that looking for a job was going to be my full-time job. I had no illusions that it would be an easy road back, or tha...
by DoWahDaddy
Tue Sep 23, 2014 8:46 am
Forum: Personal Finance (Not Investing)
Topic: dropping COBRA
Replies: 5
Views: 488

dropping COBRA

Greetings all. I've had COBRA as a bridge between employers. I start the new employer's health plan on Oct 1st. The COBRA Sept payment is not due until Oct 7th. Does this mean if I don't need any health services throughout Sept that I can just not make the Sept payment by Oct 7th and COBRA is effect...
by DoWahDaddy
Sun May 18, 2014 5:31 pm
Forum: Forum Issues and Administration
Topic: Anyone know how to post iphone pictures?
Replies: 6
Views: 1293

Re: Anyone know how to post iphone pictures?

Thanks all for the responses!
by DoWahDaddy
Fri May 16, 2014 12:40 pm
Forum: Forum Issues and Administration
Topic: Anyone know how to post iphone pictures?
Replies: 6
Views: 1293

Anyone know how to post iphone pictures?

I have no further detail here. I think the subject covers it. I wanted to share a Vanguard story by way of photography. Maybe you can guess what it refers to without any further ado!
by DoWahDaddy
Mon Apr 21, 2014 5:10 pm
Forum: Investing - Theory, News & General
Topic: Hedge fund fees
Replies: 12
Views: 1283

Re: Hedge fund fees

I know that Hedge Funds preach that they can outperform in down markets. But from what I saw in 2008, they all failed miserably. I expect that will continue in the next panic because every panic is a "Black Swan Event" excuse. I don't care for hedge funds, though as mentioned by others, t...
by DoWahDaddy
Thu Apr 17, 2014 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Short-term Bond Index Fund
Replies: 14
Views: 3140

Re: Short-term Bond Index Fund

FWIW, I have the Short Term Bond Fund as a piece of my overall bond portfolio, because I don't like any one-size-fits-all total bond market funds.
by DoWahDaddy
Wed Mar 19, 2014 4:52 pm
Forum: Personal Consumer Issues
Topic: Best smartphone in 2014?
Replies: 38
Views: 3951

Re: Best smartphone in 2014?

I was between the iPhone 5s and the Moto x. Like you I wanted a great camera for those candid shots of the kiddies. And one that could figure out what my fat fingers were typing. I went iPhone because the iPhone is considered superior on both counts. I concur on that note. However be aware that the ...
by DoWahDaddy
Wed Mar 12, 2014 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: What's a reasonable composite expense ratio?
Replies: 62
Views: 4619

Re: What's a reasonable composite expense ratio?

40bps for all vanguard means you're likely in mostly actively managed funds. There would very likely be a way to make this all vanguard portfolio invested in basically the same stuff with a much lower expense ratio. But does it matter? Most likely not. I will say that my portfolio is mostly vanguard...
by DoWahDaddy
Fri Mar 07, 2014 7:39 pm
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 220
Views: 19363

Re: What video games are you currently playing?

Grt2bOutdoors wrote:Bogleheads.org - it's packed with fun-filled adventure with the potential for surprises along the way including the dreaded "Lock". :D


We true gamerz know the real game is getting in before the lock!
by DoWahDaddy
Fri Mar 07, 2014 7:36 pm
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 220
Views: 19363

Re: What video games are you currently playing?

I've been playing Super Mario Bros. with my 5 year old on the Wii lately. I've never really been into video games, but my kids have a few and I play with them. Unbelievable, my 4 yr old and i play mario bros, mariokart and super mario 2 on the nintendo ds, and nothing else ever! How do kids get int...
by DoWahDaddy
Fri Mar 07, 2014 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Tipping for take out
Replies: 74
Views: 9612

Re: Tipping for take out

This is interesting, and im glad its being discussed. Ive felt a little odd over my recent proclivity to tip for takeout Ive been tipping about 10% up to $5 for take out for dinner, from memory its been the chinese, indian, moroccan and italian places by me that are sit down places, but we just felt...
by DoWahDaddy
Tue Mar 04, 2014 3:21 pm
Forum: Investing - Theory, News & General
Topic: The President's New Budget Proposal
Replies: 17
Views: 1264

Re: The President's New Budget Proposal

If it does, it probably only affects the average IPS of this community by adding more to munis in your taxable since you may have less tax advantaged space to allocate taxable bonds to. However, if there is anything i'm missing that warrants comment as it relates to our portfolios, it should stay op...
by DoWahDaddy
Tue Mar 04, 2014 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Morningstar Premium Membership anyone?
Replies: 3
Views: 728

Re: Morningstar Premium Membership anyone?

Thanks for the replies. I don't think there would be much material benefit for me personally. And the lack of responses from the Bogleheads community I think speaks pretty loudly about that. : )

DWD
by DoWahDaddy
Sat Mar 01, 2014 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Morningstar Premium Membership anyone?
Replies: 3
Views: 728

Morningstar Premium Membership anyone?

Apparently 100k at t rowe price entitles you to premium morningstar membership. I currently use the free morningstar for portfolio tracking and basic x-ray. Anyone use premium at all and like the benefits? I tend to avoid signing up for "free" services as one day they will not be free and ...
by DoWahDaddy
Tue Feb 25, 2014 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: Best place to put children's money
Replies: 9
Views: 1166

Re: Best place to put children's money

I just got my 4 yr old monopoly junior. He loves it. Start small.
by DoWahDaddy
Tue Feb 11, 2014 3:01 pm
Forum: Investing - Theory, News & General
Topic: [MarketWatch: Scary 1929 market chart gains traction]
Replies: 43
Views: 5213

Re: the sky is about to fall!

According to the values on the chart, this predicts something like a 25% drop in the dow. So... uh... ok. Thanks.
by DoWahDaddy
Fri Feb 07, 2014 6:29 pm
Forum: Investing - Theory, News & General
Topic: Any Hungarian, Polish, Argentinian, Portuguese Bogleheads?
Replies: 15
Views: 1980

Re: Any Hungarian, Polish, Argentinian, Portuguese Boglehea

I don't know, but if there are, and they decide to gather for a day around the grill, can I come?

I am from one of those countries, and thus am eligible to post the aforementioned.
by DoWahDaddy
Fri Jan 24, 2014 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Careers you've enjoyed
Replies: 47
Views: 4345

Re: Careers you've enjoyed

abuss368 wrote:Certified Public Accountant


Please stay on topic.
by DoWahDaddy
Wed Jan 08, 2014 8:49 am
Forum: Investing - Theory, News & General
Topic: Net Worth Survey, 2014 Edition
Replies: 149
Views: 30169

Re: Net Worth Survey, 2014 Edition

Well that's depressing. I might as well just buy a smartphone and some fancy deodorant.
by DoWahDaddy
Mon Jan 06, 2014 2:44 pm
Forum: Personal Consumer Issues
Topic: How much a baby costs?
Replies: 86
Views: 6716

Re: How much a baby costs?

And 8 or 9 diapers a day sounds excessive to me. That's one every 2 to 3 hours. Diaper technology was much better than that 20 years ago. I've done 10 diaper changes in a day before, and just as often only 1 change. A baby's bowels know no schedule. Which is why I think when Sheldon and Amy finally...
by DoWahDaddy
Mon Jan 06, 2014 1:34 pm
Forum: Personal Consumer Issues
Topic: How much a baby costs?
Replies: 86
Views: 6716

Re: How much a baby costs?

A whole lot more emotional cost than financial. Comparatively, it's not even worth the time to budget dollars and cents.
by DoWahDaddy
Mon Jan 06, 2014 1:31 pm
Forum: Investing - Theory, News & General
Topic: Why Include Bonds in a Portfolio?
Replies: 74
Views: 5291

Re: Why Include Bonds in a Portfolio?

Good that you recognize a 90% drop is possible. Now you just need to understand that losing 90% of your $10,000 portfolio would *feel* a lot different than losing 90% of your $100,000 portfolio, and would *feel* a whole HECK of a lot different than losing 90% of your $1,000,000 portfolio. Part of se...
by DoWahDaddy
Tue Dec 31, 2013 9:36 am
Forum: Investing - Theory, News & General
Topic: Hedge fund titan to pocket $3B for 2013
Replies: 16
Views: 1519

Re: Hedge fund titan to pocket $3B for 2013

Just fyi, HFs are not permitted to disclose gross returns, unless also showing net returns in the same disclosure. So if you see one return, you can assume it's net. Or that they are playing with fire. The SEC doesn't mess around with performance disclosures. Also, while it's as pointless as discuss...
by DoWahDaddy
Tue Dec 31, 2013 9:26 am
Forum: Investing - Help with Personal Investments
Topic: What Was Your Best Portfolio move in 2013
Replies: 125
Views: 9339

Re: What Was Your Best Portfolio move in 2013

Using available funds after the end of each month to invest in the "underperformingest" asset. 11 times it was a bond fund. Here comes #12. No REITs or Emerging Markets in your portfolio? Ah, I will resubmit: Using available funds after the end of each month to invest in the underperformi...
by DoWahDaddy
Fri Dec 27, 2013 9:31 am
Forum: Investing - Help with Personal Investments
Topic: What Was Your Best Portfolio move in 2013
Replies: 125
Views: 9339

Re: What Was Your Best Portfolio move in 2013

Using available funds after the end of each month to invest in the "underperformingest" asset. 11 times it was a bond fund. Here comes #12.
by DoWahDaddy
Tue Dec 10, 2013 12:22 pm
Forum: Personal Consumer Issues
Topic: Where in New Jersey to buy home with NYC commute, children?
Replies: 66
Views: 8860

Re: Where in New Jersey to buy home with NYC commute, childr

Some fantastic responses here -- thanks so much and I will follow up more. A couple of quick notes: 1) My bigger concern on the commute is not just the time it takes me, but my job is fairly variable and it isn't always (or even often) feasible to leave at a set time and catch "my train."...
by DoWahDaddy
Mon Dec 09, 2013 2:11 pm
Forum: Personal Consumer Issues
Topic: Where in New Jersey to buy home with NYC commute, children?
Replies: 66
Views: 8860

Re: Where in New Jersey to buy home with NYC commute, childr

PS I commuted into NYC for 20+ years, and you might be surprised what you can tolerate/not tolerate about the commute. I found that standing on the platform in the heat, cold, wet, etc., was much more bothersome than the duration of the commute. The trains are very comfortable and it can actually b...
by DoWahDaddy
Mon Dec 09, 2013 2:04 pm
Forum: Personal Consumer Issues
Topic: Where in New Jersey to buy home with NYC commute, children?
Replies: 66
Views: 8860

Re: Where in New Jersey to buy home with NYC commute, childr

Funny that family is in Somerville and Waldwick as those are two points to consider in the two overall regions you should look at (Bergen County and the Union/Somerset county areas). Most of the public schools over those entire areas are very good. Most of the housing also is painfully expensive. So...
by DoWahDaddy
Fri Nov 15, 2013 5:09 pm
Forum: Investing - Theory, News & General
Topic: It's a stock picker's year
Replies: 20
Views: 2161

Re: It's a stock picker's year

Hmm.. if you think "stock picker's year" means "if you picked stocks, you won", then ok. But I don't think the phrase means what you think it means.
by DoWahDaddy
Thu Nov 14, 2013 7:20 pm
Forum: Investing - Theory, News & General
Topic: A great job for Rodney Dangerfield
Replies: 22
Views: 1811

Re: A great job for Rodney Dangerfield

I didnt much like the lead in... Even as a child he had issues, “When I was a kid I got no respect. The time I was kidnapped, and the kidnappers sent my parents a note they said, ‘We want five thousand dollars or you’ll see your kid again.’” Too far fetched and clunky. Much prefer the punch of the f...

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