Search found 837 matches

by Fat-Tailed Contagion
Fri Jul 15, 2016 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: I created dependency, now what?
Replies: 50
Views: 5323

Re: I created dependency, now what?

This is a tough one as you have enabled the family to become dependent on your welfare, like any welfare situation will do due to the way our brains are wired. They are addicted to the money and you are their dealer at this point. They have no incentive to make any changes. You could attend some Cod...
by Fat-Tailed Contagion
Fri Jul 15, 2016 7:39 pm
Forum: Investing - Theory, News & General
Topic: NEED HELP: Creating an Asset Class Valuation Model
Replies: 6
Views: 463

Re: NEED HELP: Creating an Asset Class Valuation Model

Bump to see if I can get some input. Looking to create a relative asset class valuation spreadsheet.

I am looking for ideas and data sources to use.

Thanks!
by Fat-Tailed Contagion
Mon Jul 11, 2016 12:29 pm
Forum: Investing - Theory, News & General
Topic: NEED HELP: Creating an Asset Class Valuation Model
Replies: 6
Views: 463

NEED HELP: Creating an Asset Class Valuation Model

Hi Bogleheads,

I have a desire to create an Asset Class Valuation Model spreadsheet.

I want to clearly see how various Asset Classes measure up to each other based upon valuations.

Can anyone give me some ideas on how to do this and where to pull the data from?

Thank you!

-FTC
by Fat-Tailed Contagion
Wed Jun 08, 2016 5:33 pm
Forum: Personal Consumer Issues
Topic: Best Smartphone to use on Cricket?
Replies: 9
Views: 596

Re: Best Smartphone to use on Cricket?

You could buy ATT GoPhone 5" Lumia 640 for $30 (saw it at local Target couple weeks ago for $15), or 5.5" ZTE Zmax 2 for $100 (was on sale for $50). Email ATT to have it unlocked, takes 2 business days to get the code. Then switch to Cricket and get a signing bonus for bringing over Sprin...
by Fat-Tailed Contagion
Wed Jun 08, 2016 12:39 pm
Forum: Personal Consumer Issues
Topic: Best Smartphone to use on Cricket?
Replies: 9
Views: 596

Re: Best Smartphone to use on Cricket?

If you are going to Windows Phone, then the $119 Lumia 650 would be a good option. Cricket sells the 650 right from their website, so everything will work right out of the box. No APN or other settings that you might have to mess with on an unlocked phone. Slightly smaller than the 640 XL but newer...
by Fat-Tailed Contagion
Wed Jun 08, 2016 11:54 am
Forum: Personal Consumer Issues
Topic: Best Smartphone to use on Cricket?
Replies: 9
Views: 596

Best Smartphone to use on Cricket?

Hi Guys, I looked at a Microsoft Lumia 640 XL (unlocked) for $199. Looks like a great phone. I want a larger screen for internet use. Any other ideas on great phones for internet and phone/text usage? Most likely will migrate to Cricket from Sprint. *Currently have a 2-year old iPhone 4s that is slo...
by Fat-Tailed Contagion
Sun May 08, 2016 10:02 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY BIRTHDAY, MR. BOGLE! May 8, 2016
Replies: 52
Views: 3554

Re: HAPPY BIRTHDAY, MR. BOGLE! May 8, 2016

Happy Birthday, St. Jack!

The intellect of a genius, the Spirit of a Warrior, and the Heart of a Saint.

God bless.
by Fat-Tailed Contagion
Mon May 02, 2016 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with VGPMX (Vanguard Precious Metals and Mining)?
Replies: 113
Views: 15790

Re: What to do with VGPMX (Vanguard Precious Metals and Mining)?

ratsnest74 wrote:How high can it go?


"Nobody knows nothin'"- St. Jack
by Fat-Tailed Contagion
Sat Apr 30, 2016 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Small Overpayment on Taxes?
Replies: 13
Views: 1098

Re: Small Overpayment on Taxes?

What about the CA State return?
by Fat-Tailed Contagion
Sat Apr 30, 2016 11:13 am
Forum: Investing - Theory, News & General
Topic: “Markets Have ‘Borrowed’ Returns from the Future”
Replies: 17
Views: 2764

Re: “Markets Have ‘Borrowed’ Returns from the Future”

That's probably accurate. To some extent that's the Fed's job, to smooth out the boom and bust cycle. The only problem is they create far more boom and bust cycles than they smooth out. According to this list , created, from 1785 to 1914 I count 31 recessions and from 1915 to the present I count 18...
by Fat-Tailed Contagion
Sat Apr 30, 2016 12:01 am
Forum: Personal Finance (Not Investing)
Topic: Small Overpayment on Taxes?
Replies: 13
Views: 1098

Re: Small Overpayment on Taxes?

FiveK wrote:
Fat-Tailed Contagion wrote:2. Amend it? How?
Form 1040X. From what you described it should be straightforward.

If you are paying, say, 25% federal and 8% CA then you will get $18 back. Up to you....


Is there a fee to file a Form 1040X ? Where do I get it ?
by Fat-Tailed Contagion
Fri Apr 29, 2016 10:11 pm
Forum: Investing - Theory, News & General
Topic: “Markets Have ‘Borrowed’ Returns from the Future”
Replies: 17
Views: 2764

Re: “Markets Have ‘Borrowed’ Returns from the Future”

That's probably accurate. To some extent that's the Fed's job, to smooth out the boom and bust cycle. The only problem is they create far more boom and bust cycles than they smooth out. I agree with the premise of this article. Expected returns are; 1. Cash = 0% 2. Bonds = 2% 3. Stocks = 4% (nominal)
by Fat-Tailed Contagion
Fri Apr 29, 2016 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Small Overpayment on Taxes?
Replies: 13
Views: 1098

Small Overpayment on Taxes?

Hi Bogleheads, I used H&R Block $9.95 + 14.95 (state e-file fee for CA) and was happy with it. I mistakenly added a $55 Interest Income payment that was from 2014 onto my 2015 taxes, causing a small overpayment of Federal and CA state taxes. What would you do? 1. Forget about it? 2. Amend it? Ho...
by Fat-Tailed Contagion
Tue Apr 26, 2016 9:09 pm
Forum: Personal Consumer Issues
Topic: Any books really change your outlook on life?
Replies: 205
Views: 30730

Re: Any books really change your outlook on life?

Anything by Thomas Sowell for the linear realm.
by Fat-Tailed Contagion
Wed Apr 20, 2016 10:59 am
Forum: Investing - Theory, News & General
Topic: If past performance doesn't indicate future performance, why buy stocks?
Replies: 43
Views: 4471

Re: If past performance doesn't indicate future performance, why buy stocks?

Investment capital is exposed to risk factors.

The higher the risk factor, the higher the expected return (over a long period of time).
by Fat-Tailed Contagion
Sun Apr 17, 2016 10:23 am
Forum: Investing - Theory, News & General
Topic: How the economic machine works
Replies: 13
Views: 1722

Re: How the economic machine works

Thomas Sowell is good. Milton & Rose Friedman "Free to Choose" also good, both worth reading should be required reading for members of congress, president, and every high school and college student. and parents. I am a little despondent about economic knowledge in this country, and th...
by Fat-Tailed Contagion
Sun Apr 17, 2016 12:18 am
Forum: Investing - Theory, News & General
Topic: How the economic machine works
Replies: 13
Views: 1722

Re: How the economic machine works

Really enjoyed Dalio's simple explanation of Short and Long Term Debt Cycles.

I have recently began to study economist Thomas Sowell and have found no one that can explain economic truths as well as he can.

Basic Economics - https://www.youtube.com/watch?v=bOMksnSaAJ4
by Fat-Tailed Contagion
Sat Apr 16, 2016 6:19 pm
Forum: Investing - Theory, News & General
Topic: "Bogle's Folly"
Replies: 28
Views: 4940

Re: "Bogle's Folly"

Thank God for Jack Bogle and generous, (relatively) free capital markets.
by Fat-Tailed Contagion
Sat Apr 16, 2016 9:55 am
Forum: Investing - Theory, News & General
Topic: If wall street is rigged and corrupt , why invest in it?
Replies: 64
Views: 5362

Re: If wall street is rigged and corrupt , why invest in it?

I researched the crash of 2008, and more about wall street and corruption. It appears that the crash in 2008 was all caused by corruption and dishonest large banks like Goldman Sachs and Citibank as well as the deceitful lenders Countrywide and First Century. If deceit and corruption caused the cra...
by Fat-Tailed Contagion
Sat Apr 16, 2016 12:53 am
Forum: Investing - Theory, News & General
Topic: If wall street is rigged and corrupt , why invest in it?
Replies: 64
Views: 5362

Re: If wall street is rigged and corrupt , why invest in it?

Thomas Sowell - The Housing Boom and Bust

https://www.youtube.com/watch?v=5GoAGuTIbVY

Basically, politicians created a perverse mortgage financing environment where lending standards were relaxed for the "do-gooder" intention of encouraging home ownership.
by Fat-Tailed Contagion
Wed Apr 13, 2016 12:38 pm
Forum: Personal Consumer Issues
Topic: Sport players Cards (Football, Baseball, Basketball), anyone collect?
Replies: 52
Views: 4037

Re: Sport players Cards (Football, Baseball, Basketball), anyone collect?

I sold the majority of my baseball (some other sports) last year for $1,000. Not sure what my cost basis was. I still have 5 older, rarer baseball cards and a few sets. In the 80's and 90's I would buy them as investments and even bulk duplicates as the manufacturers flooded the market with cards. L...
by Fat-Tailed Contagion
Wed Apr 13, 2016 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Home & Auto Insurance in Florida?
Replies: 1
Views: 300

Home & Auto Insurance in Florida?

Hi Bogleheads,

Can you please share any experience or advice on the best companies to buy Home & Auto Insurance from?

In Bradenton/Sarasota, FL area (not in a high-risk flood zone).

Thank you!

FTC
by Fat-Tailed Contagion
Mon Apr 11, 2016 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: Experience with Fidelity?
Replies: 51
Views: 4124

Experience with Fidelity?

Hi Bogleheads,

I would appreciate your experience with Fidelity.

We have an office close by and I am thinking of moving our Vanguard mutual funds over if its possible.

Accounts are taxable, IRAs, and Roth IRAs.

Thanks for any insight!

Fat-Tail
by Fat-Tailed Contagion
Sat Apr 09, 2016 12:12 pm
Forum: Personal Consumer Issues
Topic: I'm willing to pay them whatever they want!
Replies: 66
Views: 8130

Re: I'm willing to pay them whatever they want!

Fun topic - all discretionary; anything "essential" would be monopoly as was pointed out. For me, a lot has to do with food and services: FIOS - Monopoly here in my mind, as comcast and satellite providers clearly in second place without fiberoptic. Private Lessons for whole family (music...
by Fat-Tailed Contagion
Sat Apr 09, 2016 10:50 am
Forum: Personal Consumer Issues
Topic: I'm willing to pay them whatever they want!
Replies: 66
Views: 8130

Re: I'm willing to pay them whatever they want!

This question would only apply in a monopoly environment where there was no free competitive market forces available. Taxation could be one answer. Products and services where healthy competition is available would allow the consumer to switch to other alternatives if a company raised prices to gene...
by Fat-Tailed Contagion
Wed Apr 06, 2016 10:06 am
Forum: Forum Issues and Administration
Topic: Where is sscritic?
Replies: 17
Views: 2897

Re: Where is sscritic?

If it's true that he was banned from this forum, that is a terrible outcome for all of us.

This forum limits the posting of a lot of very valuable information for making informed investing decisions.

I'm not sure what has changed recently to cause this?
by Fat-Tailed Contagion
Sun Mar 27, 2016 11:36 pm
Forum: Investing - Theory, News & General
Topic: Anyone else feeling a correction brewing?
Replies: 60
Views: 6544

Anyone else feeling a correction brewing?

Hi Bogleheads,

Just a hunch, but stalling economic growth, negative rates in Europe and Japan, not much in monetary policy bullets left in the gun.

Relatively expensive asset classes across the board.

Are you:

1. Staying the course

2. Taking some defensive action

Thanks for sharing!

Fatty
by Fat-Tailed Contagion
Sat Mar 26, 2016 1:05 pm
Forum: Investing - Theory, News & General
Topic: Best Visual Graphic to Teach Power of Compounding?
Replies: 19
Views: 1925

Re: Best Visual Graphic to Teach Power of Compounding?

Fatty, are you interested in good illustrations of the consequences for investors of compounding or are you interested in giving someone an understanding of the concept? I think that is is two different things. What you expressed in your thread title is about consequences. Several of the responses ...
by Fat-Tailed Contagion
Fri Mar 25, 2016 9:45 pm
Forum: Investing - Theory, News & General
Topic: Best Visual Graphic to Teach Power of Compounding?
Replies: 19
Views: 1925

Best Visual Graphic to Teach Power of Compounding?

Anyone seen anything that really made this concept easily understood?

Thanks!

Fatty
by Fat-Tailed Contagion
Sat Mar 19, 2016 12:03 pm
Forum: Investing - Theory, News & General
Topic: Best Resource for studying Currency Exchange Rates
Replies: 5
Views: 576

Best Resource for studying Currency Exchange Rates

Hi Bogleheads,

Where can I learn more on currency exchange rates ?

I'd like a resource that includes graphs with changes over time.

Thanks!
by Fat-Tailed Contagion
Tue Mar 15, 2016 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Minimum Fed Tax Withholding ?
Replies: 4
Views: 674

Re: Minimum Fed Tax Withholding ?

To adjust your withholding on the Ohio STRS income, go here and click on the Federal Income Tax Withholding link or the Ohio Personal Income Tax Link. https://www.strsoh.org/forms/#section-2 Yes, there could be a penalty for withholding too little. See: http://www.forbes.com/sites/advisor/2012/06/2...
by Fat-Tailed Contagion
Mon Mar 14, 2016 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Minimum Fed Tax Withholding ?
Replies: 4
Views: 674

Minimum Fed Tax Withholding ?

Hi Bogeleheads, We are in a situation where our income is low for the next two years. Total Income = $45,000 for 2016 The majority of this income is a spousal Pension From OHIO STRS of $32,000. How can we minimize the Federal Tax withholding from this pension ? Is there a penalty for withholding too...
by Fat-Tailed Contagion
Thu Mar 10, 2016 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Best Mortgage for Marine's Family (Florida)
Replies: 12
Views: 945

Re: Best Mortgage for Marine's Family (Florida)

As a mortgage lender I can tell you that the VA loan is one of the MOST EXPENSIVE mortgage options out there due to the high "funding fees" that the VA charges. The interest rate is usually competitive, but the origination charges you'll pay for a VA loan are astronomical compared to a co...
by Fat-Tailed Contagion
Thu Mar 10, 2016 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Best Mortgage for Marine's Family (Florida)
Replies: 12
Views: 945

Re: Best Mortgage for Marine's Family (Florida)

Bumping one more time to see if I can get some info to help this military family.

Thank you!
by Fat-Tailed Contagion
Wed Mar 09, 2016 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Best Mortgage for Marine's Family (Florida)
Replies: 12
Views: 945

Re: Best Mortgage for Marine's Family (Florida)

Thanks for all of the replies.

What is the estimate for all-in costs for a Navy Fed or Pen Fed VA mortgage ?

Does the VA mortgage get a subsidized interest rate ?
by Fat-Tailed Contagion
Wed Mar 09, 2016 12:17 am
Forum: Personal Finance (Not Investing)
Topic: Best Mortgage for Marine's Family (Florida)
Replies: 12
Views: 945

Re: Best Mortgage for Marine's Family (Florida)

I also saw many friends stuck with houses they couldn't sell when they changed duty stations. That was around 2005 and things smell funny and similar in the housing market nowadays. Try and talk him into renting. If that doesn't work, the VA loan is tough to beat. I went through an online company t...
by Fat-Tailed Contagion
Tue Mar 08, 2016 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Best Mortgage for Marine's Family (Florida)
Replies: 12
Views: 945

Best Mortgage for Marine's Family (Florida)

Hi Bogleheads, My brother-in-law is an active marine moving with family to serve at McDill Air Force Base. It is his last 3-year term and then he can retire from military and pursue something else. We have told them that they need to own the house 7-10 years just to break even on it. They are kind o...
by Fat-Tailed Contagion
Tue Mar 08, 2016 12:41 am
Forum: Personal Consumer Issues
Topic: Delta lost my luggage...
Replies: 29
Views: 3360

Re: Delta lost my luggage...

Thanks for all the help, BH fellows.

Delta is sending a check for about 50% of value lost and gave me $250 flight credit voucher.

I am looking into using the AMEX credit card as secondary insurance to make up the loss, so we will see if that helps at all.

Much appreciated,

FTC
by Fat-Tailed Contagion
Mon Mar 07, 2016 11:51 pm
Forum: Investing - Theory, News & General
Topic: VG Precious Metals & Mining Fund up 21% this year. Why aren't other ETFs?
Replies: 48
Views: 1639

Re: VG Precious Metals & Mining Fund up 21% this year. Why aren't other ETFs?

Since its low in Jan. 19th 2016, VGPMX has risen more than 50% in less than 2 months even as the overall market has declined. Please check your data since the overall market is now UP more than 7% since Jan 19th and US small-cap value is UP about 14%. Even emerging markets small cap is up 15% since...
by Fat-Tailed Contagion
Mon Mar 07, 2016 10:51 pm
Forum: Investing - Theory, News & General
Topic: VG Precious Metals & Mining Fund up 21% this year. Why aren't other ETFs?
Replies: 48
Views: 1639

Re: VG Precious Metals & Mining Fund up 21% this year. Why aren't other ETFs?

Since its low in Jan. 19th 2016, VGPMX has risen more than 50% in less than 2 months even as the overall market has declined. I know of no advisor, fund manager, or market expert who suggested buying VGPMX in mid-January. Sentiment on precious metals equity hit new levels of pessimism among both pr...
by Fat-Tailed Contagion
Sat Mar 05, 2016 2:16 am
Forum: Investing - Help with Personal Investments
Topic: What to do with VGPMX (Vanguard Precious Metals and Mining)?
Replies: 113
Views: 15790

Re: What to do with VGPMX (Vanguard Precious Metals and Mining)?

Fat-Tailed Contagion wrote:
jdb wrote:This fund will be a good investment when moose fly. Get rid of it and stop stressing over investments.


Image


Because Moose began to fly :shock: :sharebeer
by Fat-Tailed Contagion
Thu Mar 03, 2016 10:24 pm
Forum: Investing - Theory, News & General
Topic: Just lost 4.08% on Forever stamps.
Replies: 63
Views: 7378

Re: Just lost 4.08% on Forever stamps.

Why would the U.S. Post Office reduce stamp price when they have been losing Billions regularly and "borrowing" money from the taxpayer ? That makes no sense. If you read the link in the original post, you will see that this was an agreement made with Congress two years ago and in fact th...
by Fat-Tailed Contagion
Thu Mar 03, 2016 10:20 pm
Forum: Investing - Theory, News & General
Topic: Just lost 4.08% on Forever stamps.
Replies: 63
Views: 7378

Re: Just lost 4.08% on Forever stamps.

Why would the U.S. Post Office reduce stamp price when they have been losing Billions regularly and "borrowing" money from the taxpayer ? That makes no sense. http://dailysignal.com/2015/11/16/u-s-postal-service-announces-5-billion-dollar-loss/ Just reported a $5 Billion loss and $46 Billi...
by Fat-Tailed Contagion
Thu Mar 03, 2016 3:43 pm
Forum: Investing - Theory, News & General
Topic: The Swedroe 5/25 rebalancing bands restated
Replies: 56
Views: 6145

Re: The Swedroe 5/25 rebalancing bands restated

Thanks Kevin, You are right people are probably anxious to rebalance or tinker more often, a human behavioral bias. An argument for 5/25 and less often rebalancing may be that it helps with the Momentum effect to let an asset class 'run' to the upside before selling to soon and letting it 'fall' bef...

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