Search found 787 matches

by Murray Boyd
Wed Apr 19, 2017 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: The great commodities debate
Replies: 38
Views: 6391

Re: The great commodities debate

bobcat2 wrote:
Murray Boyd wrote:I just looked up the long-term performance of PCRIX. Aha! That's hilarious.

Hi Murray,
A very warm welcome back. Please don't wait two years to make your next post. :D

Best,
BobK

Hi BobK! I don't have much to say any more that wouldn't get deleted by moderators, but I still lurk!
by Murray Boyd
Fri Apr 14, 2017 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: The great commodities debate
Replies: 38
Views: 6391

Re: The great commodities debate

I just looked up the long-term performance of PCRIX. Aha! That's hilarious.
by Murray Boyd
Fri Apr 14, 2017 1:06 am
Forum: Investing - Help with Personal Investments
Topic: The great commodities debate
Replies: 38
Views: 6391

Re: The great commodities debate

Heya gang, checking in eight years later. Are commodities back in fashion yet?
by Murray Boyd
Wed Mar 11, 2015 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: What are some common misconceptions found in this forum?
Replies: 209
Views: 22638

Re: What are some common misconceptions found in this forum?

That stock markets are for raising funds for investment.
by Murray Boyd
Sun Feb 01, 2015 12:54 am
Forum: Personal Consumer Issues
Topic: How much is a safe car worth?
Replies: 170
Views: 12813

Re: How much is a safe car worth?

Yes, cities are much safer than rural areas:

http://media.philly.com/documents/Myers ... +safer.pdf
by Murray Boyd
Mon Nov 24, 2014 7:49 pm
Forum: Personal Consumer Issues
Topic: Vegan Raw Food Diet
Replies: 33
Views: 5564

Re: Vegan Raw Food Diet

The primatologist Richard Wrangham (who happens to a vegetarian as well) wrote a book called, "Catching Fire: How Cooking Made Us Human." He makes the case that humans have evolved to eat cooked food. Basically, we have soft teeth and don't digest raw food very well. He says that it's very...
by Murray Boyd
Sun Nov 02, 2014 6:17 pm
Forum: Personal Consumer Issues
Topic: Anyone consider retiring to Vancouver, Washington?
Replies: 45
Views: 9316

Re: Anyone consider retiring to Vancouver, Washington?

I grew up near Vancouver, WA. It's the same suburb as anywhere else in America. It's a great place to live if you really love being in your car.
by Murray Boyd
Sun Oct 05, 2014 10:11 pm
Forum: Personal Consumer Issues
Topic: Advisable to buy a home for short term?
Replies: 10
Views: 1586

Re: Advisable to buy a home for short term?

If I had to do it over again I'd wait to buy until the kids were already in a school we liked. We bought in a neighborhood with good schools and now we're on the very edge of the border, and the kids won't start for a few years yet. Also, the best way to buy happiness is a short commute, preferably ...
by Murray Boyd
Fri Sep 26, 2014 7:20 pm
Forum: Personal Consumer Issues
Topic: Heating duct cleaning for an old house
Replies: 3
Views: 483

Heating duct cleaning for an old house

Anybody get their heating ducts cleaned out? Was it worth it? My house is 100+ years old and I'm sure there's a ton of dust and dirt in there, but the EPA doesn't exactly recommend it.

http://www.epa.gov/iaq/pubs/airduct.html
by Murray Boyd
Thu Apr 10, 2014 10:20 pm
Forum: Investing - Theory, News & General
Topic: Tax Managed International
Replies: 27
Views: 2429

Re: Tax Managed International

It always bugged me that Tax-Managed International excluded Canada, so there's that at least.
by Murray Boyd
Wed Apr 09, 2014 5:35 pm
Forum: Personal Consumer Issues
Topic: Seattle trip at end of May - Any tips?
Replies: 33
Views: 3330

Re: Seattle trip at end of May - Any tips?

Car2go is great, and really ideal for vacationers, just be extra careful not to sign out a car in a place that has rush hour parking restrictions (e.g., no parking 7-9 am). The basic idea is that the car might be sitting there for a day and a half after you're done with it, and it needs to be in a p...
by Murray Boyd
Thu Oct 24, 2013 5:03 pm
Forum: Personal Consumer Issues
Topic: .....
Replies: 11
Views: 2312

Re: f.lux for sleep/relaxation (freeware)

I use f.lux on my laptop. I think it's great. Before I started using it I'd often stay up way too late, but now I almost never do.
by Murray Boyd
Sat Oct 19, 2013 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: Will Vanguard kill the remaining Tax Managed funds?
Replies: 8
Views: 2561

Re: Will Vanguard kill the remaining Tax Managed funds?

If they closed TM Capital Appreciation I'd hope they would merge it with Total Stock Market.
by Murray Boyd
Fri Oct 18, 2013 5:28 pm
Forum: Personal Consumer Issues
Topic: Good operating system for my parents
Replies: 68
Views: 4295

Re: Good operating system for my parents

I've been really impressed by how well old folks can use iPads.
by Murray Boyd
Wed Oct 16, 2013 5:52 pm
Forum: Investing - Theory, News & General
Topic: So much for "Tax Managed" funds
Replies: 4
Views: 878

Re: So much for "Tax Managed" funds

I don't think it'll make much difference either way, and the ETF complement might help with capital gains (like Wagnerjb said). TM International is my biggest single investment and it doesn't bother me. I just wish they'd include Canada in it.
by Murray Boyd
Mon Oct 14, 2013 6:42 pm
Forum: Personal Consumer Issues
Topic: Vacuum Cleaner Question
Replies: 11
Views: 1565

Re: Vacuum Cleaner Question

Another vote for Miele. They're reliable, powerful, well-designed, and very quiet. I'd rather have a german-engineered luxury vacuum than a german-engineered luxury car. The only bad thing is they have a million models to choose from.
by Murray Boyd
Thu Oct 10, 2013 12:05 pm
Forum: Personal Consumer Issues
Topic: Programming Linux
Replies: 23
Views: 2120

Re: Programming Linux

I'll pitch in a suggestion: Ruby on Rails. This is what our software dev shop uses around here, for web-based applications. Rails's learning curve is WAY too steep. It's for experienced programmers. It's what I use and I love it, but it's not for kids. The beauty of rails is how it ties everything ...
by Murray Boyd
Thu Aug 29, 2013 10:19 pm
Forum: Investing - Theory, News & General
Topic: "15-Year Fixed Mortgage is Usually Preferable to 30"
Replies: 45
Views: 6331

Re: "15-Year Fixed Mortgage is Usually Preferable to 30"

The author updated the post. I can't remember the old post well enough to tell the difference though!

http://richardhserlin.blogspot.com/2013 ... le-to.html
by Murray Boyd
Fri Aug 23, 2013 9:16 pm
Forum: Investing - Theory, News & General
Topic: "15-Year Fixed Mortgage is Usually Preferable to 30"
Replies: 45
Views: 6331

"15-Year Fixed Mortgage is Usually Preferable to 30"

Just throwing this one out there: http://richardhserlin.blogspot.com/2013/08/15-year-fixed-is-usually-preferable-to.html My opinion on this is that usually 30 years is too long, at least for most college graduates with a decent income. And if it's a Wal-Mart worker couple, they should be very carefu...
by Murray Boyd
Thu Aug 22, 2013 6:21 pm
Forum: Personal Consumer Issues
Topic: Why aren't Car dealers prepared to deal?
Replies: 91
Views: 11038

Re: Why aren't Car dealers prepared to deal?

You should email around 6 (maybe more) dealers in your vicinity with your exact specs and tell them you are motivated to buy in the next several days. Stress in the email that you need their lowest out the door price and you will be going with the dealer that will give you the lowest price. Tell th...
by Murray Boyd
Thu Aug 22, 2013 5:41 pm
Forum: Personal Consumer Issues
Topic: Drying clothes in the sun - worth the hassle?
Replies: 86
Views: 8395

Re: Drying clothes in the sun - worth the hassle?

It's great for getting out berry stains.
by Murray Boyd
Thu Aug 01, 2013 4:49 pm
Forum: Investing - Theory, News & General
Topic: FT: The real underpinning for equities
Replies: 1
Views: 410

FT: The real underpinning for equities

Gavyn Davies in the Financial Times : A common concern among investors is that the profit share in the US economy is currently abnormally high, which is one reason why US equities have performed so well since 2009. It is frequently argued that the profit share must eventually “mean revert”, and whe...
by Murray Boyd
Sat Jul 13, 2013 4:45 pm
Forum: Investing - Theory, News & General
Topic: Larry Kotlikoff
Replies: 17
Views: 2493

Re: Larry Kotlikoff

Crystal Ball wrote: The program is in Access and had a lot of rough edges in the early days, but works more smoothly now.


It's in Access?! Really?!
by Murray Boyd
Fri Jul 12, 2013 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: Need moral support--transfer from Edward Jones
Replies: 15
Views: 2512

Re: Need moral support--transfer from Edward Jones

My holdings include innumerable American funds and some unit trusts. My plan was to sell everything at Edward Jones, transfer the money and start anew with Vanguard funds (3 fund portfolio); I decided I could handle the capital gains tax. Do not do this! Edward Jones will murder you on fees. Transf...
by Murray Boyd
Fri Jul 12, 2013 4:38 pm
Forum: Investing - Theory, News & General
Topic: Larry Kotlikoff
Replies: 17
Views: 2493

Re: Larry Kotlikoff

We gave the software a try, and it was pretty nice (this was an early version). HOWEVER... it didn't/couldn't take into account what is for us (and I assume for more people than realize it) a very, very important factor in "consumption smoothing", at least in retirement - and for those no...
by Murray Boyd
Thu Jul 11, 2013 9:57 pm
Forum: Investing - Theory, News & General
Topic: Larry Kotlikoff
Replies: 17
Views: 2493

Re: Larry Kotlikoff

Why does consumption smoothing require extensive software? I do it now...I budget a certain amount of dollars to spend each year. Some of that goes into what I call "future liabilities" and is invested in short to intermediate term fixed income that I consider as "already spent"...
by Murray Boyd
Mon Jul 08, 2013 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Death Book
Replies: 34
Views: 12408

Re: Death Book

This was in the NYT a while ago:

http://getyourshittogether.org/
by Murray Boyd
Thu Jun 13, 2013 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Geico Mechanical Breakdown Insurance
Replies: 2
Views: 493

Re: Geico Mechanical Breakdown Insurance

To extend the warranty on the VW I'm buying from 3 years to 6 years is $1,400, and I am trying to compare that to Geico's coverage.
by Murray Boyd
Thu Jun 13, 2013 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Geico Mechanical Breakdown Insurance
Replies: 2
Views: 493

Geico Mechanical Breakdown Insurance

Does anybody use Geico's Mechanical Breakdown Insurance? What do you think?
by Murray Boyd
Sat Jun 08, 2013 10:39 am
Forum: Personal Consumer Issues
Topic: Used Hondas & Toyotas
Replies: 41
Views: 4737

Re: Used Hondas & Toyotas

I keep hearing from people (in the Seattle area at least) used quality cars are so expensive you're better off buying new.
by Murray Boyd
Thu Jun 06, 2013 11:43 pm
Forum: Personal Consumer Issues
Topic: Premium Products That Are Worth It To You
Replies: 361
Views: 51884

Re: Premium Products That Are Worth It To You

Miele vacuum. I'd rather have a luxury vac than a luxury car.
by Murray Boyd
Tue Apr 16, 2013 3:43 pm
Forum: Investing - Theory, News & General
Topic: Reinhart and Rogoff busted
Replies: 8
Views: 1502

Reinhart and Rogoff busted

Big problems with Reinhart and Rogoff.

Mike Konczal's summary:

http://www.nextnewdeal.net/rortybomb/re ... s-problems

Original academic paper (pdf):

http://www.peri.umass.edu/fileadmin/pdf ... /WP322.pdf
by Murray Boyd
Tue Apr 02, 2013 11:18 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard 529
Replies: 6
Views: 740

Vanguard 529

Does the Vanguard 529 show up on the regular accounts page, or do you have to log into upromise or whatever to see it? I like having everything in one place.
by Murray Boyd
Mon Jan 21, 2013 9:05 pm
Forum: Personal Consumer Issues
Topic: Low VOC cabinet paints
Replies: 6
Views: 740

Re: Low VOC cabinet paints

Thanks for all the replies. I think I'm going to go with the Benjamin Moore Advance and hope for the best.
by Murray Boyd
Sun Jan 20, 2013 5:54 pm
Forum: Personal Consumer Issues
Topic: Low VOC cabinet paints
Replies: 6
Views: 740

Low VOC cabinet paints

I have a some built-in bookshelves that I'd like to paint white. Does anyone have any experience with durable low VOC cabinet paints? Thanks.
by Murray Boyd
Thu Dec 13, 2012 6:08 pm
Forum: Personal Consumer Issues
Topic: Decent guitar for a beginner
Replies: 48
Views: 3655

Re: Decent guitar for a beginner

Another vote for the ukulele. I've played guitar forever but since we had a baby my wife and I only play ukes anymore. You can hold a baby and play at the same time. We have a standard and a tenor. They're both fun. Just don't get a toy ukulele. Get one that will stay in tune.
by Murray Boyd
Mon Dec 03, 2012 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: Tax-exempt fund duration for the all taxable portfolio
Replies: 11
Views: 722

Tax-exempt fund duration for the all taxable portfolio

If I remember correctly the conventional wisdom for tax-exempt bonds used to be 50% limited-term, 50% intermediate-term (assuming an all-taxable portfolio). Is that still the case?
by Murray Boyd
Mon Dec 03, 2012 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: Donating appreciated securities
Replies: 5
Views: 455

Donating appreciated securities

I just read the wiki entry on donating appreciated securities. How long is the usual turnaround time for that? Is it already too late this year to do it?
by Murray Boyd
Wed Nov 28, 2012 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: Not buying the dividend sanity check
Replies: 6
Views: 847

Re: Not buying the dividend sanity check

Yep, lump of money.

I was just checking in case there was something I didn't know about, like, "This year EM a big distribution because of mumble mumble mumble."
by Murray Boyd
Wed Nov 28, 2012 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: Not buying the dividend sanity check
Replies: 6
Views: 847

Not buying the dividend sanity check

It's time to rebalance and I've got to buy a few funds in my taxable account. To be safe I thought I'd check with the Bogleheads. Here's what I need to buy: TSM, Tax-Managed International, and Emerging Markets. It seems like they've all switched to quarterly dividends. Is it alright to buy now? Than...
by Murray Boyd
Mon Sep 17, 2012 10:27 pm
Forum: Investing - Help with Personal Investments
Topic: Tax-free portfolio
Replies: 3
Views: 820

Tax-free portfolio

I was talking to a friend about tax-efficiency, and we were trying to figure out how big a portfolio could be and still pay zero taxes, assuming no other income. For simplicity let's say it's 50% Vanguard Total Stock Mark Index and 50% Vanguard Intermediate-Term Tax-Exempt. The yield on the stock fu...
by Murray Boyd
Mon Mar 26, 2012 10:21 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is lobbying with Wall St against the Volcker rule
Replies: 3
Views: 1213

Vanguard is lobbying with Wall St against the Volcker rule

Bank Lobby’s Onslaught Shifts Debate on Volcker Rule Knowing that they were tainted by bailouts and vulnerable to charges they were trying to preserve excessive profits, the banks looked for other firms to help press the argument. That’s what made Robert Auwaerter such a valuable ally. Auwaerter, w...
by Murray Boyd
Wed Feb 01, 2012 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Advice for kids finding a suitable match
Replies: 111
Views: 7369

Re: Advice for kids finding a suitable match

You're trying to figure out how your kids can keep all their money and power when you should be worried about their happiness. Just give away the money and let them be normal.
by Murray Boyd
Fri Nov 25, 2011 12:05 pm
Forum: Investing - Theory, News & General
Topic: Pimco's Gross Acknowledges 'Mistake' On Treasurys Bet -FT
Replies: 54
Views: 7174

Looks like now he may have bet wrong on Germany:

http://mikenormaneconomics.blogspot.com ... again.html
by Murray Boyd
Fri Nov 25, 2011 11:48 am
Forum: Investing - Theory, News & General
Topic: What is the contribution of the financial sector?
Replies: 8
Views: 1045

Re: Wrong Question!

For the rest of the population, this money is "value subtracted" from the economy. I do not agree. The existence of the financial sector is overall a net positive to the rest of the population. If not for the financial sector, individuals and businesses would be unable to borrow money, ra...
by Murray Boyd
Sun Sep 05, 2010 5:51 pm
Forum: Personal Consumer Issues
Topic: What kind of bicycle to purchase?
Replies: 131
Views: 15914

Re: What kind of bicycle to purchase?

My doctor has recommended that I ride a bicycle for daily exercise. I am in my mid sixties, haven't ridden a bike for a number of years, and live in an area that is relatively flat ( and the roads are safe). I went to Target to look at bikes and realized there a number of different types; some moun...
by Murray Boyd
Sun Sep 05, 2010 5:10 pm
Forum: Investing - Theory, News & General
Topic: What is the best way to buy physical gold and silver?
Replies: 76
Views: 13887

chaz wrote:My wife says "just go to a jewelry store".


She beat me to it. At least you get the imputed rent from wearing it.

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