Search found 1182 matches

by Snowjob
Thu Sep 29, 2016 11:40 am
Forum: Investing - Help with Personal Investments
Topic: Anyone feel like ripping this asset allocation to shreds?
Replies: 43
Views: 1893

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

Thanks for all the great feedback. So much meat on the bone from you guys ... I'm super impressed with the minds paying attention to this forum. ---------UPDATED AA--------- PROCESS: Move cash into these allocations at rate of 30K/quarter, rebalancing by adding rather than selling. Do this for 8-10...
by Snowjob
Thu Sep 29, 2016 9:37 am
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 221
Views: 20906

Re: The Bogleheads' "100 Things Worth Every Penny" List

Living in California, instead of one of those cheap knock-off states people try to talk themselves into! There are only two types of people in this world. People who live in New York and those who wish they could live in New York. I agree. Ithaca NY is awesome. I thought Ithaca was gorge ous =P
by Snowjob
Thu Sep 29, 2016 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Early Retirement/Mobile Lifestyle
Replies: 18
Views: 1081

Re: Early Retirement/Mobile Lifestyle

Might I ask how old you are and what your interests are?

I think this is a very different question depending on that age and desired activities etc. I am in my early 30's and would not be looking at something remotely close to this for some time but its an interesting thought exercise.
by Snowjob
Thu Sep 29, 2016 8:02 am
Forum: Investing - Theory, News & General
Topic: Savings rate and sequence of returns risk
Replies: 8
Views: 616

Re: Savings rate and sequence of returns risk

He could be very well compensated and live a modest lifestyle. yes in this case your savings rate will protect you from any sequence risk. Not the asteroid extinction event, nuclear war or other such events but within the general accepted things we can plan for, yes your fine. If it was up to me I w...
by Snowjob
Wed Sep 28, 2016 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone feel like ripping this asset allocation to shreds?
Replies: 43
Views: 1893

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

I'm generally not a fan of allocations less than 10% cause they wont do much unless they are levered like options / futures. Id consolidate to less positions for starters. If you need to have the gold why not do 40% stock / 40% bond / 20% gold? -- seems simpler. Or to take it a step further if infla...
by Snowjob
Sat Sep 24, 2016 7:00 pm
Forum: Personal Consumer Issues
Topic: Anybody here make 70K or under
Replies: 30
Views: 5637

Re: Anybody here make 70K or under

Made under that for most of my life so far and I've managed to just fine -- need to make it a priority though.
by Snowjob
Tue Sep 20, 2016 6:39 am
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 221
Views: 20906

Re: The Bogleheads' "100 Things Worth Every Penny" List

taking notes: would appreciate brand suggestions on the lightweight backpacking gear and polarized sunglasses. Some things that I cant go without. Backpack - Osprey Exos 58, super light weight and comfortable. probably available at REI or any quality outdoor's store as Osprey is huge leader in the ...
by Snowjob
Tue Sep 20, 2016 6:24 am
Forum: Personal Finance (Not Investing)
Topic: How do you view money over and above your number?
Replies: 47
Views: 4368

Re: How do you view money over and above your number?

A contrarian view (to most that have been posted this far). I would try to enjoy some of it during my first ten years of retirement. Too many posts engage in hand-wringing about outliving retirement savings. Too few talk about taking advantage of the opening years of retirement--while one still has...
by Snowjob
Mon Sep 19, 2016 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: VDIGX surrogate [Vanguard Dividend Growth Fund]
Replies: 13
Views: 601

Re: VDIGX surrogate

With Wellesley the difference on the stock component I believe is they screen for higher yielding companies where VDIGX is looking for dividend growers and the yields are much smaller, I have not run a x-ray but I would guess there is not a monstrous amount of overlap. Yeah if you don't feel like po...
by Snowjob
Mon Sep 19, 2016 2:54 pm
Forum: Investing - Theory, News & General
Topic: The states we won't buy munis from, update
Replies: 50
Views: 5713

Re: The states we won't buy munis from, update

Thought enough people would be interested in this topic that didn't want it to get lost in the other thread, so thought would post it as separate piece. It's an update on what we buy given that the list has not only expanded but has been bifurcated. The following are the states we won't buy bonds f...
by Snowjob
Mon Sep 19, 2016 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: VDIGX surrogate [Vanguard Dividend Growth Fund]
Replies: 13
Views: 601

Re: VDIGX surrogate

Also, might I ask what your portfolio looks like now? Interesting to look back and see the decision process in 2011 when it appears you were convinced to pay off the mortgage -- Did you use cash or sell stock to do so? If you used cash did you start saving again to build up your fixed income or are ...
by Snowjob
Mon Sep 19, 2016 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: VDIGX surrogate [Vanguard Dividend Growth Fund]
Replies: 13
Views: 601

Re: VDIGX surrogate

I actually find the appeal of the VDIGX in that its actively managed, and not mechanical about picking dividend payers. So honestly I would say there is no good substitute in vanguard's fund lineup. That said, its not a critical component of a retirement portfolio as a total stock market fund would ...
by Snowjob
Mon Sep 19, 2016 2:33 pm
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 221
Views: 20906

Re: The Bogleheads' "100 Things Worth Every Penny" List

I'm sure there will a certain post about a quality watch here at some point...

Assume Bonfire is post 6 and 7

8.) light-weight backpacking gear. It will cost you but saving those ounces and space is worth every penny!
by Snowjob
Wed Sep 14, 2016 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: 24 year old new dividend portfolio
Replies: 151
Views: 7156

Re: 24 year old new dividend portfolio

I love dividends, but I don't recommended a myopic focus on dividend for ones portfolio -- your better off with the broad indices. Now I do run a portion of my portfolio from time to time as a collection of individual stocks bonds etc. In those instances, management's philosophy on the return of cap...
by Snowjob
Tue Sep 13, 2016 6:27 am
Forum: Investing - Help with Personal Investments
Topic: How much saved at 30 to be "done saving"
Replies: 35
Views: 6271

Re: How much saved at 30 to be "done saving"

Many excellent responses here. FWIW, the "stopping saving after age 30" part is not at all something I would plan on regardless. I love my work. The purpose of the question was more-so to get a concrete idea on savings goals, as up to this point I have mostly viewed it as a nebulous "...
by Snowjob
Mon Sep 12, 2016 1:16 pm
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 391
Views: 43293

Re: TIPS - Did you give up?

For me ideally, I would like to see a low cost index fund for inflation bonds that provided cash flow from dividends each month. How would they pass on the tax from the inflation adjustment that you would be required to pay in a taxable account tho? -- well not exactly passing on the tax but the ta...
by Snowjob
Mon Sep 12, 2016 1:03 pm
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 391
Views: 43293

Re: TIPS - Did you give up?

For me ideally, I would like to see a low cost index fund for inflation bonds that provided cash flow from dividends each month. How would they pass on the tax from the inflation adjustment that you would be required to pay in a taxable account tho? -- well not exactly passing on the tax but the ta...
by Snowjob
Mon Sep 12, 2016 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: How much saved at 30 to be "done saving"
Replies: 35
Views: 6271

Re: How much saved at 30 to be "done saving"

I hadn't looked at investing targets this way in a long while so I just ran some numbers for my own situation. I'm mid 30's and used a 2% growth, no pension and modest social security. I came up with roughly the following for multiples of expense for two scenarios, 1 where I stop working completely ...
by Snowjob
Fri Sep 09, 2016 2:23 pm
Forum: Investing - Theory, News & General
Topic: Wall St. Nuclear Meltdown
Replies: 62
Views: 8595

Re: Wall St. Nuclear Meltdown

A blip on the radar -- but with such a tight range over the last 40 trading days, it lets the writers jump onto something to fill the pages.
by Snowjob
Tue Sep 06, 2016 1:58 am
Forum: Investing - Theory, News & General
Topic: Anyone else experiencing number drift
Replies: 51
Views: 5933

Re: Anyone else experiencing number drift

After reading over and over again in threads this weekend how returns over the next 10 years will be somewhere between minuscule and negative. Apparently 2.5% is the new 4%. It has got me thinking I need to bump my original number by 78.57%. I was wondering if BH are experiencing number drift. Anyo...
by Snowjob
Mon Sep 05, 2016 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Stopped at the Crossroads
Replies: 21
Views: 3039

Re: Stopped at the Crossroads

Yeah as others have said your pretty good on the go forward and better than many today -- especially the pension angle. May I ask what type of return the promise? I've seen some pensions where the contribution is a pittance and the actual payout is enormous. if the 6k a year you are putting in is sl...
by Snowjob
Sat Aug 27, 2016 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: $50M+ - Need a sounding board/advice
Replies: 205
Views: 22009

Re: $50M+ - Need a sounding board/advice

50 million. I'd probably do something like this -- 20 Million in Vanguards Total World Stock index (VT is the etf version) to maintain global equity exposure and never have any capital gains. 20 Million in Municipal Bonds - Split it up between 3-4 reputable advisers & have them select the bonds ...
by Snowjob
Mon Aug 22, 2016 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Morningstar: "How Should Younger Investors Think About Social Security?"
Replies: 34
Views: 4274

Re: Morningstar: "How Should Younger Investors Think About Social Security?"

The only actionable element is what individuals can do. They can save more and plan for less from SS. How we save might also be actionable. As far as I know, the only current situation where the fed considers total net worth in means testing is for Medicaid (anybody, please correct me if I am wrong...
by Snowjob
Mon Aug 22, 2016 7:37 am
Forum: Investing - Theory, News & General
Topic: Shark Tank's Kevin O'Leary creates ETF
Replies: 17
Views: 3635

Re: Shark Tank's Kevin O'Leary creates ETF

When people don't like someone they attack the individual instead of the idea its silly... getting back to the point. This seems to be at first glance (haven't done much digging) to be a subset of S&P 500 companies screened for some quality metrics, capped for weighting and requires constituents...
by Snowjob
Fri Aug 12, 2016 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes -- Buying a car in Canada / live in US
Replies: 9
Views: 713

Re: Taxes -- Buying a car in Canada / live in US

Boooooooo one more of the 89023409234 reasons to leave this god forsaken state...
by Snowjob
Fri Aug 12, 2016 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes -- Buying a car in Canada / live in US
Replies: 9
Views: 713

Taxes -- Buying a car in Canada / live in US

Ok, If I live in CT and buy a car in NH (no sales tax) I would still need to pay the full CT taxes when I registered the car in CT. If I bought the car in Utah I would pay the Utah tax of 4.7% and then the difference from the CT rate (6.3%) to the state of CT. If I bought the Car in California which...
by Snowjob
Wed Aug 10, 2016 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Websites - CNBC & Fox Business
Replies: 13
Views: 1310

Re: Websites - CNBC & Fox Business

I enjoy watching CNBC -- I've watched it for years and have found it to be a great news & entertainment source. If you can rationally separate fact from opinion then its fine. If your going to be easily swayed every time someone can opine or talk their book of business than watching anything cou...
by Snowjob
Tue Aug 09, 2016 12:28 pm
Forum: Investing - Theory, News & General
Topic: What if dividends were reinvested according to share of total dividends paid instead of market cap?
Replies: 6
Views: 643

Re: What if dividends were reinvested according to share of total dividends paid instead of market cap?

An index fund has to manage its investment portolio to track the index. I would not think that means reinvesting dividends according to the cap wt. Where did you hear they do that? What he is saying is that the distributions you receive purchase more shares so you are reinvesting those proceeds in ...
by Snowjob
Mon Aug 08, 2016 11:49 am
Forum: Investing - Theory, News & General
Topic: Two types of Value?
Replies: 8
Views: 595

Re: Two types of Value?

In active management there are many different value styles (I think Marty Whitfield wrote a book?). Are you thinking of Marty Whitman, the Third Avenue guy? He must be 90 by now. I'm curious how his non publicly traded accounts have fared. He got into a bit of trouble with over exposure to hong kon...
by Snowjob
Sun Aug 07, 2016 5:23 pm
Forum: Investing - Theory, News & General
Topic: et tu, Vanguard? Stock/Bond zig-zag myth
Replies: 58
Views: 4618

Re: et tu, Vanguard? Stock/Bond zig-zag myth

That's the part of the debate where longinvest and I stop communicating. I don't advocate replacing TBM with Intermediate Treasuries because as you note over the longer term the additional corporates in TBM will finally catch up and exceed the return from Treasures alone. What I suggest is to break...
by Snowjob
Sun Aug 07, 2016 4:13 pm
Forum: Investing - Theory, News & General
Topic: et tu, Vanguard? Stock/Bond zig-zag myth
Replies: 58
Views: 4618

Re: et tu, Vanguard? Stock/Bond zig-zag myth

RE- the side debate your having, As I understand it the immediate reaction to buy government bonds provides for better re balancing during the equity crash. After this initial divergence in performance the corporate bonds begin to close the gap as the the safety premium shrinks with stabilization. ...
by Snowjob
Sun Jul 17, 2016 9:53 am
Forum: Investing - Theory, News & General
Topic: Maintaining 3-10 yrs expenses in fixed income in retirement rather than set %
Replies: 107
Views: 8065

Re: Maintaining 3-10 yrs expenses in fixed income in retirement rather than set %

Personally, I see no reason to be afraid of moving 14% of the bond allocation into stocks that got 50% cheaper . If the investor is afraid that stocks could still drop another 50%, this means that he should have anticipated a possibility of stocks losing 75% of their value before the downturn and s...
by Snowjob
Fri Jul 15, 2016 9:18 am
Forum: Investing - Theory, News & General
Topic: I can't believe I am thinking this
Replies: 211
Views: 50632

Re: I can't believe I am thinking this

What a walk down memory lane. I remember reading this nearly a decade ago (wow its been that long????) Wow, I remember the 08-09 crash like it was yesterday. Time sure flies. This thread brought a smile to my face seeing the names of posters I haven't seen for years. The forum definitely helped me ...
by Snowjob
Mon Jul 11, 2016 2:29 pm
Forum: Investing - Theory, News & General
Topic: I can't believe I am thinking this
Replies: 211
Views: 50632

Re: I can't believe I am thinking this

What a walk down memory lane. I remember reading this nearly a decade ago (wow its been that long????)
by Snowjob
Mon Jul 11, 2016 1:30 pm
Forum: Investing - Theory, News & General
Topic: Maintaining 3-10 yrs expenses in fixed income in retirement rather than set %
Replies: 107
Views: 8065

Re: Maintaining 3-10 yrs expenses in fixed income in retirement rather than set %

I don't get it. Unless the portfolio is otherwise 100% stocks, why would a person have to sell stocks to withdraw money during a stock market decline. One would either sell bonds to withdraw money and buy stocks or just sell bonds to withdraw money. Is the contention here that putting this large am...
by Snowjob
Tue Jul 05, 2016 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Living off dividends/interest in retiremeht
Replies: 60
Views: 6765

Re: Living off dividends/interest in retiremeht

.... After accounting for SS and pensions, i have been withdrawing from my portfolio the equivalent of about 2.5% annually and do not expect that to increase in the future....? So if your worried about only covering about 2.2% in dividends and interest out of the 2.5% withdrawal rate and this reall...
by Snowjob
Tue Jul 05, 2016 8:43 am
Forum: Personal Consumer Issues
Topic: Sentra or Corolla?
Replies: 40
Views: 3121

Re: Sentra or Corolla?

Getting rid of my Nissan Sentra in a few months when I crack 300,000 miles. I bought it new in 2005 and it has been an absolute gem. Nothing but a cam shaft sensor and rust on the muffler/tailpipe has every gone wrong with the car. And I barely do anything to them, but an occasional very late oil ch...
by Snowjob
Sat Jul 02, 2016 9:47 am
Forum: Investing - Theory, News & General
Topic: The G.I. Joe Fallacy
Replies: 29
Views: 4928

Re: The G.I. Joe Fallacy

Child of the 80's got the reference -- actually my name is derived from a Gi Joe action figure I had as a little kid. Sure it was a cheesy tag line, but with in the context of their discussion (usually public safety related tip aimed at little kids) knowing something very well could be half the batt...
by Snowjob
Sun Jun 26, 2016 10:42 am
Forum: Investing - Theory, News & General
Topic: Return expectations for the next 10 years
Replies: 91
Views: 6262

Re: Return expectations for the next 10 years

0-2% real return for US equities unless the endpoint 10 years from now is during a panic sell off then obviously negative =)
by Snowjob
Sat Jun 11, 2016 8:56 am
Forum: Investing - Theory, News & General
Topic: Inevesting Mistakes or Regrets
Replies: 49
Views: 4777

Re: Inevesting Mistakes or Regrets

looking at individual securities you can monday morning quarterback a thousand moves that would have optimized your outcome. However there are two big ones that are on a more general basis. First, start earlier -- who wouldn't put that on the top of their list. Second, do thorough independent resear...
by Snowjob
Fri Jun 10, 2016 9:21 am
Forum: Personal Consumer Issues
Topic: Sonos Home Theater Surround Sound
Replies: 9
Views: 614

Re: Sonos Home Theater Surround Sound

I have a Sonos system, its simple to set up, easy to use and the quality is great for my ears. If you are an aficionado I'm sure there are much better products but I suspect that for 90% of people these will sound great. My only complaint -- and this is a big one -- is that it does NOT stream you tu...
by Snowjob
Wed Jun 08, 2016 8:11 pm
Forum: Investing - Theory, News & General
Topic: The Four Phases of Saving and Investing for Retirement by Michael Kitces
Replies: 6
Views: 1257

Re: The Four Phases of Saving and Investing for Retirement by Michael Kitces

Save, simplify, save and spend. 4 phases Sometimes I tend to think Kitces publishes just to ensure his name is on the Yahoo and Google trending list. Information overload can be too much, there is nothing new when it comes to saving or investing basics that can not be found on the wiki. Similar tho...
by Snowjob
Tue Jun 07, 2016 8:07 pm
Forum: Investing - Theory, News & General
Topic: What are your friends saying about you?
Replies: 127
Views: 11629

Re: What are your friends saying about you?

I've been told my style (dress) is distinctly "Hobo"

Given that they also know I'm fond of investing another quipped "____ probably has more money that god"

Well I'm not even close to the second and slowly but surely trying to work on the first :wink:
by Snowjob
Mon Jun 06, 2016 12:47 pm
Forum: Local Chapters and Bogleheads Community
Topic: D Day 72 years ago...
Replies: 48
Views: 3707

Re: D Day 72 years ago...

.... We had a completely inane and wrongheaded thesis that you could firebomb an enemy's cities into destroying their will to resist.. Clearly you are well versed in WWII history, certainly more than me. Using the above line of logic, are you suggesting that the A-Bomb's in Japan strengthened their...
by Snowjob
Mon Jun 06, 2016 6:10 am
Forum: Investing - Help with Personal Investments
Topic: Secular Stagnation - How to invest?
Replies: 22
Views: 2162

Re: Secular Stagnation - How to invest?

We are basing our financial decisions on the most recent history of investing (last 100-200 years) which is a small time frame relative to our planned life expediencies (I'm guess most of us use around 90 unless we have sever health issues). That is the same time period that took the world out of ag...
by Snowjob
Tue May 24, 2016 9:36 pm
Forum: Investing - Theory, News & General
Topic: Patience makes perfect
Replies: 7
Views: 1397

Re: Patience makes perfect

I have been a big fan of their philosophy and how they run their show for a long time. I think we can all learn from or appreciate this and not invest in the product -- as Taylor said its expensive.
by Snowjob
Tue May 24, 2016 5:48 am
Forum: Investing - Theory, News & General
Topic: Only 1/4 of stock held in taxable accounts
Replies: 13
Views: 1890

Re: Only 1/4 of stock held in taxable accounts

You need to remove the pensions, insurance co & foreign ownership percentages from the comparison. Looks more like 50/50 for the individual at large -- 50% taxable / 50% retirement/ira accounts. Of that the rich probably have a ton more in taxable and the middle and lower class probably have a l...
by Snowjob
Tue May 17, 2016 7:48 am
Forum: Investing - Theory, News & General
Topic: For those of you in the Accumulation Phase - How often do you check?
Replies: 62
Views: 5431

Re: For those of you in the Accumulation Phase - How often do you check?

daily during volatile periods, no rarely during the boring times now.

Once you have a plan in place and you tested it out, not a lot to do during most days
by Snowjob
Mon May 02, 2016 12:25 pm
Forum: Investing - Theory, News & General
Topic: Total World ETF Taxable
Replies: 9
Views: 1089

Re: Total World ETF Taxable

Been slowly adding to this and it will at one point be my only taxable holding. Yes, complete simplicity. If I want to over weight US a bit I can have that bias in my roth or 401k.
by Snowjob
Thu Apr 21, 2016 4:51 pm
Forum: Investing - Theory, News & General
Topic: Anyone Have a Near Retirement Strategy for Sequence of Return Risk?
Replies: 88
Views: 8775

Re: Anyone Have a Near Retirement Strategy for Sequence of Return Risk?

.... In your early 70s purchase a real longevity annuity, aka an inflation-indexed delayed life annuity, that kicks in payments at age 85. The real longevity annuity should be equal to the annual income you were getting from the TIPS ladder that ceased at age 85. In other words, the real income fro...

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