Search found 5290 matches

by bertilak
Mon Jun 26, 2017 9:40 am
Forum: Investing - Theory, News & General
Topic: International Stocks - New thoughts
Replies: 69
Views: 3481

Re: International Stocks - New thoughts

People talk about "currency risk" very smartly as if the U.S. dollar doesn't have a ton of risk. To me, currency risk is when investments are not denominated in the same currency as expenses. For example, my mortgage payments are in US Dollars. If the US Dollar looses value in comparison ...
by bertilak
Sun Jun 25, 2017 5:50 pm
Forum: Investing - Theory, News & General
Topic: International Stocks - New thoughts
Replies: 69
Views: 3481

Re: International Stocks - New thoughts

I think the point for me is that we never know if we are at the beginning, end or in the middle of a period of outperformance of one or the other. The very strong USD is driving a lot of the 2008-2017 difference - not fundamentally stronger company performance/expectations. My guess/belief is that ...
by bertilak
Sun Jun 25, 2017 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: Lump sum investing in stocks vs. DCA
Replies: 46
Views: 2398

Re: Lump sum investing in stocks vs. DCA

Different is the situation of the person with 100k of capital who wins a million. Would you buy 500k of stocks "in a single sitting" ? The 50/50 AA is still what I want, but I also want to avoid extreme market conditions with such an important fraction of my capital. Yes I would. You only...
by bertilak
Sun Jun 25, 2017 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Leave a good boss for career advancement?
Replies: 12
Views: 1113

Re: Leave a good boss for career advancement?

Careers outlast managers, or at least they should!
by bertilak
Sun Jun 25, 2017 11:24 am
Forum: Investing - Theory, News & General
Topic: International Stocks - New thoughts
Replies: 69
Views: 3481

Re: International Stocks - New thoughts

I have read on here that we should put 20% in international because Bogle recommended up to 20% and Vanguard and others recommended at least 20%. "Up to" and "at least" mean different things. I don't understand that logic. Think Venn diagram. http://i1251.photobucket.com/albums/...
by bertilak
Sun Jun 25, 2017 8:21 am
Forum: Investing - Theory, News & General
Topic: International Stocks - New thoughts
Replies: 69
Views: 3481

Re: International Stocks - New thoughts

While I truly understand broad diversification and not aiming to predict the future, I do get worried about investing in "unknown" markets seeking higher returns. I may just be happy enough with what the US gives me. Thoughts? I added international stocks after reading Bernstein's "D...
by bertilak
Sat Jun 24, 2017 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: Lump sum investing in stocks vs. DCA
Replies: 46
Views: 2398

Re: Lump sum investing in stocks vs. DCA

At the start of DCA most of your assets are risk free by definition. At its end, all of them are in a risky vehicle. How do you not see the difference in risk ? We all need to be on the same wavelength. Are we talking about adding to an existing portfolio with an AA that we can assume is acceptable...
by bertilak
Sat Jun 24, 2017 6:08 am
Forum: Investing - Help with Personal Investments
Topic: VTSAX dividend error?
Replies: 21
Views: 1883

Re: VTSAX dividend error?

I too see the wrong reinvestment price on the web page, but the data downloaded to Quicken is correct. I don't think we need to worry about bad data messing up things like cost basis. I suppose it's possible, but only in the sense that anything is possible.
by bertilak
Fri Jun 23, 2017 10:08 pm
Forum: Investing - Help with Personal Investments
Topic: Lump sum investing in stocks vs. DCA
Replies: 46
Views: 2398

Re: Lump sum investing in stocks vs. DCA

Maybe there are times when investing a LS is a bad idea because the market is in a bubble. But, if there are such times, then not selling to get a LS is equally bad. And one would need to know when one was in that one of those unfavorable times. If one has that knowledge there are better ways to ta...
by bertilak
Fri Jun 23, 2017 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Got rear-ended: any reason not to go through my ins?
Replies: 25
Views: 1913

Re: Got rear-ended: any reason not to go through my ins?

I have been in several (just short of "many?") accidents where I was not to blame. I ALWAYS notify my insurance agent. If the other party contests things your insurance will fight for you.
by bertilak
Fri Jun 23, 2017 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Lump sum investing in stocks vs. DCA
Replies: 46
Views: 2398

Re: Lump sum investing in stocks vs. DCA

Google Vanguard "Dollar-cost averaging Just Means Taking Risk Later". You would always want to take risks at the earliest than later unless you are going through a temproary rough patch. Hence mathematically and behaviourally lumpsum wins over DCA Interesting way of looking at it. If you ...
by bertilak
Fri Jun 23, 2017 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Lump sum investing in stocks vs. DCA
Replies: 46
Views: 2398

Re: Lump sum investing in stocks vs. DCA

Can someone remind me of the studies that showed investing a lump sum to be better than dollar cost averaging into the market? I forget if those studies selected market highs and lows to comment on of if they simply averaged the 2 practices over time. Thx. Google Vanguard "Dollar-cost averagin...
by bertilak
Wed Jun 21, 2017 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Is a Total Stock Market Index enough...
Replies: 22
Views: 2314

Re: Is a Total Stock Market Index enough...

Very helpful post, Nisiprius. I'm new to the Boglehead way to thinking. If I were in my 20s, I wouldn't give any of these concepts a second guess. But this is all predicated on a long time horizon. What if you have a shorter horizon - say 10 to 12 years to finish accumulating enough to retire on? I...
by bertilak
Mon Jun 19, 2017 11:07 am
Forum: Investing - Theory, News & General
Topic: Do Bonds have a place if basic expenses are covered by income streams?
Replies: 69
Views: 3450

Re: Do Bonds have a place if basic expenses are covered by income streams?

1. People who wish to leave a legacy may want that legacy to be certain. It is not necessarily true that they want the legacy to be the largest possible. 2. Reserve for contingencies should not be underestimated. Life is uncertain. When you can afford to hold a secure reserve there is good reason t...
by bertilak
Mon Jun 19, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: Which motorcyle?
Replies: 26
Views: 1210

Re: Which motorcyle?

Ex(?)-motorcycle rider here. Many years, lots of different bikes - from 125cc dirt bike to big BMWs, and a Harley. My advice in order of importance: ⋅ THINK HARD. Almost every bike owner I know has had at least one accident. I personally still have a tender knee from one (dirt bike!). Bike...
by bertilak
Fri Jun 16, 2017 6:55 pm
Forum: Investing - Theory, News & General
Topic: beginner investing advice, novice to semi-medium level
Replies: 7
Views: 484

Re: beginner investing advice, novice to semi-medium level

With a name like investor007 I think you should be in Bonds. :happy

I would classify buying a currency (Ethereum) as speculation, not investing. I believe investments should have earnings, even if those earnings are not returned as dividends.
by bertilak
Fri Jun 16, 2017 6:49 pm
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 97
Views: 8248

Re: Anyone else gotten totally bored with investing?

Seems like anyone responding to this SHOULD say "No, I'm not bored or how would I have even be here to reply?" :sharebeer
by bertilak
Fri Jun 16, 2017 10:41 am
Forum: Investing - Theory, News & General
Topic: If Vanguard recommends 100% stock then why do their TD funds only have 90% max?
Replies: 4
Views: 918

Re: If Vanguard recommends 100% stock then why do their TD funds only have 90% max?

My Guess... Target Date funds are intended for the general population. If MY personal answers landed me outside the general population I would start to question what it is about me that is so far out of the ordinary. The answer may be good, bad, or indifferent but I think the question deserves some ...
by bertilak
Wed Jun 14, 2017 10:22 pm
Forum: Personal Consumer Issues
Topic: Best Cheap Champagne
Replies: 60
Views: 3696

Re: Best Cheap Champagne

Nicolas wrote:Before our periodic trips to Costco I consult the independent Costco Wine Blog, which is quite good. Here's a search on that site for champagne available at Costco:
http://costcowineblog.com/?s=Champagne

Thanks for that link!
by bertilak
Wed Jun 14, 2017 5:25 pm
Forum: Personal Consumer Issues
Topic: Best Cheap Champagne
Replies: 60
Views: 3696

Re: Best Cheap Champagne

Costco has a Kirkland prosecco for $6.99 that's very drinkable. We prefer it over Freixenet. +1 on Costco. Pick your price range. Costco's selections will generally be among the best for whatever price they are charging. And yes, Costco's selections under their own Kirkland brand are very good when...
by bertilak
Tue Jun 13, 2017 9:04 am
Forum: Personal Consumer Issues
Topic: Got a parking ticket - what to do?
Replies: 44
Views: 3001

Re: Got a parking ticket - what to do?

I think you've again missed an important point. OP clearly stated that the time limit for the parking spot was three hours. OP originally paid for two hours and then re-upped for an additional one hour, all of which (at least to my knowledge) should be above-board. If OP's sequence of events is cor...
by bertilak
Tue Jun 13, 2017 8:24 am
Forum: Personal Consumer Issues
Topic: Got a parking ticket - what to do?
Replies: 44
Views: 3001

Re: Got a parking ticket - what to do?

Oops! Responded to a misread sentence, so deleted!
by bertilak
Tue Jun 13, 2017 5:54 am
Forum: Personal Consumer Issues
Topic: Got a parking ticket - what to do?
Replies: 44
Views: 3001

Re: Got a parking ticket - what to do?

Something similar happened to me. Got a dunning letter in the mail demanding payment for a parking ticket. It was at a place I have never parked. The make, model, color of the car were wrong but the plate number was correct -- that's how they could even find me. I called and explained. They said to ...
by bertilak
Tue Jun 13, 2017 5:00 am
Forum: Investing - Theory, News & General
Topic: Favorite Feature of Vanguard Website?
Replies: 64
Views: 4667

Re: Favorite Feature of Vanguard Website?

I like that the "Account overview" page has a different number for "Total assets" than the "Balances & Holdings" page even though they are the identical set of investments and if I use the "Portfolio Watch" page there is even a third number for the total ...
by bertilak
Mon Jun 12, 2017 6:53 pm
Forum: Personal Consumer Issues
Topic: Anyone enrolled in Part B of Medicare?
Replies: 25
Views: 1375

Re: Anyone enrolled in Part B of Medicare?

I strongly suspect that almost all of those eligible for Medicare enroll in BOTH Parts A and B. As do I. When I became eligible I felt I needed to study Medicare because there were so many options. I quickly realized that it would be crazy not to sign up for Part A. After all, I had been paying for...
by bertilak
Sun Jun 11, 2017 1:20 pm
Forum: Personal Consumer Issues
Topic: Best Way To Code A Text Parser
Replies: 27
Views: 1511

Re: Best Way To Code A Text Parser

Take a look at Perl. It was originally designed for just this kind of application. If you do decide to give Perl a chance, you need to decide up front whether to use Perl 5 or Perl 6. The last I used Perl there was no Perl 6 so I can't give you any guidance on that decision. (It's been long enough t...
by bertilak
Sat Jun 10, 2017 12:16 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2367
Views: 719453

Re: What Book Are You Currently Reading? Part VI

Three Men in a Boat (1889) by Jerome K. Jerome. I'm less than a quarter of the way into this but thought it worth commenting on. The book's structure is that of three friends (and a dog) preparing for and embarking on a trip up the Thames in a rowboat. It is told in fist person by one of the partic...
by bertilak
Fri Jun 09, 2017 9:36 am
Forum: Investing - Theory, News & General
Topic: payoff mortgage?
Replies: 12
Views: 1874

Re: payoff mortgage?

I have an investment dwelling in the Pocono Mountains of PA. This very large HOA community is made up of mostly vacation home owners from NY. This market has not rebounded as many others have. I bought it as a vacation home in 2007 @ $183,000 and thought (at the time) we were at or near the bottom....
by bertilak
Thu Jun 08, 2017 3:41 pm
Forum: Investing - Theory, News & General
Topic: Retirees: What are you doing about withdrawing?
Replies: 31
Views: 4127

Re: Retirees: What are you doing about withdrawing?

I only take it out as I need it. This is possible because I need it only rarely. Pension and SS have me covered for normal expenses and that stuff lands in my checking account automatically. When I need extra it is usually for an unplanned expense (new septic system, European trip to attend a weddin...
by bertilak
Thu Jun 08, 2017 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: If I open a new joint account at Vanguard, can both owners access it with their existing logins?
Replies: 9
Views: 728

Re: If I open a new joint account at Vanguard, can both owners access it with their existing logins?

DW and I have separate accounts and I can view them both. We had to authorize it, but I don't remember if it was online or required a physically signed form. In any case, it was painless. We could also see our son's accounts until he turned 21. Vanguard website allows an account holder to grant acc...
by bertilak
Tue Jun 06, 2017 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: What really happens in a bear market?
Replies: 37
Views: 4007

Re: What really happens in a bear market?

I am a new 37 year old investor and understand the strategy of waiting it out when the bear market hits. However I am not sure how much we can recover after a bear market? Suppose I'm invested in a 2045 retirement fund? In 2025 there is a bear run and my portfolio (let's say it is 65 stock-35 bonds...
by bertilak
Tue Jun 06, 2017 11:52 am
Forum: Investing - Help with Personal Investments
Topic: How to best move investments to VG?
Replies: 3
Views: 248

Re: How to best move investments to VG?

Years ago, I was 100% invested in Vanguard index funds. Then I took a job with one of Vanguard's very large competitors. Due to SEC rules, I had to move all of my investments to the company I worked for. I thought they'd just hold my VG index funds, but I was wrong. They had some computer algorithm...
by bertilak
Tue Jun 06, 2017 6:09 am
Forum: Personal Consumer Issues
Topic: Favorite Thriller Authors and Why
Replies: 54
Views: 5708

Re: Favorite Thriller Authors and Why

I'm a little more than half-way through my first Patricia Highsmith book (Talented Mr. Ripley). So far it's been very engaging, can't wait to pick it up again later this evening. I posted about the Mr. Ripley books last year. Here is a link to the third post. It contains inks back to the first two:...
by bertilak
Mon Jun 05, 2017 9:28 am
Forum: Personal Consumer Issues
Topic: Favorite Thriller Authors and Why
Replies: 54
Views: 5708

Re: Favorite Thriller Authors and Why

In the Detective/police procedural category is one of the very best: Day of the Jackal by Frederick Forsyth. It is SO good that it is thrilling, tense, and un-put-downable even though the final outcome has been well-known for over 50 years. P.S. If you want to see the movie instead of (or in additio...
by bertilak
Mon Jun 05, 2017 9:02 am
Forum: Investing - Help with Personal Investments
Topic: Going from cash to equities now?
Replies: 47
Views: 4277

Re: Going from cash to equities now?

Okay - this will be a "stupid" question but I don't get it.... Vanguard VSMGX 10 year growth 5/31/07 to 5/31/17 is 10'000 to 15,854 Price of share on 5/31/07 was 21.73 and on 5/31/17 was 25.83 This does not give the same ratio. Does the number of shares in a portfolio increase? Yes , if y...
by bertilak
Sun Jun 04, 2017 5:27 pm
Forum: Personal Consumer Issues
Topic: Favorite Biographies and Memoirs
Replies: 33
Views: 1738

Re: Favorite Biographies and Memoirs

Between Silk and Cyanide by Leo Marks. Leo Marks was in charge of the British Special Operations Executive (SOE) code department during WWII. This book is a memoir of his work for the SOE through those years. It is a fortunate conjunction of important, exciting and sometimes heartbreaking subject m...
by bertilak
Sun Jun 04, 2017 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Amex [Platinum card fee increasing to $550]
Replies: 9
Views: 1615

Re: Amex

I've been an Amex Card holder since 1986 and a Platinum member for probably the last 10 or so. I just received notification that the annual fee is increasing to $550. I travel often and appreciate the flexibility of the airline lounges and the overall service from Amex; however, the price is becomi...
by bertilak
Sun Jun 04, 2017 2:36 pm
Forum: Investing - Theory, News & General
Topic: Shiller: Stock market will rise 50 percent
Replies: 27
Views: 4091

Re: Shiller: Stock market will rise 50 percent

" It's tough to make predictions, especially about the future" attributed to Yogi Berra. Words to the wise. +1 But, as said by Criswell, in Plan Nine From Outer Space (1959), words to the curious! Greetings, my friend. We are all interested in the future, for that is where you and I are g...
by bertilak
Sun Jun 04, 2017 11:32 am
Forum: Investing - Theory, News & General
Topic: Shiller: Stock market will rise 50 percent
Replies: 27
Views: 4091

Re: Shiller: Stock market will rise 50 percent

I noticed he left himself a bit of an out by qualifying the prediction with "in a few years" :mrgreen: To me this is more noise. He didn't need an "out" because he wasn't making a prediction. He was saying that (over)reacting to fears of a sudden crash ignores the possibility th...
by bertilak
Sun Jun 04, 2017 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Calculator to rebalance assets across Taxable, Roth, Ira/401k
Replies: 10
Views: 687

Re: Calculator to rebalance assets across Taxable, Roth, Ira/401k

It doesn't exist. I don't even think the roboadvisors do this. And a real human being advisor might not even do it correctly. The issue is that there are many nearly equivalent solutions to the problem, so they are all equally good. That's why I don't even use a spreadsheet to do what you want to d...
by bertilak
Sun Jun 04, 2017 10:40 am
Forum: Investing - Theory, News & General
Topic: Everything keeps going up, this feels too easy?
Replies: 113
Views: 8613

Re: Everything keeps going up, this feels too easy?

https://www.joefahmy.com/blog. Interesting blog, but definitely for stock pickers and market timers. The most recent post Why Tesla’s Stock Is So Strong was, I thought, very interesting. I saw a show on TV (Impossible Engineering) all about TESLA. It made me realize that TESLA was here to stay desp...
by bertilak
Sat Jun 03, 2017 7:58 pm
Forum: Investing - Theory, News & General
Topic: Fixing Yahoo Finance Macro - HELP
Replies: 10
Views: 872

Re: Fixing Yahoo Finance Macro - HELP

All the add-ons and macros mentioned all over the internet simply boil down to the following URL: http://download.finance.yahoo.com/d/quotes?s=xxxxx where "xxxxx" comes from here: http://www.jarloo.com/yahoo_finance. The Yahoo URL given on that page is out of date. It needs to have "d...
by bertilak
Thu Jun 01, 2017 6:25 pm
Forum: Personal Consumer Issues
Topic: Is anyone missing their signed Bogle bobblehead?
Replies: 8
Views: 839

Re: Is anyone missing their signed Bogle bobblehead?

David Jay wrote:Seller's location is San Diego.

It would be more intriguing if it was from Malvern, PA!
by bertilak
Thu Jun 01, 2017 6:22 pm
Forum: Personal Consumer Issues
Topic: Is anyone missing their signed Bogle bobblehead?
Replies: 8
Views: 839

Re: Is anyone missing their signed Bogle bobblehead?

Wants a LOT of money but says nothing about the signature being authenticated.
by bertilak
Tue May 30, 2017 1:18 pm
Forum: Personal Consumer Issues
Topic: Updates on the status of Linux
Replies: 129
Views: 10780

Re: Updates on the status of Linux

Personally I also think Win 10 is a darn good OS but I do keep a version of Cygwin installed because I like the bash shell and a few of the utilities. This makes automating processes more convenient. I use Windows task scheduling to kick off Cygwin bash scripts. Cygwin became a lot less necessary w...
by bertilak
Tue May 30, 2017 11:38 am
Forum: Personal Consumer Issues
Topic: Updates on the status of Linux
Replies: 129
Views: 10780

Re: Updates on the status of Linux

Personally I also think Win 10 is a darn good OS but I do keep a version of Cygwin installed because I like the bash shell and a few of the utilities. This makes automating processes more convenient. I use Windows task scheduling to kick off Cygwin bash scripts. Cygwin became a lot less necessary w...
by bertilak
Tue May 30, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: Updates on the status of Linux
Replies: 129
Views: 10780

Re: Updates on the status of Linux

Am in a coworking space and right next to me is a guy who's running Linux on his laptop. Earlier today, he was having connectivity problems with the WiFi. He attributed them to Linux. Lots of people have WiFi problems with linux. The quick and easy workaround is ... That's one more reason I hesitat...
by bertilak
Tue May 30, 2017 11:19 am
Forum: Personal Consumer Issues
Topic: Updates on the status of Linux
Replies: 129
Views: 10780

Re: Updates on the status of Linux

:confused :confused :confused :confused Yeah, I can't remember when that was either. Reading the full sentence in context, it seems that the stability being referred to is that of the release cycle, not of the OS itself. And that part is true. Used to be new major version every 5 years or so, with ...
by bertilak
Tue May 30, 2017 10:54 am
Forum: Personal Consumer Issues
Topic: Updates on the status of Linux
Replies: 129
Views: 10780

Re: Updates on the status of Linux

It used to be that Windows was more stable than Linux ... :confused :confused :confused :confused Yeah, I can't remember when that was either. Reading the full sentence in context, it seems that the stability being referred to is that of the release cycle, not of the OS itself. And that part is tru...
by bertilak
Mon May 29, 2017 4:27 pm
Forum: Personal Consumer Issues
Topic: Updates on the status of Linux
Replies: 129
Views: 10780

Re: Updates on the status of Linux

It used to be that Windows was more stable than Linux ... :confused :confused :confused :confused Yeah, I can't remember when that was either. For nearly two decades I was a heavy user of both Linux and Windows. Windows reboots were common. "Blue Screen of Death" was a common phrase. Ever...

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