Search found 85 matches

by boglesmkcents
Mon Jan 16, 2017 10:56 am
Forum: Personal Consumer Issues
Topic: Streaming TV for Elderly Parents
Replies: 31
Views: 2124

Re: Streaming TV for Elderly Parents

I can speak from personal experience as "we cut the cord" from cable on December 31 and it lasted two weeks. Personally, I can live with the antenna and Roku (and I actually enjoy the simplicity...we receive approx. 45 digital channels where I live with a simple $25 antenna), but there ar...
by boglesmkcents
Sun Jan 15, 2017 4:24 pm
Forum: Personal Consumer Issues
Topic: Streaming TV for Elderly Parents
Replies: 31
Views: 2124

Re: Streaming TV for Elderly Parents

Are you sure this is a good idea for your parents? Just because it is cheaper does not make it better. My mom is 85 and lives alone. TV is company for her. She doesn't understand streaming or having different types if input. What you are describing would be a diasaster. Carefully evaluate the entir...
by boglesmkcents
Sun Jan 15, 2017 4:20 pm
Forum: Personal Consumer Issues
Topic: Streaming TV for Elderly Parents
Replies: 31
Views: 2124

Re: Streaming TV for Elderly Parents

Just re-read your initial post. If they are getting cable (from Comcast) and dsl (from the phone company) separately they can probably get a cheaper one or two-year combination cable & internet service offer Comcast for much cheaper then they are currently paying for cable alone. The trick with...
by boglesmkcents
Sun Jan 15, 2017 4:17 pm
Forum: Personal Consumer Issues
Topic: Streaming TV for Elderly Parents
Replies: 31
Views: 2124

Re: Streaming TV for Elderly Parents

Thanks all! Tending to agree with all the input about not changing things unless we are confident things will also be simplified/improved. Although it did not come across in my postings, this is a design goal. After weighing all the input, I think we will likely upgrade their DSL to high speed cable...
by boglesmkcents
Sun Jan 15, 2017 2:59 pm
Forum: Personal Consumer Issues
Topic: Streaming TV for Elderly Parents
Replies: 31
Views: 2124

Re: Streaming TV for Elderly Parents

Thank you Dottie, Ken and 123 ... yes, all good points you are very sensitive to and correctly point out regarding the importance of keeping it simple...definitely something we are considering. Also good input regarding C-Span -- that is something they watch and may be a showstopper. Also good input...
by boglesmkcents
Sun Jan 15, 2017 1:36 pm
Forum: Personal Consumer Issues
Topic: Streaming TV for Elderly Parents
Replies: 31
Views: 2124

Re: Streaming TV for Elderly Parents

Thank you, mhalley! It looks like Roku + Playstation + SlingTV + Antenna is a good solution to get all of what they need. My main question, which you also mentioned, is whether they would need to use these each side-by-side, or if one of these boxes could somehow be a front end that provides a singl...
by boglesmkcents
Sun Jan 15, 2017 12:12 pm
Forum: Personal Consumer Issues
Topic: Streaming TV for Elderly Parents
Replies: 31
Views: 2124

Streaming TV for Elderly Parents

We are considering converting our parents to a streaming TV service. They currently have Comcast TV, landline phone, DSL. They primarily watch national and local news, The Weather Channel, C-Span, Turner Classic Movies, MLB.com (via mlb.tv), TNT, CNN, ESPN, ABC/NBC/CBS/TBS and a few others. We have ...
by boglesmkcents
Tue Jan 10, 2017 11:30 pm
Forum: Personal Consumer Issues
Topic: looking for a cloud backup service that works with mapped network drives
Replies: 11
Views: 767

Re: looking for a cloud backup service that works with mapped network drives

I am successfully using iDrive to back up a mapped network drive (among other things...PC, mobile phone, etc.)...very happy with the service.
by boglesmkcents
Mon Jan 02, 2017 12:15 pm
Forum: Investing - Theory, News & General
Topic: This is a good weekend to start tracking your net worth.
Replies: 69
Views: 5373

Re: This is a good weekend to start tracking your net worth.

I've been doing this since getting married and starting to seriously save and invest 30 years ago. Even though we have a ridiculous amount of tech and I deal with complex spreadsheets and software at work, I have used a calculator, pencil and tabular accounting-type sheets in a notebook in a consist...
by boglesmkcents
Fri Dec 30, 2016 2:52 pm
Forum: Investing - Theory, News & General
Topic: Are International Markets overdue for great gains?
Replies: 43
Views: 3473

Re: Are International Markets overdue for great gains?

After thinking about this a lot, doing a lot of back testing, reading several excellent books on asset allocation (by William Bernstein and Rick Ferri, for example), I settled several years ago on 2/3 domestic and 1/3 international, and feel I am reasonably well-covered based on what is likely to tr...
by boglesmkcents
Fri Dec 30, 2016 1:05 pm
Forum: Investing - Theory, News & General
Topic: What am I missing w/this back-tested asset allocation?
Replies: 72
Views: 5438

Re: What am I missing w/this back-tested asset allocation?

I have no idea why the large discrepancy between M* and Vanguard...puzzling and concerning...any guesses why the large delta? boglesmkcents: I seldom study what's in a fund beyond a general description. I figure the fund manager(s) knows a lot more than I do about what securities to buy and sell. T...
by boglesmkcents
Fri Dec 30, 2016 12:58 pm
Forum: Investing - Theory, News & General
Topic: What am I missing w/this back-tested asset allocation?
Replies: 72
Views: 5438

Re: What am I missing w/this back-tested asset allocation?

You are overturning your bonds. Long protects against deflation and short/TIPS protect against inflation. Just hold ITT and you accomplish the same thing you are doing with more simplicity. Also, drop the REITS. Not needed, SCV has a good slug of them already. This gets you to: 20% lcb 20% scv 10% ...
by boglesmkcents
Fri Dec 30, 2016 12:21 pm
Forum: Investing - Theory, News & General
Topic: What am I missing w/this back-tested asset allocation?
Replies: 72
Views: 5438

Re: What am I missing w/this back-tested asset allocation?

I believe only 12% of TBM is in treasures of >20 years, and 84% is bonds with maturities of <10 years, so TBM currently does not appear to carry a good dose of long term treasuries) boglesmkcents: Vanguard is not clear (to me) about the percentage of long-term treasuries in Total Bond Market. Can y...
by boglesmkcents
Fri Dec 30, 2016 2:58 am
Forum: Investing - Theory, News & General
Topic: Bond Allocation if you don't care about Volatility
Replies: 26
Views: 1464

Re: Bond Allocation if you don't care about Volatility

My kiddos are both in their early 20's, and I advise them to max out their Roth accounts (for example) and to put 100% of their assets in high volatility investments that have high risk premiums (small/value, emerging, etc.)...and I try to teach them that market declines are a gift that allows their...
by boglesmkcents
Fri Dec 30, 2016 1:13 am
Forum: Investing - Theory, News & General
Topic: What am I missing w/this back-tested asset allocation?
Replies: 72
Views: 5438

Re: What am I missing w/this back-tested asset allocation?

Part of what Taylor is pointing out is that you may be able to reduce the number of funds - a simplification of sorts - while not materially changing the portfolio's underlying assets. You can look at how much of your total bond market fund (say VBTLX) is in long term treasuries (and how it will lo...
by boglesmkcents
Thu Dec 29, 2016 6:50 pm
Forum: Investing - Theory, News & General
Topic: All your eggs in one basket vs. concern about being hacked?
Replies: 41
Views: 4139

Re: All your eggs in one basket vs. concern about being hacked?

I No doubt some readers gave up at the beginning. Others must think its overcomplicated. They're probably right, but the system is symmetrical; and easy for me, as a former systems person, to grasp as a whole. So, no, I'm not worried about Vanguard or another firm being hacked because I've built en...
by boglesmkcents
Thu Dec 29, 2016 12:57 pm
Forum: Investing - Theory, News & General
Topic: All your eggs in one basket vs. concern about being hacked?
Replies: 41
Views: 4139

Re: All your eggs in one basket vs. concern about being hacked?

We use two factor authentication with Vanguard for our logins, we have a very secure password that we only use with Vanguard, we receive email and cell phone notifications if anything changes in our accounts (including any transfers), we never check our accounts using public wifi, we do not receive ...
by boglesmkcents
Tue Dec 27, 2016 2:48 am
Forum: Investing - Theory, News & General
Topic: The clock says buy, but should I?
Replies: 29
Views: 3756

Re: The clock says buy, but should I?

I cannot tell you how many times in the last ~30 years of dollar cost averaging we have felt the same way, but we always held steady and kept plowing 15-20% of our income into retirement savings. Most of the time when I felt the market was poised to go up or go down, I was wrong! I am VERY thankful ...
by boglesmkcents
Tue Dec 27, 2016 2:11 am
Forum: Investing - Theory, News & General
Topic: What am I missing w/this back-tested asset allocation?
Replies: 72
Views: 5438

Re: What am I missing w/this back-tested asset allocation?

I would eliminate Long-Term Bond Fund and hold only diversified Total Bond Market Index Fund for these reasons: * Long-Term Bonds suffer the most when yields rise. * Total Bond Market already holds about 30% Long-Term Bonds * Simplicity -- One less fund (read link below) well i would replace the to...
by boglesmkcents
Mon Dec 26, 2016 2:58 pm
Forum: Investing - Theory, News & General
Topic: What am I missing w/this back-tested asset allocation?
Replies: 72
Views: 5438

Re: What am I missing w/this back-tested asset allocation?

Many thanks for all the tremendously valuable insights and suggestions posted to date in this thread. I have found it all to be very helpful and educational! Here is an update on my current target portfolio plans for 2017 and beyond, now that I am ready to shift from a 72/28 portfolio (currently at ...
by boglesmkcents
Mon Dec 19, 2016 12:35 am
Forum: Investing - Theory, News & General
Topic: What am I missing w/this back-tested asset allocation?
Replies: 72
Views: 5438

Re: What am I missing w/this back-tested asset allocation?

I am eager to understand if this particular mix I am considering is worth pursuing as a variant of a basic 3-5 fund portfolio for my particular investment objectives. boglesmkcents: We all wish we could see the future. Unlike most endeavors, in investing past performance is a poor predictor (often ...
by boglesmkcents
Sun Dec 18, 2016 11:23 pm
Forum: Investing - Theory, News & General
Topic: What am I missing w/this back-tested asset allocation?
Replies: 72
Views: 5438

Re: What am I missing w/this back-tested asset allocation?

boglesmkcents: You are right; it is fantastic paper. Dr. Bill Bernstein who wrote the paper, and whom I know personally, is one of the most knowledgeable authorities in the world on the subject of mutual fund investing. It is informative to know that in his latest book, If you Can , he recommends T...
by boglesmkcents
Sun Dec 18, 2016 10:12 pm
Forum: Investing - Theory, News & General
Topic: What am I missing w/this back-tested asset allocation?
Replies: 72
Views: 5438

Re: What am I missing w/this back-tested asset allocation?

Perhaps this will help: http://www.efficientfrontier.com/ef/198/mvo198.htm Thank you, Quark -- this is a really fantastic paper. I especially liked this: "Rather, the most rational way to use an MVO is to find a "reasonable" allocation (hereafter known as the "coward's portfolio...
by boglesmkcents
Sun Dec 18, 2016 8:26 pm
Forum: Investing - Theory, News & General
Topic: What am I missing w/this back-tested asset allocation?
Replies: 72
Views: 5438

Re: What am I missing w/this back-tested asset allocation?

What am I missing w/this back-tested asset allocation? You asked the question, but I do apologize for the tone of my response. No need to apologize -- I found your response very constructive! There will always be a better, recent performing mix publicized than whatever you chose a few years ago. Th...
by boglesmkcents
Sun Dec 18, 2016 7:55 pm
Forum: Investing - Theory, News & General
Topic: What am I missing w/this back-tested asset allocation?
Replies: 72
Views: 5438

Re: What am I missing w/this back-tested asset allocation?

Try a backtest of backtesting. Go back on portfolio visualizer and see what performed the best for the first half of the period you tested (i.e. 1972-1993). Then see how that did for the second half (1994-2015) relative to a "default" option. +1 Also, try this: https://portfoliocharts.com...
by boglesmkcents
Sun Dec 18, 2016 7:31 pm
Forum: Investing - Theory, News & General
Topic: What am I missing w/this back-tested asset allocation?
Replies: 72
Views: 5438

Re: What am I missing w/this back-tested asset allocation?

After considering all this and doing further analysis, I have adjusted the 11 fund portfolio down to the following 5 fund portfolio: 40% US Equities: o 30% SCV o 10% REIT 20% Intl Equities o 20% Intl Small Cap 40% Bonds: o 30% LTT o 10% TIPS i think this looks good. Yes if you are going to heavily ...
by boglesmkcents
Sun Dec 18, 2016 7:22 pm
Forum: Investing - Theory, News & General
Topic: What am I missing w/this back-tested asset allocation?
Replies: 72
Views: 5438

Re: What am I missing w/this back-tested asset allocation?

Your tense is off. Investments have been inversely correlated, not are inversely correlated. What matters for investing is whether they will be inversely correlated. What have you found that is inversely correlated? Weak correlation is easy to find, but true inverse correlation is rare, especially ...
by boglesmkcents
Sun Dec 18, 2016 6:51 pm
Forum: Investing - Theory, News & General
Topic: What am I missing w/this back-tested asset allocation?
Replies: 72
Views: 5438

Re: What am I missing w/this back-tested asset allocation?

Vanguard has a research paper on forecasting stock returns at https://personal.vanguard.com/pdf/s338.pdf Two major lessons: 1) Historical returns are not the best method for forecasting the future. 2) The best method doesn't work very well, explaining only about 40% of the time variation in net-of-...
by boglesmkcents
Sun Dec 18, 2016 6:25 pm
Forum: Investing - Theory, News & General
Topic: What am I missing w/this back-tested asset allocation?
Replies: 72
Views: 5438

Re: What am I missing w/this back-tested asset allocation?

The pitfalls you are missing are the normal behavioral and emotional ones. Can you perform like a computer algorithm? Can you rebalance like madsinger did: https://www.bogleheads.org/forum/viewtopic.php?p=3143586#p3143586 ? He bought bonds a few days before the FOMC meeting announcement instead of ...
by boglesmkcents
Sun Dec 18, 2016 6:08 pm
Forum: Investing - Theory, News & General
Topic: What am I missing w/this back-tested asset allocation?
Replies: 72
Views: 5438

Re: What am I missing w/this back-tested asset allocation?

[…] • Review related slice/dice Trev H thread [...' In practice, I’ll probably use the portfolio as a “concept portfolio”, and will probably moderate the aggressive portfolio above with some ITT, TSM and ISM (a moderated approach would have performed better in the depression years, and in the 1980-...
by boglesmkcents
Sun Dec 18, 2016 5:40 pm
Forum: Investing - Theory, News & General
Topic: What am I missing w/this back-tested asset allocation?
Replies: 72
Views: 5438

Re: What am I missing w/this back-tested asset allocation?

I am back with an update after taking a week to digest all the great feedback I received, and to adapt my approach accordingly. I have not yet had time to read all the suggested material referenced in the suggestions, but I did incorporate much of the advice I received, including: • Avoid corporate ...
by boglesmkcents
Sun Dec 11, 2016 10:45 pm
Forum: Investing - Theory, News & General
Topic: What am I missing w/this back-tested asset allocation?
Replies: 72
Views: 5438

Re: What am I missing w/this back-tested asset allocation?

Thank you everyone for the really excellent, direct and candid advise as always! This gives me very helpful perspective, and definitely some areas to research. I appreciate the importance of testing back through longer periods, however many of the asset classes did not have the long history, and I ...
by boglesmkcents
Sun Dec 11, 2016 10:38 pm
Forum: Investing - Theory, News & General
Topic: What am I missing w/this back-tested asset allocation?
Replies: 72
Views: 5438

Re: What am I missing ?

I believe that there is value in using the back-test data as input, especially as it relates to Sharpe ratio and volatility, to check different time periods, and to check assumptions about correlation in those varied economic climates...does that make sense? boglesmkcents: After spending many years...
by boglesmkcents
Sun Dec 11, 2016 2:09 pm
Forum: Investing - Theory, News & General
Topic: What am I missing w/this back-tested asset allocation?
Replies: 72
Views: 5438

Re: What am I missing w/this back-tested asset allocation?

What am I missing w/this back-tested asset allocation? boglesmkcents: Back-testing is using past-performance. This is what experts say about using "past performance": Thank you Taylor! Excellent reminders to take the data from back testing with a grain of salt. Aside, from the excellent q...
by boglesmkcents
Sun Dec 11, 2016 1:07 pm
Forum: Investing - Theory, News & General
Topic: What am I missing w/this back-tested asset allocation?
Replies: 72
Views: 5438

Re: What am I missing w/this back-tested asset allocation?

A couple observations. I'd want about 70% of that proposed portfolio in tax-advantaged space. Do you have that much room? I'm mid-50s too, and at this point could not adopt a portfolio like this without incurring lots of capital gains in selling out current positions. Will you have to sell current ...
by boglesmkcents
Sun Dec 11, 2016 11:52 am
Forum: Investing - Theory, News & General
Topic: What am I missing w/this back-tested asset allocation?
Replies: 72
Views: 5438

Re: What am I missing w/this back-tested asset allocation?

Thank you everyone for the really excellent, direct and candid advise as always! This gives me very helpful perspective, and definitely some areas to research. I appreciate the importance of testing back through longer periods, however many of the asset classes did not have the long history, and I h...
by boglesmkcents
Sun Dec 11, 2016 12:03 am
Forum: Investing - Theory, News & General
Topic: What am I missing w/this back-tested asset allocation?
Replies: 72
Views: 5438

Re: What am I missing w/this back-tested asset allocation?

Thank you all for the very helpful and insightful posts! I do appreciate and understand that past performance is not an indicator of future returns, that efficient frontier graphs change dramatically from one decade/period to the next, the dangers of over-fitting/over-extracting, etc. My main purpos...
by boglesmkcents
Sat Dec 10, 2016 9:03 pm
Forum: Investing - Theory, News & General
Topic: What am I missing w/this back-tested asset allocation?
Replies: 72
Views: 5438

What am I missing w/this back-tested asset allocation?

In preparation for annual re-balancing, I used Portfolio Visualizer to back test my current asset allocation (72/28 -- 48% US stocks, 24% foreign stocks, 28% bonds, includes slice/dice allocations to value, REITS, emerging, small cap, foreign bonds, TIPS, etc). My portfolio back-tested pretty well a...
by boglesmkcents
Sun May 31, 2015 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Step-up Basis? - JT Xfer to Revocable Trust - California
Replies: 8
Views: 1035

Re: Step-up Basis? - JT Xfer to Revocable Trust - California

Thank you kaneohe -- I had read this article (as well as IRS Pubs 523, 544, and 555) -- leaving me confused. I read it the same way that you do.

Since there seems to be mixed/inconsistent/unclear information out there,I think I will probably consult with a CPA and/or a tax/estate attorney.
by boglesmkcents
Sun May 31, 2015 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Step-up Basis? - JT Xfer to Revocable Trust - California
Replies: 8
Views: 1035

Re: Step-up Basis? - JT Xfer to Revocable Trust - California

Thank you, Gill...I very much appreciate your response and answers to my questions!
by boglesmkcents
Sun May 31, 2015 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Step-up Basis? - JT Xfer to Revocable Trust - California
Replies: 8
Views: 1035

Step-up Basis? - JT Xfer to Revocable Trust - California

I need to determine how the step up basis of a California home should be handled in the following situation: 1950 - Home purchased by a married couple for ~$40K, title held as JT-WROS 1997 - Home transferred into revocable living trust, with text "x and y, as Joint Tenants, transfer to x & ...
by boglesmkcents
Sun Jul 06, 2014 3:32 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 729
Views: 123778

Re: Boglehead Beer

Another vote for Pliny the Elder from Russian River Brewing (if you can find it...most stores keep it hidden in back and you need to ask for it)...

Also just discovered Stone IPA at Trader Joe's...Green Flash IPA also good -- for when we cannot find Pliny (which is most of the time)
by boglesmkcents
Sun Jul 06, 2014 3:27 pm
Forum: Personal Consumer Issues
Topic: I am thinking of buying Ooma or Magicjack need help deciding
Replies: 52
Views: 16651

Re: I am thinking of buying Ooma or Magicjack need help deci

We replaced a Verizon landline and a Vonage VOIP line with two Ooma lines and a UPS (also purchased a generator and a large cell phone battery for longer power outages in case our cable (Comcast) and cell phone operators are still working). Our monthly phone charges went from ~$90/month to about $13...
by boglesmkcents
Sun Jul 06, 2014 3:00 pm
Forum: Personal Consumer Issues
Topic: Continue subscribing to local newspaper?
Replies: 86
Views: 7808

Re: Continue subscribing to local newspaper?

Although there is a lot of timely information on-line, the local newspaper still does the best job of covering local issues. I also enjoy the experience of reading a newspaper with the family, especially on weekends. And finally, I feel the newspapers will go the same way as local bookstores if not ...
by boglesmkcents
Thu Jul 03, 2014 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in an HSA
Replies: 10
Views: 1217

Re: Investing in an HSA

Regarding your first question, we have our HSA at Bancorp Bank, and have been very happy with it -- low fees, Streetscape Brokerage, etc. Many funds available with very low fees. Worth considering.

Not sure how to deal with the issue raised with your second question....
by boglesmkcents
Sun Jun 08, 2014 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: Tilt Question
Replies: 16
Views: 1359

Re: Tilt Question

I am posting my thoughts on tilts in response to OP regarding tilts, as well as for others who may be interested - in a effort to give back a little to the community from which I have learned so much in recent years: My general situation as follows - I am 52, with a ~$2M retirement portfolio and lim...
by boglesmkcents
Sun Jun 01, 2014 11:06 pm
Forum: Investing - Help with Personal Investments
Topic: Best Place for Teen's (Very Aggressive) Roth IRA
Replies: 34
Views: 3529

Re: Best Place for Teen's (Very Aggressive) Roth IRA

Points very well-taken Zabar and Watty. I agree that I should use this opportunity to help him understand that this is a good time to be aggressive, but maybe not totally crazy by throwing proven asset allocation mixes out the window. Good point that this is an opportunity to help him learn and unde...
by boglesmkcents
Sun Jun 01, 2014 10:30 pm
Forum: Investing - Help with Personal Investments
Topic: Best Place for Teen's (Very Aggressive) Roth IRA
Replies: 34
Views: 3529

Re: Best Place for Teen's (Very Aggressive) Roth IRA

Just replying to a few recent posts in this thread... livesoft -- yes, approach w/18-22 year olds or thereabouts requires careful thought for sure! zabar - yes, will strongly encourage fee-only route...I think there are enough issues out there to make plenty of money giving much needed advice -- i.e...
by boglesmkcents
Sun Jun 01, 2014 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Best Place for Teen's (Very Aggressive) Roth IRA
Replies: 34
Views: 3529

Re: Best Place for Teen's (Very Aggressive) Roth IRA

This thread is exceeding all my expectations -- I really like and appreciate all the advice to use this as a learning opportunity, so not just creating a potentially very valuable retirement account. One thing I did not mention in my original post is that he currently plans to major in business econ...

Go to advanced search