Search found 724 matches

by digarei
Sat Feb 24, 2018 2:31 am
Forum: Forum Issues and Administration
Topic: Blank line doubling
Replies: 29
Views: 2337

Re: Blank line doubling

LadyGeek wrote:
Fri Feb 23, 2018 10:55 pm
The extra blanks lines have been fixed.

After some investigation, I reset a few things to straighten this out. No changes were made to the software.
Thank you. Makes all the difference. :happy
by digarei
Fri Feb 23, 2018 3:20 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What Investors Should Worry About
Replies: 53
Views: 3374

Re: Larry Swedroe: What Investors Should Worry About

Digarel, I see no other way to interpret your comment. If there is, then please clarify. Dave When I read that Mr. Swedroe is “in the business of helping build robust investor portfolios[…]” it sounds like a value judgment or advertisement presented as fact. It may be true. It could very well be co...
by digarei
Fri Feb 23, 2018 2:51 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What Investors Should Worry About
Replies: 53
Views: 3374

Re: Larry Swedroe: What Investors Should Worry About

http://www.etf.com/sections/index-investor-corner/swedroe-what-investors-should-worry-about?nopaging=1 […] I think it’s fair to say he’s in the business of helping build robust investor portfolios that can withstand the wide variety of outcomes predicted by many individuals. … I think it’s fair to ...
by digarei
Fri Feb 23, 2018 2:44 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What Investors Should Worry About
Replies: 53
Views: 3374

Re: Larry Swedroe: What Investors Should Worry About

http://www.etf.com/sections/index-investor-corner/swedroe-what-investors-should-worry-about?nopaging=1 […] I think it’s fair to say he’s in the business of helping build robust investor portfolios that can withstand the wide variety of outcomes predicted by many individuals. … I think it’s fair to ...
by digarei
Wed Feb 21, 2018 6:05 pm
Forum: Forum Issues and Administration
Topic: Blank line doubling
Replies: 29
Views: 2337

Re: Blank line doubling

I apologize for my poor choice of words; they appear to have set off an unfortunate reaction. Rereading my post it does sound like a veiled criticism of the forum’s admins but that was not my intent. I don’t believe anyone was derelict in their duty. I am glad to understand that by merely deleting t...
by digarei
Wed Feb 21, 2018 10:18 am
Forum: Forum Issues and Administration
Topic: Blank line doubling
Replies: 29
Views: 2337

Re: Blank line doubling

It seems that including an image is causing the format issues I reported. I get the impression that this isn’t considered a serious problem with the board admins and see assurances that the forum software is up to date. However, a few of my posts are now very difficult to read. So, I think the best ...
by digarei
Tue Feb 20, 2018 5:20 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento Bogleheads ~ Meeting 10:30 AM Sat Sept. 10, 2016
Replies: 4
Views: 1149

Re: Sacramento Bogleheads ~ Meeting 10:30 AM Sat Sept. 10, 2016

Digarei - you're also changing your font size throughout your posts. The line spacing is also likely changing along with your font size. Big fonts, a single line space is bigger (ie takes up more space). Small fonts, a single line space is smaller (ie. takes up less space). And so on. The line spac...
by digarei
Tue Feb 20, 2018 2:19 pm
Forum: Forum Issues and Administration
Topic: Blank line doubling
Replies: 29
Views: 2337

Re: Blank line doubling

Looking at the generated html when a post does not contain an image line breaks are encoded as "<br>" while if it does contain an image line breaks are encoded as "<br><\br>". Unless I am mistaken <\br> is not a legitimate piece of html4 while an unclosed <br> is not a legitimate piece of xhtml. I ...
by digarei
Tue Feb 20, 2018 1:07 pm
Forum: Forum Issues and Administration
Topic: Blank line doubling
Replies: 29
Views: 2337

Re: Blank line doubling

http://I.imgur.com/65CvTmp.jpg Line 1 Line 2 The line that appears to cause the problem is the above image [ img]http://I.imgur.com/65CvTmp.jpg[/img]. This may be a bug that should be reported to the phpBB maintainers. Does this only occur in the local group posts or are there other examples? Yes, ...
by digarei
Tue Feb 20, 2018 10:07 am
Forum: Forum Issues and Administration
Topic: Blank line doubling
Replies: 29
Views: 2337

Blank line doubling

. . . ————————————————————————————————— EDIT 2/23 Issue now resolved thanks to ladygeek END EDIT ————————————————————————————————— EDIT 2/21 See https://www.bogleheads.org/forum/viewtopic.php?f=3&t=242204&p=3794419#p3794419 Images were removed from posts linked below thanks END EDIT ———————————————...
by digarei
Mon Feb 19, 2018 11:30 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento Bogleheads ~ Meeting 10:30 AM Sat December 10, 2016
Replies: 3
Views: 593

Dec 10, 2016 - Sacramento Area Bogleheads - Meeting Summary

• • •   S a c r a m e n t o A r e a B o g l e h e a d s ------------------------------------------------------ Meeting Summary • • •   Saturday, December 10, 2016 'NO AGENDA' Agenda  No Presentations No Predetermined Topics No Presidential Predictions -----------------------------------------------...
by digarei
Thu Feb 15, 2018 3:53 pm
Forum: Investing - Theory, News & General
Topic: How many of you use the "4% rule" during retirement?
Replies: 68
Views: 8234

Re: How many of you use the "4% rule" during retirement?

Retired but still accumulating and not drawing down. Other resources.

When I decide to do so, I’ll likely employ the 3% rule... to ensure legacy funding.
by digarei
Thu Feb 15, 2018 1:57 am
Forum: Local Chapters and Bogleheads Community
Topic: Jan 13, 2018 - Sacramento Area Bogleheads - Meeting Summary
Replies: 1
Views: 227

Feb 10, 2018 - Sacramento Area Bogleheads - Meeting Summary

• • • S a c r a m e n t o A r e a B o g l e h e a d s ------------------------------------------------------ Meeting Summary • • • Saturday, February 10, 2018 Are You Sleeping? The Somnambulance of a Rising Tide Market Presentation and discussion Investor Q & A Meeting Notes for February ⭕ ur pench...
by digarei
Wed Feb 14, 2018 10:43 pm
Forum: Local Chapters and Bogleheads Community
Topic: Jan 13, 2018 - Sacramento Area Bogleheads - Meeting Summary
Replies: 1
Views: 227

Jan 13, 2018 - Sacramento Area Bogleheads - Meeting Summary

• • •   Meeting Notes for January • • •   ------------------------------------------------------ S a c r a m e n t o A r e a B o g l e h e a d s ------------------------------------------------------ Meeting Summary   • • •     Saturday, January 13, 2018 Axioms & Aphorisms II Financial Goals Group ...
by digarei
Sat Feb 10, 2018 7:42 pm
Forum: Investing - Theory, News & General
Topic: A glidepath formula
Replies: 15
Views: 1785

Re: A glidepath formula

I like your formula but since the assumptions don’t fit my situation my mind was immediately employed in an attempt to apply it to some other useful purpose. I haven’t yet come up with any helpful applications but such elegance should not go to waste. Sweeping S curves are beautiful to contemplate. ...
by digarei
Fri Feb 09, 2018 2:41 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5600
Views: 1266147

Re: U.S. stocks in freefall

... My only current anxiety has to do with the fact that I’ve lowered my e-fund to 6 months expenses rather than 12 so I could buy even more Listen to yourself. There’s a good chance that you’d be fine and richer in the long run by entirely dissolving your emergency fund and putting it all into sto...
by digarei
Fri Feb 09, 2018 1:48 pm
Forum: Investing - Theory, News & General
Topic: Does this strategy make sense in a falling market?
Replies: 19
Views: 2180

Re: Does this strategy make sense in a falling market?

. There are many perspectives on this. I referenced Harry Sit’s Overbalancing upthread. Forum member livesoft recommends buying stocks by rebalancing both during a market decline and its recovery. Others advocate doing nothing. Read the thread linked below for more of those viewpoints. Keep buying e...
by digarei
Fri Feb 09, 2018 3:06 am
Forum: Investing - Theory, News & General
Topic: Does this strategy make sense in a falling market?
Replies: 19
Views: 2180

Re: Does this strategy make sense in a falling market?

How about a variation on buying dips, DCAing, and rebalancing, whereby you engage in accelerated buying of stock the more the market drops? . . . Your stock portfolio will recover much quicker during the eventual upturn. Of course, this does require enough cash on hand. You could rebalance from you...
by digarei
Thu Feb 08, 2018 9:51 pm
Forum: Investing - Help with Personal Investments
Topic: Still waiting to invest?
Replies: 47
Views: 5707

Re: Still waiting to invest?

Have been ~0% equities since Feb 2008. I feel like a fool. :( I bought some INTC for fun and that has done well. :) For now, I'm planning to wait it out with my 401k. I'll probably do a lot better this year with rates moving up. To me everything looks overvalued -- bonds, stocks, real estate. I hav...
by digarei
Thu Feb 08, 2018 9:07 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5600
Views: 1266147

Re: U.S. stocks in freefall

The loose change in my sweep account was enough to buy a single share of VT today. I bought it. As I read this thread, I imagine myself sitting on my front porch sipping a half tea half lemonade drink rocking back and forth watching the thread. Based off of the tone of the thread, there are people ...
by digarei
Thu Feb 08, 2018 2:53 pm
Forum: Investing - Theory, News & General
Topic: "3 Investing Mistakes to Avoid"
Replies: 20
Views: 3391

Re: Asset Allocation and Risk/Reward

Folks get into trouble thinking that increasing stocks will increase returns. It MAY if your time period is generous to stocks and may not if you are at the other extreme of returns during that time period. Good luck. I think this observation is supported by an article by Ben Carlson (2014), where ...
by digarei
Wed Feb 07, 2018 5:43 pm
Forum: Investing - Theory, News & General
Topic: There is no precise plan
Replies: 16
Views: 2028

Re: There is no precise plan

I really, really like this. It encapsulates a great deal of sound advice while rising above the level of platitude. I remember using retirement calculators that projected a persistent rate of growth of 8 or 10% into the future and after a few years wondering why my account balances weren’t keeping u...
by digarei
Wed Feb 07, 2018 1:39 am
Forum: Investing - Theory, News & General
Topic: Being a Disciplined Investor - How do you avoid temptations?
Replies: 41
Views: 2719

Re: Being a Disciplined Investor - How do you avoid temptations?

I came to investing late but was lucky enough to find good reading sources soon after starting. I adopted the recommended practices (mutual funds instead of individual stocks, indexing, diversification, buy & hold) and was spared the grief some have experienced. The best way I’ve found to “avoid tem...
by digarei
Tue Feb 06, 2018 5:18 pm
Forum: Personal Consumer Issues
Topic: Visiting SAN FRANCISCO
Replies: 31
Views: 2124

Re: Visiting SAN FRANCISCO

Ask an admin to move this thread to the ‘Personal Consumer Issues’ sub-forum. The post will get more replies. If you haven’t been to SF before, Fisherman’s Wharf is an obvious choice. A number of restaurants, some good, some just so-so. Recommend passing on the longer bay cruises in favor of a boat ...
by digarei
Tue Feb 06, 2018 3:54 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5600
Views: 1266147

Re: U.S. stocks in freefall

I executed a buy order yesterday for a number of mutual funds representing multiple asset classes, including both US and international equities and bonds, and domestic REITs. The price of each share purchased will be at today’s closing NAV. I’m entirely indifferent as to whether the price is higher ...
by digarei
Mon Feb 05, 2018 12:47 am
Forum: Investing - Theory, News & General
Topic: Blood in the water- buying?
Replies: 117
Views: 15990

Re: Blood in the water- buying?

Trend following using an algorithm (e.g., a 200 day moving average) is unambiguously market timing, and can be dangerous to one’s prospects for a comfortable retirement and financial independence. Trend following using one’s intuition is by definition just following your gut, which can be dangerous ...
by digarei
Sun Feb 04, 2018 11:30 am
Forum: Investing - Theory, News & General
Topic: All In Vanguard, Or Not?
Replies: 18
Views: 2033

Re: All In Vanguard, Or Not?

Thanks to all who weighed in on my recent post; especially nisiprius who expended significant effort to provide a thoughtful response. Without your support I may have fallen for a greedy, fee-based approached to managing my hard earned money. Alas, I am through forever of considering such a fool-ha...
by digarei
Sun Feb 04, 2018 10:27 am
Forum: Investing - Theory, News & General
Topic: Is this a form of Market Timing?
Replies: 36
Views: 2226

Re: Is this a form of Market Timing?

gilgamesh wrote:
Sun Feb 04, 2018 10:23 am

I'm not talking about AA between tIRA and Roth, I'm talking about overall portfolio AA. Which includes the account where taxes are paid, which is part of the overall portfolio.
Right. See my edit above. I’m a slow typist :(
by digarei
Sun Feb 04, 2018 10:20 am
Forum: Investing - Theory, News & General
Topic: Is this a form of Market Timing?
Replies: 36
Views: 2226

Re: Is this a form of Market Timing?

But still, if we are keeping the AA same wouldn't it still be the same? Taxes are paid from funds which also drops 50% and gains 100% So, Day1 $100 converted to Roth, taxable went from $50 to $30 after paying $20 in taxes Day 4: $100 in Roth, taxable $30 Day 3 convert $50 to Roth, taxable goes from...
by digarei
Sun Feb 04, 2018 10:12 am
Forum: Investing - Theory, News & General
Topic: Is this a form of Market Timing?
Replies: 36
Views: 2226

Re: Is this a form of Market Timing?

Say you have $100 in tIRA you want to convert to Roth. Tax 20%. Day 1 you have $100 convert to Roth, pay $20 taxes and $80 converted into Roth. Day 2 market drops 50% you are down to $40 Day 4 market gains 100% you are back to $80. You wish to convert after the initial market drop on day 3. Day 3: ...
by digarei
Sun Feb 04, 2018 9:52 am
Forum: Investing - Theory, News & General
Topic: Is this a form of Market Timing?
Replies: 36
Views: 2226

Re: Is this a form of Market Timing?

livesoft wrote:
Sun Feb 04, 2018 9:48 am
digarei wrote:
Sun Feb 04, 2018 9:43 am
I believe they still can... or am I missing something? Recharacterizing later in the year ....
That's now outlawed by the new tax law.
I guess I have to read up on this... thanks!
by digarei
Sun Feb 04, 2018 9:43 am
Forum: Investing - Theory, News & General
Topic: Is this a form of Market Timing?
Replies: 36
Views: 2226

Re: Is this a form of Market Timing?

I don't know. Certainly, it was only last year that folks could do a conversion "horse race" and recharacterize a Roth that lost money. That was considered astute . Bond funds are already down more than 1%, so if one does a conversion of an IRA of bond funds next week, it would certainly be better ...
by digarei
Sat Feb 03, 2018 3:38 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento, CA Area Chapter - Master Thread
Replies: 86
Views: 20076

Sacramento, CA Area Chapter - Master Thread

... http://I.imgur.com/aMhsHn7.jpg MS2017 623x300 aMhsHn7 1 . W E E K . from today the members of Sacramento Area Bogleheads will be meeting in midtown (for details, see the first post in this thread). We meet to discuss all aspects of personal finance and investing each month on Second Saturday. R...
by digarei
Fri Feb 02, 2018 11:36 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5600
Views: 1266147

Re: U.S. stocks in freefall

RBD today? Good question. I have 2k to put in between now and the end of February (50/50 VXUS and VBR as I am underweight in both). Do I do it now or do I wait.. Decisions decisions.. Do it now. In the long run, this won’t even be a blip. Even if the markets crash tomorrow. I’ll be investing 25 tim...
by digarei
Fri Feb 02, 2018 10:56 am
Forum: Local Chapters and Bogleheads Community
Topic: Presentation for Novice Bogleheads
Replies: 4
Views: 555

Re: Presentation for Novice Bogleheads

Hi Maid of the Mist, In the past, we’ve created our own content when discussing challenging topics but we had great success last year adapting a PowerPoint presentation created by siamond (chapter coordinator of the Boston BHs) to help newer members understand indexing. Other authors and chapters ha...
by digarei
Mon Jan 22, 2018 2:26 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento, CA Area Chapter - Master Thread
Replies: 86
Views: 20076

New Facebook Page

• • • We now have a presence on Facebook! This month Sacramento Area Bogleheads (SABH) member Darryl P. created a Facebook page for our chapter that is accessible to anyone with an internet connection. We hope that the page draws attention to our group from Facebook users and others who are looking...
by digarei
Sun Jan 21, 2018 3:05 pm
Forum: Local Chapters and Bogleheads Community
Topic: My daughter got her dream job [Proud Papa]
Replies: 39
Views: 3491

Re: My daughter got her dream job [Proud Papa]

Congratulations, Steve. Early in my investing career I expressed consternation at the fund choices available to me in my 401(k) but my father’s only advice was ‘Buy Low and Sell High!’ Q. What does a twenty five year-old with no understanding of investing do with such advice? A. Ponder its inscrutab...
by digarei
Sat Jan 20, 2018 11:26 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento, CA Area Chapter - Master Thread
Replies: 86
Views: 20076

February 2018

. ... This thread has been updated with information about Sacramento Area Bogleheads' next meeting in the month of February 2018 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Read the first post ...
by digarei
Tue Jan 09, 2018 12:49 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento, CA Area Chapter - Master Thread
Replies: 86
Views: 20076

This Saturday, Jan 13, 2018

... 4 . D A Y S . from today the members of Sacramento Area Bogleheads will be meeting in midtown (for details, see the first post in this thread). We meet to discuss all aspects of personal finance and investing each month on Second Saturday. Reservations are being accepted for this meeting throug...
by digarei
Thu Jan 04, 2018 12:03 am
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento, CA Area Chapter - Master Thread
Replies: 86
Views: 20076

January 2018

. ... This thread has been updated with information about Sacramento Area Bogleheads' next meeting for the month of January 2018 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Read the first post ...
by digarei
Wed Dec 27, 2017 10:28 pm
Forum: Investing - Theory, News & General
Topic: This is Unbelievable - another Vanguard customer support odyssey
Replies: 40
Views: 7025

Re: This is Unbelievable - another Vanguard customer support odyssey

As an aside, I know the name of the game is lowest ER, but I think we are at a point of diminishing returns. I'd rather pay 10 basis points for terrific customer service, robust IT, etc, than 4 basis points and have the issues you described. Do we really want to make a pizza so cheap no one will ea...
by digarei
Wed Dec 27, 2017 11:12 am
Forum: Investing - Theory, News & General
Topic: This is Unbelievable - another Vanguard customer support odyssey
Replies: 40
Views: 7025

Re: This is Unbelievable - another Vanguard customer support odyssey

Correct, but that is not contradictory to what the person you responded to said. And from their perspective (from mine, I love it since I do not use Vanguard brokerage), much cheaper funds doesn't help them if they cannot execute basic account functions. Given that their time is money I wonder how ...
by digarei
Wed Dec 27, 2017 9:53 am
Forum: Investing - Theory, News & General
Topic: This is Unbelievable - another Vanguard customer support odyssey
Replies: 40
Views: 7025

Re: This is Unbelievable - another Vanguard customer support odyssey

As an aside, I know the name of the game is lowest ER, but I think we are at a point of diminishing returns. I'd rather pay 10 basis points for terrific customer service, robust IT, etc, than 4 basis points and have the issues you described. Do we really want to make a pizza so cheap no one will ea...
by digarei
Wed Dec 27, 2017 8:01 am
Forum: Investing - Theory, News & General
Topic: This is Unbelievable - another Vanguard customer support odyssey
Replies: 40
Views: 7025

Re: This is Unbelievable - another Vanguard customer support odyssey

As an aside, I know the name of the game is lowest ER, but I think we are at a point of diminishing returns. I'd rather pay 10 basis points for terrific customer service, robust IT, etc, than 4 basis points and have the issues you described. Do we really want to make a pizza so cheap no one will ea...
by digarei
Mon Dec 25, 2017 7:51 am
Forum: Investing - Theory, News & General
Topic: What ever happened to the Larry portfolio?
Replies: 120
Views: 11953

Re: What ever happened to the Larry portfolio?

Personally, I don’t care what Mr. Swedroe thinks. It's comments like this that drove him away. If you don't agree, that's fine, but no need to be rude. +1 -2 Disagreement or contrarian opinion are legitimate forms of debate. It isn’t rude to declaim one’s opinion. My mother used to say, “If you can...
by digarei
Sat Dec 16, 2017 12:49 pm
Forum: Personal Consumer Issues
Topic: Ancestry / 23andMe
Replies: 83
Views: 7111

Re: Ancestry / 23andMe

I don't think that is entirely correct. Companies have privacy policies. Any data you share cannot automatically be given to anyone at anytime legally. Part of their policy: We will not sell, lease, or rent your individual-level information (i.e., information about a single individual's genotypes, ...
by digarei
Tue Dec 12, 2017 10:05 am
Forum: Investing - Theory, News & General
Topic: Tilting sectors, regions and countries? Which ones.
Replies: 14
Views: 1012

Re: Tilting sectors, regions and countries? Which ones.

Are there any sectors, regions or countries you are overweighting or underweighting? Personally I am looking at underweighting energy and consumer staples and overweighting technology and consumer discretionary but I have not done this to any great extent yet. I overweight U.S., holding a 67% share...
by digarei
Mon Dec 04, 2017 10:07 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento Area Bogleheads ~ Meeting 10:30 AM Sat Dec 9, 2017
Replies: 0
Views: 206

Sacramento Area Bogleheads ~ Meeting 10:30 AM Sat Dec 9, 2017

...... Announcing the 32nd meeting of the... ...... S a c r a m e n t o A r e a B o g l e h e a d s ------------------------------------------------------ . . . . . . . . . . This event . . . . . . . . . . Date: Saturday, Dec 9, 2017 Time: 10:30 AM - 12:30 PM Optional lunch follows. Midtown Sacrame...
by digarei
Sun Dec 03, 2017 11:30 am
Forum: Personal Finance (Not Investing)
Topic: What's your experience with Medicaid ?
Replies: 41
Views: 2723

Re: What's your experience with Medicaid ?

I am an Emergency Physician and I just got home after working a hectic night shift in a busy, chaotic ER. So, I’m a little cranky right now and I can’t let this comment slide. Residents are not idiots! They are extremely smart dedicated individuals that are learning a complex profession in a stress...
by digarei
Sun Dec 03, 2017 10:58 am
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento, CA Area Chapter - Master Thread
Replies: 86
Views: 20076

Until we meet again...

... 6 . D A Y S . from today the members of Sacramento Area Bogleheads will be meeting in midtown (for details, see the first post in this thread). We meet to discuss all aspects of personal finance and investing each month on Second Saturday. Reservations are being accepted for this meeting over t...