Search found 750 matches

by digarei
Sat Apr 14, 2018 6:50 pm
Forum: Local Chapters and Bogleheads Community
Topic: Improving Local Boglehead Chapter Meetings
Replies: 19
Views: 1735

Re: Improving Local Boglehead Chapter Meetings

Greg (digarei), Thanks for all the details for your group. A lot of ideas to consider. We're still relatively new and haven't really experimented with other (non-Q&A) meeting formats yet, but it's worth thinking about. Meetup.com initially cost $29 for 6 months and the next 6 month renewal will be ...
by digarei
Fri Apr 13, 2018 11:15 pm
Forum: Local Chapters and Bogleheads Community
Topic: Improving Local Boglehead Chapter Meetings
Replies: 19
Views: 1735

Re: Improving Local Boglehead Chapter Meetings

Thanks for sharing this success story with everyone. Perhaps this thread can serve as a place where other Local Chapter Coordinators and members can offer their ideas about what has and hasn't worked for them. Sounds good to me. This will be boring. Moreover, I don’t have a concise list of do’s and...
by digarei
Fri Apr 13, 2018 9:45 pm
Forum: Local Chapters and Bogleheads Community
Topic: Improving Local Boglehead Chapter Meetings
Replies: 19
Views: 1735

Re: Improving Local Boglehead Chapter Meetings

We have tried to assess what specifically drives attendance. We do not have a definitive answer. We do know there is a strong preference for a mix of presentations and breakout groups and for library settings versus restaurant settings. Thank you for this. What you’ve asserted from your involvement...
by digarei
Fri Apr 13, 2018 9:26 pm
Forum: Local Chapters and Bogleheads Community
Topic: Improving Local Boglehead Chapter Meetings
Replies: 19
Views: 1735

Re: Improving Local Boglehead Chapter Meetings

Hello, I just wanted to share a few thoughts regarding the subject as our meetings have shown some improvement in recent months. Our Columbus, Ohio chapter was created last September (2017). We meet monthly (2d Sunday from 2-4pm) at a centrally located library meeting room. Our first meeting had 7 ...
by digarei
Sun Apr 08, 2018 1:11 am
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age? and, Why?
Replies: 163
Views: 11318

Re: What is your AA, given your age? and, Why?nab

Folks, 1. Without quantifying your need/ability/willing to take risk and/or goals, what is your AA (Stock:Bond), given your age? and why? Well, I try not to give my age... I had a portfolio AA of 100% equities for about 10 years (when they weren’t producing), then added bonds a few years before FI ...
by digarei
Sat Apr 07, 2018 2:19 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento, CA Area Chapter - Master Thread
Replies: 90
Views: 21316

Re: Sacramento, CA Area Chapter - Master Thread

. Sacramento Area Bogleheads' 3rd Anniversary ... This thread has been updated with essential information about Sacramento Area Bogleheads' next meeting on Apr 14. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ....
by digarei
Wed Apr 04, 2018 6:02 am
Forum: Local Chapters and Bogleheads Community
Topic: Prescient Decisions & Gut Reactions
Replies: 0
Views: 577

Prescient Decisions & Gut Reactions

Sacramento Area Bogleheads Meeting Summary, April 14, 2018 • • • Prescient Decisions & Gut Reactions A skimpy introduction to two brains, and what it could mean for anyone who believes that rational thoughts determine their investing decisions. Background for presentation entitled, “How we are Prog...
by digarei
Mon Apr 02, 2018 12:21 am
Forum: Local Chapters and Bogleheads Community
Topic: San Jose, CA Area Bogleheads Chapter
Replies: 91
Views: 23387

Re: South Bay Bogleheads: April 2018

South Bay Bogleheads will meet next on Thursday, April 19th, from 7pm - 9pm, at Merrill Gardens Campbell (near downtown Campbell). The address is 2115 Winchester Blvd in Campbell. This will be a new venue for us and we’re enthused about its possibilities. The working title for the meeting is “Prepa...
by digarei
Fri Mar 23, 2018 3:15 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento, CA Area Chapter - Master Thread
Replies: 90
Views: 21316

Re: Sacramento, CA Area Chapter - Master Thread

. Sacramento Area Bogleheads' 3rd Anniversary ... This thread has been updated with essential information about Sacramento Area Bogleheads' next meeting on Apr 14. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ....
by digarei
Mon Mar 12, 2018 4:23 pm
Forum: Investing - Theory, News & General
Topic: 2018 BOGLEHEADS CONFERENCE SOLD OUT
Replies: 109
Views: 18483

Re: 2018 BOGLEHEADS CONFERENCE SOLD OUT

Our chapter has been considering the viability of a west coast regional conference for a couple of years now. This will be a topic at our next leadership meeting. There are a number of chapters in the West that appear to be growing in size and could provide a base for a large gathering. I’d be inte...
by digarei
Sun Mar 11, 2018 10:36 pm
Forum: Investing - Theory, News & General
Topic: 2018 BOGLEHEADS CONFERENCE SOLD OUT
Replies: 109
Views: 18483

Re: 2018 BOGLEHEADS CONFERENCE SOLD OUT

Our chapter has been considering the viability of a west coast regional conference for a couple of years now. This will be a topic at our next leadership meeting. There are a number of chapters in the West that appear to be growing in size and could provide a base for a large gathering. I’d be inte...
by digarei
Sun Mar 11, 2018 1:47 am
Forum: Investing - Theory, News & General
Topic: Reuters-" Special Report: Fidelity puts 6 million savers on risky path to retirement"
Replies: 48
Views: 6562

Re: Reuters-" Special Report: Fidelity puts 6 million savers on risky path to retirement"

Noob question, please - for the higher priced Fidelity "Freedom" Funds in 401k plan, do you pay the main expense ratio listed on plan AND the expense ratios for *each* of their constituent funds? :shock: :( One expense ratio for one fund, even if it is a fund of funds. However participating in your...
by digarei
Wed Mar 07, 2018 6:32 pm
Forum: Investing - Theory, News & General
Topic: 2018 BOGLEHEADS CONFERENCE SOLD OUT
Replies: 109
Views: 18483

Re: 2018 BOGLEHEADS CONFERENCE SOLD OUT

It is unrealistic to expect the same "big names" would come, but it might be fun anyway. It would be a lovely idea--but I am not volunteering to organize. Just sayin' :D Nothing keeping anyone from organizing their own conference. You might even get some "big names" to come. Having done it, however...
by digarei
Wed Mar 07, 2018 10:05 am
Forum: Investing - Theory, News & General
Topic: Reuters-" Special Report: Fidelity puts 6 million savers on risky path to retirement"
Replies: 48
Views: 6562

Re: Reuters-" Special Report: Fidelity puts 6 million savers on risky path to retirement"

You're right, 60/40 is the "new" conservative allocation for retirees, now that we're in a 10 year bull run. Stand by for a few years and see what the conservative allocation becomes then ;) +1 It's amazing how far recommendations on Bogleheads have evolved, and how fast. Maybe the author could rec...
by digarei
Wed Mar 07, 2018 3:24 am
Forum: Investing - Theory, News & General
Topic: Looking for an example of a fund which has beat its index for 30 years
Replies: 93
Views: 9084

Re: Looking for an example of a fund which has beat its index for 30 years

While I am used to hearing statements declaring how few active funds beat their index (presumably over a year) I am interested in examples of funds which have beat a major index over prolonged intervals. If the interval is sufficiently brief (e.g. one day,) I imagine nearly 50% of funds would beat ...
by digarei
Sat Mar 03, 2018 3:22 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento, CA Area Chapter - Master Thread
Replies: 90
Views: 21316

Re: Sacramento, CA Area Chapter - Master Thread

... 1 . W E E K . from today the members of Sacramento Area Bogleheads will be meeting in midtown. For details, please see the first post in this thread—or the agenda, below. We meet to discuss all aspects of personal finance and investing each month on Second Saturday. Reservations are being accep...
by digarei
Wed Feb 28, 2018 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: Sell individual stocks to buy index funds?
Replies: 45
Views: 3421

Re: Sell individual stocks to buy index funds?

You can sell the investments and buy a Porsche and still have a story. Not much of a story, owning a car for a few years, bought and sold long before your grandkids were born , partially financed with a gift from your grandparents. However, I take your point and it's valid. I was just suggesting wh...
by digarei
Wed Feb 28, 2018 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: Sell individual stocks to buy index funds?
Replies: 45
Views: 3421

Re: Sell individual stocks to buy index funds?

From a purely non-financial point of view, in your shoes I would hold on to the stocks (stop re-investing dividends), as a reminder of my grandparents generosity and perhaps a story for your own kids/grandkids one day. Over time, as your income/investments grow, these positions won't be a huge % of...
by digarei
Sun Feb 25, 2018 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: What's your cash position
Replies: 105
Views: 10131

Re: What's your cash position

Cash position: $146.00 — the nominal value of the currency in my wallet I use bank savings sub-accounts as sinking funds (self-managed escrow accounts) to pay for periodic large expenses (new vehicle, roof replacement, etc) but these are not part of my investment portfolio. I do count the following ...
by digarei
Sun Feb 25, 2018 9:16 pm
Forum: Personal Consumer Issues
Topic: I week in California, Road Trip Planning
Replies: 64
Views: 3488

Re: I week in California, Road Trip Planning

I saw where you were going, digarei. :D Sacramento isn't as exciting as San Francisco, sure. But it is immensely livable. It's probably one of the few places left in California where someone with our income can plan on retiring in our 50s and raise our kids in a family-friendly neighborhood with co...
by digarei
Sun Feb 25, 2018 9:11 pm
Forum: Investing - Theory, News & General
Topic: Blasphemy... DO PEEK!
Replies: 100
Views: 9356

Re: Blasphemy... DO PEEK!

I’m sure it’s not meant to be taken literally. I agree with you that Jack tends to express positions which are much more flexible than what is often asserted on this forum, or that his quotes are often taken out of context. In this particular case, having listened to him explain the matter, I am no...
by digarei
Sun Feb 25, 2018 6:19 pm
Forum: Investing - Theory, News & General
Topic: Blasphemy... DO PEEK!
Replies: 100
Views: 9356

Re: Blasphemy... DO PEEK!

Not sure it what respect this would be considered blasphemy. ‘Don’t Peek!’ isnt one of the ten commandments or part of ancient scripture. It remains a delightful metaphor used by Jack Bogle to encourage people to invest early so that they can obtain the result of compounding of earnings and dividend...
by digarei
Sun Feb 25, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: I week in California, Road Trip Planning
Replies: 64
Views: 3488

Re: I week in California, Road Trip Planning

. Pay no attention to the posters above who are promoting Sacramento. It’s a dismal place with nothing to see. Rats everywhere. Venomous snakes. High crime. Chicken pox, scurvy, malaria. Plus, you’ll be bored . And cold... cuz it’s bitter cold in the winter, which lasts all year. And then it’s mise...
by digarei
Sun Feb 25, 2018 2:42 am
Forum: Personal Consumer Issues
Topic: I week in California, Road Trip Planning
Replies: 64
Views: 3488

Re: I week in California, Road Trip Planning

. Pay no attention to the posters above who are promoting Sacramento. It’s a dismal place with nothing to see. Rats everywhere. Venomous snakes. High crime. Chicken pox, scurvy, malaria. Plus, you’ll be bored . And cold... cuz it’s bitter cold in the winter, which lasts all year. And then it’s miser...
by digarei
Sat Feb 24, 2018 5:02 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento, CA Area Chapter - Master Thread
Replies: 90
Views: 21316

SABH ~ March 2018

. ... This thread has been updated with information about Sacramento Area Bogleheads' next meeting in the month of March 2018 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Read the first post for...
by digarei
Sat Feb 24, 2018 2:31 am
Forum: Forum Issues and Administration
Topic: Blank line doubling
Replies: 30
Views: 2811

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: 118
Views: 10488

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: 118
Views: 10488

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: 118
Views: 10488

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: 30
Views: 2811

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: 30
Views: 2811

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: 1223

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: 30
Views: 2811

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: 30
Views: 2811

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: 30
Views: 2811

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: 668

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: 8810

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: 303

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: 303

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: 1871

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: 6393
Views: 1371315

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: 2291

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: 2291

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: 5926

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: 6393
Views: 1371315

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: 3468

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: 2099

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: 2851

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: 2210

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 ...