Search found 57 matches

by invest0
Mon Sep 18, 2017 9:45 am
Forum: Investing - Help with Personal Investments
Topic: math on determining rebalancing bands?
Replies: 6
Views: 460

math on determining rebalancing bands?

A bit new to this - read The Boglehead's Guide to Investing and started investing in 2013. $1.5M in assets, three fund: 40% U.S. equities, 40% bonds, 20% international, 33 years old. In my IPS, I set rebalancing bands at an absolute 5%. Does that seem high? Now that I think back, I don't recall read...
by invest0
Wed Jan 11, 2017 6:03 pm
Forum: Investing - Theory, News & General
Topic: Seed stage "index fund"
Replies: 12
Views: 1306

Re: Seed stage "index fund"

4) The thread was about the existence of a venture capital index fund, not the wisdom of investing in it Actually, I was curious to get expert takes on the latter; have just been here quietly enjoying the conversation. They do indeed exist, at least by some definition; I'm aware of at least two tha...
by invest0
Tue Jan 10, 2017 10:21 pm
Forum: Investing - Theory, News & General
Topic: Seed stage "index fund"
Replies: 12
Views: 1306

Re: Seed stage "index fund"

Is there a link to the index fact sheet by the index publisher? PJW There are a few seed stage "index funds" out there now. I didn't have a specific fund in mind. I imagine they each have prospectuses, but none I have access to currently. I do suspect there would be quite a lot of other a...
by invest0
Tue Jan 10, 2017 7:11 pm
Forum: Investing - Theory, News & General
Topic: Seed stage "index fund"
Replies: 12
Views: 1306

Seed stage "index fund"

Had the opportunity to meet Rafe Furst a few months back through some mutual connections. Ended up witnessing a debate between he and a venture capitalist that hand-picks all his investments. Rafe's premise reminded me a lot of the Boglehead philosophy; basically pointing out that even the best VC f...
by invest0
Fri Sep 30, 2016 1:42 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 1002
Views: 172212

Re: Tesla S

I believe you are sincere that you enjoy 45 minute breaks every 2 hours on a long trip, but I find the concept ridiculous (Especially that you can't stop anywhere you want to explore, but only in designated SuperCharger locations). Serious question - is that still the case? Last I'd seen, it was go...
by invest0
Tue Mar 22, 2016 9:32 am
Forum: Investing - Theory, News & General
Topic: Finding a Boglehead-friendly 401(k) broker
Replies: 9
Views: 1084

Re: Finding a Boglehead-friendly 401(k) broker

Man, this clearly runs more complex than I realized at first. It sounds like a Simple IRA may be the ideal starting point. A SIMPLE IRA is generally the simplest, lowest cost, with a substantial contrubution option for a small business of your size, but you stated in the OP that you couldn't afford...
by invest0
Mon Mar 21, 2016 11:21 pm
Forum: Investing - Theory, News & General
Topic: Finding a Boglehead-friendly 401(k) broker
Replies: 9
Views: 1084

Re: Finding a Boglehead-friendly 401(k) broker

How long have the employees been with you? Varies (obviously). Two weeks to four years. Depending on the length of employment, you should explore SEP, Simple IRA and 401K. SEP is a great way to reward employees that have worked with your company for at least 3 years. It's really easy to administer....
by invest0
Mon Mar 21, 2016 6:15 pm
Forum: Investing - Theory, News & General
Topic: Finding a Boglehead-friendly 401(k) broker
Replies: 9
Views: 1084

Finding a Boglehead-friendly 401(k) broker

I'm a small business owner with 7 salary employees. My accountant has suggested that we setup a 401(k) even though I can't afford to do employer matching right now. It would definitely make sense for me, as I tend to invest quite a bit in taxable accounts and max a Traditional IRA. I'm curious- 1. I...
by invest0
Thu Jan 14, 2016 11:46 am
Forum: Personal Consumer Issues
Topic: Lima, Peru advice
Replies: 23
Views: 2650

Re: Lima, Peru advice

Loved Peru! Get some Cebiche and Causas (though probably not at the same time). Wash it all down with a Pisco Sour. We stayed in Mira Flores while in Lima, which is nice, but I kind of wish we explored less upscale/touristy areas a bit more. The downtown area around the palaces is really fantastic. ...
by invest0
Fri Jul 24, 2015 12:03 pm
Forum: Investing - Theory, News & General
Topic: Why I Said "No" to Peer-to-Peer Lending
Replies: 66
Views: 8511

Re: Why I Said "No" to Peer-to-Peer Lending

I spent some time as a LendingClub investor, and also know someone that received a successful loan through the site to consolidate credit card debt and get on track. The results were great, 10%+, but it took forever to get enough funded loans in a totally diversified manner. I'd go through all the d...
by invest0
Tue Jun 09, 2015 8:50 am
Forum: Forum Issues and Administration
Topic: SSL Labs test on Bogleheads.org: F and C grades
Replies: 24
Views: 6150

Re: SSL Labs test on Bogleheads.org: F and C grades

I recently just optimized my agency's site to a perfect A scoring now that there's some SEO paranoia by going all-SSL. Glad to help if the site admins need it - here's a basic guide though: m Can get most of the way there just by updating Ciphers (detailed in the link). Also realize that they're als...
by invest0
Sat Apr 25, 2015 11:16 am
Forum: Personal Consumer Issues
Topic: taking break from computer use - to avoid back pain
Replies: 17
Views: 1153

Re: taking break from computer use - to avoid back pain

Look into standing desks.

I kind of makeshift one from boxes. Just doing that for part of the day seems to leave me much more energized/focused. No back pain either.

Humans really aren't meant to sit for more than a couple hours at once.
by invest0
Sat Apr 25, 2015 11:13 am
Forum: Investing - Theory, News & General
Topic: Who follows Age in Bonds
Replies: 67
Views: 8705

Re: Who follows Age in Bonds

Am 30 but doing a 60/40, for the reason that I sold a business and got it with a big lump sum just a year ago.

Waiting for time to pass / possibly a bear before going fully age in bonds.

That is, if at all, as the idea of an early semi-retirement is appealing.
by invest0
Thu Nov 13, 2014 10:50 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 729
Views: 133314

Re: Boglehead Beer

PBR?

:sharebeer
by invest0
Fri Nov 07, 2014 12:03 pm
Forum: Personal Consumer Issues
Topic: Uber Car and the real cost of driving
Replies: 71
Views: 10288

Re: Uber Car and the real cost of driving

Also live in Chicago and UberX most everywhere now. If you have a couple people with you, it's even cheaper than mass transit half the time. Usually it's not hard to find the total cost of ownership of a car if you Google. So far selling my own and using UberX has been a huge positive here. Couldn't...
by invest0
Tue Oct 14, 2014 2:00 pm
Forum: Personal Consumer Issues
Topic: Ebola preparation
Replies: 55
Views: 3887

Re: Ebola preparation

Considering that Ebola is less contagious than rabies and thousands of other diseases you're not hearing about, my advice is to turn off T.V. news and the rest of the mainstream media. Then stop worrying. You're still statistically more likely to be dumped by Tailor Swift in the United States. If yo...
by invest0
Thu Oct 02, 2014 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Would you buy a house in cash if you had enough?
Replies: 59
Views: 8293

Re: Would you buy a house in cash if you had enough?

Was recently in a nearly identical situation last month. We took a 15 year mortgage @ 3% instead, as over the next 15 years, I am betting to outperform with a conservative 60/40 asset allocation. That said, there are obvious pros and cons, and if the peace of mind of having the home paid off is more...
by invest0
Sun Sep 14, 2014 6:59 pm
Forum: Personal Consumer Issues
Topic: External backup drives - Seagate vs Western Digital
Replies: 43
Views: 4756

Re: External backup drives - Seagate vs Western Digital

Here are 475 more reviews about that one to add to the 1 on Costco's site. m No experience myself, but seems a little lackluster. I actually just bought this one and can't stop raving about it: m Synology 213j NAS with two 3TB Western Digital Caviar Red drives for $430. Going with the diskless and b...
by invest0
Fri Aug 15, 2014 4:29 pm
Forum: Personal Consumer Issues
Topic: Who sells fresh coffee that is not as strong as Starbucks?
Replies: 50
Views: 3832

Re: Who sells fresh coffee that is not as strong as Starbuck

There are basically two types of coffee beans... arabica and robusta. Robusta has very high caffeine content, arabica does not. Arabica also tends to have much better flavor. Most of the time you see some blend of the two, but Starbucks is near 100% robusta. Typically in the U.S., people go nuts ove...
by invest0
Thu Aug 07, 2014 1:15 pm
Forum: Investing - Theory, News & General
Topic: Vanguard computer security
Replies: 67
Views: 5422

Re: Vanguard computer security

This (what Vanguard posted in the link above) was definitely NOT reassuring. They seem to think the "two factor authentication" means using your password (a given) AND having a cookie from previous visit(s). "...One key defense against online risk starts with each client's computer. ...
by invest0
Thu Jul 24, 2014 11:48 am
Forum: Investing - Theory, News & General
Topic: Consumer Staples > Total Index?
Replies: 9
Views: 2021

Re: Consumer Staples > Total Index?

This is fantastic, thanks everybody. :)

I was skeptical myself, but honestly just wasn't seeing a way to pick this apart.
by invest0
Tue Jul 22, 2014 7:15 pm
Forum: Investing - Theory, News & General
Topic: Consumer Staples > Total Index?
Replies: 9
Views: 2021

Consumer Staples > Total Index?

Obviously a bit of clickbait in this title, for this audience. But this blog struck me as interesting: m m and m I think at least most of us would agree with the notion of "boring is good" as indexers. But looking at the last 50 years, it seems that the consumer staples sector has both app...
by invest0
Sun Jun 15, 2014 3:40 pm
Forum: Investing - Theory, News & General
Topic: Buffett chooses S&P 500
Replies: 16
Views: 4605

Re: Buffett chooses S&P 500

Leesbro63 wrote:
"If"?


* evil Warren Buffett laugh *
by invest0
Fri Mar 07, 2014 11:28 am
Forum: Investing - Theory, News & General
Topic: Cash for Bear Market investing
Replies: 63
Views: 4835

Re: Cash for Bear Market investing

No cash outside of a sizable emergency fund (which my IPS says I won't invest). Like you though, I imagine, I am a somewhat newer Boglehead. I'm also a bit younger than I expect most of this crowd (30). One thing that I am doing, which maybe people can tell me if I'm crazy or not, is holding a 60-40...
by invest0
Thu Feb 27, 2014 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: Tesla Motors Stock
Replies: 260
Views: 40858

Re: Tesla Motors Stock

And remember that Tesla only sells high end (expensive cars)...the vast majority of MBs 275k cars are their CLA class cars (they start at $30k). To that I say, you're describing TSLA's exact plan for the Model E. And, all of those Mercedez B-Class cars are already running on Tesla batteries and dri...
by invest0
Wed Feb 19, 2014 6:50 pm
Forum: Investing - Theory, News & General
Topic: $16 Billion for WhatsApp?!?!?!
Replies: 51
Views: 5235

Re: $16 BILLION for WhatsApp?!?!?!

They seem to want control over how those 450 million users communicate - not far off from 1/16th of the world population. You really don't need more than a few people to run a billion dollar company anymore. They can just buy and/or borrow the technology written by the millions that came before them.
by invest0
Wed Feb 19, 2014 1:09 am
Forum: Investing - Help with Personal Investments
Topic: Tesla Motors Stock
Replies: 260
Views: 40858

Re: Tesla Motors Stock

Lets not ignore the reviews of Tesla reliability by former celebrity owners. m Had to disable my Murdoch Block plugin. Clooney's quote begins: "I had a Tesla. I was one of the first cats with a Tesla," Elon Musk has had to answer to this particular hit repeatedly. Clooney did not own a Mo...
by invest0
Tue Feb 18, 2014 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Tesla Motors Stock
Replies: 260
Views: 40858

Re: Tesla Motors Stock

Yep, hilarious to see all the criticism and charting links this got when TSLA was at $100 a share. Now here we are at $200. I could see it continuing well past TSLA growing into a Google-like chart. They have to do some enormous things, obviously, for the kinds of expectations that are priced in to ...
by invest0
Sat Feb 08, 2014 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: Poll: Which fixed income investment should livesoft choose?
Replies: 88
Views: 7748

Re: Poll: Which fixed income investment should livesoft choo

Could someone explain these two, possibly with specific examples? 3% guaranteed stable value fund, fully liquid 4.5% current-rate stable value fund with only a 2.5% guaranteed with limited liquidity (payout takes 9 years and day after starting payout) Considering the availability of something guaran...
by invest0
Fri Feb 07, 2014 2:52 pm
Forum: Personal Consumer Issues
Topic: I'm feeling old today
Replies: 97
Views: 9217

Re: I'm feeling old today

Jay69 wrote:I remember Jonny Carson's last show and now Jay Leno's last show.


I remember Jay Leno's last last show.
by invest0
Wed Feb 05, 2014 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: $10+ M, age 49, seeking wisdom regarding retirement
Replies: 61
Views: 12122

Re: $10+ M, age 49, seeking wisdom regarding retirement

. . . considering shutting down small business that is no longer interesting/challenging to me. I'd simplify it to that. What is interesting/challenging to you? You could write a book, mentor, consult, become an artist, a philanthropist, do all sorts of things that might indeed be challenging to yo...
by invest0
Sat Feb 01, 2014 2:21 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle: Forget EM Drops
Replies: 8
Views: 2527

Re: Jack Bogle: Forget EM Drops

"John Bogle, Vanguard founder provides his economic forecast for 2014"

:B
by invest0
Fri Jan 24, 2014 1:37 am
Forum: Personal Consumer Issues
Topic: Is it nuts to log on to your Vanguard account at the public
Replies: 33
Views: 3946

Re: Is it nuts to log on to your Vanguard account at the pub

When I worked for a major public library system, the PCs would reboot after a customer would use them, and a cleaning program would supposedly sanitize the machine of all malware and such. But I still wouldn't recommend using a public computer for anything involving sensitive logins. Note- I'm a bi...
by invest0
Sat Jan 18, 2014 5:10 pm
Forum: Investing - Theory, News & General
Topic: technology's impact
Replies: 18
Views: 1573

Re: technology's impact

fatlever wrote:I've been thinking about this topic and been putting off reading this book. Your post just made me order it on kindle to read on a lazy Saturday afternoon.


Nice! I was looking at this one too after seeing Andrew McAfee quoted in one of these articles. You'll have write a review. :)
by invest0
Sat Jan 18, 2014 5:00 pm
Forum: Investing - Theory, News & General
Topic: technology's impact
Replies: 18
Views: 1573

Re: technology's impact

...But as a developer/business owner myself, I can see plainly that even those roles have a very finite lifetime... honestly, it feels like I could launch a startup with the goal of killing any category of job and probably succeed within another 10 years. WOW! Where do I start? Please launch a star...
by invest0
Sat Jan 18, 2014 4:58 pm
Forum: Investing - Theory, News & General
Topic: technology's impact
Replies: 18
Views: 1573

Re: technology's impact

Necessary jobs? If you think technology is going to take over the world, then the necessary jobs are to create, build, deliver, repair, and recycle that technology. That's a logical response. But even if humans were needed for those bits, we certainly don't need billions of robot tenders. Machines ...
by invest0
Sat Jan 18, 2014 4:00 pm
Forum: Investing - Theory, News & General
Topic: technology's impact
Replies: 18
Views: 1573

technology's impact

Re: m ... and countless other such articles that I've noticed growing in popularity on tech sites. As I've finally eased my mind to the Boglehead philosophy in most ways, there just one topic that still keeps me up thinking/reading, and I couldn't find it discussed on these boards at all. I really h...
by invest0
Fri Dec 27, 2013 12:20 pm
Forum: Personal Consumer Issues
Topic: How many folks have a dog?
Replies: 112
Views: 11163

Re: How many folks have a dog?

Adopted a rescue a few months back, great pup (mix appears to be something a jackshund). Pure unending energy. Adorable though. Loves all people and other dogs. Some mild abandonment issues and will eat everything you put in front of her (apparently common in rescue dogs). All in all one of the best...
by invest0
Tue Dec 17, 2013 12:20 pm
Forum: Personal Consumer Issues
Topic: Evernote anyone?
Replies: 6
Views: 1088

Re: Evernote anyone?

I mostly use it with Skitch (screenshot app for Mac) while doing online marketing consulting - great for snapping a little piece of a website and then drawing all over it for fast visual aids in an email. Past that, the web app is pretty simple, just keeps notes organized. And there are tons of othe...
by invest0
Wed Dec 11, 2013 1:07 pm
Forum: Personal Consumer Issues
Topic: What's your definition of "drive it into the ground?"
Replies: 50
Views: 5449

Re: What's your definition of "drive it into the ground?"

Ha, I had an '02 of the exact same car. Said the exact same thing about it, it was pretty much a perfect car to just keep driving. Have head's up display?

I eventually caved after 5 years and it started to develop some odd behavior, traded it in for blue book value.
by invest0
Thu Dec 05, 2013 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Investing lump sums
Replies: 14
Views: 2053

Re: Investing lump sums

Oft debated. Here's my understanding of the lump sum: PRO: Statistically, I believe that you're more likely to profit in a lump-sum investment. The market goes up more than it goes down. CON: Lack of time diversification means that you could invest right on the brink of a 2001 type event and see a d...
by invest0
Tue Nov 19, 2013 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: What program to estimate taxes
Replies: 4
Views: 686

Re: What program to estimate taxes

Google Spreadsheets has always treated me nice for that. That is, if you understand your situation. I supplement it with Mint.com (free) to keep a quick monitor on all of my accounts at once and Outright ($8/month) to do bookkeeping for my little online business. These each estimate taxes OK for a l...
by invest0
Wed Nov 13, 2013 11:21 am
Forum: Investing - Theory, News & General
Topic: Lending Club Notes Sell Out
Replies: 17
Views: 3182

Re: Lending Club Notes Sell Out

Same experiences as many here- the returns are nice (I'm nearing the end of 3 years on many now with very few defaults), the concept seems sound. I like a little diversification of lending to individuals rather than government/corporate bonds (I never do the small business loans via the site, as the...
by invest0
Sat Nov 09, 2013 10:59 am
Forum: Investing - Help with Personal Investments
Topic: best place to park $200K for a year?
Replies: 22
Views: 3203

Re: best place to park $200K for a year?

The best solution I've found would be the most high interest savings account you can find on BankRate (probably AMEX or Discover at 0.85% right now).

Maybe a piece of it could go into I-Bonds.

I'd be curious as well if there's a better option.
by invest0
Wed Nov 06, 2013 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in a private company
Replies: 13
Views: 1119

Re: Investing in a private company

In college I started a private tech company at 50% ownership with one of my oldest friends. Merged it with another company after a few years resulting in 25% equity. Over the course of 7 years I witnessed probably more than 50 other companies with similar arrangements see total meltdowns, people beh...
by invest0
Wed Nov 06, 2013 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund
Replies: 13
Views: 2096

Re: Emergency Fund

I've also been in a similar situation (hefty emergency fund in a few 0.85% high interest savings, maybe half going towards a house downpayment in the coming years, but that depends on life). Left pondering the best placement for it as well. What are the general thoughts on getting a 5 year CD that j...
by invest0
Tue Oct 22, 2013 2:44 pm
Forum: Investing - Theory, News & General
Topic: What to Read After the Bogleheads Guide to Investing?
Replies: 25
Views: 3077

What to Read After the Bogleheads Guide to Investing?

I recently read The Boglehead's Guide to Investing . Loved it. Joined this forum. Got much smarter about how I was investing and felt pretty good about having a much stronger foundation behind why I was making investment decisions. It's a beautifully simple approach, which makes me start to wonder a...
by invest0
Sat Oct 05, 2013 2:10 pm
Forum: Investing - Theory, News & General
Topic: Covestor: "Why active management is better than passive"
Replies: 15
Views: 2894

Re: Covestor: "Why active management is better than passive"

Obviously this runs counter to the Boglehead investing mentality. It's an interesting conversation nonetheless. Eric Steiman had actually caught my eye and had me considering giving a chunk of a would-be <5% 'casino budget' too months back, I ultimately opted to hold off. He comes off as pretty reas...