Search found 1357 matches

by scone
Thu Sep 22, 2016 6:56 am
Forum: Investing - Help with Personal Investments
Topic: Why is QSPIX steadily declining?
Replies: 26
Views: 2964

Re: Why is QSPIX steadily declining?

"The more interesting question is whether you can get more return for the same amount of risk or less risk for the same return, not simply superior risk/return at lower levels of both risk and return." Yes, obviously, that's always the case. I only used the long bond as an example, because...
by scone
Wed Sep 21, 2016 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Why is QSPIX steadily declining?
Replies: 26
Views: 2964

Re: Why is QSPIX steadily declining?

^I'm expressing myself poorly. Just to clarify, what I meant was this. What would happen if you repeated Nisi's experiment, substituting a variety of alternatives, rather than QSPIX? If you could find some combo that worked like that, then the 90% Lifestrategy, 10% QSPIX combo might be giving better...
by scone
Wed Sep 21, 2016 10:02 am
Forum: Investing - Help with Personal Investments
Topic: Why is QSPIX steadily declining?
Replies: 26
Views: 2964

Re: Why is QSPIX steadily declining?

^ Yes, indeed. But another question. Could you "diversify" Lifestrategy with some other investment that would give you better results than "pure" Lifestrategy? If that's the case, it implies (to me at least) that the Nisi results might be as much a diversification effect as a QSP...
by scone
Sat Sep 17, 2016 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Do you really need 2.5 million to retire well?
Replies: 247
Views: 37977

Re: Do you really need 2.5 million to retire well?

You can't assume your retirement date is totally under your control, so it might be prudent to save more. Older people can lose their jobs, become ill and unable to work, anything can happen. In our case DH was offered an early retirement buy-out because his MegaCorp wanted to close the office. It w...
by scone
Thu Sep 15, 2016 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: First post. 31 yr old with two Roths, 401K, and 403B. Some help please!
Replies: 29
Views: 1645

Re: First post. 31 yr old with two Roths, 401K, and 403B. Some help please!

I would build up a good sized emergency fund, at least five figures, even if it means slowing down on student loan repayment. You don't want to get into a situation where you max out your credit card, and are forced to do a payday or car title loan.
by scone
Thu Sep 15, 2016 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: I am going to stop tilting. Sanity check.
Replies: 66
Views: 5963

Re: I am going to stop tilting. Sanity check.

I tilt precisely because it helps me "stay the course" with all my funds. It appeals to my frugal, bargain-hunting nature, and keeps me from feeling like I overpaid for all my stocks.
by scone
Tue Sep 13, 2016 1:26 pm
Forum: Investing - Theory, News & General
Topic: Presidential Election Insurance, Use T-Bills?
Replies: 65
Views: 3646

Re: Presidential Election Insurance, Use T-Bills?

Judging by the last couple of days, it's not the election that's worrying Mr. Market, it's the Fed.
by scone
Tue Sep 13, 2016 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: I am going to stop tilting. Sanity check.
Replies: 66
Views: 5963

Re: I am going to stop tilting. Sanity check.

Maybe send a message to Robert T asking him to chime in here? He's an expert on tilting, and reading his stuff is always educational for us.
by scone
Tue Sep 13, 2016 12:59 pm
Forum: Investing - Theory, News & General
Topic: ["Ignore Forecasts. They're Usually Wrong."]
Replies: 19
Views: 1808

Re: ["Ignore Forecasts. They're Usually Wrong."]

How costly does the fraud have to get, before the fraudsters are thrown in jail? :annoyed
by scone
Tue Aug 16, 2016 11:04 am
Forum: Investing - Theory, News & General
Topic: The annuity puzzle, and a suggestion
Replies: 108
Views: 7165

Re: The annuity puzzle, and a suggestion

Let's say your insurance company goes bust, and you are forced to take a haircut, or a payment delay, or both. You took the risk and lost. Doesn't this imply that you have to "insure" against this possibility, by holding some other ultra safe (cash-like) asset you can use to pay the bills ...
by scone
Mon Aug 01, 2016 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: What is a modest retirement (definition)?
Replies: 66
Views: 6426

Re: What is a modest retirement (definition)?

The basic retirement might be: food, clothing, shelter, medical care. Next up in the scale might be a car, owning your home, the usual appliances, inexpensive hobbies. The notch above that might be better food, alcohol, more expensive hobbies, travel. There's a lot of discretion in where you spend o...
by scone
Mon Aug 01, 2016 4:39 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (July 2016)
Replies: 13
Views: 1874

Re: madsinger monthly report (July 2016)

Is the Hot Hands portfolio some sort of momentum thing?
by scone
Mon Aug 01, 2016 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: "Reverse Engineering" a retirement lifestyle/budget
Replies: 7
Views: 1444

Re: "Reverse Engineering" a retirement lifestyle/budget

We got a very unexpected buyout from DH's company a few weeks ago. DH was originally planning to work another year, even though it wasn't really necessary. It was just hard for him to "let it go" (cue song). I had already retired. Thanks to the Bogleheads, and our habit of radical over-sav...
by scone
Fri Jul 29, 2016 5:25 pm
Forum: Personal Consumer Issues
Topic: Never owned a cell phone.
Replies: 41
Views: 2013

Re: Never owned a cell phone.

^ lolz! :sharebeer
by scone
Fri Jul 29, 2016 5:22 pm
Forum: Personal Consumer Issues
Topic: Breathe Right nasal strips: more economical alternative?
Replies: 16
Views: 1436

Re: Breathe Right nasal strips: more economical alternative?

My DH lost a lot of weight, and started using two pillows. The two strategies together worked better than either alone. You can also get your partner to use ear plugs, if noise is the only issue. I started doing that years ago, and now I can't sleep without them.
by scone
Fri Jul 29, 2016 5:14 pm
Forum: Personal Consumer Issues
Topic: Preparing financially for our funerals - prepay or not?
Replies: 97
Views: 5739

Re: Preparing financially for our funerals - prepay or not?

The late Duchess of Devonshire was buried in a wicker casket, made on the home farm. Rather chic.
by scone
Wed Jul 27, 2016 7:03 am
Forum: Investing - Theory, News & General
Topic: John Bogle's home
Replies: 36
Views: 6708

Re: John Bogle's home

I'm vacationing in a modest home right now. It's on the market for almost two million. 8-)
by scone
Thu Jul 21, 2016 1:32 pm
Forum: Personal Consumer Issues
Topic: What really happens to people who run out of their money in retirement
Replies: 61
Views: 9037

Re: What really happens to people who run out of their money in retirement

What happens if you have Alzheimer's, no family, and no money?
by scone
Thu Jul 21, 2016 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: Just got back from Europe...ready to sell my International...
Replies: 82
Views: 9747

Re: Just got back from Europe...ready to sell my International...

I remember NYC in the 70s. It was bad, really scary. I could have bought a TriBeCa loft for almost nothing, but I was too spooked. That property is likely worth millions today. Just saying.
by scone
Thu Jul 07, 2016 5:24 pm
Forum: Investing - Theory, News & General
Topic: Actionable Advice: What to do if Japan happens here?
Replies: 36
Views: 3578

Re: Actionable Advice: What to do if Japan happens here?

I strongly prefer the "Japan scenario" to the "nuclear annilation scenario," or the "asteroid extinction event" scenario, or the "pandemic virus" scenario. Seriously, low returns with low inflation doesn't seem like the end of all things. In fact, if the Japan...
by scone
Thu Jul 07, 2016 5:13 pm
Forum: Personal Consumer Issues
Topic: A nice wrist watch under $1500
Replies: 42
Views: 3000

Re: A nice wrist watch under $1500

I like the Hamilton watches. The Ventura is very unusual, it was in Men in Black, among other things. Lots of character.
by scone
Thu Jul 07, 2016 5:05 pm
Forum: Investing - Theory, News & General
Topic: Monetary policy is (barely) carrying the world
Replies: 29
Views: 1705

Re: Monetary policy is (barely) carrying the world

Cullen Roche has an article in PragCap where he suggests that the period we are now living in represents a reversion to a much longer term "normal" from a period of unusually good returns. He called the article "The Great Normalization," and suggests that what this period lacks i...
by scone
Tue Jun 28, 2016 10:23 am
Forum: Personal Consumer Issues
Topic: Alternatives to Traditional Pasta?
Replies: 52
Views: 3224

Re: Alternatives to Traditional Pasta?

Basmati brown rice works well in "pasta" salad recipes, and it doesn't fall apart like rice pastas can. Wild rice, IIRC, is gluten free, and that works well with rice.
by scone
Sun Jun 26, 2016 12:31 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3145
Views: 735218

Re: U.S. stocks in freefall

I just took a peek, and our portfolio got knocked all the way back to June 3. Meh.

BTW, DH retired on June 21. :sharebeer
by scone
Fri Jun 24, 2016 10:36 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3145
Views: 735218

Re: U.S. stocks in freefall

It might be one of Livesoft's RBDs, though. :happy Ha! RBDs on a Friday do not have to acted upon. The Monday after a Friday RBD is always interesting. The weekend gives people time to look at their portfolios and make interesting decisions. Tru dat. The acrid smell of hair on fire has only just be...
by scone
Fri Jun 24, 2016 9:27 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3145
Views: 735218

Re: U.S. stocks in freefall

I doubt I will hit my rebalancing band on the first day, but I will peek to see later. It might be one of Livesoft's RBDs, though. :happy
by scone
Fri Jun 24, 2016 5:54 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3145
Views: 735218

Re: U.S. stocks in freefall

It's my birthday, so I think I'll buy myself some stocks and maybe a little trip to old Blighty... :D
by scone
Thu Jun 23, 2016 10:26 pm
Forum: Investing - Theory, News & General
Topic: Actionable advice in a Brexit scenario
Replies: 162
Views: 16898

Re: Actionable advice in a Brexit scenario

If the pile on into Treasuries lasts, mortgage rates could drop. So plan on buying property after you get back from England. :)
by scone
Sun Jun 12, 2016 5:53 am
Forum: Investing - Theory, News & General
Topic: Crazy housing market
Replies: 77
Views: 9074

Re: Crazy housing market

For me, the big question is, how long will this last before it blows up again? :shock:
by scone
Sun Jun 12, 2016 5:48 am
Forum: Investing - Theory, News & General
Topic: 10 Year Treasury low yield
Replies: 45
Views: 4121

Re: 10 Year Treasury low yield

For those of you that are only concerned with their bond coupons to fund their retirement, congratulations on having assets large enough that you can live on 1 or 2 % of just the FI portion of your portfolio. If you have that much why are you spending time on this board instead of on your yacht in ...
by scone
Wed Jun 01, 2016 8:05 am
Forum: Personal Finance (Not Investing)
Topic: It's not shady to move States for tax reasons is it?
Replies: 48
Views: 4943

Re: It's not shady to move States for tax reasons is it?

Welcome to New Hampshire, Live Free or Die! And remember, even though we have no income tax, the property taxes can really bite, much like our local blackflies. :D
by scone
Sat May 28, 2016 11:51 am
Forum: Investing - Theory, News & General
Topic: I can't believe I am thinking this
Replies: 211
Views: 50550

Re: I can't believe I am thinking this

Thank you, Sheepdog. You had the guts to tell it like it is, even if it was very unpleasant. I've learned a lot from you, especially about the value of cash, which, quoting Yogi, "is just as good as money!"
:sharebeer
by scone
Thu May 26, 2016 3:38 am
Forum: Personal Finance (Not Investing)
Topic: Is Real Estate Market going crazy again?
Replies: 101
Views: 10624

Re: Is Real Estate Market going crazy again?

Boston metro definitely getting warmer. I put my house on the market last week and had three full price offers in 3 days, with seven showings. But I wasn't able to find anything equivalent to rent, at even double the price, so I took it off the market! Just an anecdote, but still.
by scone
Wed Apr 06, 2016 11:12 am
Forum: Investing - Theory, News & General
Topic: Why own (non-index) mutual funds at all?
Replies: 43
Views: 4054

Re: Why own (non-index) mutual funds at all?

Some things aren't always indexed, and they aren't mutual funds. Stable value funds, for example. IIRC the iShares gold trust, IAU, is not indexed, nor GLD. Some of the alternatives are not indexed, like the AQR funds. A brokered CD isn't indexed. Real estate in a Roth obviously isn't indexed. Nor i...
by scone
Wed Apr 06, 2016 10:48 am
Forum: Investing - Theory, News & General
Topic: [DOL Rule on Fiduciary Standard is Released]
Replies: 105
Views: 6328

Re: Thoughts on ObamaRule?

DH's 401k used to be a mishmash of active and passive funds, some very expensive. Then the company was hit by class action lawsuits, and things got a lot better. Hopefully this new rule will help; at any rate the trend to low cost investing is pretty entrenched at this point.
by scone
Wed Mar 30, 2016 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Job in Mountain View, CA
Replies: 21
Views: 2516

Re: Job in Mountain View, CA

It's expensive, crowded, polluted, loud, and feels like a company town. Actually, it feels like a cross between a company town and a military base-- on a generation space ship. A strangely disconnected culture, where almost everybody seems to work in tech. Personally, I'd prefer my kids lived in a m...
by scone
Sun Mar 27, 2016 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Housing Prices Trajectory in the Bay Area?
Replies: 77
Views: 6903

Re: Thoughts on Housing Prices Trajectory in the Bay Area?

Have you considered the Livermore - Pleasanton area? Decent spot, much cheaper prices. It's a longer commute, but for 5 years, you could likely handle it. Might not appreciate as much as SF, but if prices drop, you haven't lost as much.
by scone
Sun Mar 27, 2016 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Home too small
Replies: 45
Views: 4603

Re: Home too small

Before you talk to an architect or a bank, go down to your local planning department and figure out your "buildable envelope." That's the space you could theoretically build on, once you subtract setbacks, easements, obstacles like septic systems, and so on. Once you have a realistic build...
by scone
Fri Mar 25, 2016 9:18 am
Forum: Personal Finance (Not Investing)
Topic: sellers want us to waive financing contingency
Replies: 80
Views: 7012

Re: sellers want us to waive financing contingency

This isn't baseline normal, even in a relatively hot market. But buyers and sellers can ask for anything at all-- doesn't mean they'll get it. Maybe the sellers had a previous offer fall through because buyers could not get financing, hence this play. I would not go along with it, but my motto is, &...
by scone
Mon Mar 21, 2016 6:47 am
Forum: Investing - Help with Personal Investments
Topic: Retired and Risk Averse - Suggestions Please
Replies: 27
Views: 2560

Re: Retired and Risk Averse - Suggestions Please

20% S + P 500 5% International 35% Short duration Treasury bond fund 35% Intermediate duration Treasury bond fund 5% Treasury money market Treasuries tend to rise when the stock markets are tanking, which reduces the total amount of money you lose in that situation. Splitting the Treasury bond funds...
by scone
Sat Mar 12, 2016 7:44 am
Forum: Investing - Theory, News & General
Topic: Your stock funds closed at highest [so far] of 2016 today
Replies: 35
Views: 4669

Re: Your stock funds closed at highest [so far] of 2016 today

Who cares? I don't. I'm in it for the long haul. Those who didn't rebalance should care because maybe they will not miss the next chance. And those that did rebalance may need to start rebalancing out of equities if they have hit their rebalance trigger bands. Yep, that's me. For once I actually bo...
by scone
Mon Mar 07, 2016 8:58 am
Forum: Personal Consumer Issues
Topic: Anything to look for when buying a fridge?
Replies: 38
Views: 3353

Re: Anything to look for when buying a fridge?

I tend to go for the simplest, cheapest appliances that meet my specs, have a pretty good repair history, and a lot of local people who are willing to work on the brand. All other things being equal, I'd rather buy something made in America. The one I have now is a bottom freezer Amana, no fancy bel...
by scone
Mon Mar 07, 2016 8:50 am
Forum: Personal Finance (Not Investing)
Topic: We paid off our mortgage ...what to do with the extra money each month?
Replies: 28
Views: 4204

Re: We paid off our mortgage ...what to do with the extra money each month?

Toons wrote:I suggest continue placing the monthly "hypothetical " mortgage payment in the taxable investment of your choice.
It worked for me.
:happy

^ This. If you resist "lifestyle inflation," you have a shot at the big prize: financial independence.
by scone
Wed Feb 24, 2016 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Frustrated wtih how boring personal finance is
Replies: 40
Views: 4543

Re: Frustrated wtih how boring personal finance is

How about a new, difficult goal, like early retirement?
by scone
Sun Feb 21, 2016 10:20 am
Forum: Personal Consumer Issues
Topic: Selling historic house
Replies: 17
Views: 1943

Re: Selling historic house

"I have a buyer for your home" is a standard lead generation technique, it has nothing to do with the historic nature of the house. If you google "I have a buyer for your home," you will see how agents use this technique to drive leads in their "farm" area. If you reall...
by scone
Tue Feb 16, 2016 9:14 pm
Forum: Investing - Help with Personal Investments
Topic: Am I well diversified?
Replies: 15
Views: 1913

Re: Am I well diversified?

Welcome. You're on the right track, but you could speed things up if you choose. A 50% savings rate is possible, and with 250k in salary, it should be no hardship. As for your investments, look for the ones with the lowest expense ratio (check this board's wiki). You should only need a few stock fun...
by scone
Tue Feb 16, 2016 8:48 pm
Forum: Personal Consumer Issues
Topic: kitchen remodeling-why is it the norm?
Replies: 95
Views: 8888

Re: kitchen remodeling-why is it the norm?

A 30 year old kitchen is probably pretty worn, you just don't see it. It's also likely to be outdated in terms of functionality and efficiency. No one wants to spend hours cleaning tile countertop grout with bleach and a toothbrush today, no matter how "perfectly good" It is, because we ha...
by scone
Tue Feb 16, 2016 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Considering $ impacts of a move from MA to NH
Replies: 12
Views: 1239

Re: Considering $ impacts of a move from MA to NH

FWIW, I live in southern NH and haven't found a lot of little fees. What I have found, is more driving to get to entertainment venues, i.e., music, museums, etc. It's very quiet here, and the natural world is beautiful, but not a lot going on otherwise. We have even found it very difficult to get pe...
by scone
Thu Feb 11, 2016 2:09 pm
Forum: Investing - Theory, News & General
Topic: Yellen: "We're taking a look at negative interest rates."
Replies: 56
Views: 7349

Re: Yellen: "We're taking a look at negative interest rates."

(In before the lock.) Since you are a young person, you shouldn't be bothering with this stuff at all. Stick to plain vanilla bond funds, raise your savings rate, and focus on your career or business. Investing in yourself, making yourself more marketable, and having all the boring financial ducks i...

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