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by tadamsmar
Sat Apr 23, 2016 7:20 pm
Forum: Personal Consumer Issues
Topic: A Month in Manhattan
Replies: 87
Views: 4695

Re: A Month in Manhattan

reggiesimpson wrote:
tadamsmar wrote:I went to a Late Show taping. Tickets are free at showclix.com.
.


Thanks tadamsmar we will definitely hit the show.
Is Johnny Carson still the host?


Stephen Colbert is the host.

(I guess you were kidding?)
by tadamsmar
Fri Apr 22, 2016 7:18 pm
Forum: Personal Consumer Issues
Topic: A Month in Manhattan
Replies: 87
Views: 4695

Re: A Month in Manhattan

I went to a Late Show taping. Tickets are free at showclix.com.
by tadamsmar
Thu Mar 24, 2016 9:48 am
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 486
Views: 105956

Re: Rick Ferri looking to internationalize his portfolio

Rick, In your blog linked in the OP, you said that you were waiting for the media hype after a sovereign debt default in 2015. Here's another blog, posted one year after yours, speculating about a sovereign debt default in 2016 : http://www.marketwatch.com/story/will-2016-be-a-year-of-sovereign-debt...
by tadamsmar
Sat Mar 12, 2016 7:52 am
Forum: Investing - Theory, News & General
Topic: Your stock funds closed at highest [so far] of 2016 today
Replies: 35
Views: 4333

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

A great week in the stock markets just happened. All your stock funds should have closed at the highest level for all of 2016 so far. OK, they did not close higher than on December 31, 2015, but that's gonna happen at some point. And for you that always write that you don't peek, what are you readi...
by tadamsmar
Mon Feb 15, 2016 8:41 pm
Forum: Personal Consumer Issues
Topic: Do your doors leak money on cold days?
Replies: 27
Views: 2509

Re: Do your doors leak money on cold days?

greg24 wrote:I don't store my money near my doors, so this isn't a problem for me.


Properly adjusting your strike plate also has the effect of ensuring that your dead latch works, preventing a thief from carding the door to your house where perhaps some of your valuables are stored.
by tadamsmar
Mon Feb 15, 2016 8:18 pm
Forum: Personal Consumer Issues
Topic: Do your doors leak money on cold days?
Replies: 27
Views: 2509

Re: Do your doors leak money on cold days?

To keep this actionable, does the OP have a door problem that needs fixing? According to the forum rules, it's not actionable "If readers can't do anything with the content of a topic". The readers could fix their door leaks, perhaps using the methods that the writer outlined in the OP. T...
by tadamsmar
Mon Feb 15, 2016 7:46 pm
Forum: Personal Consumer Issues
Topic: Can you do taxes for more than one person with tax software?
Replies: 13
Views: 1034

Can you do taxes for more than one person with tax software?

I know this is perhaps package specific, but I was having trouble quickly figuring out the answer for HR Block software.

My mother in law asked if I can do her taxes. I am wondering if I can do it with the package that I already own. Or will I have to buy another one?
by tadamsmar
Mon Feb 15, 2016 7:34 pm
Forum: Personal Consumer Issues
Topic: Do your doors leak money on cold days?
Replies: 27
Views: 2509

Re: Do your doors leak money on cold days?

There is an interesting idea in this thread. It's the notion that if you don't block all the leaks then there is no point in blocking any of the leaks. You will get infiltration until the pressure is equalized anyway, and the stack effect will cause a relentless inequality of pressures. If a balloon...
by tadamsmar
Mon Feb 15, 2016 7:30 pm
Forum: Personal Consumer Issues
Topic: Do your doors leak money on cold days?
Replies: 27
Views: 2509

Re: Do your doors leak money on cold days?

LadyGeek wrote:To keep this actionable, does the OP have a door problem that needs fixing?


I edited the post to explain the obvious.
by tadamsmar
Mon Feb 15, 2016 7:26 pm
Forum: Personal Consumer Issues
Topic: Do your doors leak money on cold days?
Replies: 27
Views: 2509

Re: Do your doors leak money on cold days?

LadyGeek wrote:To keep this actionable, does the OP have a door problem that needs fixing?


I was looking for better ideas and I may be finding them in this thread.
by tadamsmar
Mon Feb 15, 2016 4:33 pm
Forum: Personal Consumer Issues
Topic: Do your doors leak money on cold days?
Replies: 27
Views: 2509

Re: Do your doors leak money on cold days?

Because of stack effect a door is a minor issue compared to basement and attic. http://www.energyvanguard.com/blog-building-science-hers-bpi/winterizing-your-home-dont-caulk-the-windows I did my attic pull down door first. I ended up putting window locks on it to press it against the seals. You can...
by tadamsmar
Mon Feb 15, 2016 12:03 pm
Forum: Personal Consumer Issues
Topic: Do your doors leak money on cold days?
Replies: 27
Views: 2509

Do your doors leak money on cold days?

I have 3 outside doors (one to my garage). The main door was properly installed and is tight when the dead bolt is engaged. The other two only have dead latches, no dead bolt. One has a adjustable strike plate that can be adjusted to keep it tight. But it's close to to tight and once in a while it d...
by tadamsmar
Mon Feb 15, 2016 6:34 am
Forum: Personal Finance (Not Investing)
Topic: Is a Will required?
Replies: 14
Views: 1434

Re: Is a Will required?

If you or your spouse inherent real estate then it will probably not be joint, so you will have to deal with that. Without a will, it will be divided according to the intestate laws in your state and some might go directly to you kids and not to step-kids that were not adopted by the inherenting spo...
by tadamsmar
Sat Feb 13, 2016 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Is a Will required?
Replies: 14
Views: 1434

Re: Is a Will required?

I have a friend that lives in New Jersey. His wife died recently. Their bank account was a joint account. When the bank found out that his wife died, they froze half of the account assets until he went to the bank with a their will and her death certificate. All of my wife's and my accounts and pro...
by tadamsmar
Wed Feb 10, 2016 10:30 am
Forum: Investing - Help with Personal Investments
Topic: An advantage of merging Vanguard accounts
Replies: 5
Views: 738

Re: An advantage of merging Vanguard accounts

Can you go from MF to stocks quicker also?
by tadamsmar
Mon Feb 08, 2016 8:46 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 486
Views: 105956

Re: Rick Ferri looking to internationalize his portfolio

In your blog, the topic of this thread, you say: Currently, 70% of my stock allocation is in US equity and 100% of my bond allocation is in US bonds. Sometime in 2015, I may shift my portfolio to a more global stock and bond allocation. But now you are making a general argument against shifting to ...
by tadamsmar
Thu Feb 04, 2016 1:03 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 486
Views: 105956

Re: Rick Ferri looking to internationalize his portfolio

I slightly negative on the idea of foreign bonds. I look to fixed income for yield and portfolio stability. From that perspective, there's no advantage to paying more in fees for hedged international bond funds that yield less than US bonds. The slight diversification benefit of owning foreign bond...
by tadamsmar
Thu Feb 04, 2016 10:41 am
Forum: Personal Consumer Issues
Topic: The Coming Boglehead Zombie Apocalypse (LED bulbs)
Replies: 94
Views: 7606

Re: The Coming Boglehead Zombie Apocalypse (LED bulbs)

Bustoff wrote:
tadamsmar wrote:Being a Boglehead, I bought the cheapest LED light bulbs ... I now look like the walking dead.

I gotta have some of those...where did you get them?


Lowes. They were 40 watt, less than $3 for a 2-pack if I recall correctly.
by tadamsmar
Thu Feb 04, 2016 9:56 am
Forum: Personal Consumer Issues
Topic: The Coming Boglehead Zombie Apocalypse (LED bulbs)
Replies: 94
Views: 7606

The Coming Boglehead Zombie Apocalypse (LED bulbs)

Being a Boglehead, I bought the cheapest LED light bulbs and installed them in our master bath over the mirror over the double sink. I now look like the walking dead. My wife (unaware of the changed bulbs) started putting on more make-up like she was prepping for her viewing at a funeral parlor. I f...
by tadamsmar
Fri Jan 29, 2016 1:15 pm
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 263
Views: 25486

Re: Aren't we overdoing electronic auto safety features?

I think automatic emergency braking will be mandated soon. I would not be surprised if NHTSA announces a schedule for that within the next year. NHTSA announced in November that automatic emergency braking, or AEB, will be added to its 5-Star Rating System as a recommended safety technology for mode...
by tadamsmar
Mon Jan 25, 2016 6:25 pm
Forum: Investing - Help with Personal Investments
Topic: Please correct my logic
Replies: 17
Views: 1330

Re: Please correct my logic

Epsilon Delta wrote:
tadamsmar wrote:AUB means the union of sets A and B

The volatility of AUB must be less than or equal to the volatility of A

That's not right. Let A be a $100 bill and B a share of Verizon


Opps!
by tadamsmar
Sun Jan 24, 2016 6:30 pm
Forum: Investing - Theory, News & General
Topic: Jack's nuances. [Jack Bogle vs. fixed income, bonds]
Replies: 44
Views: 3546

Re: Jack's nuances. [Jack Bogle vs. fixed income, bonds]

Quote from Stemiker post, Nuance One. Count Social Security as part of your fixed income allocation. I'm still not sure I agree yet. If this is the case, I could probably just stay with a 60/40 for life and never look back. I consider SS, investments and pensions all as different income streams tha...
by tadamsmar
Sun Jan 24, 2016 8:29 am
Forum: Investing - Help with Personal Investments
Topic: Please correct my logic
Replies: 17
Views: 1330

Re: Please correct my logic

AUB means the union of sets A and B The volatility of AUB must be less than or equal to the volatility of A The volatility of AUB must be less than or equal to the volatility of B So SP500 will always win or tie on volatility. "average underperform" means expected value. Both A and B canno...
by tadamsmar
Sat Jan 23, 2016 10:29 am
Forum: Investing - Theory, News & General
Topic: Vanguard tax filing information
Replies: 0
Views: 366

Vanguard tax filing information

Most probably got this link in an email from Vanguard, but I am posting it here because (like me) you might want to refer to it later:

https://investor.vanguard.com/taxes/
by tadamsmar
Sat Jan 23, 2016 3:38 am
Forum: Investing - Theory, News & General
Topic: Jack's nuances. [Jack Bogle vs. fixed income, bonds]
Replies: 44
Views: 3546

Re: Jack's nuances. [Jack Bogle vs. fixed income, bonds]

asset_chaos wrote:I believe that if someone can commit in a meaningful way to maximize diversification, minimize cost and hold forever, they'll probably be a pretty successful long term investor, almost despite the idiosyncrasies of their specific investment details.


And save enough.
by tadamsmar
Fri Jan 22, 2016 2:39 pm
Forum: Investing - Theory, News & General
Topic: Jack's nuances. [Jack Bogle vs. fixed income, bonds]
Replies: 44
Views: 3546

Re: Jack's nuances.

In my opinion, the Bogle pronouncements in the OP (and a good many others, but not all) reflect an excessive obsession with AA and the behavior of the stock market. I think that you need to get your retirement nest egg big enough to cover your projected retirement consumption within a margin of safe...
by tadamsmar
Fri Jan 22, 2016 2:08 pm
Forum: Investing - Theory, News & General
Topic: Jack's nuances. [Jack Bogle vs. fixed income, bonds]
Replies: 44
Views: 3546

Re: Jack's nuances.

On the other hand, it could be considered a nuance. The Trinity Study implies that your bond allocation in retirement does not matter much (does not impact your success rate much) as long as it's not too high, like > 75% By that token, at age 70, it does not matter much if you are 70% or 0% bonds.
by tadamsmar
Fri Jan 22, 2016 1:57 pm
Forum: Investing - Theory, News & General
Topic: Jack's nuances. [Jack Bogle vs. fixed income, bonds]
Replies: 44
Views: 3546

Re: Jack's nuances.

If you valued your SS income as a perpetuity $24K of SS income would be worth $1.85M ($24K / 1.31% 30 year tip rate). That would result in many retirees not having any bonds outside of SS... You betcha. It's not a nuance at all. For your first paycheck out of college at 22, you put 22% in bonds, an...
by tadamsmar
Fri Jan 22, 2016 1:54 pm
Forum: Investing - Theory, News & General
Topic: Jack's nuances. [Jack Bogle vs. fixed income, bonds]
Replies: 44
Views: 3546

Re: Jack's nuances.

Christine_NM wrote:It is getting crowded on the head of this pin. The nuances don't matter as much as Jack's advice to set a decent course and stay on it.


In other words, ignore Jack.

That's another pillar of wisdom.
by tadamsmar
Fri Jan 22, 2016 1:51 pm
Forum: Investing - Theory, News & General
Topic: Jack's nuances. [Jack Bogle vs. fixed income, bonds]
Replies: 44
Views: 3546

Re: Jack's nuances.

But wait. This is not really a nuance. I could have a big impact on a couple's AA. Also, there is another discontinuity when a spouse dies. One spouse should be taking this into account when figuring the value of this income stream as a bond. Did Jack say to treat the death of one's spouse as a bond...
by tadamsmar
Fri Jan 22, 2016 1:45 pm
Forum: Investing - Theory, News & General
Topic: Jack's nuances. [Jack Bogle vs. fixed income, bonds]
Replies: 44
Views: 3546

Re: Jack's nuances.

But wait. If I just did it on income, them there would he a whopping discontinuity when I started SS. I'd have to figure the value of the entitlement in bond-dollars.

Simplicity just got more complicated.

Did Bogle ever explain how it's done?
by tadamsmar
Fri Jan 22, 2016 1:36 pm
Forum: Investing - Theory, News & General
Topic: Jack's nuances. [Jack Bogle vs. fixed income, bonds]
Replies: 44
Views: 3546

Re: Jack's nuances.

Nuance One. Count Social Security as part of your fixed income allocation. I did a quick search and did not find anywhere where he fleshes this proposal out with numbers. So, I will guess how it's done. I guess you would have to take your current bond income and total value, and use that to reverse...
by tadamsmar
Wed Jan 20, 2016 3:04 pm
Forum: Investing - Theory, News & General
Topic: [CNBC interview:] Investing legend Jack Bogle: 'Stay the course'
Replies: 13
Views: 2375

Re: Does Mr. Bogle get tired of saying "Stay the Course"?

Does he ever get tired of saying "I should have changed the course earlier"?: "the only investment change I've made in the past few years is a move of about 6% of combined assets from Vanguard Intermediate-Term Bond Index (VBILX) to Vanguard Inflation-Protected Securities (VAIPX). The...
by tadamsmar
Wed Jan 20, 2016 2:42 pm
Forum: Investing - Theory, News & General
Topic: "What Are the Risks of Investing With One Fund Family?"
Replies: 7
Views: 2522

Re: "What Are the Risks of Investing With One Fund Family?"

The link in the OP discussion of theft that does not seem to make any sense to me: Kinnel: That's right. I don't worry much about theft but I do worry if you have all the inputs in all of your money that's being run being similar. So, let's say, you're at a firm and they are all buying biotech stock...
by tadamsmar
Wed Jan 20, 2016 2:38 pm
Forum: Investing - Theory, News & General
Topic: "What Are the Risks of Investing With One Fund Family?"
Replies: 7
Views: 2522

Re: "What Are the Risks of Investing With One Fund Family?"

What are the risks of investing with one fund family? Do they really answer the question? This article discusses the risk of identity theft that is more likely to impact one company than several since you have a different set of login credentials and security procedures for different companies: http...
by tadamsmar
Wed Jan 20, 2016 1:46 pm
Forum: Investing - Theory, News & General
Topic: "Do You Need to Diversify by Fund Company?"
Replies: 51
Views: 3929

Re: "Do You Need to Diversify by Fund Company?"

Steve Vernon says you should consider spreading your accounts over 2 or 3 companies. This article has some good suggestions and links to the anti-fraud policies of the 3 big fund companies: http://www.cbsnews.com/news/how-to-protect-your-retirement-savings-from-identity-theft-and-internet-fraud/ Whi...
by tadamsmar
Tue Jan 19, 2016 9:39 pm
Forum: Investing - Theory, News & General
Topic: "Do You Need to Diversify by Fund Company?"
Replies: 51
Views: 3929

Re: "Do You Need to Diversify by Fund Company?"

Even people that sneer at the notion of a nanny state incorrectly believe that they live in a nanny state. Well they don't. They live in a nanny state with holes. One hole is radon in homes. Another hole is retirement funds. All you have with a retirement fund is a contract. Just a contract, nothing...
by tadamsmar
Tue Jan 19, 2016 8:40 pm
Forum: Investing - Theory, News & General
Topic: "Do You Need to Diversify by Fund Company?"
Replies: 51
Views: 3929

Re: "Do You Need to Diversify by Fund Company?"

You can lose funds if you make a mistake, like this guy: http://www.bankrate.com/financing/retirement/woman-drains-exs-retirement-account/ You don't have an unqualified reimbursement guarantee against your own mistakes relative to monitoring your accounts and keeping your login credentials secure. ...
by tadamsmar
Tue Jan 19, 2016 1:46 pm
Forum: Investing - Theory, News & General
Topic: "Do You Need to Diversify by Fund Company?"
Replies: 51
Views: 3929

Re: "Do You Need to Diversify by Fund Company?"

You can lose funds if you make a mistake, like this guy: http://www.bankrate.com/financing/retirement/woman-drains-exs-retirement-account/ You don't have an unqualified reimbursement guarantee against your own mistakes relative to monitoring your accounts and keeping your login credentials secure. ...
by tadamsmar
Tue Jan 19, 2016 1:10 pm
Forum: Investing - Theory, News & General
Topic: "Do You Need to Diversify by Fund Company?"
Replies: 51
Views: 3929

Re: "Do You Need to Diversify by Fund Company?"

You can lose funds if you make a mistake, like this guy: http://www.bankrate.com/financing/retirement/woman-drains-exs-retirement-account/ You don't have an unqualified reimbursement guarantee against your own mistakes relative to monitoring your accounts and keeping your login credentials secure. O...
by tadamsmar
Tue Jan 19, 2016 4:18 am
Forum: Investing - Theory, News & General
Topic: Does the market being down limit downside risk?
Replies: 56
Views: 3260

Re: Does the market being down limit downside risk?

Question is in the title "Does the market being down limit downside risk?" In other words if I have $100,000 in equities at the top of the market and I accept what I understand to be the BH orthodoxy that my equity investment can drop by 50% or to $50,000 then if the market drops 10% and ...
by tadamsmar
Mon Jan 18, 2016 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for changing AA to reduce risk exposure for large taxable portfolio?
Replies: 21
Views: 1184

Re: Advice for changing AA to reduce risk exposure for large taxable portfolio?

But how can you call 100% VTIAX in equities "a portfolio that is unreasonable and improperly diversified?". You obviously don't believe that it is a optimal AA going forward. And it is not rational to go to an non-optimal portfolio because of anchoring. So, the act of moving to this AA is...
by tadamsmar
Mon Jan 18, 2016 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Advice for changing AA to reduce risk exposure for large taxable portfolio?
Replies: 21
Views: 1184

Re: Advice for changing AA to reduce risk exposure for large taxable portfolio?

Thoughts? Reasonable, right? The plan is not strictly speaking reasonable, not rational, not standard finance, some behavioral finance. The notion of avoiding the mistake of selling at a loss is really just anchoring , pure behavioral finance. It's always best to just determine the appropriate risk...
by tadamsmar
Thu Jan 07, 2016 10:23 pm
Forum: Personal Consumer Issues
Topic: The Big Short
Replies: 153
Views: 16926

Re: The Big Short

In his new book on the 2008 panic, Bernanke pointed out the subprime mortgages amounted to about 8% of all mortgages. If they all went to zero that amounted to a typical day's fluctuation in the global stock market. So in mid-2007 a subprime crisis did not look like a big risk to the global economy....
by tadamsmar
Mon Jan 04, 2016 1:08 pm
Forum: Personal Consumer Issues
Topic: The Big Short
Replies: 153
Views: 16926

Re: The Big Short

Saw it with DH on Christmas Eve. We bought our tickets ahead of time - it was sold out when we got there. Enjoyed it very much, but also felt really bad for all of the innocent people who lost their jobs, homes and 401ks. ... It's easy to feel even worse when you consider that many, if not most, of...
by tadamsmar
Mon Jan 04, 2016 11:03 am
Forum: Personal Consumer Issues
Topic: Floss aversion
Replies: 56
Views: 7471

Re: Floss aversion

Thanks for all the ideas!
by tadamsmar
Sat Jan 02, 2016 9:48 am
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 486
Views: 105956

Re: Rick Ferri looking to internationalize his portfolio

I going to take his advice and put 13K in total international, our 2016 Roth contribution. Well, sort of. I was already neutral back when Rick blogged those immortal words about how he now believed that international as at least and good as domestic so he was going to act on his current beliefs late...
by tadamsmar
Sat Jan 02, 2016 7:10 am
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 486
Views: 105956

Re: Rick Ferri looking to internationalize his portfolio

In his defense, he was right, it's about +6% outperformance in domestics? When I mentioned that earlier, did you see Taylor's comment?: https://www.bogleheads.org/forum/viewtopic.php?p=2707395#p2707395 PS: There is one Chinese billionaire who can quote Carl Sagan when asked how much he lost last ye...
by tadamsmar
Fri Jan 01, 2016 11:08 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 486
Views: 105956

Re: Rick Ferri looking to internationalize his portfolio

Any update on the change in strategy? Only the update on the change in his blogging strategy: he apparently deleted his blog post on the strategy. If you look at his blog, there are plenty of entries before and after that one. That particular one is gone. Have you ever seen anyone post a strategy l...
by tadamsmar
Thu Dec 31, 2015 2:20 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 486
Views: 105956

Re: Rick Ferri looking to internationalize his portfolio

From his blog post: http://www.rickferri.com/blog/investments/my-expected-investment-changes-in-2015/?utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+RickFerri+%28Rick+Ferri+Blog%29 Rick Ferri will be looking to increase his international allocation for the 2nd half of the decade...

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