Search found 1637 matches

by zaboomafoozarg
Sun Jul 24, 2016 10:09 pm
Forum: Personal Consumer Issues
Topic: What type of new driveway should I get?
Replies: 21
Views: 2190

Re: What type of new driveway should I get?

Always just had stone driveways because they're the cheapest.
by zaboomafoozarg
Sun Jul 24, 2016 9:47 pm
Forum: Investing - Theory, News & General
Topic: Help me understand the recommendation for international stocks
Replies: 14
Views: 1014

Re: Help me understand the recommendation for international stocks

Fancy predictions indicate that we can expect the US stock market to return 1% real per year over the next 10 years, but the international market to return about 6% real over the same time period. https://www.researchaffiliates.com/AssetAllocation/Pages/Core-Overview.aspx Now whether or not that com...
by zaboomafoozarg
Sun Jul 24, 2016 1:44 pm
Forum: Investing - Theory, News & General
Topic: King Solomon was the original Boglehead - historically speaking
Replies: 28
Views: 1611

Re: King Solomon was the original Boglehead - historically speaking

Johnnie wrote:Earlier Boglites? Didn't Pharaoh have a "seven years of grain in storage" policy? Pharaohs preceded Kings of Israel.


Yep, the book of Genesis mentioned Joseph doing that while in Egypt.
by zaboomafoozarg
Sun Jul 24, 2016 1:43 pm
Forum: Investing - Theory, News & General
Topic: King Solomon was the original Boglehead - historically speaking
Replies: 28
Views: 1611

Re: King Solomon was the original Boglehead - historically speaking

"Meaningless, meaningless," says the teacher, "Utterly meaningless! Everything is meaningless."
by zaboomafoozarg
Sun Jul 24, 2016 1:29 pm
Forum: Investing - Theory, News & General
Topic: Trying the Impossible - Financing 30-Year Retirements with 40-Year Careers
Replies: 70
Views: 8648

Re: Trying the Impossible - Financing 30-Year Retirements with 40-Year Careers

garlandwhizzer wrote:According to the US Bureau of Labor Statistics worker productivity growth has been in decline for a decade at present and is currently about 1%/yr and still going down.


reddit.com was invented 11 years ago. Coincidence? I think not :D
by zaboomafoozarg
Sun Jul 24, 2016 1:28 pm
Forum: Investing - Theory, News & General
Topic: Trying the Impossible - Financing 30-Year Retirements with 40-Year Careers
Replies: 70
Views: 8648

Re: Trying the Impossible - Financing 30-Year Retirements with 40-Year Careers

nisiprius wrote:If it is impossible to finance a thirty-year retirement with a forty-year career, then there cannot be any such thing as a retired professional athletes.


I think they may be saying that it's impossible for a society as a whole to support this, instead of just individuals.
by zaboomafoozarg
Sat Jul 23, 2016 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Dump $5500 to Roth IRA on Day 1 of every year or split contribution to 12 months?
Replies: 32
Views: 2877

Re: Dump $5500 to Roth IRA on Day 1 of every year or split contribution to 12 months?

In the long run- over decades- it matters very little. Exactly, it doesn't really matter. I calculated the difference between yearly vs. monthly over a couple decades for different time spans, and it never seemed to make more than a few percent difference in total returns. And one was not consisten...
by zaboomafoozarg
Sat Jul 23, 2016 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: Scottrade and Stock Splits
Replies: 3
Views: 220

Re: Scottrade and Stock Splits

The same thing is happening with ITOT in Fidelity today.
by zaboomafoozarg
Fri Jul 22, 2016 3:09 pm
Forum: Investing - Help with Personal Investments
Topic: Early retirees, how much did you leave on the table?
Replies: 163
Views: 9703

Re: Early retirees, how much did you leave on the table?

Dutch wrote:
livesoft wrote:Suppose I have a $100 million portfolio.


Oh please


Hey, at least we know who blows the curve on the annual net worth surveys :D
by zaboomafoozarg
Fri Jul 22, 2016 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: Early retirees, how much did you leave on the table?
Replies: 163
Views: 9703

Re: Early retirees, how much did you leave on the table?

tbradnc wrote:$2253.34.

:)


Found the big tipper!
by zaboomafoozarg
Fri Jul 22, 2016 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Early retirees, how much did you leave on the table?
Replies: 163
Views: 9703

Re: Early retirees, how much did you leave on the table?

I am not ER'd but recently did a calculation with 2 possible retirement ages, given my expected assets/pensions/SS for each scenario. By ER'ing at 45, I'd expect to be able to spend $50k per year until age 90. By retiring at the normal age of 67, I'd expect to be able to spend $350k per year until a...
by zaboomafoozarg
Wed Jul 20, 2016 8:20 pm
Forum: Investing - Help with Personal Investments
Topic: Crazy to hold (BNDX) International Bonds?
Replies: 39
Views: 2105

Re: Crazy to hold (BNDX) International Bonds?

I dunno, I allocate 25% of my bonds to BNDX and I manage to sleep at night.

And their CAGR has been about 33% more than BND since I bought them. Yes, yes, I know, outcome vs strategy.
by zaboomafoozarg
Wed Jul 20, 2016 5:14 pm
Forum: Investing - Theory, News & General
Topic: NY Times article-Shiller on land and homes
Replies: 18
Views: 2635

Re: NY Times article-Shiller on land and homes

I don't really care what happened with homes 100 years ago when you had to pay cash and much of America was rural. He also looked at farm land which meant nothing to me. 90%+ of America is still rural, by land area. I've considered buying a few fields to rent for farmland, but never to build houses...
by zaboomafoozarg
Wed Jul 20, 2016 5:01 pm
Forum: Investing - Theory, News & General
Topic: Are you feeling uncomfortable? [with your investments]
Replies: 42
Views: 3987

Re: Are you feeling uncomfortable?

Yeah, I just ate too much Taco Bell.

Oh, investments you say?

Nah, I'm good.
by zaboomafoozarg
Mon Jul 18, 2016 5:00 pm
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 213
Views: 28335

Re: 23 year old... Can I afford a Rolex?

As much as I think a $5k watch is silly...

if I was forced to choose between exercising until I looked like a bodybuilder or buying a $5k watch, I'd buy the watch :D
by zaboomafoozarg
Sat Jul 16, 2016 11:13 pm
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 213
Views: 28335

Re: 23 year old... Can I afford a Rolex?

I'd be worried sick if I wore something that cost $5k or more.
by zaboomafoozarg
Sat Jul 16, 2016 11:05 pm
Forum: Personal Consumer Issues
Topic: What kind of car do Bogleheads like to drive?
Replies: 117
Views: 7354

Re: What kind of car do Bogleheads like to drive?

Any kind of car, as long as it's a Honda.
by zaboomafoozarg
Fri Jul 15, 2016 10:23 pm
Forum: Investing - Theory, News & General
Topic: Do You Practice Ethical Investing?
Replies: 47
Views: 1971

Re: Do You Practice Ethical Investing?

Nope, I buy the whole market and then donate money and time to things I care about.
by zaboomafoozarg
Fri Jul 15, 2016 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have any retiree healthcare benefit from your employer?
Replies: 76
Views: 3660

Re: Do you have any retiree healthcare benefit from your employer?

If I stay around until 55, I'll have retiree healthcare benefits.

I really don't want to work until I'm 55, but I might if the healthcare situation is bad in 10-15 years.
by zaboomafoozarg
Fri Jul 15, 2016 9:25 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Yodlee Aggregator not working
Replies: 7
Views: 411

Re: Vanguard Yodlee Aggregator not working

Vanguard hasn't ever given me the option to use it, from what I can tell.
by zaboomafoozarg
Thu Jul 14, 2016 8:47 pm
Forum: Investing - Theory, News & General
Topic: Jason Zweig: Sorry, You're Just Going To Have To Save More Money
Replies: 16
Views: 3953

Re: Jason Zweig: Sorry, You're Just Going To Have To Save More Money

I hope maybe things will get better in 20 or 30 years or so.
by zaboomafoozarg
Wed Jul 13, 2016 3:07 pm
Forum: Investing - Theory, News & General
Topic: QSPIX accessible in Fidelity IRA?
Replies: 7
Views: 500

Re: QSPIX accessible in Fidelity IRA?

I transferred some QSPIX to Fidelity, but can't buy any more.

I can buy QSPNX there though.
by zaboomafoozarg
Sun Jul 10, 2016 8:45 pm
Forum: Investing - Theory, News & General
Topic: Jason Zweig: Gold: It's Still a Pet Rock
Replies: 11
Views: 1429

Re: Jason Zweig: Gold: It's Still a Pet Rock

It might not have a good rate of return, but it's kind of fun to hold! And it's a decent way to learn some history, albeit more expensive than wikipedia. It certainly feels more real than wikipedia.

From the Byzantine empire in 650 AD:

Image
by zaboomafoozarg
Sun Jul 10, 2016 12:23 pm
Forum: Investing - Theory, News & General
Topic: What's your asset allocation and why?
Replies: 103
Views: 5366

Re: What's your asset allocation and why?

Retirement funds AA: 35.0% - US total market 10.0% - US small cap value 5.0% - US REITs 17.5% - Int'l total market 5.0% - Int'l small cap 2.5% - Int'l REITs/real estate 15.0% - US total bonds 5.0% - Int'l total bonds 5.0% - alternatives (QSPIX) In addition, I keep some short-to-mid savings in I Bond...
by zaboomafoozarg
Sat Jul 09, 2016 11:22 pm
Forum: Investing - Theory, News & General
Topic: What's your asset allocation and why?
Replies: 103
Views: 5366

Re: What's your asset allocation and why?

Crushtheturtle wrote:With due respect to investors much wiser than me, I believe bonds to be little more than emotional "security blankets."


Efficient frontier != emotional security blanket.
by zaboomafoozarg
Fri Jul 08, 2016 8:58 am
Forum: Investing - Theory, News & General
Topic: What Portfolio analysis tool do you use?
Replies: 22
Views: 1376

Re: What Portfolio analysis tool do you use?

livesoft wrote:And when do you know when to stop analyzing?


And who analyzes the analyzer? :D
by zaboomafoozarg
Thu Jul 07, 2016 8:23 pm
Forum: Investing - Theory, News & General
Topic: Monetary policy is (barely) carrying the world
Replies: 29
Views: 1578

Re: Monetary policy is (barely) carrying the world

Meh, this is depressing. I think the only shot at retiring might come from making a lot more money.
by zaboomafoozarg
Thu Jul 07, 2016 5:10 pm
Forum: Investing - Theory, News & General
Topic: Monetary policy is (barely) carrying the world
Replies: 29
Views: 1578

Re: Monetary policy is (barely) carrying the world

This is why I plan for 2%/0% real stock/bond returns for the rest of my life. The golden days are most likely over.
by zaboomafoozarg
Sun Jul 03, 2016 12:30 pm
Forum: Investing - Theory, News & General
Topic: "Less is More"
Replies: 15
Views: 2976

Re: "Less is More"

I tilt about 30% of my portfolio because I think over time it'll likely result in a slightly higher return, and because I also find it interesting. But sometimes I think that if I could take back the hundreds of hours I've spent reading about esoteric financial things, and spend those hours on makin...
by zaboomafoozarg
Sat Jul 02, 2016 11:42 pm
Forum: Investing - Theory, News & General
Topic: Tilting Toward a Country that Isn't the US?
Replies: 18
Views: 1733

Re: Tilting Toward a Country that Isn't the US?

I lived in Australia during the Global Financial Crisis. It clearly had an impact but substantially smaller than in the US. (Red is Australia; Blue is US) https://monosnap.com/file/MNUBcUVIXKpISFHPwSOcmcaLpfl397.png The % drop in Australia looks quite a bit larger than the % drop in the US.
by zaboomafoozarg
Sat Jul 02, 2016 2:55 pm
Forum: Personal Consumer Issues
Topic: What do you spend your money on???
Replies: 149
Views: 13013

Re: What do you spend your money on???

Ancient coins. I let myself spend $1k-$2k per year on them.

Other than that and a cheap vacation or two, not much. Total spending is usually about $20k a year.
by zaboomafoozarg
Sat Jul 02, 2016 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Where were you financially when you were at 30?
Replies: 217
Views: 21156

Re: Where were you financially when you were at 30?

Not very good, compared to this forum.

But pretty great, compared to the rest of the world.

Still, I can't help but be a little disappointed in myself.
by zaboomafoozarg
Fri Jul 01, 2016 10:49 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (June 2016)
Replies: 14
Views: 1033

Re: madsinger monthly report (June 2016)

triceratop wrote:Perhaps we need a "Hotter Hands" portfolio consisting of the previous month's winner.


d(hotter hands)/dt
by zaboomafoozarg
Fri Jul 01, 2016 4:36 pm
Forum: Investing - Theory, News & General
Topic: Tilts?
Replies: 32
Views: 1559

Re: Tilts?

On portfoliovisualizer.com, VNQ had .77 correlation with SPY. Those only go back to 2004 though. If you compare VTSMX and VGSIX which go back to 1996, the correlation is slightly lower at .68. REITs often times follow the total market pretty closely, but the last couple times I know of when they di...
by zaboomafoozarg
Fri Jul 01, 2016 12:25 pm
Forum: Investing - Theory, News & General
Topic: What's the deal with Japan?
Replies: 62
Views: 6517

Re: What's the deal with Japan?

Sorry for the OT remark but all I could think of when I read of this title was Jerry Seinfeld saying "and what's the deal with ovaltine! The jar is round, the cup is round, they should call it Roundtine!" LOL! I expected the same thing. "What's the deeeaaal with Japan?" Japan's ...
by zaboomafoozarg
Fri Jul 01, 2016 10:10 am
Forum: Investing - Theory, News & General
Topic: Tilts?
Replies: 32
Views: 1559

Re: Tilts?

No other QSPIX owners yet? :D

I allocate:
  • 15% to small cap value
  • 7.5% to REITs
  • 5% to alternatives (AKA QSPIX, AQR's style premia alternative fund).
So 27.5% in tilts overall.
by zaboomafoozarg
Wed Jun 29, 2016 5:46 pm
Forum: Investing - Theory, News & General
Topic: I think Buffett got this wrong
Replies: 87
Views: 4874

Re: I think Buffett got this wrong

All I expect is for the stock market to keep up with inflation over the next 50 years, and to pay a couple percent in dividends.
by zaboomafoozarg
Mon Jun 27, 2016 7:20 pm
Forum: Investing - Theory, News & General
Topic: Jason Zweig: The More It Hurts, the More You Make
Replies: 35
Views: 6159

Re: Jason Zweig: The More It Hurts, the More You Make

I focus on the pain... it's the only thing that's real.
by zaboomafoozarg
Sun Jun 26, 2016 6:30 pm
Forum: Investing - Theory, News & General
Topic: Return expectations for the next 10 years
Replies: 91
Views: 6009

Re: Return expectations for the next 10 years

Why just 10 years? I wouldn't be surprised if real stock market returns are 2-3% for the next 50 years.
by zaboomafoozarg
Fri Jun 24, 2016 9:49 pm
Forum: Investing - Theory, News & General
Topic: Would today be a good day to rebalance?
Replies: 34
Views: 3304

Re: Would today be a good day to rebalance?

My IPS says I can rebalance whenever I feel like it, so I did it today.
by zaboomafoozarg
Fri Jun 24, 2016 2:07 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3087
Views: 682463

Re: U.S. stocks in freefall

And this is only the beginning!!


(of the rest of my life)
by zaboomafoozarg
Fri Jun 24, 2016 10:06 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3087
Views: 682463

Re: U.S. stocks in freefall

I don't have livesoft's spreadsheet or anything, but I'm willing to bet today is an RBD for VXUS and VSS :D
by zaboomafoozarg
Fri Jun 24, 2016 7:50 am
Forum: Investing - Theory, News & General
Topic: International stocks in free fall
Replies: 118
Views: 10446

Re: International stocks in free fall

Rick Ferri wrote:United we stand and divided we fall.


Most people want to be divided, it seems. I wouldn't be surprised if this happens throughout the EU over time.
by zaboomafoozarg
Thu Jun 23, 2016 11:34 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3087
Views: 682463

Re: U.S. stocks in freefall

Well, I guess I'll buy some VXUS with my dividends laying around tomorrow at the open.
by zaboomafoozarg
Thu Jun 23, 2016 8:53 pm
Forum: Investing - Theory, News & General
Topic: What's the ideal safe retirement net worth target?
Replies: 162
Views: 16598

Re: What's the ideal safe retirement net worth target?

If 4% gets one to dance in the streets, imagine what 14% would do. That would be amazing. I'm quite sad that I wasn't old enough to invest in the 80's and 90's, and I certainly don't expect returns anywhere near that good again in my lifetime. I plan on 5% nominal as an upper bound for stocks in my...
by zaboomafoozarg
Sat Jun 18, 2016 10:16 pm
Forum: Investing - Theory, News & General
Topic: What's the ideal safe retirement net worth target?
Replies: 162
Views: 16598

Re: What's the ideal safe retirement net worth target?

10,000,000 to live a reasonable lifestyle?I guess if you live an extravagant,pampered rich lifestyle you would need 10M,but for 90 pct of people that live normal lives that figure is ridiculous. I think it's more like 99.5% of people. This forum's definition of safety includes surviving the heat de...
by zaboomafoozarg
Sat Jun 18, 2016 10:17 am
Forum: Investing - Theory, News & General
Topic: Only buying during crashes - return?
Replies: 34
Views: 3208

Re: Only buying during crashes - return?

I make a motion for OP to perform the calculations for this strategy and present them to everyone, instead of asking everyone to do said calculations for him.
by zaboomafoozarg
Fri Jun 17, 2016 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: "3 smart Social Security strategies if you've never married."
Replies: 7
Views: 1087

Re: "3 smart Social Security strategies if you've never married."

Doubling social security payments is one of the biggest reasons I'd like to get married.

Which, thinking about it, is probably one of the reasons why I'm not married :D

If possible, I do plan to wait until 70 to take SS payments.
by zaboomafoozarg
Thu Jun 16, 2016 10:06 pm
Forum: Investing - Theory, News & General
Topic: What's the ideal safe retirement net worth target?
Replies: 162
Views: 16598

Re: What's the ideal safe retirement net worth target?

goingup wrote:I would guess most people on this site hope to have a NW somewhere between $1-5M. That's just not very helpful info to anyone because we all have different circumstances.


Based on the net worth poll, it appears most people here are already between $1M and $5M.

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