Search found 3872 matches

by SP-diceman
Sun Jan 11, 2015 8:37 pm
Forum: Personal Consumer Issues
Topic: cat water fountain
Replies: 75
Views: 22654

Re: cat water fountain

lynneny wrote:My cats won't drink from their water dish either, and they ignore the cat fountain I bought them. But for some unknown reason they like drinking from the flower vase in the living room, so I just add fresh water to that every day (and no longer put flowers in it).
Sounds like something they could tip over and break???
by SP-diceman
Tue Jan 06, 2015 8:37 pm
Forum: Investing - Theory, News & General
Topic: Is "stay the course" a commandment or a suggestion?
Replies: 60
Views: 6792

Re: Is "stay the course" a commandment or a suggestion?

It's the only choice we have.
It's a reminder we're human.
by SP-diceman
Tue Jan 06, 2015 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Today is a Good Day to fund the 2015 IRA
Replies: 69
Views: 11040

Re: Today is a Good Day to fund the 2015 IRA

Today was even better. :D
by SP-diceman
Mon Jan 05, 2015 1:36 am
Forum: Investing - Theory, News & General
Topic: Bogleheads 2015 Hedge Fund Contest
Replies: 227
Views: 48974

Re: Bogleheads 2015 Hedge Fund Contest

Name: Manager See Manager Do Fund

Long: EW, EA

Short: COH, MAT
by SP-diceman
Thu Feb 27, 2014 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Do children become less expensive as they grow up?
Replies: 93
Views: 13231

Re: Do children become less expensive as they grow up?

swaption wrote:I have to laugh. Definitely not. I see the mention of figure skating expenses. I can check that box. For my other girl it was gymnastics and now dance. This won't be applicable to everyone, but throw in summer camp

Yeah, but isn’t this just a keeping up with the Joneses thing?
I don’t remember anyone growing up taking dancing, gymnastics, skating lessons or any of this stuff.

“Play” was in the yard , and if you were lucky, you had something that resembled a pool to go in.
(or at least a hose)

As you can probably guess, I don’t have kids.
Id probably be as guilty as anyone else, but the monster we’ve created is amazing.


Thanks
SP-diceman
by SP-diceman
Wed Jan 29, 2014 12:15 pm
Forum: Personal Consumer Issues
Topic: Does anyone have a bat house?
Replies: 31
Views: 3181

Re: Does anyone have a bat house?

I only have a bat cave.
by SP-diceman
Sun Jan 26, 2014 11:36 am
Forum: Investing - Theory, News & General
Topic: Rebalancing the same than timing the market ?
Replies: 24
Views: 2135

Re: Rebalancing the same than timing the market ?

deikel wrote:Not trying to provoke the wrath of the bogleheads, but....:


Is rebalancing not a form of market timing ?
If you're worried about being called a "market timer" just ask them what they're doing?
:happy
by SP-diceman
Sat Jan 25, 2014 10:57 am
Forum: Investing - Theory, News & General
Topic: about snow and the stock market
Replies: 26
Views: 2317

Re: about snow and the stock market

I thought everyone knew?

Its "fog" that controls markets.
(yes, cloudy crystal balls count)
by SP-diceman
Fri Jan 24, 2014 2:50 pm
Forum: Investing - Theory, News & General
Topic: Glad I own bonds today!
Replies: 56
Views: 6715

Re: Glad I own bonds today!

pastafarian wrote:Is something happening in the stock market? I'm not watching CNBC. :confused
I heard something about "the sky is falling."
:D
by SP-diceman
Fri Jan 24, 2014 2:42 pm
Forum: Personal Consumer Issues
Topic: percolator vs drip
Replies: 109
Views: 12106

Re: percolator vs drip

Instant.

I know, I know, its right up there with daytrading! :happy
by SP-diceman
Fri Jan 24, 2014 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Careers you've enjoyed
Replies: 47
Views: 5435

Re: Careers you've enjoyed

The best times Ive had at work was when I controlled the vertical and horizontal of my day.
(only a few short years out of decades)

The rest of the time I was in a Dilbert cartoon vs. drawing one. :D
by SP-diceman
Thu Jan 23, 2014 2:17 am
Forum: Personal Investments
Topic: Investing in a carwash
Replies: 36
Views: 11529

Re: Investing in a carwash

I had a neighbor.
During the 2008 downturn I would see him leave for work in the morning.
I was glad to see that he stayed employed.
Over the summer I found out he owned/ran a carwash down the street.

I "figured" it was one of those invinicible things like car repair.
(people will get the car washed even in bad times)

Last month he moved out.
Moved back in with his mom.
(he's probably about 55 years old)

Said he couldnt put his rent on his credit cards anymore.

Thanks
SP-diceman
by SP-diceman
Sun Jan 05, 2014 12:52 pm
Forum: Personal Consumer Issues
Topic: The Funniest Movie Ever
Replies: 227
Views: 27988

Re: The Funniest Movie Ever

The Owl and the Pussycat.
(Streisand/Segal)

A Shot in the dark.
(Sellers)

A Guide for the Married Man
(Matthau)
by SP-diceman
Fri Jan 03, 2014 2:43 pm
Forum: Investing - Theory, News & General
Topic: A stock picker's market
Replies: 9
Views: 1545

Re: A stock picker's market

Every year is a stock picker's market.
...picking the stocks is the problem.

:D
by SP-diceman
Thu Jan 02, 2014 2:10 pm
Forum: Personal Consumer Issues
Topic: What does a Bogle TV look like?
Replies: 78
Views: 8457

Re: What does a Bogle TV look like?

Draak wrote:Do you use your old school television until it dies?
When I was at a Labor Day barbecue a few years ago,
my cousin asked, “where do you throw out a TV?”

I said, “I’ll take it.”

A 1980’s style, CRT type.
(nothing flat here)

I’ll have to see how long it lasts, and if the Guinness folks need to be contacted.
by SP-diceman
Thu Jan 02, 2014 1:52 pm
Forum: Personal Consumer Issues
Topic: "Cheapskate of the Year"
Replies: 87
Views: 13381

Re: "Cheapskate of the Year"

VictoriaF wrote:Cut letters from marketing junk mail and glue them into words to save the printer cartridge.

Victoria
You had glue? :D
by SP-diceman
Thu Jan 02, 2014 7:59 am
Forum: Investing - Theory, News & General
Topic: The inevitability of rising inflation--is it so?
Replies: 130
Views: 11798

Re: The inevitability of rising inflation--is it so?

Is inflation natural/necessary?
Can there be a world of stable prices forever?
(things like “crop damage from weather” seem temporary)

Certainly inflation existed before the FED.
(and I would assume problems, solved themselves naturally, through supply/demand)

If inflation can be created, why would deflation be feared?
by SP-diceman
Thu Jan 02, 2014 7:40 am
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST
Replies: 537
Views: 44151

Re: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST

A year for round numbers:

2200
by SP-diceman
Thu Jan 02, 2014 7:38 am
Forum: Investing - Theory, News & General
Topic: Bogleheads 2014 Hedge fund contest
Replies: 160
Views: 26661

Re: Bogleheads 2014 Hedge fund contest

Monkey See Monkey Do Fund.

Longs: QCOR, UVE

Shorts: LAYN, AVHI
by SP-diceman
Mon Dec 30, 2013 1:39 am
Forum: Personal Consumer Issues
Topic: Favorite Christmas Gift
Replies: 43
Views: 4453

Re: Favorite Christmas Gift

Relatives celebrating Christmas on 12/28/13.
(so no one has to be on the roads/travel Christmas day)
by SP-diceman
Sun Dec 29, 2013 11:16 am
Forum: Investing - Theory, News & General
Topic: Are Bogleheads "robots with Excel Spreadsheets?"
Replies: 74
Views: 6858

Re: Are Bogleheads "robots with Excel Spreadsheets?"

letsgobobby wrote: who aren't thinking decades ahead to retirement.

A telling line.

Retirement happens by magic.
Someone else does the heavy lifting.
No discomfort, plan, or future thinking necessary.

By the way,
why is today any different?

Were folks guaranteed retirements
in the 1960’s, 1850’s, 1700’s?

Has no one prior to this generation been employed
over 65 years of age?
by SP-diceman
Sun Dec 29, 2013 11:03 am
Forum: Investing - Theory, News & General
Topic: Are Bogleheads "robots with Excel Spreadsheets?"
Replies: 74
Views: 6858

Re: Are Bogleheads "robots with Excel Spreadsheets?"

ofcmetz wrote:I have suspected for some time that posters like nisi and livesoft may in fact be robots that were invented by Mel and Taylor. :shock:


As to the article, there was a telling quote.
Leslie Lynch, 52, of Glastonbury, Conn., had $30,000 in her 401(k) retirement account when she lost her $65,000-a-year job last year at an insurance company. She'd worked there 28 years. She has depleted her retirement savings trying to stay afloat.

"I don't believe that I will ever retire now," she says.

She must of saved less than $1000 a year.



…using a 4% withdrawal rate,
$30,000 should last decades. :D
by SP-diceman
Sun Dec 29, 2013 10:38 am
Forum: Investing - Theory, News & General
Topic: Are Bogleheads "robots with Excel Spreadsheets?"
Replies: 74
Views: 6858

Re: Are Bogleheads "robots with Excel Spreadsheets?"

letsgobobby wrote:"Retirement specialist Teresa Ghilarducci of the New School for Social Research in New York says the voluntary plans "work for a robot with an Excel spreadsheet," not for people trying to pay bills and care for children who aren't thinking decades ahead to retirement."
Bogleheads are a fortunate group.

…they’ve never had children/bills.

…necessities are free for Bogleheads.

…if a Boglehead comes up short in savings
their employer will give them more money.

…in the unlikely event a Boglehead has missed
their “target” both interest rates, and market returns,
will “adjust” to make up the difference.

:D
by SP-diceman
Sat Dec 28, 2013 10:05 am
Forum: Investing - Theory, News & General
Topic: 'Play' Money
Replies: 95
Views: 12798

Re: 'Play' Money

leonard wrote:- then skydiving, racing, snowboarding, and many others provide excitement without knowingly making an irrational financial choice.
This is just "play" rationalization.

I'll take a small stock investment over skydiving any day of the week.
(difficult to hit the ground at terminal velocity)
If it's the excitement (of losing money) ]
...only allowed with a larger car or, a longer, more elaborate, vacation.
:happy
by SP-diceman
Thu Dec 26, 2013 9:54 pm
Forum: Investing - Theory, News & General
Topic: 2014 Boglehead Predictions Thread
Replies: 57
Views: 7599

Re: 2014 Boglehead Predictions Thread

Yield will be the new black.
by SP-diceman
Thu Dec 26, 2013 9:48 pm
Forum: Investing - Theory, News & General
Topic: [Why did my fund suddenly drop in value?]
Replies: 347
Views: 393553

Re: Why did VCVSX drop 8% today?

...was a dividend paid?
by SP-diceman
Thu Dec 26, 2013 9:40 pm
Forum: Investing - Theory, News & General
Topic: 2014 Boglehead Predictions Thread
Replies: 57
Views: 7599

Re: 2014 Boglehead Predictions Thread

Market prices will fluctuate.
by SP-diceman
Wed Dec 25, 2013 3:07 pm
Forum: Personal Consumer Issues
Topic: Something I don't understand about music
Replies: 108
Views: 10017

Re: Something I don't understand about music

I wonder what your opinion would be if you didn’t know Dylan?
Sometimes we actually like what the person stands for or represents
vs. technical skills.
(or if famous, we think we should like him)

All types of “bias” creeps into the mix.

…he’s the “common man.”
…classical is “boring.”
…opera is too “stuffy.”
….I like “feel” vs. “technique.”
…its “raw” not “polished.”

…and so on.
We find ways to like it.

Just look at Andy Warhol or Lou Reed.


Thanks
SP-diceman
by SP-diceman
Wed Dec 25, 2013 2:24 pm
Forum: Personal Investments
Topic: What Was Your Best Portfolio move in 2013
Replies: 125
Views: 12874

Re: What Was Your Best Portfolio move in 2013

Sitting on my hands.
:happy
by SP-diceman
Wed Dec 25, 2013 2:22 pm
Forum: Personal Consumer Issues
Topic: How many folks have a dog?
Replies: 112
Views: 13596

Re: How many folks have a dog?

Cats.
by SP-diceman
Wed Dec 25, 2013 10:22 am
Forum: Personal Consumer Issues
Topic: turkey was juiceless
Replies: 28
Views: 5160

Re: turkey was juiceless

I cook it in a bag.

...seems to work better.
by SP-diceman
Thu Dec 19, 2013 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Obamacare and Cancellation of Non Conforming Insurance
Replies: 20
Views: 2480

Re: Obamacare and Cancellation of Non Conforming Insurance

Ged wrote:My son had a personal experience with the current healthcare transition process that might help some people.

He is currently on an insurance plan that does not qualify under the new rules. As such he was informed that his plan will not be renewable in 2014
Thats the idea.
I'm sure they will all be canceled eventually.

Just a question of when.
by SP-diceman
Sun Dec 15, 2013 8:38 am
Forum: Investing - Theory, News & General
Topic: Stock Picking is Hard
Replies: 21
Views: 2652

Re: Stock Picking is Hard

Stock picking is easy.
Beating the indexes is hard.
:D
by SP-diceman
Sat Dec 14, 2013 1:21 pm
Forum: Investing - Theory, News & General
Topic: Porter Stansberry advising going to 100% cash - Help!
Replies: 61
Views: 16791

Re: Porter Stansberry advising going to 100% cash - Help!

From Barrons:
Wall Street strategists expect stocks to rise 10%, boosted by a stronger economy and fatter corporate profits. Bullish on tech, industrials.
Now where am I?
Who do I listen to? :oops:
by SP-diceman
Wed Dec 11, 2013 11:45 am
Forum: Personal Consumer Issues
Topic: What's your definition of "drive it into the ground?"
Replies: 50
Views: 7200

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

280k miles.

When the trans went, it was (as the song goes) time to say goodbye. :D
by SP-diceman
Tue Dec 03, 2013 10:17 am
Forum: Investing - Theory, News & General
Topic: trend following
Replies: 80
Views: 7946

Re: trend following

VictoriaF wrote:How far back should we go?
I seem to recall something about tulips?
:D
by SP-diceman
Mon Nov 25, 2013 1:26 pm
Forum: Investing - Theory, News & General
Topic: S&P beats 421 Boglehead guesses [2013 Contest]
Replies: 13
Views: 2397

Re: S&P beats 421 Bogleheads guess [2013 Contest]

Prices have reached “what looks to be a permanently high plateau.”
:happy
by SP-diceman
Thu Nov 21, 2013 11:49 am
Forum: Personal Investments
Topic: I Know Nothing! Absolutely Nothing!
Replies: 29
Views: 5333

Re: I Know Nothing! Absolutely Nothing!

mlh46 wrote: Maybe I can start my own CNBC show and repeat "I know nothing and neither does anyone else" over and over for an hour.
Could be called: Sane Money! :D
by SP-diceman
Wed Nov 20, 2013 2:58 pm
Forum: Personal Consumer Issues
Topic: Thinning hair/ hair loss products
Replies: 35
Views: 7596

Re: Thinning hair/ hair loss products

VictoriaF wrote:
frugaltype wrote: I don't know any woman who actually likes a beard on a man.
Some beards are more palatable than others.



Victoria
Typically the ones that get in your soup! :D
by SP-diceman
Wed Nov 20, 2013 2:33 pm
Forum: Personal Consumer Issues
Topic: Thinning hair/ hair loss products
Replies: 35
Views: 7596

Re: Thinning hair/ hair loss products

My brother has a piece.
It gets attached to the hair you have left.
As the real hair grows its gets loose, and needs to be refitted.
(costing hundreds of dollars)

While it looks just like his hair did,
he doesn’t know how to get out of it.
(basically you get stuck maintaining the illusion)

If he takes it off, folks will say, “where did your hair go?”

Knowing what he knows now, he says he would just let it go.
It became the “in-thing” to be bald.

As his brother, I’m not familiar with the problem.
I seem to have even more hair than when I was young,
without a hint of thinning or receding.
:D
by SP-diceman
Wed Nov 13, 2013 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Dying with $1 in Pocket
Replies: 52
Views: 4840

Re: Dying with $1 in Pocket

mathwhiz wrote:What exactly is wrong with dying with $1 in your pocket?
As long as you're accurate! :D
by SP-diceman
Thu Nov 07, 2013 1:08 pm
Forum: Personal Consumer Issues
Topic: google does math
Replies: 53
Views: 6327

Re: google does math

Imperabo wrote:
VictoriaF wrote: Right. Especially, because we have already eliminated the liveliest topics about life, universe and everything.
http://bit.ly/swfnZ6


We can all go home now.
Its not even a fibonacci number. :D
by SP-diceman
Tue Nov 05, 2013 9:44 am
Forum: Investing - Theory, News & General
Topic: Brent Arends: you can beat the market with smart timing
Replies: 89
Views: 9221

Re: Brent Arends: you can beat the market with smart timing

A few key statistics can help average-Joe investors buy low, sell high
The “average-Joe” probably doesn’t have $100,000
“saved” for retirement.

He may want to work on saving vs. smart timing.
:D
by SP-diceman
Mon Oct 28, 2013 2:42 pm
Forum: Personal Consumer Issues
Topic: Am I the only scifi fanatic who thinks that Gravity is lame?
Replies: 102
Views: 8104

Re: Am I the only scifi fanatic who thinks that Gravity is l

Gravity was lame when it brought the market down in 2008.

:D
by SP-diceman
Sun Oct 20, 2013 11:48 am
Forum: Personal Investments
Topic: Wine Investment
Replies: 28
Views: 4241

Re: Wine Investment

Nothing like “liquid assets.”
:happy
by SP-diceman
Sat Oct 19, 2013 11:38 am
Forum: Investing - Theory, News & General
Topic: Whats the diff between index investing vs buying your own?
Replies: 39
Views: 4137

Re: Whats the diff between index investing vs buying your ow

techcrium wrote:
Say you have $500K to invest.
Another problem.

Most dont start there.
Funds allow small dollar purchases over time.
(and fractional share dividend renvestment)