Search found 856 matches

by soboggled
Sun Dec 04, 2016 8:50 am
Forum: Personal Consumer Issues
Topic: How to darken type in firefox or chrome?
Replies: 27
Views: 4149

Re: How to darken type in firefox or chrome?

Though I have not used the feature, in Windows (8.1 and 10 at least) you can opt for High Contrast under Settings/Ease of Access. Other versions have similar capabilities.
In Android, it's Settings/Accessibility/High Contrast.
by soboggled
Mon Nov 14, 2016 7:43 pm
Forum: Investing - Theory, News & General
Topic: The Permanent Portfolio as an accumulation portfolio
Replies: 67
Views: 14509

Re: The Permanent Portfolio as an accumulation portfolio

Reubin wrote:Another bad day for gold and treasuries! Is this the absolute worst time to even consider this portfolio?
Treasuries I understand but I thought gold was supposed to be golden when any increase in inflation is expected?
by soboggled
Mon Nov 14, 2016 7:41 pm
Forum: Investing - Theory, News & General
Topic: Muni bonds are getting killed. Are you bailing out?
Replies: 88
Views: 19998

Re: Muni bonds are getting killed. Are you bailing out?

Apparently as a consequence of Trump becoming POTUS elect, municipal bonds are getting slammed much worse than corporate bonds and somewhat worse than treasuries. The main factors are reported to be: anticipated lowering of tax brackets, anticipated increase in inflation and an anticipated increase...
by soboggled
Mon Nov 14, 2016 7:37 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5053
Views: 1296343

Re: What Movie Have You Recently Watched?

We just saw the new release 'Arrival'. Without giving too much away, it is about the sudden appearance of twelve alien spaceships around the world. The movie stars Amy Adams as a linguist tasked with figuring out how to communicate with a species whose concept of language is completely different th...
by soboggled
Mon Nov 14, 2016 1:17 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5053
Views: 1296343

Re: What Movie Have You Recently Watched?

We just saw the new release 'Arrival'. Without giving too much away, it is about the sudden appearance of twelve alien spaceships around the world. The movie stars Amy Adams as a linguist tasked with figuring out how to communicate with a species whose concept of language is completely different th...
by soboggled
Mon Nov 14, 2016 1:13 pm
Forum: Investing - Theory, News & General
Topic: The Permanent Portfolio as an accumulation portfolio
Replies: 67
Views: 14509

Re: The Permanent Portfolio as an accumulation portfolio

No, I am talking about the last 5 years or more, when it has under performed most other recommended portfolios. Of course, there seem to be so many variations on it, I'm not sure you can say that about all of them. Also, the rolling averages and CAGR have slowly but steadily declined from their lof...
by soboggled
Mon Nov 14, 2016 12:57 pm
Forum: Investing - Theory, News & General
Topic: The Permanent Portfolio as an accumulation portfolio
Replies: 67
Views: 14509

Re: The Permanent Portfolio as an accumulation portfolio

The PP is designed to perform adequately under various market conditions. What I think we're seeing now is that the market is unable to reach a concensus on what those conditions currently are. Are we headed for inflation? Deflation? A boom? A bust? I see headlines predicting all of these. Again: (...
by soboggled
Mon Nov 14, 2016 12:24 pm
Forum: Investing - Theory, News & General
Topic: The Permanent Portfolio as an accumulation portfolio
Replies: 67
Views: 14509

Re: The Permanent Portfolio as an accumulation portfolio

The PP is designed to perform adequately under various market conditions. What I think we're seeing now is that the market is unable to reach a concensus on what those conditions currently are. Are we headed for inflation? Deflation? A boom? A bust? I see headlines predicting all of these. Again: (...
by soboggled
Sun Nov 13, 2016 5:34 pm
Forum: Investing - Theory, News & General
Topic: The Permanent Portfolio as an accumulation portfolio
Replies: 67
Views: 14509

Re: The Permanent Portfolio as an accumulation portfolio

That is not what I was referring to: I suggest you recheck your numbers since 2011. No matter what I come up with, someone will pull up another portfolio that did better over X time. It's like nailing jelly to the wall. Again, I've been over this so many times. I'm not interested in debating it any...
by soboggled
Sun Nov 13, 2016 5:16 pm
Forum: Investing - Theory, News & General
Topic: The Permanent Portfolio as an accumulation portfolio
Replies: 67
Views: 14509

Re: The Permanent Portfolio as an accumulation portfolio

Using etfreplay.com, going back to September 2, 2008 which is the furthest I can go from today: Permanent Portfolio (ETFS: VTI, TLT, GLD, SHY @ 25% each): +57.7% 60/40 (etfreplay.com Benchmark Portfolio: +58.1% Volatility: Permanent Portfolio: 8.0% 60/40: 12.7% So nearly identical returns with abou...
by soboggled
Sun Nov 13, 2016 4:30 pm
Forum: Investing - Theory, News & General
Topic: The Permanent Portfolio as an accumulation portfolio
Replies: 67
Views: 14509

Re: The Permanent Portfolio as an accumulation portfolio

The portfolio was designed in a period of unusually high inflation by Harry Browne, who is dead, so we have no idea if he would still endorse his portfolio. Most of its historical return has been from gold. We have been living in a period of low inflation. As a result, the portfolio has been flat f...
by soboggled
Sun Nov 13, 2016 3:15 pm
Forum: Investing - Theory, News & General
Topic: The Permanent Portfolio as an accumulation portfolio
Replies: 67
Views: 14509

Re: The Permanent Portfolio as an accumulation portfolio

The portfolio was designed in a period of unusually high inflation by Harry Browne, who is dead, so we have no idea if he would still endorse his portfolio. Most of its historical return has been from gold. We have been living in a period of low inflation. As a result, the portfolio has been flat fo...
by soboggled
Sun Nov 13, 2016 12:58 pm
Forum: Investing - Theory, News & General
Topic: John Bogle Industry Icon Award & PBS Broadcast *Alert* - When I'm 65
Replies: 4
Views: 1504

Re: John Bogle Industry Icon Award & PBS Broadcast *Alert* - When I'm 65

Bogle is a national treasure and should have a regular show or time slot on PBS if not the major channels instead of some of those who give bad advice there. Regarding SS, he rightly understands the mix of possible choices, here is what real actuaries say about them: http://www.actuary.org/content/t...
by soboggled
Sun Nov 13, 2016 12:46 pm
Forum: Investing - Theory, News & General
Topic: The Permanent Portfolio as an accumulation portfolio
Replies: 67
Views: 14509

Re: The Permanent Portfolio as an accumulation portfolio

whodidntante wrote:Sounds like the permanently broke portfolio to me.
Or a de-accumulation portfolio. Browne's investing ideas have lost any validity they may have once had.
by soboggled
Sun Nov 13, 2016 12:43 pm
Forum: Personal Investments
Topic: REITs, Gold & Commodities
Replies: 23
Views: 4610

Re: REITs, Gold & Commodities

Over long periods of time, REITs have similar returns to stocks but often with low correlation to stocks. I would consider REITs to have a moderate correlation to stocks. Treasury bonds have a low correlation to stocks. The correlation of REITs to stocks is significantly higher than that. The posit...
by soboggled
Sun Nov 13, 2016 1:26 am
Forum: Personal Finance (Not Investing)
Topic: Retire early and sail off into the sunset?
Replies: 48
Views: 10390

Re: Retire early and sail off into the sunset?

I love it when people blithely assume you can plan to spend up to 4% of your capital a year, without considering that it's possible if not likely that you will live 40+ years - because it is somehow guaranteed by recent history and we know you will fearlessly rebalance every year no matter if the ma...
by soboggled
Sat Nov 12, 2016 9:33 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5053
Views: 1296343

Re: What Movie Have You Recently Watched?

Heartbreak Ridge (1986). Great movie! Gunnery Sergeant Thomas Highway (Clint Eastwood) constantly outsmarts his elitist rivals by teaching his platoon to adapt, improvise and overcome obstacles. This movie also features Mario Van Pebbles finest acting performance as the ayatollah of rock and rolla....
by soboggled
Sat Nov 12, 2016 9:20 pm
Forum: Personal Consumer Issues
Topic: Experience selling car to Carmax?
Replies: 110
Views: 229987

Re: Experience selling car to Carmax?

For those of you who think they know what they got for a trade-in: I wouldn't bet on it.
by soboggled
Fri Nov 11, 2016 11:33 pm
Forum: Investing - Theory, News & General
Topic: Shark Tank's Kevin O'Leary creates ETF
Replies: 45
Views: 11388

Re: Shark Tank's Kevin O'Leary creates ETF

No doubt he just lends his name and money to it and somebody else makes the real investment decisions. The basic idea that he will never invest in any stock that doesn't pay a dividend means he missed out on Microsoft, Apple, Amazon and many others in their highest growth years.
by soboggled
Fri Nov 11, 2016 11:18 pm
Forum: Investing - Theory, News & General
Topic: Anybody regretting holding on to your REITS?
Replies: 97
Views: 17363

Re: Anybody regretting holding on to your REITS?

At last the price has come down to a point where I can justify buying more. No, I certainly do not regret holding on to my REITs. The reasons I bought them are as valid as ever. Every so often, for no particular reason I can see, everybody hates REITs. Then, for no particular reason I can see, ever...
by soboggled
Fri Nov 11, 2016 10:04 pm
Forum: Investing - Theory, News & General
Topic: Anybody regretting holding on to your REITS?
Replies: 97
Views: 17363

Re: Anybody regretting holding on to your REITS?

At last the price has come down to a point where I can justify buying more. No, I certainly do not regret holding on to my REITs. The reasons I bought them are as valid as ever. Every so often, for no particular reason I can see, everybody hates REITs. Then, for no particular reason I can see, ever...
by soboggled
Fri Nov 11, 2016 9:33 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4209
Views: 1213884

Re: What Book Are You Currently Reading? Part VI

Nicolas wrote:
letsgobobby wrote:Rereading Orwell's 1984...
The Road to Wigan Pier and Down and Out in Paris and London are also enjoyable. Both by Orwell of course.
http://www.planetebook.com/ebooks/Down- ... London.pdf
Great stuff!
by soboggled
Fri Nov 11, 2016 5:51 pm
Forum: Investing - Theory, News & General
Topic: Anybody regretting holding on to your REITS?
Replies: 97
Views: 17363

Re: Anybody regretting holding on to your REITS?

REITs are essentially stocks. They comprise about 3% of the Total Stock Market Index Fund. Investing in them separately is no different from investing in any other sector separately - health, tech, consumer goods, etc. I choose not to overweigh in any sector, hence no REITs. It's bad enough most peo...
by soboggled
Fri Nov 11, 2016 2:59 pm
Forum: Investing - Theory, News & General
Topic: "Stealth Wealth: I’m Just an Ordinary Average Guy"
Replies: 445
Views: 110857

Re: "Stealth Wealth: I’m Just an Ordinary Average Guy"

The real mistake is judging people based on their wealth, not misjudging their wealth.
Those who are smug because they are richer than others think may be indulging in a sort of reverse snobbery that mirrors the snobbery of their judges.
by soboggled
Fri Nov 11, 2016 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: John Hancock discontinues LTC insurance sales
Replies: 45
Views: 10504

Re: John Hancock discontinues LTC insurance sales

I was always under the impression 10-20 years ago that Long Term Care Ins. was the prudent thing to do. Employers offered it at group rates to encourage people to get it, Suze Orman and lots of advice columnists said you should get it, etc. Now that huge numbers of people have done this and are bas...
by soboggled
Fri Nov 11, 2016 1:12 pm
Forum: Personal Consumer Issues
Topic: Drain Cleaner or Plumber for slow drains?
Replies: 52
Views: 11988

Re: Drain Cleaner or Plumber for slow drains?

http://www.consumerreports.org/cro/news/2007/04/q-a-do-nonchemical-drain-cleaners-work/index.htm The link is old but recommends mechanical products, is skeptical of chemicals. That link is skeptical of so-called "green chemicals", so the lye products discussed by me are not these "green chemicals."...
by soboggled
Fri Nov 11, 2016 1:06 pm
Forum: Personal Consumer Issues
Topic: Drain Cleaner or Plumber for slow drains?
Replies: 52
Views: 11988

Re: Drain Cleaner or Plumber for slow drains?

http://www.consumerreports.org/cro/news ... /index.htm
The link is old but recommends mechanical products, is skeptical of chemicals.
by soboggled
Fri Nov 11, 2016 12:52 pm
Forum: Personal Consumer Issues
Topic: Drain Cleaner or Plumber for slow drains?
Replies: 52
Views: 11988

Re: Drain Cleaner or Plumber for slow drains?

I prefer the chemical route. I pour some gel type draino down the drain and let it sit for 15 minutes before pouring a pot of boiling water after it. Works well unless it is a hair clog and then you have to go the manual route. I've not seen any problems that using chemicals has hurt plastic piping...
by soboggled
Fri Nov 11, 2016 12:32 pm
Forum: Personal Consumer Issues
Topic: Drain Cleaner or Plumber for slow drains?
Replies: 52
Views: 11988

Re: Drain Cleaner or Plumber for slow drains?

Or a couple of those cheap plastic drain cleaner tools.
https://www.walmart.com/ip/Zip-It-00412 ... l/21799377
by soboggled
Fri Nov 11, 2016 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: 50% Increase in my Long Term Care Policy
Replies: 23
Views: 6191

Re: 50% Increase in my Long Term Care Policy

See https://www.bogleheads.org/forum/viewtopic.php?f=2&t=202987&newpost=3111912 for another thread today on Long Term Care, which includes a link to a Boston Globe story: https://www.bostonglobe.com/business/2016/11/10/john-hancock-stops-selling-new-long-term-care-insurance/h2bkR8Tm2O7MiZDKTCsYLM/s...
by soboggled
Fri Nov 11, 2016 11:44 am
Forum: Personal Consumer Issues
Topic: What kind of apartment can $1k get you in your city?
Replies: 80
Views: 11757

Re: What kind of apartment can $1k get you in your city?

RoadHouseFan wrote:Lots of nice apartments for that price. They're close to Cracker Barrel and Chick-fil-A too.
I'd pass, pitch a tent somewhere.
by soboggled
Fri Nov 11, 2016 11:44 am
Forum: Personal Consumer Issues
Topic: What kind of apartment can $1k get you in your city?
Replies: 80
Views: 11757

Re: What kind of apartment can $1k get you in your city?

Here, a studio in an older building.
In a sketchy neighborhood in DC, ditto. Otherwise, you can share a studio or small 1 BR or live in a group home.
In SF, share a studio.
In my old hometown, you can rent a run-down 3 BR duplex or a decent two BR apartment.
by soboggled
Fri Nov 11, 2016 9:44 am
Forum: Personal Investments
Topic: Asset Allocation question re: Bonds
Replies: 9
Views: 1407

Re: Asset Allocation question re: Bonds

I wish I had your nerve, to be 75% stock. I am younger with a great pension coming, but I have been more comfortable at 60/40. Of course, in hindsight, that's been a huge mistake. Anyway, my thought is if you're going to reduce stocks, I'd begin now, but you can do say 2% a month instead of say 10%...
by soboggled
Fri Nov 11, 2016 12:03 am
Forum: Personal Finance (Not Investing)
Topic: John Hancock discontinues LTC insurance sales
Replies: 45
Views: 10504

Re: John Hancock discontinues LTC insurance sales

The market is dysfunctional when there is very limited or no competition. How so? Maybe if there were fewer or even just one seller, the policies would have been priced more realistically from the start rather than being underpriced to attract buyers. One could even argue this should be something l...
by soboggled
Thu Nov 10, 2016 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: 50% Increase in my Long Term Care Policy
Replies: 23
Views: 6191

Re: 50% Increase in my Long Term Care Policy

See https://www.bogleheads.org/forum/viewtopic.php?f=2&t=202987&newpost=3111912 for another thread today on Long Term Care, which includes a link to a Boston Globe story: https://www.bostonglobe.com/business/2016/11/10/john-hancock-stops-selling-new-long-term-care-insurance/h2bkR8Tm2O7MiZDKTCsYLM/s...
by soboggled
Thu Nov 10, 2016 11:19 pm
Forum: Investing - Theory, News & General
Topic: Shark Tank's Kevin O'Leary creates ETF
Replies: 45
Views: 11388

Re: Kevin O'Leary Fund

The ER may only be .48% but Mr. Wonderful also gets a $.25 cut of every $1 dividend you get in perpetuity. (Inside joke.)
by soboggled
Thu Nov 10, 2016 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: 50% Increase in my Long Term Care Policy
Replies: 23
Views: 6191

Re: 50% Increase in my Long Term Care Policy

I am in shock. Just got my Long Term Care Insurance premium change notice. I have had LTC policy with Genworth since January 2007. My premium is increasing from $2,772.00 to $4160.77----a 50% INCREASE. The notice also cautions that they may increase again in the future. I am not sure what we are go...
by soboggled
Thu Nov 10, 2016 10:39 pm
Forum: Investing - Theory, News & General
Topic: "Stealth Wealth: I’m Just an Ordinary Average Guy"
Replies: 445
Views: 110857

Re: "Stealth Wealth: I’m Just an Ordinary Average Guy"

Why bother - and why bother with them? The older I get, the more I realize I don't want to get along with everybody and certainly don't have to impress them. For starters - philistines, snobs and racists. That eliminates a lot of people, but it makes life much easier. This is it for me as well - no...
by soboggled
Thu Nov 10, 2016 10:25 pm
Forum: Investing - Theory, News & General
Topic: "Stealth Wealth: I’m Just an Ordinary Average Guy"
Replies: 445
Views: 110857

Re: "Stealth Wealth: I’m Just an Ordinary Average Guy"

My favorite part of stealth wealth is blending in and having people ask what we do for a living. We'll reply with our STEM titles and see their jaw drop open. I guess that means the cloaking is working. STEM titles? I am very impressed. Let me guess - one of these: http://www.stemjobs.com/9-stem-jo...
by soboggled
Thu Nov 10, 2016 10:15 pm
Forum: Investing - Theory, News & General
Topic: Barbell strategies?
Replies: 14
Views: 3960

Re: Barbell strategies?

My approach is to forget about percent allocations and rebalancing. I just keep as much money as I figure I will need for survival in ultrasafe investments that should keep up with inflation (in my case, CDs), and gamble in stocks with whatever is excess. . The likes of TIPS/Index Linked Gilts have...
by soboggled
Thu Nov 10, 2016 10:06 pm
Forum: Investing - Theory, News & General
Topic: "Stealth Wealth: I’m Just an Ordinary Average Guy"
Replies: 445
Views: 110857

Re: "Stealth Wealth: I’m Just an Ordinary Average Guy"

My favorite part of stealth wealth is blending in and having people ask what we do for a living. We'll reply with our STEM titles and see their jaw drop open. I guess that means the cloaking is working. STEM titles? I am very impressed. Let me guess - one of these: http://www.stemjobs.com/9-stem-jo...
by soboggled
Thu Nov 10, 2016 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Researching non-ACA health insurance in NJ
Replies: 14
Views: 1970

Re: Researching non-ACA health insurance in NJ

Good luck to him, he will soon be on his own unless the state steps up to the plate somehow.
OTH, no politician is going to let 20M people lose their health insurance overnight.
by soboggled
Thu Nov 10, 2016 4:30 pm
Forum: Investing - Theory, News & General
Topic: "Stealth Wealth: I’m Just an Ordinary Average Guy"
Replies: 445
Views: 110857

Re: "Stealth Wealth: I’m Just an Ordinary Average Guy"

So the joker who wrote this article pretends that people don't know he has money? Pardon me, if you have enough to get through medical school and have been practicing as a private practice physician in this country any length of time, I know darn well you have money, no matter what kind of car you d...
by soboggled
Thu Nov 10, 2016 11:40 am
Forum: Investing - Theory, News & General
Topic: Barbell strategies?
Replies: 14
Views: 3960

Barbell strategies?

I assume BH AA implementations are based on taking a middle-of-the-road approach to investing, e.g., some mix of total stock and total bond markets. This is in contrast to barbell strategies such as those espoused by Taleb and others that supposedly place greater emphasis on avoiding black swan even...
by soboggled
Thu Nov 10, 2016 10:58 am
Forum: Personal Consumer Issues
Topic: Insurance company watching your mileage?
Replies: 28
Views: 7360

Re: Insurance company watching your mileage?

Interesting discussion. I don't doubt an insurance company can obtain mileage info from inspection and registration records. Somewhere in the fine print they have probably told us this. Perhaps the same holds for Onstar users. I'd be truly creeped out if insurance companies were getting mileage inf...
by soboggled
Thu Nov 10, 2016 10:45 am
Forum: Personal Consumer Issues
Topic: Insurance company watching your mileage?
Replies: 28
Views: 7360

Re: Insurance company watching your mileage?

Since when should a private insurance company have unnecessary access to your personal data provided by a government agency supported by your tax dollars? I get it that some checks may be useful, but mileage data from inspections? The fact that no one on this thread sees anything wrong with this is ...
by soboggled
Wed Nov 09, 2016 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Risk of not paying sales tax?
Replies: 36
Views: 8633

Re: Risk of not paying sales tax?

Oh, Jeeez, almighty. I give up. Epsilon Delta, didn't it occur to you in plodding thru all the tedious text in the link to your BOE - that the Land of Fruit & Nuts has again distinguished itself - duh It all comes down to semantics. In the case of the Calif BOE people - when they say the seller (me...
by soboggled
Tue Nov 08, 2016 1:25 pm
Forum: Personal Consumer Issues
Topic: Got a very wide range of plumbing contractor bids. Is this normal?
Replies: 19
Views: 2852

Re: Got a very wide range of plumbing contractor bids. Is this normal?

Often when they send a salesman to do an estimate rather than the person who is going to do the work, you are going to pay his commission and the cost of the fancy brochures. The smaller the job the more that overhead costs proportionally.
by soboggled
Tue Nov 08, 2016 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare, Ugh
Replies: 34
Views: 4215

Re: Medicare, Ugh

Ugh? Those of us who are working age are losing $$ out of every paycheck to pay for your coverage, when we may not have health care coverage ourselves. Yes, note the problems and share solutions... but please start with some gratitude that you even have access to any health coverage, unlike those o...
by soboggled
Tue Nov 08, 2016 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare, Ugh
Replies: 34
Views: 4215

Re: Medicare, Ugh

Ugh? Those of us who are working age are losing $$ out of every paycheck to pay for your coverage, when we may not have health care coverage ourselves. Yes, note the problems and share solutions... but please start with some gratitude that you even have access to any health coverage, unlike those o...