Search found 15 matches

by ceperry
Wed Aug 07, 2019 9:18 pm
Forum: Investing - Theory, News & General
Topic: First 20% of bonds in long-term Treasuries
Replies: 290
Views: 20476

Re: First 20% of bonds in long-term Treasuries

vineviz, your rule of thumb is interesting, but you didn’t support your claim with much evidence. (You may have discussed this topic in depth in other threads, but I must admit I don’t read every thread.) Can you discuss the reasons for your claim, or point readers to other sources that support your...
by ceperry
Sun Aug 04, 2019 11:01 am
Forum: Investing - Theory, News & General
Topic: Factors, tilting, and efficient markets
Replies: 55
Views: 3567

Re: Factors, tilting, and efficient markets

Although, I’m a fairly experienced Boglehead, I have to admit that I’m not very knowledgeable about “factors” and the theoretical basis for tilting towards small cap, value, etc. Why are you asking about factors? Are you thinking of changing your investment plan to one that includes factors? This i...
by ceperry
Sun Aug 04, 2019 9:44 am
Forum: Investing - Theory, News & General
Topic: Factors, tilting, and efficient markets
Replies: 55
Views: 3567

Re: Factors, tilting, and efficient markets

Thanks everyone for your thoughtful replies. In continuing my own research, I found a Vanguard white paper on factors that I thought I would share. The white paper is titled, “Factor-based investing” (dated, April 2015), and is available here: https://personal.vanguard.com/pdf/ISGFBI_042015_Online.p...
by ceperry
Sat Aug 03, 2019 8:39 pm
Forum: Investing - Theory, News & General
Topic: Factors, tilting, and efficient markets
Replies: 55
Views: 3567

Factors, tilting, and efficient markets

Although, I’m a fairly experienced Boglehead, I have to admit that I’m not very knowledgeable about “factors” and the theoretical basis for tilting towards small cap, value, etc. My biggest confusion about factors is their implications for the efficient market hypothesis (EMH). If you accept that fa...
by ceperry
Fri Jul 26, 2019 9:50 am
Forum: Personal Consumer Issues
Topic: Prepaid eSIM for Europe travel
Replies: 19
Views: 1778

Re: Prepaid eSIM for Europe travel

For what it’s worth, I have used GigSky eSIM/service in both Mexico and Germany with my U.S.-based iPhone, and I was happy with the coverage and speed.
by ceperry
Tue May 14, 2019 10:01 pm
Forum: Personal Consumer Issues
Topic: Is there a mp3DirectCut but for .m4a audio files?
Replies: 10
Views: 1062

Re: Is there a mp3DirectCut but for .m4a audio files?

QuickTime Player will do that, and it comes included as part of macOS. https://support.apple.com/en-us/HT201066#edit
by ceperry
Sat Apr 06, 2019 11:12 am
Forum: Personal Consumer Issues
Topic: eSIM experience in Europe/Hungary?
Replies: 7
Views: 637

Re: eSIM experience in Europe/Hungary?

I know you said that you sorted out your issue, but for others’ benefit, the esimdb website might prove useful. It compares eSIM providers for different countries. Hungary, for example, lists several providers: https://esimdb.com/hungary
by ceperry
Sun Mar 03, 2019 8:44 pm
Forum: Personal Consumer Issues
Topic: Men & Women: What do you pack for travel inside 1 carry-on luggage only??
Replies: 169
Views: 12195

Re: What do you pack for international vacation travel??

I'm on a "trial run" 3 week trip to Hawaii with a new "world traveler setup" that includes: (counting what I have on) 3 pants : zion, prana, clothing arts. 3 long sleeve shirts: Columbia laptop: MacBook Air Camera: Olympus OMD1Mkii w pro zoom. 1 pair sneakers, 1 pair Hawaii slippers I don’t want to...
by ceperry
Thu Jan 10, 2019 11:18 pm
Forum: Investing - Theory, News & General
Topic: Retirement calculator with alternate withdrawal methods?
Replies: 3
Views: 528

Retirement calculator with alternate withdrawal methods?

I’m reading Wade Pfau’s book “How Much Can I Spend in Retirement?: A Guide to Investment-Based Retirement Income Strategies” and in it he discusses a variable withdrawal method that I had never encountered before. He calls it an “endowment formula” that bases 50% of it’s withdrawal on a canstant bas...
by ceperry
Sun Sep 23, 2018 12:17 am
Forum: Investing - Theory, News & General
Topic: For those who use a 2 year cash(like) buffer, how do you know when to use it?
Replies: 67
Views: 5934

Re: For those who use a 2 year cash(like) buffer, how do you know when to use it?

I think I am missing something fundamental here, and I’m hoping someone can point it out to me. What I don’t understand is how keeping two (or more) years of expenses in cash is better than keeping all your money in the market and just withdrawing in such a way that your portfolio remains in (or at ...
by ceperry
Mon Sep 10, 2018 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: Small business credit card recommendations
Replies: 17
Views: 1390

Re: Small business credit card recommendations

drk wrote:
Mon Sep 10, 2018 12:12 am
Chase updated its business site to match its personal site, and this is no longer an issue.
When was this update made? Because the problem still existed as of late July 2018 when I finally switched all my business credit cards out of frustration.
by ceperry
Sun Sep 09, 2018 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: Small business credit card recommendations
Replies: 17
Views: 1390

Re: Small business credit card recommendations

The Chase Ink credit cards are generally regarded as having the best rewards, and I used Chase Ink cards for seven years with my small business, however I still recommend AGAINST them. Chase has a flaw in their web portal that makes individual charges disappear for a few days, even tbough the charge...
by ceperry
Sun Jul 01, 2018 12:03 am
Forum: Personal Consumer Issues
Topic: Online backup service for a few TB's of data and a 2nd computer with a small amount of data
Replies: 50
Views: 2849

Re: Online backup service for a few TB's of data and a 2nd computer with a small amount of data

I, too, am a CrashPlan refugee. I’m self-employed and work from home, so backups are a big concern for me. I make a point of having multiple redundant backups, both in my home and off-site. Unfortunately, I was using CrashPlan for both in-home and off-site backups, so the discontinuation their consu...
by ceperry
Thu Jun 21, 2018 10:11 pm
Forum: Personal Consumer Issues
Topic: 4K Computer Monitors: 27 vs 32 inches?
Replies: 29
Views: 9132

Re: 4K Computer Monitors: 27 vs 32 inches?

Your thoughts as described in your post are essentially correct. The 27-inch display will have a smaller image in inches, but will have more screen real estate in pixels. The one thing I’d throw in is that 32-inches may be “too big” for a 4K display. This article is an excellent guide to resolution,...
by ceperry
Thu Jun 21, 2018 9:42 pm
Forum: Investing - Theory, News & General
Topic: Understanding AA in Vanguard Target Date Funds
Replies: 6
Views: 704

Re: Understanding AA in Vanguard Target Date Funds

It’s not clear to me what you’re asking for. Are you asking for a mathematical description of the glide path (a set of equations that can be used to reproduce the glide path), or are you looking for the philosophical reasons for for the choices they made? If you’re looking for the philosophy, I thin...